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#1
posted to rec.boats
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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 |
#2
posted to rec.boats
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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. |
#3
posted to rec.boats
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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. |
#4
posted to rec.boats
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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. |
#5
posted to rec.boats
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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. |
#6
posted to rec.boats
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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." |
#7
posted to rec.boats
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Umbrella policies being gutted by State Farm
"HK" wrote in message ... Last week, the Bush misadministration refused to tighten or even impose inspection standards on the importation of Chinese food and "medicines," They did? It seems to me that the Bush administration came out in favor of inspections. They also issued a new rule last week requiring US exporters to obtain government approval before shipping high tech goods to China that could be used for military applications. Too bad the Clinton administration didn't have that foresight. Of course, they were more interested in renting out the Lincoln bedroom to the highest bidder than they were in protecting our national security. |
#8
posted to rec.boats
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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. |
#9
posted to rec.boats
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Umbrella policies being gutted by State Farm
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#10
posted to rec.boats
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Umbrella policies being gutted by State Farm
HK wrote:
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. Many refuse to recognize it. The administration is about eliminating "unnecessary regulation, which is to say all regulation of big business. The credit card industry managed to gain all control and regulation of its dealings with customers and in the process anyone that has any "contract" with big business. They write unilateral contracts and have the power to change and enforce them. They reserve the right to use our judicial system to enforce them but virtually eliminate the citizen access to redress of our Laws and Courts. The food supply is no longer safe. Adulteration of our foods is now allowed to be labeled all natural and so and so on. Big business has gotten every thing on its dream list in the last several years including unregulated oil industry which operates as a cabal. Their definitional of free trade and elimination of unnecessary government etc is survival of the consumer and citizen in the jungle full of their predation. Caveat Emptor is more relevant today than anytime, in history. Our Republic is seriously wounded. |
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