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re: What would the OT do?

Posted on 5/29/15 at 11:42 am to
Posted by OMLandshark
Member since Apr 2009
108471 posts
Posted on 5/29/15 at 11:42 am to
Depends if you're a shitty person or not.
Posted by TigerPanzer
Orlando
Member since Sep 2006
9476 posts
Posted on 5/29/15 at 11:42 am to
quote:

Your sense of entitlement is GLARING!

And your resemblance to Simon Legree is APPALLING.
Posted by yellowfin
Coastal Bar
Member since May 2006
97644 posts
Posted on 5/29/15 at 11:42 am to
Your health insurance will ask you where it happened and they'll try to recoupe their money from your boss' homeowners.
Posted by VetteGuy
Member since Feb 2008
28184 posts
Posted on 5/29/15 at 11:47 am to
GOOD GRIEF.

Seriously?

People like you are why every damn body pays more for Homeowner's insurance and GL and every other type of damn insurance.

Thanks.
This post was edited on 5/29/15 at 11:52 am
Posted by Cruiserhog
Little Rock
Member since Apr 2008
10460 posts
Posted on 5/29/15 at 11:56 am to
If it was a slide brought to the house by a third party business, their insurance should cover injuries when they sign the contracts
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
58348 posts
Posted on 5/29/15 at 12:29 pm to
Mortgage companies are why people pay homeowners insurance. Thanks.
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
58348 posts
Posted on 5/29/15 at 12:31 pm to
quote:

I'm not a legal expert but I believe this is different than suing.


Yes. People think when you file a claim you're suing. Not the case at all.

I love these threads. 100 answers from 100 different people, and 96 of them don't know jack.
Posted by Grouper Picatta
Sarasota,FL
Member since Mar 2013
1590 posts
Posted on 5/29/15 at 12:32 pm to
I'd tell my kid to drink more milk
Posted by VetteGuy
Member since Feb 2008
28184 posts
Posted on 5/29/15 at 12:33 pm to
I'm not clear on your point.

Insuring an asset is one thing, people making claims b/c "its always someone else's fault" are another.
Posted by VetteGuy
Member since Feb 2008
28184 posts
Posted on 5/29/15 at 12:34 pm to
quote:

People think when you file a claim you're suing


when you file a claim, even w/o a suit, premiums go up.

For everyone.
Posted by TigerBait2008
Boulder,CO
Member since Jun 2008
32431 posts
Posted on 5/29/15 at 12:36 pm to
idiot.
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
58348 posts
Posted on 5/29/15 at 12:38 pm to
The med pay and liability are there on the policy to protect the mortgage co just as much as the home "owner."

TONS of people wouldn't (and many still don't) carry auto insurance even though it's legally required in LA. The rest of us carry UM because these folks are out there.

OP merely asked about filing a claim for medicals because that's what it's for. If it helps cover his deductible thru his health insurer, great. Chances are his health carrier will file through his bosses homeowners to recoup their payments anyway.

ETA Not because it was the bosses fault, because the coverage is there and that's what it's for. Same as the medical coverage on your auto policy.
This post was edited on 5/29/15 at 12:40 pm
Posted by VetteGuy
Member since Feb 2008
28184 posts
Posted on 5/29/15 at 12:44 pm to
quote:

OP merely asked about filing a claim for medicals because that's what it's for. If it helps cover his deductible thru his health insurer, great. Chances are his health carrier will file through his bosses homeowners to recoup their payments anyway.


Does the OP not have medical insurance?

Assuming he does, he (or his carrier) is going to initiate a claim against another insurance company to recover his damn deductible?

Do you not agree these actions raise rates for everyone?

Can't OP suck it up and pay for it?

I know, stupid concept.


quote:

The med pay and liability are there on the policy to protect the mortgage co just as much as the home "owner."


Of course. They are to protect whoever "owns" the asset. I'm not sure what this has to do with anything?
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
58348 posts
Posted on 5/29/15 at 12:51 pm to
I can't speak for what the OP has not already mentioned. I have health ins and I have a savings account specifically for health related issues. Not everyone does and that's their issues. I do agree that claims will cause premiums to rise, but I also know there is a reason why you carry insurance.

It has to do with the fact that this is what the medical payments coverages are for on your homeowners policy. Stupid concept, I know.


ETA And he may not file a claim thru his boss' policy. We don't know. Heck, the boss may already have. He asked a question and I answered.

Maybe he doesn't have the money to pay for it. Maybe he works 60 hours a week to send his kids to private school and can't afford health insurance.

ETA ETA Should he also decline to use his health insurance because premiums might rise? If so, then why have it?
This post was edited on 5/29/15 at 12:57 pm
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