Liability cover can only apply where there is actual liability. This heartbreaking case shows how it can be limited. A loophole in Australian law meant there was no insurance payout for this family after their son suffered horrific injuries and permanent disabilities. 'The driver had suffered a heart attack behind the wheel, meaning the accident was not as a result of his negligence and therefore, under the law at the time, his insurer was not liable to pay compensation to Layton Smith and his family – despite the fact they were utterly blameless themselves.' Click here to read more.
By Russell Hutchinson – www.chatswood.co.nz