On Monday, Nov 25, 2002, at 05:50 US/Alaska, K wrote:
> EXCUSE ME??? THEFT??? The damage occurred during the prevention of
> greater
> damage to my home...A police report was filed and the adjuster ( a
> Nationwide
> employee rather than an independent adjustment firm, BTW) had
> absolutely NO
> problem with the claim.. They could very easily have rejected the
> claim but my
> actions prevented a much more expensive claim...
This is not theft and is very offensive to call it that, but it seems
some lads have special privileges in the sand box.
FWIW First for getting up to see what the problem was you were being a
good citizen and second intelligent to make sure your insurance policy
included coverage for expensive computer equipment
The policy has clear limits, if you were anywhere near not meeting
the limits of the policy you can be sure your your claim would have
been denied. It does not matter what a bunch of coffee drinking buddies
sitting down on a job think, or posters on a list for that matter, it
is the insurance companies decision based on a legal document between
you and the insurance company. In fact some insurance companies
specialize in computer theft and accidents a niche market but fills the
need.
Your situation was clearly an accident and that is exactly what
insurance covers, accidents. This is not finding a loophole. You paid
premiums for just this possibility, probably higher ones as the
coverage was good. Now unfortunately it is time to collect fairly what
is covered. Unfortunately you will not replace what you had, you will
only get partial replacement. Filing a legitimate claim does not drive
up rates, it is factored in as part of doing business, a tax write off
for the Insurance company. There is no controversy here. No scam, no
fraud, no immoral actions, just a legal contract and a honest good
citizen.
Some of the more ridiculous points about throwing the computer at the
perpetrators head, well first that would probably would not be covered
by your insurance and unless you were in grievous fear of your life
then the person throwing the computer could be arrested for assault,
yes dumb I agree. Grabbing a 9 mm to investigate a problem outside,
well you better read up on your gun laws. Only in the instance of you
again fearing for your life, with no other avenue of escape can you
point the gun, let alone use deadly force with a gun. I do support the
right to bear arms, but you better know when and how you can use a
weapon. I listened to a lawyer in class for 3 days explain when you
could and could not use deadly force, which does not make me an expert,
but clearly use of force with a firearm it is very limited and
litigious.
Insuring a expensive computer is a wise choice or at least one that
should be brought up, too bad anyone with a view not agreed on the
list, by a few, get such harsh treatment, throwing slurring innuendoes
because they disagree. That's not being a team player and again just
makes people not want to support this community because they may be
flamed for a question. But then we just have to look where it comes
from. Healthy disagreement is good but people should not be insulted,
we have enough of that in this world.
Mike you did a brave thing and I am glad you got some compensation for
the damages caused by the accident, the thieves were caught and nobody
was hurt, and if no one else will apologize to you for your treatment
here I will and do. It is just wrong to insult people for asking a
question or doing a good thing.
Geoff
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