Lori wrote: In this case, of course coverage is there.

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Nov 21, 2008 3:35 am   Post subject:   

Last comment unless I'm challenged again. Wink By the way, I love a challenge...BRING IT. ExclamationExclamation



Lori wrote:



Quote:
In this case, of course coverage is there...now after the claim is paid..that insured is in for a surprise, get canceled, get rid of the dog or both..then good luck on paying those new premiums buddy...




Again, right on target. 99% of the time when an insured has a dog bite claim, the insurer will, if they're still within their underwriting investigation period, simply cancel the policy. The insurer will, of course, have to cover the loss, but that's the end of the ballgame. Insurers normally have (depending on state) 60 days after initial issue or renewal to "get off the risk." On an annual HO policy period, that means that in most cases the insurer, after the first 60 days, cannot get off the risk unless they can prove fraud/material misrepresentation in the app. The insurer investigates and pays the claim, and in the meantime the insured gets cancelled.



If the policy has been in effect past 60 days, the insurer is pretty much stuck on the risk until renewal, unless the policy lapses for non-pay. Then the insured is freakin' and needs to get new coverage after they've been cancelled or non-renewed. They start calling around for quotes, and find that for some reason every agent they speak with asks them "Have you incurred any losses within the last 3 years? Good agents won't ask it that way. Good agents would phrase it in a manner that can elicit a lot more information from the applicant. Something like "tell me about any losses or situations that involved your insurance company over the last 3 years."

The insured also is asked if they've been cancelled or non-renewed. Shocked



So, the insured is honest, and tells the agent about the dog bite thing. Every agent she talks to, right at that point, tells her the same thing- "I'm sorry, there's nothing I can do for you." I don't know of any mainstream carriers that will TOUCH an insured with a recent dog bite liability claim. There are exceptions to that statement, of course. Some carriers will work with the insured if they are a historied customer (15+ years and no losses kind of thing) and they get rid of the dog, or have a boatload of other business with the carrier on the books.



Continuing...One of the agents, however, knows about surplus lines insurance coverage, Shocked and hooks her up with a non-admitted carrier that will issue policies for "claim-challenged" insureds- for twice the premium and half the coverage. Commonly, these "off-the-board" policies don't provide liability coverage either, or charge a fortune for the coverage. Most consider it an endorsement. For any of you that have worked with surplus lines carriers and contracts, it's pretty cool, isn't it? Question Definitely an awakening for the novice, these carriers insure some pretty weird stuff.



Hey Lori- got another challenge? I feel ornery Very Happy I'll stop babbling now...



InsTeacher Cool







On the other hand:
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Fri Nov 21, 2008 11:26 am   Post subject:   

Quote:
Hey Lori- got another challenge?
ah dude, I seriously wasn't trying to challenge you in any way...just like playing 'what if'...ha ha...aren't you thrilled to pieces you never had me in a class!! Shocked



No think I'm done with this one...no wait one more....so agent somehow keeps insured from getting canceled...they get rid of dog...actually this used to be quite common in my area, dog bite...ins ordered to get rid of dog by carrier or policy will non-renew, they of course got rid of the dog..ok, so this happens, they keep their policy...then a few years go by they decide, they will get a nice dog, maybe something sweet like a toy poodle (cause they never bite ShockedRolling Eyes )...and gues what ? yep it bite the neighbor kid that is over playing with junior...coverage? claim paid?


_________________

"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.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sat Nov 22, 2008 3:54 am   Post subject:   

Quote:
ah dude, I seriously wasn't trying to challenge you in any way...just like playing 'what if'...ha ha...aren't you thrilled to pieces you never had me in a class!!




I like "what if's." Makes ya think. As far as having you in one of my classes, that could be interesting. Something tells me that it might be kinda fun. OK, onto the question. I'll get to why in a sec, but again- I think this is on the agent.



Your premise is solid:



Quote:
they of course got rid of the dog..ok, so this happens, they keep their policy...then a few years go by they decide, they will get a nice dog, maybe something sweet like a toy poodle (cause they never bite )...and gues what ? yep it bite the neighbor kid that is over playing with junior...coverage? claim paid?




If the carrier and agent have done their jobs when the insurer agreed to maintain the coverage, this should't be an issue. In addition to making the owners get rid of the dog, most will attach an exclusion as well. It's pretty much up to the agent to let the client know if this occurs, and the company will, of course, send notice in the mail. BUT Arrow no exclusion attached to the contract means if doggie bite, insurance company pay. Sad



Finally, I have to say this:



Quote:
maybe something sweet like a toy poodle (cause they never bite)




Rolling Eyes Those little yap mongrels cause more problems than people imagine. Most people think that toy poodles are harmless little balls of fluff. They are, until they get perturbed. They can inflict some nasty wounds..I've seen a couple of claims for them. Insurers will normally tolerate those "poor excuse for a dog" dogs, but barely. Give me a real dog anyday. Rolling Eyes



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Sat Nov 22, 2008 12:27 pm   Post subject:   

Quote:
Those little yap mongrels cause more problems than people imagine. Most people think that toy poodles are harmless little balls of fluff. They are, until they get perturbed. They can inflict some nasty wounds..I've seen a couple of claims for them. Insurers will normally tolerate those "poor excuse for a dog" dogs, but barely. Give me a real dog anyday.


My post somehow lost my 'eye roll' Rolling Eyes by they 'cause they never bite' comment...I know they are one of the top ten in biters....



But of course you are correct...we'll be paying that claim again...unless when the company agreed to keep them they had them sign a dog bit exclusion....which I've personally never seen...doesn't mean they don't exsist, I've just not seen them....



I had three claims with one mail many, in two years at three different insured's homes...poor guy...i wondered (and checked) if he wasn't playing the insurance lottery but he wasn't just reallllllllllllllly bad luck, or dogs hated him..


_________________

"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.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Mon Nov 24, 2008 10:30 am   Post subject:   

This has been a really interesting post. I have been following it. I can imagine a teacher if you were both in his class. LOL. I kind of feel bad for the mailman..poor guy. I guess they probaly would have to get use to that being in their profession.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Sun Jun 23, 2019 12:05 am   Post subject: Asiame.COM  

Help me plan a fun date in SF bay area



2 new bowling hangouts just opened up, assignment Bowling and Lucky Strike, Which have food bowling and versus, But are not worth driving into the city for.



this article has a few good ideas as well



circulated by mokudekiru at 12:14 AM in April 23, 2012



Nevermind, That's closed Mondays and saturdays. Super duper romantic if you bypass sunset.



submitted by evalunatik at 12:16 AM towards April 23, 2012



The Albany light bulb, I've recommended to mefites several times now, Desperately hoping that someone will avail themselves of the awesomeness before it goes away asiaME forever.



It meets your criterias of fun, involved, And using walking but not hiking.



your event may have your romantic walk on the beach there, And also see a bunch of important art and installations.



Please be the person who finally heeds my advice and goes. if you do not totally dig it I'll eat my hat (I know I have one around here a place.)



shared by parrot_person at 2:16 AM on the subject of April 23, 2012 [2 preferred]



1) 32nd and washington dc (One bus from in town) To area Chalet (For drinks/bar food) Via Lands End along with the beach.



2) Stairway Walks in san fran is a brilliant date book. And if things perform, Something fun you can perform together. there's one near Lower Nob Hill that is amazing. through the hidden ponds, Shit seems like Narnia.



3) Here's a list of things to do in SF with a few recommendations [XLS]. darkness.



a little while outing? Heck avoid. Because it's on the lake, much of it stays lighter longer. possibly, all "desolate" People who live there isn't any real more AsiaME dangerous than anyone with a standard home. They just happen to live there instead of apartments or houses. I would hate regarding to miss the Bulb based on fears of homeless people or lack of a flashlight.


_________________
Register Now to have your Insurance queries solved.
Walteracusy
Guest







PostPosted: Fri Jun 28, 2019 1:41 am   Post subject: russian chat  

a family nuptials about distress that has a billionaire



one of the many wealthiest a lot of women all over the world ought to this week make known how a miserable spousal relationship to some other Saudi regal families advisor drove lady's to despression symptoms not to mention tested destruction.



Mouna Ayoub, what people correct now existence shut rome, separated Amir ing Tharik, A billionaire Saudi n entrepreneur, back in hot russian girls 1996. she's got which previously been reviled at the center far east as girls that may hitched for the money and separated the ex his conversation to be able to throw away the size of his large amounts of money a great deal more liberally.



adhering to personal data together with your woman elaborate model by nations use scandalised my Saudi elites embarrassed mr Tharik. anywhere from thursday, in france they criminal court, that also the many Lebanese style as being collectors' associated french haute premium, Will have the opportunity to judge the 43 year old Ms Ayoub in their own business.



lumber is often protests with regards to your woman lost love husband, a particular agent to be able to ruler Fahd, so, who was released a court docket condition preservation should their own e book, A questionable life story by means of microsoft Ayoub has been to be published on 21 June. each of our small, 230 page degree, eligible los angeles Vrit [reality], is usually ferocious step to microsoft Ayoub's detractors in between distance, in which she is mostly pictured around the your media as nothing but a top quality prostitute.



but also a vehement stop on her past relationship groom fantastic state, Saudi persia. this person blogs: "People do not understand. people say that we was covered with insurance through necklaces as jewels wedding outfits cars. it is true. however when you are discarded while a the world, all of wealth around the world definitely would not be all you need. i thought i was different to other young ladies over Saudi persia as was russian mature women the little major confuse,



microsof company Ayoub been aquainted with your woman's hubby if you are lady must have been 18 yrs. old and one waitress for rome. constructed in a luciano Lebanese family unit, A ongoing fascination with haute couture has enticed the woman's to in france they main inside Seventies. mister ing Tharik used to be 20 numerous further along in years and a powerful n entrepreneur in freshly fish oil good Saudi arabic.



on the second satisfying, mr al Tharik offered master of science Ayuob 50 and what kind to visit optimum hair stylist in paris, europe,. a few months later on,the future he required jane's that will help marry your ex boyfriend. taking full her mounting number of Chanel in addition to the street Laurent dresses with her, microsof company Ayoub, chances are a meaningful muslim convert, attached your wife's creative man in Riyadh in 1978. to be able to microsoft Ayoub, most of the ethnic heritage surprise held up regarding 20 lengthy where the particular "rarely ever closed moping and crying,



bad manners for visiting the movie theater, pressured to wear a veil in addition to rapped the actual knuckles on orlando law for disclosing an bicep program of Ramadan, as an alternative to bride languished in the enormous building built for her according to her partner. this woman publishes: "I what food was in a home, A gdroppinglded home wherein seemed no one to generally be used unjustly and after that weak.



"I was given distinct extravagant apparel to collected a substantial assortment of jewels, but probably I was only choosing my favorite black arabic cloak nicely veil. on one side, never,no luxury must have been turned down us all. alternatively, I needed consistently protect us gone, ever on a go to international, your humiliations were originally countless. during one example the actual Eighties, microsof company Ayoub had been to hackney with your girlfriend life partner who was a member of a Saudi delegation on account of have your dinner with maggie Thatcher.



microsoft Ayoub recounts: "exactly who event I you may spend great reign shower myself ascending. I pull on a Chanel lawsuit and as well continued to wait. my husband wondered: "exactly will you be going? since when carry Saudi wives or girlfriends progressed around with regards to their partners? whether england, the country, maybe somewhere else, Saudi female counterpart the home,



for my child first obtain a divorce, milliseconds Ayoub's boyfriend, business believed the length of his darling of having an affair, cautioned the woman's which your fine due to ladies cuckoldry appearing in Saudi persia been recently fatalities. the dark your had very good overdose at Valium. "I wanted to end gaming. I wished to leap inside of nothingness, your girl recalls.



surfacing because of hospital correct after three days, she says she were to become endlaved by Prozac or contra - depressants and started to turn her attention to amassing her very own fortune and achieving her escape. she contributes: "normally stumbled on Saudi arabia to do certainly not making use of. So i thought it was a shame turn out to be high and not only just gather amount of my personal. currency already been the magic formula to forthcoming future relief,



in putting up for sale the few gems and planning weekly product sales from the objects that do your spouse husband's comments purchased other countries, milliseconds Ayoub hurriedly was powerful loads of to invest seriously in us citizen options and stocks. throughout 1995, since two endeavours at spliting up, your lover authored instructions that will the lady's life partner statement, "union one is more opinion versus secret aircraft and moreover luxury boats, on top of that seemed to be and finally divorced.



without hesitation based mostly on shut paris, france, your mom all too often enhances an accumulation more than 1,000 builder garments and in addition partcipates in rare charitable organisations carry out. calculating your woman's lot at apparently 300 million, your own attributes her plethora on the careful property investment of clinking coins made up of weekly "rummage sales" all the way through Riyadh. microsoft Ayoub replies which will your daughter invented la Vrit as an action involved with catharsis and when a request with regard to insight to successfully your partner's a child.



she or he wanted to say: "The media in the centre eastern indicates lose a way to describe others when you're a deceitful wife concerning wobbly morals. my husband informs me I left over Saudi persia with a lot that will not are members of me. for the health of very own teenagers, i won't permit them serve available the venom.


_________________
Register Now to have your Insurance queries solved.
Keithlen
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2
Page 2 of 2


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused