Wiring harness chewed-warranty voided

44-16 Taco · Dec 29, 2020

tonykarter said: ↑

No Kevin, I am not bitter. A person only needs to reread several of the posts above this one, (and many to come, I'm sure) to recognize who is bitter, and who feels entitled. But I deal with bitter people every day who have an entitled attitude. Nobody takes personal responsibility anymore. I come from a time before when everyone got a participation trophy. I get tired of hearing the whining. If I offer you all of this coverage you are not going to buy it. But let one thing happen, and guess who is going to whine the loudest?

Tell you what I have done though Kevin: I've stood in the street in front of a house a couple of houses down from this one with its owner and I watched her with my arm around her as her house burned to the ground. The sweetest, kindest octogenarian lady that I know, recently widowed. She is on a fixed income and had been lobbying me to drop her home coverage from $242K to something around $180K. I had refused to do that, knowing that she couldn't rebuild it for the $180K market value she could sell it for. She got out with the clothes on her back, not even her purse was saved. The insurance company had her in another house that night, a very nice house too, across the golf course from which she could see her house, and watch as it was rebuilt. They didn't have to do that, but in one hour that terrible insurance company morphed into many compassionate, caring people on the other end of the phone who sprung into action and came to Billie's immediate aid. They worked well into the night making the impossible possible. It was a much nicer house than hers, and they didn't have to do that. They contacted the realtor, then the owner, and convinced him to take the house off the market and paid him WAY MORE monthly rent than it was worth, all so he would agree to let Billie stay there until her house was built. If I remember right they paid him 6 months rent and deposit up front. They paid the owner direct so that she would not have to deal with that. They paid her utilities. They did not have to do that. They allowed her to rent furniture of her choice and paid to have it delivered 50 miles, and paid that bill direct so that she wouldn't have to. They put $12,000 in her bank account the next day so she could start rebuilding her self dignity. The rebuild cost $267K, more than the $242k she was insured for. They paid it, because she had listened to me and bought an endorsement giving 25% additional Coverage A for an additional $42/year.

I hope you buncha' self-entitled whining malcontents never find yourself standing in front of your house watching it burn like Billie did. I saw her face. It is my prayer that you never have that look on your face, or that feeling in your heart. Most of all, I hope you listen when your insurance agent talks. One day your insurance company may just have to pull your fat out of the fire for you too.
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mrkabc · Dec 29, 2020

tonykarter said: ↑

I hope you buncha' self-entitled whining malcontents never find yourself standing in front of your house watching it burn like Billie did. I saw her face. It is my prayer that you never have that look on your face, or that feeling in your heart. Most of all, I hope you listen when your insurance agent talks. One day your insurance company may just have to pull your fat out of the fire for you too.
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I have seen the opposite. As a Homeowners claims adjuster in the 1990s I went to a house that had burned to the ground (due to an EV1 malfunction) and the family of 5 had escaped with just their clothes on their backs.

NO INSURANCE. They were renters, and I was there for the house only (landlord insurance). They could not understand why I couldn't do anything for them, first appealing to my good nature, then turning to curses and insults at me and the insurance company I worked for at the time. I heard the gamut about how heartless I was because I couldn't pay for their hotel lodgings that night. I did feel bad at first but after they started haranguing me (even their teenage daughter was cussing at me) I quickly got over it and told them to step aside, that I was only concerned about the house.

Reminds me a lot of some of the caustic posts in this thread against @tonykarter , he does speak the truth. You get what you pay for, and the contract is provided to you before anything has happened to you.

Chinese aftermarket parts? Did you pay for a policy that states OEM parts only?

Pipe burst in your yard? Did you pay for Service Line coverage?

Insurance is a bet you make with a large company. In order to win the bet something bad has to happen to you. It's not a "savings account" where you can tell them that "I've been with you for X years and therefore you owe me", it's all about what the contract language says.

You did read your policy before things went bad did you?

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Wiring harness chewed-warranty voided

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Wiring harness chewed-warranty voided

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44-16 Taco Do I look like a guy with a plan?

#82
mrkabc Mall Crawler with a Locker

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