In response to our article on liability insurance for engine
clubs, we have received a letter from Kermit A. Doucet, 725 S.
Washington St., P.O. Drawer 4303, Lafayette, Louisiana 70502. Mr.
Doucet is an attorney specializing in personal injury cases, which
are commonly referred to as ‘insurance cases.’ He was
employed by various insurance companies for eight years and has
been a practicing attorney for almost ten years. He is also a
member of several antique automobile clubs, and therefore, has a
personal sympathy for the insurance problems that our readers
Mr. Doucet advised the Bayou Old Tyme Engine and Power
Association on this problem a few years ago, and his advice would
hold true for other clubs as well. He first suggested that the club
incorporate, ‘so that no individual would have an exposure for
someone else’s negligence under the joint venture theory’.
Secondly, he informed the club members that they should each have a
homeowner’s or renter’s insurance policy with a liability
provision, which would cover them for any negligence causing any
accident, injury or damages. This, he said, is probably the
cheapest liability insurance you can buy.
Mr. Doucet said that ‘the Antique Automobile Club of America
has a $1,000,000.00 insurance policy covering all AACA sanctioned
functions. The requirements of AACE also mandate that any member of
a local club be a member of the National Organization also. That
pro vides the appropriate coverage.’
We appreciate Attorney Doucet’s information and invite
others who have wrestled with the insurance question to share their
knowledge and experience with our readers.