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 Posted: Sat Nov 22, 2008 12:36 pm Post subject: my wifes insurance company declined the claim she had becaus |
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| my wife and i are separated. She has for the longest time stayed with her sister until we worked this out. One day I asked her to take me to the hospital because i was having some trouble that I thought might be cardiac related. See i have had 10 heart attacks and 14 strokes plus many more things i don't want to mention due to time. I retired from a duty related disability. we ht the road in route to the 70 mile trip to what was foote hospital in jackson michigan. I wasn't feeling as bad as it started because the chest pain sort of claimed a bit. just outside of the destination we came across these elderly ladies who was standing in front of the vehicle with a gas can held out to get help. w decided to help. th ladies then gave us the gas can and we went to the nearest gas station. when we got back to were the ladies was they were gone. So, we pulled over to wait for then to let us know they were fine. just then my son was complaining that the gas must be leaking so i asked everyone to get out of the van and my wife to hit the back door (which means to open it by remote). when she hit the button the door started to open and the fumes or spilled gas ignited. the insurance company both denied the claim and said to the guy she bought the van from that they thought i set the van on fire anyone who knows a firefighter can understand that the very worse thing you can accuse a firefighter of doing is to set something on fire to make a profit. thus slandering my name. They further threatened to deny her claim if i didn't show up for the deposition. i don't drive any more because i passed out before. this fact can be verified by all the people that drive me everywhere i want to go. we stay in two different places and had proof of this fact but they used this as a second reason to decline the claim. they claimed that i drove the van and set it on fire. |
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simmons3011
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| Posted: Sat Nov 22, 2008 12:51 pm Post subject: |
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Ok simmons first of all they haven't actually denied the claim, or they are saying they will deny it for failure to cooperate if you don't show for the depo? You need to go to the deposition you get rides everywhere else you need to go get a ride there. | Quote: | | the insurance company both denied the claim and said to the guy she bought the van from that they thought i set the van on fire |
You say they denied, it then they | Quote: | | They further threatened to deny her claim if i didn't show up for the deposition |
Which is it? Have they denied it or not? If it's been denied it will be denied in writing, I'm assuming your name is still on the van, making you an insured, if you fail to cooperate (by going to the depo) they can deny it based on that fact....why is the guy she bought the van involved in anything? Your wife and son were with you in the van right? so how can they say | Quote: | | they claimed that i drove the van and set it on fire. |
I'm sorry simmons but your post if full of contradiction, please start over going slow, and let's try and figure this out...start with then it happened, and any actual letters of denial, why you didn't go to the depo...etc...also what state are you in and what company is it?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sat Nov 22, 2008 2:05 pm Post subject: insurance |
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| Ok...have a few questions, for THIS one. SIMMONS,..you said the insurance company THOUGHT you set the van on fire. Don't they have to have proof of this? Can they have an invetigator go out and look at it? Usually an invetigator, for your insurance company, can 'determine' what the cause of the fire was. I'm with LORI on this one..........DID they deny the claim OR are they SAYING they will? |
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sdchargersfan
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| Posted: Sat Nov 22, 2008 4:31 pm Post subject: |
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| Bottom line, the insurance company _suspects_ that arson _might_ have been involved and this is why they want an Examination Under Oath. I'm reading the post and find it odd that someone on their way to the hospital for a possible heart attack stops to get someone gasoline and then when they pick up the gas and go back, the people are gone. How did they get out of their without any gas? Then it's also a freak situation where the gas is leaking and the gas fumes ignite the van. I'm not saying it could not happen... it's just a little unusual. Tie that together with gasoline being an accelerant and being seperated from your wife and I think an EUO would be a wise thing for the insurance company to do. |
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tcope
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| Posted: Sun Nov 23, 2008 10:13 am Post subject: |
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| Quote: | "I asked her to take me to the hospital because i was having some trouble that I thought might be cardiac related. See i have had 10 heart attacks and 14 strokes plus many more things i don't want to mention due to time."
"just outside of the destination we came across these elderly ladies who was standing in front of the vehicle with a gas can held out to get help. w decided to help."
"th ladies then gave us the gas can and we went to the nearest gas station. when we got back to were the ladies was they were gone. So, we pulled over to wait for then to let us know they were fine."
"just then my son was complaining that the gas must be leaking so i asked everyone to get out of the van and my wife to hit the back door (which means to open it by remote). when she hit the button the door started to open and the fumes or spilled gas ignited."
"the insurance company both denied the claim and said to the guy she bought the van from that they thought i set the van on fire anyone who knows a firefighter can understand that the very worse thing you can accuse a firefighter of doing is to set something on fire to make a profit."
"They further threatened to deny her claim if i didn't show up for the deposition." |
Well, simmons3011, the reason they don't believe you is because your story is unbelievable.
I don't believe your story, who would?
NOBODY, while having their 11th heart attack or 15th stroke or BOTH would stop to get gas for someone while on their way to the hospital with their life possibly hanging in the balance. NOBODY.
The statement regarding the deposition is total bllsht. If the insurance company suspects arson and is denying a claim on that basis they could care less whether or not you show up for a deposition. The claim would have already been denied. Further, it would be your wife who would be sueing the insurance company because they denied her claim because it was her van.
By the way, did you ever make it to the hospital that day after your good Samaritan episode blew up?
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GarySpicuzza
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| Posted: Sun Nov 23, 2008 2:15 pm Post subject: insurance |
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| GARY...good points you've brought up. My father has had 4 heatattacks and a few relapses. How did he survive all of that?/ ..I REALLY ask myself. But...if someone had as many strokes, etc. as this person, above, said,....gosh, that's a miracle. Why, in Gods name, would you stop for ANYTHING when going to the hospital, on an emergency basis?! When I posted above, I was trying to get truthful answers, as well. |
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sdchargersfan
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| Posted: Mon Nov 24, 2008 7:11 am Post subject: |
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| Quote: | | By the way, did you ever make it to the hospital that day after your good Samaritan episode blew up? |
Probably not, since according to the OP the pain receded on his way to the hospital.
| Quote: | | I wasn't feeling as bad as it started because the chest pain sort of claimed a bit. |
So he might have though to use the time by helping the ladies in distress.
Simmons, I feel for you but possibly the insurance company has no intention to slander your name, they are only trying to make a wise decision. You may well agree that your situation is full of oddity. May be you have forget to mention some important portion in the whole narration that might change the scenario.
Claims involving fire, theft and vandalism are often treated skeptically. Therefore, the insurer wants to be absolutely sure before recognizing the claim. Hence, if they have asked you for the deposition, you should turn-up at the meeting to avoid further complications. Trust me it happens quite often and there is nothing to feel touchy about it. |
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jeorge
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| Posted: Mon Nov 24, 2008 12:02 pm Post subject: |
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| Quote: | | So he might have thought to use the time by helping the ladies in distress. |
 
Okay, fine, I guess I would have stopped too!
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Gary Spicuzza, *SAFE
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*Self Appointed Financial Expert |
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GarySpicuzza
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| Posted: Tue Nov 25, 2008 2:33 am Post subject: insurance |
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| SIMMONS, I'm REALLY curious about an 'update', on this issue, if you can give me one. And you...how are YOU feeling? |
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sdchargersfan
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| Posted: Tue Nov 25, 2008 2:59 am Post subject: |
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| Quote: | | And you...how are YOU feeling? |
you are a bad girl SD (love it!)
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Tue Nov 25, 2008 3:06 am Post subject: insurance |
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I was hoping no one would notice my 'motivation', on this one..LOL Well..I'm just a concerned citizen, that's all.  |
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sdchargersfan
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| Posted: Tue Nov 25, 2008 3:18 am Post subject: |
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Wow To think I watch Days of Our lives when I can ust come here. Only been gone a couple days and miss something this good. I will stayed tuned for future episodes..I mean updates myself..
In the mena time SD behave yourself and Gary too. LOL |
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fireyone
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| Posted: Tue Nov 25, 2008 11:42 pm Post subject: insurance |
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| I DON'T WANNA behave myself!! I'm having TOO much fun with this one. |
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sdchargersfan
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| Posted: Wed Nov 26, 2008 12:00 am Post subject: |
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| Please don't...I could always use a good laugh. I am not saying the post is not a true one. I am just thinking about the chances of this actually happening and the circumstances surrounding it. |
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fireyone
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| Posted: Wed Nov 26, 2008 1:23 am Post subject: |
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Welcome to 'my' (and all other adjusters world) girls....
You have to take this claim at face value then try and figure out what really happened....it's very difficult sometimes, and then if someone refuses to show for an EUO, well frankly that makes it much easier on the SIU team or the adjuster because this OP is gonna' get this claim denied for his estranged wife...(see how I 'chattered' AND got back on topic )
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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