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Started By
Message
re: Should insurance companies keep paying
Posted on 9/28/22 at 7:16 pm to armsdealer
Posted on 9/28/22 at 7:16 pm to armsdealer
quote:
My boat insurance would pay to hire a driver to move it out of harms way.
What happens if the driver paid by the insurance co. runs into someone and severely hurts them and/or kills them?
0
Posted on 9/28/22 at 7:16 pm to tonydtigr
quote:
Been there. They still owe me a bunch of money that they screwed me out if.
How so
Posted on 9/28/22 at 7:18 pm to 9rocket
quote:
That’s cute.
I guess casinos are also in the gambling business.
No offense.
None taken. Found the agent, ya'll. It was only a matter of time.
Posted on 9/28/22 at 7:21 pm to AllDayEveryDay
When you say fema, do you mean taxpayers?
Posted on 9/28/22 at 7:21 pm to AllDayEveryDay
quote:
Homeownership should require it to some degree
No it shouldn’t. Some of us don’t live at sea level and are in danger of flooding. Maybe you should elevate your house if you live in an area prone to flooding.
Posted on 9/28/22 at 7:22 pm to Spoonbilla
They paid their premiums so why not… that’s what they signed up for. frick insurance companies
Posted on 9/28/22 at 7:23 pm to Spoonbilla
Oh, those poor, poor insurance firms that voluntarily offered boat coverage
Which I’m sure isn’t cheap
Which I’m sure isn’t cheap
This post was edited on 9/28/22 at 7:23 pm
Posted on 9/28/22 at 7:27 pm to tonydtigr
quote:
Insurance companies are in the gambling business. Sometimes, even though the odds are in their favor, the house does lose. If they take the bet and lose, it’s on them.
While this is true, from my personal experience, when they lose you have to sue them to get what you’re owed. Making them bigger scumbags. This rant is based on Katrina and going 4 years without getting a dollar.
Posted on 9/28/22 at 7:39 pm to tonydtigr
quote:
Insurance companies are in the gambling business
No, no they are not. Gambling Is a speculative risk.. Insurance is based of of existing pure risk formulations.. while technically they're both in the business of risk they are vastly different in comparison..
This post was edited on 9/28/22 at 7:40 pm
Posted on 9/28/22 at 7:41 pm to Spoonbilla
What about the McLaren P1?
Posted on 9/28/22 at 7:44 pm to mattz1122
quote:
Oh, those poor, poor insurance firms that voluntarily offered boat coverage Which I’m sure isn’t cheap
In comparison to many lines of insurance, as a percentage rate on value insured, hull insurance and mega yacht insurance is incredibly cheap considering the wide scope of coverage provided.
And contrary to what some here may think it’s one of the few sides of the industry that isn’t as sleezy when it comes to forking out funds for claims.
Posted on 9/28/22 at 7:47 pm to Spoonbilla
Yes. Have a buddy that went down there to try and get his yacht out and is stuck in a hotel with no electricity and bottom floor flooded.
For every claim an insurance company pays out, there are thousands of accounts that never make a claim. That’s the whole point.
For every claim an insurance company pays out, there are thousands of accounts that never make a claim. That’s the whole point.
Posted on 9/28/22 at 7:48 pm to Spoonbilla
They should pay but they will send scumbag adjusters to do their dirty work and bank on most people being pussies and not fighting the inevitable let down. Scum of the earth and frick them all. Both medical and home insurance. All of them are going to hell
Posted on 9/28/22 at 7:49 pm to Powerman
quote:
I don't know the logistics of moving a large boat but it sure isn't as simple as pulling up your Tacoma and driving off with it.
If you can’t trailer your boat it’s really not that far of a drive to appalachicola. Then just 2-3 hours more east to be extra safe. And if you can’t do it easily or your boat is too big, then hire a captain or you have a captain.
There’s literally not a good excuse for insurance to pay for a boat that’s damaged by a hurricane on a lift. I’m not sure why any company would cover that unless you are paying out the wazoo for the insurance.
Posted on 9/28/22 at 7:50 pm to Spoonbilla
Did the policy holders pay their premiums? If so then yes.
Posted on 9/28/22 at 7:52 pm to Spoonbilla
Where do you want these boats to go? All 67 counties in FL were declared a national state of emergency. And yes, this is an Act of God/Force of Nature triggered event, so claims will have to be honored or attorneys will go after carriers at 3 times bad faith claim handling rewards.
Posted on 9/28/22 at 7:55 pm to AllDayEveryDay
quote:
No but flood insurance laws need to change. Homeownership should require it to some degree. FEMA as an agency is getting reamed on flood claims every hurricane
I have heard FEMA pays better than NFIP (National flood insurance) and it doesn't charge premiums. What a deal!
Posted on 9/28/22 at 7:59 pm to AllDayEveryDay
quote:
Homeownership should require it to some degree
Disagree to an extent. I realize this a small minority of homeowners, but FEMA flood insurance on the west end of Galveston is a joke. Once west of the seawall, the 12 miles of island is less than a mile wide. It is literally impossible for this stretch of turtle backed island to have any rain driven flooding or run off resulting in flooding.
Now, we can of course have a significant storm surge from a wind driven event, but that is covered under a Texas Wind Storm Policy. Yet, to get a mortgage or a construction loan you are required to purchase FEMA flood insurance.
Posted on 9/28/22 at 8:00 pm to Tomatocantender
quote:
Where do you want these boats to go?
Exactly. Thousands and thousands of boats in storage with no trailer at all. Thousands and thousands of non-trailerable boats just gonna line up all the rivers and hope for the best? Some of these facilities may be as safe as they could hope for if they found anywhere else at all.
I have no empathy or sympathy for insurance companies. If premiums were paid, then pay the fricking bill unless you can prove negligence.
Posted on 9/28/22 at 8:02 pm to Powerman
quote:
Legit question. I don't know the logistics of moving a large boat but it sure isn't as simple as pulling up your Tacoma and driving off with it.
that’s why you drive an F-250
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