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(Miami Herald)   Check those insurance policies for gaping holes like this one   (blogs.herald.com) divider line
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1867 clicks; posted to Fandom » on 01 Oct 2020 at 6:30 PM (3 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



22 Comments     (+0 »)
 
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2020-10-01 5:33:10 PM  
There is no insurance policy that exists that covers acts of war.  It is simply not possible to cover correlated risks like that.
 
2020-10-01 5:51:50 PM  
Like many Americans I pulled out my Homeowner's Insurance policy to read over dinner.

Um... Is that actually common? Should I be reading my Auto policy over lunch, or is that really more a Accidental Death & Dismemberment time?
 
2020-10-01 6:30:22 PM  

Bootleg: Like many Americans I pulled out my Homeowner's Insurance policy to read over dinner.

Um... Is that actually common? Should I be reading my Auto policy over lunch, or is that really more a Accidental Death & Dismemberment time?


The pairing here depends on your dish.

I would suggest homeowners with a conventional American meal or lunch, like burgers or steak. It's a heavy read and will take time to digest.

I'd read the life insurance with a British lunch, like Spotted Dick or Haggis, given both remind you of your impending doom.

The auto policy should be read in the car on a McD's drive thru.

Your AD&D rider probably pairs well with seafood that stares back at you while you tear it apart.

And your umbrella policy's secret limitations clauses can only be read while outside in a thunderstorm.
 
2020-10-01 6:44:20 PM  

BMFPitt: There is no insurance policy that exists that covers acts of war.  It is simply not possible to cover correlated risks like that.


The funny here is that it specifically mentions nuclear weapons, and goes out of the way to say that use of a nuke activates the no-war-payout even if accidental.

/not really that funny
//like Dave Barry in general
 
2020-10-01 6:45:55 PM  
Are these people really complaining about no insurance coverage for a type of event that has never happened?
 
2020-10-01 6:50:27 PM  
It won't be an accident.
 
2020-10-01 6:50:42 PM  

avian: Are these people really complaining about no insurance coverage for a type of event that has never happened?


No, I think they just think it's funny. Which it is a little.

Of course, it's also kind of moot. If a nuke destroys my house it's going to destroy me along with it so it's not like I could file a claim.
 
2020-10-01 6:51:20 PM  
Wake up sheeple. The really alarming part is insurrection. We're a hair's breadth away from insurrection breaking out in many places.
 
2020-10-01 7:11:53 PM  
Weirdest disclaimer I found was on the warranty for my Caller-ID, it is "  . . .  not warranted against the ever-popular acts of God."

I once encountered a travel policy that explicitly did not cover alien abductions.
 
2020-10-01 7:14:51 PM  

mongbiohazard: If a nuke destroys my house it's going to destroy me along with it so it's not like I could file a claim.


You obviously don't watch Fark Movie Night or you would know that you can protect your house against nuclear blasts by painting it white.
 
2020-10-01 7:16:03 PM  

Clash City Farker: Wake up sheeple. The really alarming part is insurrection. We're a hair's breadth away from insurrection breaking out in many places.


No kidding. If Trump somehow steals a win, kiss the United States of America goodbye, because the 2nd American Civil War will break out, and it won't be because a few states decide they don't want to be in the United States of America anymore because some of the other states don't like slavery. All 50 states will have people shooting at each other, and anarchy will be the rule.
 
2020-10-01 7:16:51 PM  
If an insurance company calls out something specific, it means someone, somewhere, tried to file a claim about it.
 
2020-10-01 7:20:52 PM  
The insurance adjuster just visited today to look at our Hurricane Laura damage, so getting a kick ...
 
2020-10-01 7:29:08 PM  

bayoukitty: The insurance adjuster just visited today to look at our Hurricane Laura damage, so getting a kick ...


Prepare to wait months more to get an actual payout on the policy, if you get one at all.
 
2020-10-01 8:10:33 PM  
Most people don't read their insurance declarations. They don't consider uncovered perils or exposure.  (flood, earthquake, storm in the case of homeowners policies, liability limits that expose their assets for auto). They just see annual or semiannual premiums, and maybe review the deductibles.
 
2020-10-01 8:27:35 PM  

Izunbacol: Most people don't read their insurance declarations. They don't consider uncovered perils or exposure.  (flood, earthquake, storm in the case of homeowners policies, liability limits that expose their assets for auto). They just see annual or semiannual premiums, and maybe review the deductibles.


Because most policies the average consumer can get are contracts of adhesion. You have no leverage to negotiate anything and the coverage, exclusions and limitations are generally the same between carriers.

So all you can hope for is that your state compels insurers to include minimum things you may need in their coverage.  Because your state is the only leverage.

That's why there are so many insurance company agents and lawyers infesting state legislative halls and even elected offices.  And their allies, used car dealers and local bankers. (At least in rest states.)
 
2020-10-01 9:54:19 PM  
No insurance while being looted during riots seems like a more gaping hole than the baby nuke discharge.
 
2020-10-02 7:55:01 AM  

avian: Are these people really complaining about no insurance coverage for a type of event that has never happened?


Wars and insurrections have never happened?

Nuclear bombs have never been used in war?
 
2020-10-02 8:31:18 AM  

ClavellBCMI: If Trump somehow steals a win


So you simply can't imagine him legitimately winning the election?

It's people like you who have fever dreams and are begging for war that make it go from "Never going to happen" to "miniscule chance that it could happen".
 
2020-10-02 8:34:32 AM  

Clash City Farker: Wake up sheeple. The really alarming part is insurrection. We're a hair's breadth away from insurrection breaking out in many places.


Well, if it's truly an insurrection, we can legitimately charge those fighting against the US with treason, and do so with military courts instead of civilian ones, and execute them if they are found guilty.
 
2020-10-02 8:35:08 AM  

mongbiohazard: avian: Are these people really complaining about no insurance coverage for a type of event that has never happened?

No, I think they just think it's funny. Which it is a little.

Of course, it's also kind of moot. If a nuke destroys my house it's going to destroy me along with it so it's not like I could file a claim.


Your estate could, through your executor or personal representative or whatever your state calls it.
 
2020-10-02 10:59:24 AM  

BMFPitt: There is no insurance policy that exists that covers acts of war.  It is simply not possible to cover correlated risks like that.


Exactly.  The whole point of insurance is spreading risk.  If too many people are involved at once you can't reasonably spread it, the insurance system fails.  Hence any properly written insurance policy has language like this.  This is also why flood insurance is government and earthquake insurance is a joke.
 
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