Yes, it would have been helpful for the OP in the second thread to post the outcome, but imho the fact that he got in hot water because of it is more the point than whether he got away with it in the end.

It's clear that spork thinks using some random corp code with LDW absolves him of all responsibility for damage. I guess we both agree that it may or may not, but it is not without risk. Spork will need to make his own determination as to whether the risks are worth it based on how much he is saving. A better approach is probably to get a CC that offers LDW coverage for free, but that's just my opinion.