DesertRat
Perpetual Newbie
- Joined
- Jun 19, 2008
- Messages
- 959
I am in the insurance business and more and more I see how downright selfish, greedy and plain ignoble a huge section of society has become. I am seeing more highly questionable claims being filed, more lawsuits filed over events that can only be attributed to lack of personal responsibility as opposed to negligence on the part of the defendant. More incidences of just plain unprincipled actions on the part of people.
Some general examples I've heard of or experienced;
A business owner calls in to say he is going out of business and to cancel his policy effective on "X" date. Two days prior to the policy cancellation he files a $20,000 claim for theft of ALL his business personal property, including his security system which was conveniently turned off at the time of the alleged theft. The thieves were so efficient they even took the time to carefully remove all the wiring, sensors, wireless transmitters and operating manuals for not only the security system but all the office equipment. It's as if the thieves boxed everything up and loaded it into a moving truck and left.
A business being sued by a customer who fell down a stairwell because they were walking backwards talking to a friend at the time.
A business being sued because a customer claims they ate a bad donut purchased from the store. They filed the complaint a week after they supposedly purchased the donut, cannot provide any evidence the donut was bad since they threw it away. But still, they supposedly got sick and want compensation for lost wages, pain and suffering etc....
A business being sued for wrongful death because an employee suffered a fatal heart attack while at work. The employee (in their 60's) had a history of heart problems and was a life long chain smoker. The survivor is claiming the employer caused the death due to work related stress. The employee was a night janitor who worked after the business was closed for the day.
An individual calls their insurance agent to ask if $5,000 in custom wheels and tires are covered on their car. They are told that the coverage can be purchased and invoices are provided to justify the amount. They purchase the coverage, provide the info and then call the next day to file a claim for the theft of said wheels and tires.
An individual whose auto policy has been cancelled for over a month due to non-payment, calls their agent re-instate their policy. The policy is reinstated. One hour later they call the claims office to report a collision in which they were at fault. In this case however, the accident occured the day previous to the re-instatement and so was not covered.
I spoke with a representative of a local restoration company this morning and he tells me they are busier than ever due to all the foreclosures taking place. Why? Because people are stopping up sinks and leaving the water running when they vacate the house, taking hammers and destroying the interior of the home, defecating and urinating on carpets, removing windows, cabinets, carpets, appliances, copper wiring etc... and the list goes on.
What a great society we are becoming
/rant off
Danny
Some general examples I've heard of or experienced;
A business owner calls in to say he is going out of business and to cancel his policy effective on "X" date. Two days prior to the policy cancellation he files a $20,000 claim for theft of ALL his business personal property, including his security system which was conveniently turned off at the time of the alleged theft. The thieves were so efficient they even took the time to carefully remove all the wiring, sensors, wireless transmitters and operating manuals for not only the security system but all the office equipment. It's as if the thieves boxed everything up and loaded it into a moving truck and left.
A business being sued by a customer who fell down a stairwell because they were walking backwards talking to a friend at the time.
A business being sued because a customer claims they ate a bad donut purchased from the store. They filed the complaint a week after they supposedly purchased the donut, cannot provide any evidence the donut was bad since they threw it away. But still, they supposedly got sick and want compensation for lost wages, pain and suffering etc....
A business being sued for wrongful death because an employee suffered a fatal heart attack while at work. The employee (in their 60's) had a history of heart problems and was a life long chain smoker. The survivor is claiming the employer caused the death due to work related stress. The employee was a night janitor who worked after the business was closed for the day.
An individual calls their insurance agent to ask if $5,000 in custom wheels and tires are covered on their car. They are told that the coverage can be purchased and invoices are provided to justify the amount. They purchase the coverage, provide the info and then call the next day to file a claim for the theft of said wheels and tires.
An individual whose auto policy has been cancelled for over a month due to non-payment, calls their agent re-instate their policy. The policy is reinstated. One hour later they call the claims office to report a collision in which they were at fault. In this case however, the accident occured the day previous to the re-instatement and so was not covered.
I spoke with a representative of a local restoration company this morning and he tells me they are busier than ever due to all the foreclosures taking place. Why? Because people are stopping up sinks and leaving the water running when they vacate the house, taking hammers and destroying the interior of the home, defecating and urinating on carpets, removing windows, cabinets, carpets, appliances, copper wiring etc... and the list goes on.
What a great society we are becoming
/rant off
Danny
