Top_Bhoy wrote: so what value insurance to the customer other than for the LBS to pay legal costs to come up with a myriad of excuses to avoid culpability?
They can be brutal. The thing people often don't understand is that when an insurance company pays out a customers income protection, dental, Medicare gap, lifetime disability, it doesn't just end there. Insurance company recovery department exist to try and get that payout out of anyone else they can blame. If claiment blames a mechanical failure and mentions a professional servicing in recent history then that's where they are instantly going to counter claim.
But besides the mechanics view, it is leaving customers exposed to no compo when a supposedly professional mechanic does screw up and causes injury, the injured has no insurance or insurance denied, wins court against mechanic but then mechanic declares bankruptcy and can't payout the compo.
If a customer knows they are using a "backyard" mechanic with no cover then fair enough the customer knew what they were buying.
But if a customer thinks they are getting professional service with all the professional indemnity which comes with that then they are being ripped off if the mechanic isn't insured.