Umbrella policies being gutted by State Farm
 

I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham

Umbrella policies being gutted by State Farm
 

Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham


Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

Umbrella policies being gutted by State Farm
 

"Hamish" wrote in message
ink.net...
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it said,
"The definition of insured is revised so that a person or organization
using an insured's auto, RV or watercraft is no longer covered." So, when
I let a valet park my car, he's not covered. If I loan my car to a friend,
relative, or neighbor, they're not covered. If my ski boat was running -
it isn't right now - and I let a friend drive it to tow me, he's not
covered. (Yes, I know that my "underlying" car insurance covers them up to
the limits of that policy, but those limits are only enough to pay for a
stubbed toe.)

I called my agent and she was totally unaware of the change, and asked me
to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me the
increase in premiums to bring each of my car polcies up to the same limits
that were formerly covered by the Umbrella. An additional $206 per year.
I will pay the money, because I own a home and it is vital that I remain
insured up to a high limit.

I have taken the trouble to write this post because I think that a lot of
other people will fail to read the "Important Notice" (the brochure is 17
pages long), will simply write the check like they do every other year,
and will end up with a big gap in their coverage. And their insurance
agent won't take the trouble to call them or write them a personal letter
telling about the big gap that just opened up in their coverage. So, look
out! And warn your friends.

Ham



1. The valet company should have their own insurance.

2. Don't loan your car or boat to anyone outside your family.

3. Why should the insurance company cover anyone but you and your family?

So what is the big deal?

Umbrella policies being gutted by State Farm
 

"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it
said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked me
to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot of
other people will fail to read the "Important Notice" (the brochure is 17
pages long), will simply write the check like they do every other year,
and will end up with a big gap in their coverage. And their insurance
agent won't take the trouble to call them or write them a personal letter
telling about the big gap that just opened up in their coverage. So,
look out! And warn your friends.

Ham


Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.

Umbrella policies being gutted by State Farm
 

JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it
said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked me
to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot of
other people will fail to read the "Important Notice" (the brochure is 17
pages long), will simply write the check like they do every other year,
and will end up with a big gap in their coverage. And their insurance
agent won't take the trouble to call them or write them a personal letter
telling about the big gap that just opened up in their coverage. So,
look out! And warn your friends.

Ham

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.




Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.

Umbrella policies being gutted by State Farm
 

On Jul 16, 6:15 pm, HK wrote:

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

It's always Bush's fault. Clinton never did anything wrong.

Umbrella policies being gutted by State Farm
 

"HK" wrote in message
...
JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered.
If my ski boat was running - it isn't right now - and I let a friend
drive it to tow me, he's not covered. (Yes, I know that my
"underlying" car insurance covers them up to the limits of that policy,
but those limits are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.


Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.


I think you're on thin ice with this one, Harry. Why should State Farm
insure anyone who has permission to drive your car? 90% of drivers are
blind, dead, drunk or stupid. If they don't know enough to turn in their
keys and kill themselves, it follows logically that they are not capable of
knowing who's competent to borrow their cars.

Umbrella policies being gutted by State Farm
 

JoeSpareBedroom wrote:
"HK" wrote in message
...
JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered.
If my ski boat was running - it isn't right now - and I let a friend
drive it to tow me, he's not covered. (Yes, I know that my
"underlying" car insurance covers them up to the limits of that policy,
but those limits are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham
Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

OMG. You continue to amaze me.

Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.


I think you're on thin ice with this one, Harry. Why should State Farm
insure anyone who has permission to drive your car? 90% of drivers are
blind, dead, drunk or stupid. If they don't know enough to turn in their
keys and kill themselves, it follows logically that they are not capable of
knowing who's competent to borrow their cars.




It has nothing to do with that. It has everything to do with corporate
greed: "... Then, once she called the
underwriters, she still seemed unconcerned. She was happy to
quote me
the increase in premiums to bring each of my car polcies up to the
same
limits that were formerly covered by the Umbrella. An additional
$206
per year."

Umbrella policies being gutted by State Farm
 

Umbrella policies being gutted by State Farm
 

"HK" wrote in message
...
JoeSpareBedroom wrote:
"HK" wrote in message
...
JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always
comes with it said, "The definition of insured is revised so that a
person or organization using an insured's auto, RV or watercraft is
no longer covered." So, when I let a valet park my car, he's not
covered. If I loan my car to a friend, relative, or neighbor,
they're not covered. If my ski boat was running - it isn't right
now - and I let a friend drive it to tow me, he's not covered. (Yes,
I know that my "underlying" car insurance covers them up to the
limits of that policy, but those limits are only enough to pay for a
stubbed toe.)

I called my agent and she was totally unaware of the change, and
asked me to fax her a copy of the brochure. Then, once she called
the underwriters, she still seemed unconcerned. She was happy to
quote me the increase in premiums to bring each of my car polcies up
to the same limits that were formerly covered by the Umbrella. An
additional $206 per year. I will pay the money, because I own a home
and it is vital that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a
lot of other people will fail to read the "Important Notice" (the
brochure is 17 pages long), will simply write the check like they do
every other year, and will end up with a big gap in their coverage.
And their insurance agent won't take the trouble to call them or
write them a personal letter telling about the big gap that just
opened up in their coverage. So, look out! And warn your friends.

Ham
Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

OMG. You continue to amaze me.

Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.


I think you're on thin ice with this one, Harry. Why should State Farm
insure anyone who has permission to drive your car? 90% of drivers are
blind, dead, drunk or stupid. If they don't know enough to turn in their
keys and kill themselves, it follows logically that they are not capable
of knowing who's competent to borrow their cars.


It has nothing to do with that. It has everything to do with corporate
greed: "... Then, once she called the
underwriters, she still seemed unconcerned. She was happy to
quote me
the increase in premiums to bring each of my car polcies up to the
same
limits that were formerly covered by the Umbrella. An additional
$206
per year."



Then, the OP should've immediately called around to other agencies for
quotes. And, if he took his business elsewhere, he should've faxed a copy of
the new policy to the underwriter, just to needle her. "Here's what you
threw away, asshole...."