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 Posted: Sat Jan 10, 2009 4:41 pm Post subject: I know someone who has hinted they might make a claim they a |
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| I know a guy who has insurance on an engagement ring that he insured on his house insurance. When he was married, he did not even live at that address but at hers. They were married for almost a year & a half. He kept his house. She kicked him out for mental & physical abuse & he wanted the ring back which she NEVER gave him. He never paid a cent to live there & went back to his dilapidated place but hinted about claiming insurance on the ring. I am so tired of people abusing the system. I believe he is the type of person to do this sort of thing. Should I tell someone - if so who?? |
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stswann
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| Posted: Sat Jan 10, 2009 7:38 pm Post subject: |
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First of all, this post should probably be in the "Home Insurance Forum", but . . .
| Quote: | | I know a guy who has insurance on an engagement ring that he insured on his house insurance. |
It is perfectly legal to "schedule" certain high dollar items, like jewelry, in your home insurance policy. Most insurance companies require a professional appraisal of each item, as well as, a photo of the item.
| Quote: | | I am so tired of people abusing the system. I believe he is the type of person to do this sort of thing. Should I tell someone - if so who?? |
Since "she" never gave him back the ring, it might be possible for him to claim theft of the item. Since the woman no longer wants the man around, why would she want to keep the ring?
There are many people who attempt, sometimes successfully, to put one over on the insurance company by filing false claims. If this is the case here, it's fraud. If you are sure that fraud is taking place, you might want to notify the insurance company, but be prepared to testify in court.
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InsuranceMaze
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| Posted: Sat Jan 10, 2009 7:49 pm Post subject: |
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| Quote: | | Should I tell someone - if so who?? |
Yes, first of all your friend, the ex-wife if you haven't already, and an anono. call to the insurance company would also be a good idea...ex wife should know who that is....
| Quote: | | Since "she" never gave him back the ring, it might be possible for him to claim theft of the item. |
I don't think that her 'not giving it back' to him would meet the definition of 'theft' under the policy....he would also be required to fill out a sworn statement in proof of loss (which has to be mailed back in and is notorized in most states, thereby allowing the carrier to also get him for mail fraud)...he would have to file a police report, and they will contact his ex-wife for a statement...so I doubt this prince of a fella will get away with it... | Quote: | | Since the woman no longer wants the man around, why would she want to keep the ring? |
Might be the best part of the marriage?  | Quote: | | If you are sure that fraud is taking place, you might want to notify the insurance company, but be prepared to testify in court. |
Maze the OP can anono. report this ... they won't have to testify to simply 'tip off' the carrier...In my years in the claims biz I've/we have gotten many many of these 'tips' all of which have turned out true....
| Quote: | | First of all, this post should probably be in the "Home Insurance Forum", but . . . |
done. I've moved it.
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Lori
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| Posted: Sat Jan 10, 2009 10:57 pm Post subject: response |
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| The ring was not "stolen". It was given as a promise of marriage. I know what this guy was like before she ever met him. Unfortunately she believed all his lies & married him. She paid for his entire stay at her home while he kept his home & lived at her house while she still raised her two young girls & paid for everything. He demanded the rings back. Hmmm. They were not his to ask for & he asked for other gifts the he had given her! She gave back everything including kitty litter & batteries! She needs to pawn those rings & try to get some of the money he drained her of! That is why I believe he would make a false claim. |
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stswann
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| Posted: Sat Jan 10, 2009 11:54 pm Post subject: |
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| Quote: | | He demanded the rings back. Hmmm. They were not his to ask for & he asked for other gifts the he had given her! She gave back everything including kitty litter & batteries! |
Tough noggies, she does not owe him the ring back, it was a gift in promise of marriage, which she (unfortunately per your discription) completed...
OP are these people now divorced or are they in the process? All of this property should have been addressed in the property settlement. If you have reason to believe he will file a claim with his carrier I would anonomously report this to his homeowners insurance carrier...IMO, The ring is her's if she wants to sell it...she can sell it.
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Lori
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| Posted: Sun Jan 11, 2009 12:12 am Post subject: |
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| These issues are always so hard? Rings and things and broken promises, it sure does not sound like it is an insurance issue at all. Make the call or have her do it, you know what they say about a woman scorn. |
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goodnatured
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| Posted: Sun Jan 11, 2009 12:32 am Post subject: Reply |
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| One more time - this is NOT a woman scorned! Obviously a man who needs a woman to take care of him answered that one! She paid for everything & still took care of her own two children. She left him because he was was abusive, financialliy drained her as well as emotionally drained her. No one would believe the things he did - I wouldn't believe it if I didn't know what he was like which is why I believe he would put in a false claim! They are DIVORCED. She has tried to move on but he calls her all the time. She told him to move on, she gave him back every gift he ever asked for accept the rings because she needs to recoup at least some of the money she lost (which everyone has told her to do). The money for the lawyer along with paying for his keep is too much. She wants her children to go to university. I do not know who the insurance carrier is & she thinks that if he does it, it is not her problem. They have been divorced since the spring of 2008. She is not asking - I am - because it is illegal & he has hinted that he might do that. |
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stswann
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| Posted: Sun Jan 11, 2009 1:05 am Post subject: |
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She fullfilled her promise and married him so no matter what he is not entitled to the ring back. Now if they were just engaged and never married it would be another story. Gee doesn't anyone watch Judge Judy!!LOL. just a joke there. I do not believe she is scorned either but I stand behind you 100% about people like this getting away with things. It just another free ride and more than likely raises the rates of honest people.
Some situations its hard to get involved if you have to testify..I would go for the anony. call. This will keep you out of the middle. I would tell the ex-wife and let her deal with it.
Unfortunately, as insurance maze said people get away with this sucessfully alot. I know someone who did it so much that they are now facing jail time for burning their own house. I say "about time". They ahd made so many claims that it was hard for them to get insurance but still always did...well they say what goes around comes around and now they have plenty of time to think about it..probaly years behind bars. |
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fireyone
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| Posted: Sun Jan 11, 2009 1:15 am Post subject: |
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Here's a brief statement from a Missouri court case:
| Quote: | | Further, Missouri courts have held that a gift given in contemplation of marriage is made upon the implied condition that the gift will become absolute when the marriage takes place. Therefore, a gift given in contemplation of marriage, although absolute in form, is a conditional gift and may be revoked by the donor if the marriage engagement is breached by the donee. The Court held that the evidence at trial established that the ring was a conditional gift made in contemplation of marriage and could therefore be revoked by the donor. |
Just for your information.
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InsuranceMaze
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| Posted: Sun Jan 11, 2009 2:07 am Post subject: |
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great information maze
stswann,
I totally agree with you that she should keep it and sell it to get some of her money back. I just meant that turning him in would be fair play right? |
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goodnatured
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| Posted: Sun Jan 11, 2009 2:27 am Post subject: |
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| Yes it was. The poster did say they were married for almost a year and a half so since she did not breach the marriage engagement so she can sell the ring and recoup some of her losses. Right? |
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fireyone
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| Posted: Sun Jan 11, 2009 3:22 am Post subject: insurance |
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| Ya know.............I saw a case, like this, on Judge Mathis once. The Husband was suing the Wife to get the ring back..they were NOT YET divorced. The Husband said the Wife "kicked him out because she din't like him anymore." Aslo...the ring as insured under HIS name. Also..the Husband The Wife had evidence of police calls, etc., that she had made, about the Husband threatening her life,etc. Also...she had photos of her in the hospital with brusies, etc. To make al ong stiry short, the Judge "ordered that the inurance ( for the ring) be put in HER name. and that the Wife DID NOT have to give the ring back." If this was a 'normal case' , then the Wife would have to give it back. However.....because this was a 'Hostile situation' type of thing, the Wife din't have to get it back. |
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sdchargersfan
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| Posted: Sun Jan 11, 2009 2:01 pm Post subject: |
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OP since you don't know FOR SURE that this creep is going to make a claim I think I have a better idea....AFTER she sells the ring...THEN call the ins. company and tip them off that the ring has been sold it was rightfully hers to sell and you just want to let them know should a claim surface. Also call the local cops and advise them of the same because he will HAVE to make a police report if he files a theft claim...this should clean it up and make you feel better about him trying to get by with something.
Out of curiousity....how do you KNOW that he is planning a claim?
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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: Sun Jan 11, 2009 2:53 pm Post subject: |
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| Quote: | | As for the police..I guess it depends on your area. |
My thought on that is this...when a theft is reported, typcially the first place cops look is the pawn shops, (in my area there is a cop that his entire day every day is going to all the pawn shops looking for stolen goods...what a boring job!  ) if she sells it at a pawn shop... there will be a record, and the cops will come asking her questions...now in this case she wouldn't be in any trouble, and could explain it. but it would still be a hassle..so my feeling was a 'pre' strike would be better than them calling her...
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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: Mon Jan 12, 2009 5:37 am Post subject: |
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| Quote: | | AFTER she sells the ring...THEN call the ins. company and tip them off that the ring has been sold it was rightfully hers to sell and you just want to let them know should a claim surface. |
Lori, is this a feasible option for her? Won't this trigger suspicion in the mind of the insurer about why is she soliciting the claim?
Moreover, I'm curious to know, who is the rightful owner of the ring now since the marriage is no longer valid?
The husband has bought the ring and insured it in his policy, why would he be deprived of his rightful ownership???
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