Page 20 - Damage Prevention Journal 2017 Issue 3
P. 20

It’ All Ab t th C
S Oll G overa GS. ..
or I Paul For That Lzalnltty Insurance. Why Duln’t It Pay My Clmm?
¥Ko"1‘~§fi‘1'o‘$‘c'§‘.1‘1'.'}“
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11 l1ab|l1ty po11o1o. am uo1 1ho 1a1u11ko1 wo1yo1 o1 Sllbmgalmn, 1a1.1uko1 Let’. o..u111o you do11'1 hm tha1XCU
~amL\ Abwlutzly, def-1n1lcly, Addmunal 111.u1od, 1111 11.1 goo. oh cxclusmn — you're .111 good, nghl?
oo.111yo1y11o1. [’ol|c1L‘~' am And 011 And, by the w.1y,1ho1o'.- a [M W“ an EU, Cm a mm? wan the
gullmg mun: .uoc111o w11h charge for each 1lcm added And, by m u—ml mm? D mm“ , H .0 W
each yc.11 1hu1 11.1....-.-. Pncc shopping 1ho way, 1ho1u'.- 111ypo1.-oua1 iavuntv: 9 b _ *“ Y 3 d V '3 *'
nom agent 1o agent 1. uo1111you1 1111.1 — "|hc company wun’I add a 131.1uko1 Y“ “N “C” 3 5°° “’ 3“
1111o1o.1o11yo1o1o.1auy111gu111u.111111co Wawnr. " wo11, how what? 11yuuz111od1oo111sn111oo111p11duco
olicy u.1 1o gut the 111d 1. gomg V _ ‘ w11h ou1 51.1. 1dw, and ou 1111111111
32 b1o11’v up 111 you1 face 1: thL‘xL"s a 11'“ P°"‘3' 3”“ ”‘°“31“ M‘ Ma?" and git 11111911 in: [he daxzlages (rather
,u.111oc.1o1o much mare cxpo11.11~o
claim you1 bargalrv 111111 blnwll upl),
pohcy wun’I pay 1o1. 11 w111 p1o11d111y
Yuu rcallynced 111 ; .‘ have 111 1.1111. cm! ni
agent who ha. a 1o1 . " . ynur pnckel. Mo.1
cf cu~lomL‘r~ 111.11 do “ .-1u1o. now havc
pmlty muoh what you 1 1 y 1 1u11».- mqulnng that
do A.k1ug .1 incnd _ ,f you call and gm a
o11wo1uyou11111o ‘ - 1  , ,1, ’ 11ckc1. 11 you am
of wo1k 41 evcn .1  ' . -. J‘ - 111 v1o1.111ou of the
compL‘l|mr —whu 1111-11 _<_ . . \ ' - ‘Q ~ law, you1 m~uranCc
agent 1. m1gl\t help ' V 1, 1 Company 11111 vmw
you avcud lcarnmg " l 1111. a. "expected
1ho hard way 11»hy .1u ‘ ' o1 mlcndud,” and
oxoo1~.11o1'. puhcy ho. - , 11opo, 1hoy wan’!
d1no1o111 language _ ' _ pay. Compan1L‘~ are
1ho11 a c.11 <1ou1o1'. ‘ ’ " gcmng mum uud
pohcy. 11’. .111 abou| 1uo1o .-o11.111yc 1o
1ho ooyomgo. 7 1111111 _ . (Imus 1u11».- .1~ tlmy 3111
1. cuvnmd and whu1'. , — ' ’ pu1 ou 1ho hook. .o
excluded (uo1coyo1o111. do11'1ho .u1p11.-o11
co111pu111e.- 1h.11 wntc “ Y"‘" “d“"‘°’ ““‘
.1 who1o now set of
a 1o1o1111o..o 111 111o “mm M W on
buuldmg 11udo.11.1yo .poc1o1 11o111. wlmn you get through paymg 1o. 111o.o h h_ H “ * Y
wnllcn 1u1o 1ho11 11o11o1c.-1ho1.1pp1y1o addmon.1lcovcmg1:~fuxlhatoncyob “ C ‘C “L
what you am dmng 7 11o1 the flowcr hkc 11 all year 1h.11 1.- going 1o rcqum: D1d you mu, but d1g bniurc the
.11op or tax dcalcx down 1ho .11oo1 You lhcm. (No, you can’! remove them later, mqulmd 111111 11.1. up? Nopo —thny
am not paymg extra for 1ho.o coyomgu. mthcr, 11111 $111 a 11-ruud. A1111 11o, you wun’l pay. Same mason. 111.1 wmung
hkn you would 11 you had a 11111 of (hr: d1dn’tpncc[1.1r Lhcm,cIt1\c!, 11111 you’) pL‘r1od1afox .111 or the u111111o. 1o ho
111111 policy 111.1 you had 1o endow: E i h‘ . 1 h _ able 1o 111.1111 1ho11 111111. whom you have
(add! (how: 11oo1. o111o. Thu pmmlllm ‘"1 °““ " ‘ * "“’*‘ ‘"“°“ ‘ ‘"5’ Y"“ mrhcatsd that you w|ll ho d1ggmg so,
1 11.11 h1 her o1u 1u 1:111 ou wou'1 “"‘“‘ ‘° b“ “"“"“‘“'V °“"“‘“ “ ""‘ 1 11 d ' 11 1 11‘ k
m1g\ g g g , y 1vuu1ntaov1lLmt1mntum.1r
co111o111od 111 you1 policy 1. the dmadud —
..1yo anything w11h thc low puccd XCU E I _ B‘ U d d 1ho11 hues and you 1111 Ihcm — get your
model. ’ *1’ °’“’“ “ “‘g‘°““ clmckbuuk (11 you d1g when‘ 1hoy .1111
co11op.o That o1ouu., 11o.1co11y, uo _ _d | b b I ‘ k —d I
When van 3111 .1 ,oh [mm .1 111u,o1 cuveragc fur uxcavahon 11uudo1g1ou1111 “’*“"“ ° C’ “ N“ “" "‘“‘ “ Y‘
— [1ho opo1u11yo wo1d] you Can .oo where
con~truct1on company, they w111 l1nn:~ am damaged. 1: you an dcung I 1 lb _ I d ,, ,‘ Y 7)
mquirc .1 CL‘rlu"1c.1lc of 111.u1u11oo w1111 excavation, yoII'm 11o1 cuvcmd 111h1. ‘ "“$ ‘ “ “P” ° ' ““ 3°“
ccrlam ~pL‘m"1c language, and you w111 Emu.-1o11 1. p1o.ou1. (A1111 1: you1 11 you do 11»ho1 you’IL‘ 1oqu11od 1o do,
11o1 bugm 11»o1k u11111 they get 11 Th1. policy 1. wnttnn through El Cheapo and IF you have .1 policy do.1guo111o1
.poo111o language 1. what you may Company, 111:, 11 111111 doa1111o1y bu 1u what you do, you w111 bc covered. A
have 1o .111d 1o you1 1:1 Clmapu policy 1ho1oz) vw Eccllc 111111 nuvu, nvnr 1u111 1111o .1
Cadfllac at 1ho umc of .1u acndcnl. .
18 E Damage Frevemmn 1/uumal -21117 Issue 5





































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