Let me say this to ALL. I would rather not STATE the name in case I decide
to take the issue to court.

CF
"Paul Schilter" paulschilter@comcast,dot,net wrote in message
...
Capt.
Which company are you insured with?
Paul

"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost
299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!

"Capt Frank Hopkins" wrote in message
hlink.net...
Let me say this to ALL. I would rather not STATE the name in case I decide
to take the issue to court.

Hi Frank: It's a good idea to STATE the insurance company name because ALL
of us here in the group will know where not to place their insurance. I am
so sorry to hear of the loss that you have had over your insurance companies
lack of compassion. ALL STATEments made, by us, to you over this loss,
carry our sympathies to you.

James D. Carter, Captain GLCC
"The Boat"
Bayfield

Jim,
ALL STATEments? Damn why didn't I think of that. Good one.
Paul

"Jim Carter" wrote in message
le.rogers.com...

"Capt Frank Hopkins" wrote in message
hlink.net...
Let me say this to ALL. I would rather not STATE the name in case I
decide
to take the issue to court.

Hi Frank: It's a good idea to STATE the insurance company name because
ALL
of us here in the group will know where not to place their insurance. I
am
so sorry to hear of the loss that you have had over your insurance
companies
lack of compassion. ALL STATEments made, by us, to you over this loss,
carry our sympathies to you.

James D. Carter, Captain GLCC
"The Boat"
Bayfield

On Sat, 07 Feb 2004 13:10:07 GMT, "Capt Frank Hopkins"
wrote:

Let me say this to ALL. I would rather not STATE the name in case I decide
to take the issue to court.

================================================

I had a similar experience on a sailboat in another STATE and would
never FARM out my business to them again. It's my opinion that none
of the "STATES" do a good job with boat insurance. Much better to go
with a marine "all risks", "stated value" policy in my opinion. At
least you'll get an adjustor who knows something about boats and their
equipment.

Thanks to this thread, I called my Nationwide agent. I asked if they offer
both Actual Cash Value and/or Replacement Cost coverage. They do NOT offer
Replacement Cost Coverage but offered to refer me to another company that
did. The bottom line is, most of us, even though we've been insuring things
for dozens of years, have no idea what coverage we really have or do not
have.

I had my neighbor's tree get hit by lightening a few years ago, It blew out
lots of electronic items in my summer cottage, even my computer/printer etc.
They covered most all of it up to the $4,000.00 or so limit of the policy. I
guess I was lucky, since the losses were pretty close to the policy limits.
RichG

Capt.
Understood. :-) When I first started driving many, many years ago a lady
side swiped my car. Just put a little crease in the right side. I shopped
around for estimates to repair it. I actually shopped around for the best
price, stupid me. Well I went in to her insurance company in my STATE and
presented my estimates. They were ALL ready to pay the claim, the agent went
to get the check book. On returning he asked what my deductible was with my
insurance company was (AAA). I believe it was like $250. Well since the
damage on one of the estimates was for just under $250, he closed the check
book and stated that they weren't going to pay anything. Asking why, he said
that my claim wasn't above my deductible so my insurance wouldn't be
involved and that if I wanted by money I'd have to sue them on my own,
tough. Well I learned a lesson that day, you get as much justice as you can
afford. Ever since that day I'll never have ALL STATE Insurance. There, I've
said it! They can sue me if they don't like it.
Paul
"Capt Frank Hopkins" wrote in message
hlink.net...
Let me say this to ALL. I would rather not STATE the name in case I decide
to take the issue to court.

CF
"Paul Schilter" paulschilter@comcast,dot,net wrote in message
...
Capt.
Which company are you insured with?
Paul

"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary,
I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost
299.00
99.60
tools not covered
Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost
45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and
what
is
not!

"Paul Schilter" paulschilter@comcast,dot,net wrote in message
...
..Ever since that day I'll never have ALL STATE Insurance. There, I've
said it! They can sue me if they don't like it.
Paul

Paul, if you were the Allstate insured, who actually had a contract with
them (you didn't in this case), I'd say they did just fine by you, their
client. They are supposed to defend the insured from litigation &
damages... and they can settle in lieu of suit. It worked against you! All
you had to do was go to small claims court.

The problem I'm having now with my insurance company is that I'm losing
confidence in their abilty to defend... they are too often too quick to
settle. I'm shopping...

Rob
*
*
*

Rob,
No argument here, they did the expedient thing by their client but they
didn't do the right thing. As far as small claims court, I don't remember if
they had them 36 years ago. :-) I was 20 and couldn't afford to peruse they
matter due to lost time at work. They knew it would cost me more than I
would get, so to save a small amount to them, they cost me a large amount
for me at the time. Yes they broke no laws but IMHO they were morally wrong.
I believe it's a policy that you unfortunately see far too much of today,
Too many people want to do just enough to get by than do as much as they
can. Perhaps it greed.
Paul

"Trainfan1" wrote in message
...

"Paul Schilter" paulschilter@comcast,dot,net wrote in message
...
.Ever since that day I'll never have ALL STATE Insurance. There, I've
said it! They can sue me if they don't like it.
Paul

Paul, if you were the Allstate insured, who actually had a contract with
them (you didn't in this case), I'd say they did just fine by you, their
client. They are supposed to defend the insured from litigation &
damages... and they can settle in lieu of suit. It worked against you!
All
you had to do was go to small claims court.

The problem I'm having now with my insurance company is that I'm losing
confidence in their abilty to defend... they are too often too quick to
settle. I'm shopping...

Rob
*
*
*