stevehenry1
Member
- Joined
- Nov 15, 2009
- Messages
- 21
Be careful when talking to insurance companies
Don't count on the insurance agent being able to give you the correct answer. My father-in-law found out the hard way. He had a ham radio installed (bolted down) in his car. His agent told him it was covered. But when the car was broken in and the radio stolen, they refused to pay. There was a trick phrase loophole in the fine print. I called the claims office of my insurance to get a straight answer, and they refused to tell me unless I was filing a claim! I checked my policy and it had the same trick phrase. My neighbor tried to file a claim when a big tree limb over his house started cracking. Not only would they not cover the limb removal, they told him that when it fell it or the damage it caused would not be covered! The reason--since he called it meant he knew it was a hazard, and he was now responsible to abate it himself! Calling in effect blocked his coverage. BE WARY WHEN YOU TALK TO YOUR AGENT!!!!!
Don't count on the insurance agent being able to give you the correct answer. My father-in-law found out the hard way. He had a ham radio installed (bolted down) in his car. His agent told him it was covered. But when the car was broken in and the radio stolen, they refused to pay. There was a trick phrase loophole in the fine print. I called the claims office of my insurance to get a straight answer, and they refused to tell me unless I was filing a claim! I checked my policy and it had the same trick phrase. My neighbor tried to file a claim when a big tree limb over his house started cracking. Not only would they not cover the limb removal, they told him that when it fell it or the damage it caused would not be covered! The reason--since he called it meant he knew it was a hazard, and he was now responsible to abate it himself! Calling in effect blocked his coverage. BE WARY WHEN YOU TALK TO YOUR AGENT!!!!!