ORIGINAL: c j
That's a common misconception coming from people who see one side of the issue.
Most of the time, the people who get the most upset about their claims are the ones who have never bothered to read their policy. They think that because they pay money for insurance, they are entitled to hit the jackpot when they turn in a claim, no matter what the actual circumstances are. The policies typically spell everything out in great detail as to what's covered and to what extent it's covered.
That's not to mention the 'extras' that people like to tack on to their claims. Like the ones who say their radio no longer works after their rear bumper got tapped at 5mph. Or their transmission is now slipping, etc.
Insurance generally boils down to documentation.The policy documents what is/isn't covered, andfrom there, it's up to the individual to document their damages.
Not trying to start a pissing contest here or anything! But, I'm a general contractor and have had dealings with my fair share of insurance claims. Like most there are good and bad. I tend to remember the bad and forget the good.
I once had a customers house hit by a tornado. It didn't flatten it but it knocked three sides off its foundation. It was a total loss in my mind. Adjuster decided that they shouldn't have to pay for a new roof because it was fine. So I ask you How am I supposed to replace the rest of the house without touching the roof?
I also personally was hit by a car. Other guys fault, but it was a hit and run. They never caught the guy, got his driver side mirror but nothing else. Anyway, insurance didn't want to pay medical bills because this other persons insurance should be held responsible. Which I agree it should, but how are you going to charge his insurance when no one knows who the heck he is? they wanted to wait and see, meanwhile the hospital is leaving dirty messages at my house and hurting my credit.
Sorry for the rant. Insurance in my mind is a necesary evil at best, and a license to steal at its worst. BC I hope you never have need of that insurance.
