God forbid the van kills someone in a traffic accident unrelated to the
bucket all together.  The Insurance Company could and probably would deny
the claim due to a falsified application.  If an insurance company can find
a way out of a claim (especially a costly one) they will.

Best,


Brad




-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On
Behalf Of Tim Wolfe
Sent: Wednesday, November 15, 2006 7:14 PM
To: WISPA General List
Subject: Re: [WISPA] Insurance for use of bucket truck or lift for installs.

Tom DeReggi wrote:
> If its a standard VAN / Truck body, Don't tell them about the bucket!
> Call it a VAN, not a Bucket truck!
>
> Tom DeReggi
> RapidDSL & Wireless, Inc
> IntAirNet- Fixed Wireless Broadband
>
>
As an insurance agent for the last 16 years in the state of PA(Besides 
running a WISP too for the last 5 years), I can tell You that there are 
some negatives to just "Not mentioning" the fact that it has a bucket on 
it. The first one is that when You sign the insurance application(This 
info. only applies to the state of PA where I am licensed, keep in mind 
the every state has different insurance laws, but almost ALL of them 
adopted the laws from the state of NY, as they were one of the first to 
actually clamp down and adopt them, and this is what PA uses), there is 
a paragraph that says all of the information You have submitted to the 
insurance CO is correct and You then sign underneath it. It is a great 
possibility that by "omitting" the fact that Your van had a bucket on 
it, the CO could deny Your claim based on the fact that You chose to 
omit the information about the bucket on purpose, as You knew this would 
stop You from securing coverage?. While I do understand that securing 
the proper insurance is becoming expensive, maybe even out of hand?, I 
do not want to see You or any other small CO lose everything buy trying 
to cut corners and get around something by being dishonest?. Almost all 
insurance have something called "Good faith" agreements in them. This 
Good Faith agreement is based on upon the fact that both You and the 
insurance CO have been up front and honest with each other about what 
coverages You are receiving from the CO and what type of risk the CO is 
actually insuring. They fulfill their half by giving You a policy that 
specificly states what they will and will not pay for, and You fulfill 
Your responsibility by filling out the application with all of Your 
information so that the insurance CO can decide what to charge You based 
upon the information You provided them. If You lie, or as the politicly 
correct term used is "Omit" some vital information that would stop the 
CO from issuing insurance, then the contract is broken by You right up 
front, and this fact alone could cause You some grave financial harm if 
You employee tears down some fiber and/or phone lines. Just some food 
for thought.
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