Download What Do You Mean Not Covered-1 PDF

TitleWhat Do You Mean Not Covered-1
LanguageEnglish
File Size2.3 MB
Total Pages820
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Document Text Contents
Page 1

title:
What Do You Mean It's Not Covered? : A
Practical Guide to Understanding Insurance
in a High Risk World

author: Walsh, James.
publisher: Silver Lake Publishing

isbn10 | asin: 156343072X
print isbn13: 9781563430725
ebook isbn13: 9780585044170

language: English

subject
Insurance--United States, Consumers--
United States.

publication date: 1995
lcc: HG8531.W35 1995eb
ddc: 368/.973

subject:
Insurance--United States, Consumers--
United States.

Page 2

"What do You Mean It's Not Covered?"
A Practical Guide to Understanding Insurance in a High

Risk World

By James Walsh
and The Merritt Editors

Merritt Publishing, A Division Of The Merritt Company
Santa Monica, California

Page 410

"Most companies, including State Farm, had a figure under which
they wouldn't bother to even question a claim," says a former State
Farm investigator. "In most cases, that was about $5,000 although it
can vary with different adjusters."

Although an insurance company may see a pattern of suspicious
claims handled by certain attorneys or physicians, it has to treat each
claim individually or face charges of bad faith.

Limits to Your Right to Sue the Company

Legal Action Against Us

A. No legal action may be brought against us until there
has been full compliance with all the terms of this
policy. In addition, under Part A, no legal action may be
brought against us until:

1. We agree in writing that the "insured" has an
obligation to pay; or

2. The amount of that obligation has been finally
determined by judgment after trial.

Page 411

Page 205

B. No person or organization has any right under this
policy to bring us into any action to determine the
liability of an "insured."

No person, insured, or claimant has any right to sue the company until
the company has agreed in writing that the insured has a legal
obligation to pay the claimant, or a Judgment against the insured has
been made after a suit. No one has a right to take legal action against
the insurer in order to determine your liability. The company's
obligation is to pay on behalf of the insured, not to take your place in
a lawsuit.

The Company's Right to Sue Almost Anyone

A. If we make a payment under this policy and the
person to or for whom payment was made has a right to
recover damages from another we shall be subrogated to
that right. That person shall do:

1. Whatever is necessary to enable us to exercise our
rights; and

2. Nothing after loss to prejudice them.

However, our rights in this paragraph (A.) do not apply
under Part D, against any person using "your covered
auto" with a reasonable belief that that person is entitled
to do so.

B. If we make a payment under this policy and the
person to or for whom payment is made recovers
damages from another, that person shall:

1. Hold in trust for us the proceeds of the recovery; and

2. Reimburse us to the extent of our payment.

Page 819

summer house 18, 19, 42, 111

supplementary payments 170

surface water 46, 114

surrender 337, 348, 377, 378, 380-383, 385

349

. 276

swimming pool 33, 36, 46, 50, 103, 107, 114, 117, 230, 231, 232, 234

sworn statement of loss 63, 128

T

tangible 19, 67, 162, 217, 246, 251

technicality 156, 263, 290

tenants (roomers, boarders) 11-13, 24, 28, 42, 70, 89, 91, 100, 104,
132, 133, 149, 166

tenants-by-the-entirety 15

term addition 369, 380

termination 96, 98, 159, 173, 206, 207, 265, 266, 270, 272, 285, 303,
304, 326, 354, 365, 366, 367, 383

152

theft 23, 29, 30, 35, 36, 41-43, 45, 47, 54, 84, 87, 102, 107, 110, 137-
146, 148-153, 164, 191, 193, 194, 198, 199, 201

Broad Theft Coverage endorsement 137, 141, 151

Limited Theft Coverage endorsement 137

theft coverage 43, 87, 137, 143-145, 151, 153

Page 820

third party 32, 79, 83, 210, 237, 256, 262, 334

Thomas v. Principal Financial Group 341

tickets 22, 95, 146

time limit 82, 156, 236, 272, 275, 288, 294

title 54, 121, 166, 275

tort lawsuits 213

traffic law violations 170

trailer 52, 70, 71, 115, 149, 150, 177, 178, 185, 186, 188, 192, 200,
222, 223, 240

trees, shrubs and other plants 29, 102

trial costs 78, 233

trophies 23, 146

trustee 63, 80, 128, 245, 259

Tyler v. Nationwide Mutual Insurance Co. 181

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