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Joined: Dec 2002
Posts: 1,506
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Dec 2002
Posts: 1,506 |
OK, car nut legal gurus. A policy is supposed to be a contract. The parties can define terms as part of their agreement. The "federal government" does not define generally terms of private contracts, and exactly who is this "federal government" that some say does define such terms: Congress? The President? The 5th Circuit Court of Appeals? The Department of the Interior? Your local postmaster? Meanwhile, lawsuits/disputes over coverage denials and exceptions are quite common, there has to literally be a new one filed every day in every county nation wide.
About adjusters giving peanuts to settle claims of civilians that don't know what they're doing: This is pretty common too. Meanwhile, it is typically forbidden for attorneys to unsolicitedly contact people known to be in need of legal services in person or by phone, yet adjusters are given free rein to contact such people and take advantage of them while they're not fully aware of their rights and recourse.
Meanwhile, the slogans of "Like a good neighbor", "You're in good hands..." and "Puts you back were you belong" sure sound good, don't they?
And about people being dummies for not knowing what's in their own insurance contract, I'll bet a BUNCH of you on this board understand you have "full coverage" on your car policy. So explain everything that means and includes. Does your UMPD clause cover diminished value? Can you even tell by reading your policy? If you are a pedestrian hit in a crosswalk by another driver, is your PIP coverage primary or secondary? Or did you get medpay instead of PIP? Or neither? So if your coverage pays $17K to fix your car, and you have a $12K DV claim, and the other driver at fault has only $10K PD liability coverage, can your company get $10K of its $17K out of the other driver's $10K, leaving you with zero on your $12K DV claim? If you live in Illinois, have a crash with an unisured driver while you're a passenger in a rental car driven by your sister from California while at a family reunion in Florida, what does your policy pay and what claim deadlines apply? A few of the legal gurus on this board EXPECT you to know these things, as it's your policy, so OF COURSE you know what you got.
Right?
Maybe the attorney general of Mississippi should ask this board what to do, from the experts we have.
MSDS, SHO-shop Y, custom 2.5" catback; xcal2; 63mm TB, K&N 3530; Koni struts, Aussie bar; THaines forks, Quaife, SpecII, UR fly; DMD; Nima UD pullies; Stazi brakes; f&r Pole120 mounts. Just a daily commuter car. Silver '98 SVT E0 #3159
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Joined: Feb 2004
Posts: 7,392
Addicted CEG\'er
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Addicted CEG\'er
Joined: Feb 2004
Posts: 7,392 |
Originally posted by PDXSVT:
And about people being dummies for not knowing what's in their own insurance contract, I'll bet a BUNCH of you on this board understand you have "full coverage" on your car policy....
Maybe the attorney general of Mississippi should ask this board what to do, from the experts we have.
maybe you should dismount your high horse. 
what happened to personal responsibility? guess what people? these are FOR PROFIT companies. they are only obligated to live up to the agreement which YOU are agreeing to! 
it's sad if these people aren't covered, but it isn't the ins. companies job to go bankrupt out of good will for people who either didn't buy the correct coverage, or didn't buy supplemental coverage. the onus is on the CONSUMER to make sure their asses are covered.
02 Mustang GT... Tuned by Nelsons. Low 12's, anyone? 
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Joined: Feb 2003
Posts: 4,220
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Feb 2003
Posts: 4,220 |
Quote:
OK, car nut legal gurus. A policy is supposed to be a contract. The parties can define terms as part of their agreement. The "federal government" does not define generally terms of private contracts, and exactly who is this "federal government" that some say does define such terms: Congress? The President? The 5th Circuit Court of Appeals? The Department of the Interior? Your local postmaster? Meanwhile, lawsuits/disputes over coverage denials and exceptions are quite common, there has to literally be a new one filed every day in every county nation wide.
Um, Flood insurance is underwritten by the federal government through FEMA and the National Flood Insurance Program. There is no private contract in flood insurance. The federal government covers what it covers, private insurers cover everything right up to that line.
Quote:
And about people being dummies for not knowing what's in their own insurance contract, I'll bet a BUNCH of you on this board understand you have "full coverage" on your car policy. So explain everything that means and includes. Does your UMPD clause cover diminished value? Can you even tell by reading your policy? If you are a pedestrian hit in a crosswalk by another driver, is your PIP coverage primary or secondary? Or did you get medpay instead of PIP? Or neither? So if your coverage pays $17K to fix your car, and you have a $12K DV claim, and the other driver at fault has only $10K PD liability coverage, can your company get $10K of its $17K out of the other driver's $10K, leaving you with zero on your $12K DV claim? If you live in Illinois, have a crash with an unisured driver while you're a passenger in a rental car driven by your sister from California while at a family reunion in Florida, what does your policy pay and what claim deadlines apply? A few of the legal gurus on this board EXPECT you to know these things, as it's your policy, so OF COURSE you know what you got
There's a difference between knowing the intricate details of one's coverage, the payouts, etc, and simply knowing if you hit that pedestrian if your insurance covers that or not.
Quote:
Maybe the attorney general of Mississippi should ask this board what to do, from the experts we have.
The AG of Mississipii can do whatever he/she wants. I haven't a problem with that at all. That doesn't excuse personal responsibility. Perhaps the language in the contracts is overly ambiguous, the petition isn't clear on what exactly the language is, that doesn't excuse the fact that anyone with an IQ over 100 that's buying a home should know that Flood Insurance is seperate from Hurricane/Homeowner's Insurance. When they revise it they can put "HEY DUMBASS, GO BUY FLOOD INSURANCE" in the policy and make sure it has to be initialed as being acknowledged.
I know you make a living off the bet that someone out there will always lack personal responsibility, PDXSVT, but that's doesn't excuse it.
2003 Mazda6s 3.0L MTX
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2004 Mazda3s 2.3L ATX
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