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Old 01-10-2007, 01:37 PM   #85
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Good luck wahoonc. I'm glad that you are getting a settlement that is fair to you.
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Old 01-10-2007, 02:22 PM   #86
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Quote:
Originally Posted by Foiled Again
Do NOT call your insurance company for anything trivial OR even to ASK if you should file a claim or not on something small... call your agent!

My agent taught me that the insurance company will OPEN A CLAIM if you call to ask about something minor like a dinged bumper - if the cost to repair/replace the bumper is $400 and you have a $500 deductible they will consider it a claim even if you never receive a cent... just because you inquired...

Paula Ford
We called our agent (State Farm) just to find out if we were covered when our basement bathroom had some minor flooding. They told us probably no, but next thing I know an adjuster is calling me asking all kinds of questions about it. Then they sent a letter denying our "claim". All we tried to do was find out if it would be covered!
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Old 01-10-2007, 03:24 PM   #87
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Quote:
Originally Posted by GreatPumpkin
We called our agent (State Farm) just to find out if we were covered when our basement bathroom had some minor flooding. They told us probably no, but next thing I know an adjuster is calling me asking all kinds of questions about it. Then they sent a letter denying our "claim". All we tried to do was find out if it would be covered!
Well, it sounds like you got an official answer!

One thing I found out from my agent when our toilet overflowed. If the overflow comes from a sewer line or septic tank back-up into the house, the insurance does NOT cover it. If the water never makes it into the sewer/septic tank, it is covered. In our case it was a case of Murphy's Law. Our toilet bowl clogged at the same time that the toilet tank filler valve stuck and the water kept flowing into the bowl with no where to go but to overflow onto the floor. Since no one was home to stop it, it just kept on running. Since there was a steady slow stream of water, the contents of the bowl stayed in the bowl contaminating all of the water that went into the bowl and eventually onto the floor and throughout the house. Pretty gross. Anyway, my agent was very clear that this would not have been covered if our septic tank had backed up. Thank goodness we were living right.
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Old 01-10-2007, 04:13 PM   #88
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Careful "asking"......

I've heard some people's rates go up for "questions"... as in "I was just wondering".....

Seems like you may have inadvertadely had a "claim", especially if it was "denied." This also dings your insurance record. I'd make sure it wasn't counted as such.
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Old 01-10-2007, 08:04 PM   #89
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Originally Posted by 3Ms75Argosy
I've heard some people's rates go up for "questions"... as in "I was just wondering".....

Seems like you may have inadvertadely had a "claim", especially if it was "denied." This also dings your insurance record. I'd make sure it wasn't counted as such.
Marc
That was the lesson learned here!

We knew some people who had their bathroom repaired on the insurances dime due to flooding, so we called our agent to see if it was covered. They went ahead and processed it as a "claim" - which they promptly denied. Sudden and/or catastophic flooding would be covered (like Minnie's Mates brown trout incident) but gradual leakage (pipe leaking in the wall when we took a shower) wasn't covered.

Fortunately no rates were harmed in the asking of the simple question. We've had SF for 14ish years, with only one claim - other than the 2 time(s) my wife went deer hunting with her minivan - in this part of the country that is an expected occurance, and we don't get dinged for it.
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Old 01-11-2007, 03:20 PM   #90
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Sate farm learning the hard way

I thought of this thread when I read this article about State Farm...


[Jury Rules State Farm Owes Punitive Damages of $2.5 Million in Denied Katrina Claim Case

GULFPORT, Miss. (AP) -- A jury on Thursday awarded $2.5 million in punitive damages to a couple who sued State Farm Fire & Casualty Co. for denying their claim after Hurricane Katrina, a decision that could benefit hundreds of other homeowners challenging insurers for refusing to cover billions of dollars in storm damage.
...]

Punitive Damages Awarded in Katrina Case: Financial News - Yahoo! Finance
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Old 01-11-2007, 03:37 PM   #91
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Question Cause of the Accident

Did David Ludwig ever post the answers to Andy's questions (Post #30) in this thread? I would really like to see Andy's analysis on the root cause of the accident.
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Old 01-11-2007, 04:02 PM   #92
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Make sure you have a rider on your homeowners....

that covers all forms of personal injury, including liable. I even got a rider with the policy my Airstream that covers accidents like trip and fall around your campsite. My homeowners insurance defended me when I was sued for $13.5 million for posts on an internet stock discussion forum. I was actually sued in 3 states and St. Paul/Travelers hired top floor attorneys for me in all three states. The Miami lawyers even came here to NM to represent me during my deposition.
Anybody who posts on the Internet should have this insurance. Because really there is no freedom of speech. It belongs only to those who can afford the best attorneys. In the end, we settled out of court.
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Old 01-11-2007, 05:14 PM   #93
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I think by now we all know what caused the accident, I'm curious what State Farm actually did settle on.....
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Old 01-12-2007, 07:13 AM   #94
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I just got my Airstream Life copy (fall/winter 2006) and found that on page 9 on the lower right, there is a David Ludwig ad, with a guy sitting in what looks like a 28' CCD.

This wouldn't happen to be you would it??
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Old 01-12-2007, 09:55 AM   #95
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Quote:
Originally Posted by Minnie's Mate
We bought our 30' Safari in May '06. We camped in a campground in Chattanooga the Memorial Day Weekend (the weekend we picked it up) and when leaving the campground I cut too short and "brushed" against a guard rail and put a dent/crease from the door to the rear seam on the curb side of the trailer. The very next outing was Father's Day weekend. Just as I was reaching the turn-off to FDR State Park in Pine Mountain, GA a deer darted out just behind my truck and crashed into the front curb side corner of the trailer caving in the stone guard and corner panel behind it.
The incident with the deer hitting you resulting in damage to your vehicle should be covered under your comprehensive coverage. The incident when you collided with the guard rail should be covered under your collision coverage. If your comprehensive coverage deductible is $0 and the collision coverage deductible is $500, then the total of the settlement check is correct.
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Old 01-12-2007, 10:29 AM   #96
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Originally Posted by kitfoxdriver
The incident with the deer hitting you resulting in damage to your vehicle should be covered under your comprehensive coverage. The incident when you collided with the guard rail should be covered under your collision coverage. If your comprehensive coverage deductible is $0 and the collision coverage deductible is $500, then the total of the settlement check is correct.
I have $500 deductible on each if IIRC. I was in no way trying to defraud the insurance company. I gave Chris specific instructions that the quotes/estimates were to be separate and didn't realize until I was in JC to pick up the trailer that the check was for $9,200 instead of $8,700 as I expected. Now you may be correct, I may have $0 deductible on my comprehensive but I'm not sure about that. I think it may have been more trouble to straighten out than it was worth. The accounting and other paperwork may have required more than $500 worth of the insurance company's time to research. Now if it had been $1000 deductible, that might have been a different story.
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Old 01-12-2007, 11:47 AM   #97
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Quote:
Originally Posted by Minnie's Mate
I have $500 deductible on each if IIRC. I was in no way trying to defraud the insurance company. I gave Chris specific instructions that the quotes/estimates were to be separate and didn't realize until I was in JC to pick up the trailer that the check was for $9,200 instead of $8,700 as I expected. Now you may be correct, I may have $0 deductible on my comprehensive but I'm not sure about that. I think it may have been more trouble to straighten out than it was worth. The accounting and other paperwork may have required more than $500 worth of the insurance company's time to research. Now if it had been $1000 deductible, that might have been a different story.
It is doublful that your insurance company believes that you are trying to defraud them. They have the information about the separate incidents in the claim file per your initial report. Look at your delcaration page (the information the insurance company sends you each renewal cycle) to determine clearly whether you have different deductible amounts for collision and comprehensive.
Also, you might contact the adjuster and inform that person about the transportion expenses you incurred for the repair. It may be possible that some of the expense would be reimbursable. Good luck.
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Old 01-12-2007, 02:24 PM   #98
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No thoughts but wanted to thank you for posting this and all of the details. I will definately be talking to my insurance company (state farm )

Good luck and keep up posted.
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