In a way, I can see their point - if a government agency/authority trashes your stuff, they should compensate you for it.
Wow!
I guess this means that this event is so likely to happen and the destruction is so great that State Farm knows they'll lose money be covering those losses.
Scary!
Anyone who knows, I'd really like to hear from...
Intentional torts are not covered by any insurance that I know about. Surely NAMBLA does not have insurance through State Farm to cover such things....?!
I wonder what claim inspired this exclusion?
Just guessing, but don't the city, county, state and feds reimburse people for this kind of thing? In other words, why should insurance companies pay when homeowners can easily, and almost always successfully, appeal directly to the parties responsible for reimbursment? Again, just asking. I don't know it's true. I just get that distinct impression watching Dirty Harry. :-)
I wonder if the State Farm has the right to modify/change the contract while it is in force. If a contract is agreed to in the beginning, neither side can not change it until the termination date or cancellation.
Yo insurance man, what's your take on this?
The want you to sue the idiots that done it, as opposed to paying you for it.
Asset forfeiture: we love it!
A few years ago, after 9/11, I was suprised to read the fine print on my homeowners, health and life insurance policies to find that they all excluded coverage if a claim was made because of "an act of war, declared or undeclared."
I called the insurance companies and found that the "undeclared war" translated into a terrorist act.
So if my home, or myself were injured during a terrorist act, my insurance would not cover the damages or claims. Or if I died during a terrorist act, my life insurance would not pay.
I called the Commissioner of Insurance for our state and found that after 9/11 this pretty much became standard policy with insurance companies.
Seems as though they're not such good neighbors after all. :P
Another back-door way of putting non-PC entities out of business?
Liberty Mutual Insurance,
You will find that Liberty Mutual will always be the most reasonable insurance company. There is a reason for that, try to make a claim against them.
Our experience with them was we had a house fire, and we paid extra for full replacement cost of our contents. The clothes dryer caught fire.
Well all our clothing was ruined by smoke damage. When we complained that the clothing still had a smoke smell from the fire after they dry cleaned them. They sent all my suits to the cleaners and had them wash in a washing machine along with three of my leather coats to remove the smoke smell. After that they told me that they didn’t have smoke smell any more go ahead and wear them, of course these suits and leather coats were completely ruined. Then they laugh at us.
They did the same to my wife’s clothing and two daughters. We had a computer that was sprayed by the fire department, they told me that it would be OK they would be kind enough to have it cleaned up. It was complete ruined. Of course the computer was on and it shorted out. Remember when a top of the line 486 computer cost $4000.00. The computer was only 6 months old at the time.
After this, Liberty Mutual sued the dryer company and collect there monies from them. I was even stupid enough to help them carry the dryer out of the basement.
If I told you all the hoops they made us jump through, you would run from that company. All the lies they told us.
Finally they said they wanted to get us off there books 5 years later. So we set up an appointment with their attorney, no one from Liberty Mutual came. Mr. Tim Mann, who was the representative of Liberty Mutual all this time, was on the speaker phone, he did not have the guts to face my family.
Well we finally agreed to a pittance of a settlement. We signed the papers in front the attorney. Mr. Mann promise a check would be in the mail the next day, it was another two years before we received that check.
Please go ahead and use this company, if you are looking a cheap price.
We found that the insurance laws of the State Of Michigan are all wrote by the insurance companies. Would you believe that the State of Michigan is happy about this? You have no recourse when you turn in a claim against any insurance company. You are at there mercy.
If you have had an experience like mine, please e-mail me. (roadmaster6168@aol.com)
Dan Bryant