Quote:
Originally Posted by BrianL99
Have you ever heard of an Auto Insurer not paying an auto claim, because the driver was speeding? What's the difference?
Have you ever heard of a Home Insurer denying a claim, because someone did some electrical work, without a Permit and not being an electrician?
Did you ever hear of a Health Insurer not paying a medical claim, because the person smoked or drank?
I'm sure the above has happened somewhere, under some circumstances ... but it's surely not common.
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Let me tell you a little story about car insurance. An out of state owner of a highly lifted 4 wheel drive pickup decided to drive out on the flats near the Courtney Campbell Causeway at low tide. He got stuck and before a tow truck could get there the tide came in totaling his truck. It was towed to the dealership I worked at. When the insurance adjuster arrived and the owner started to spin his take about why he had driven out onto the mud flats at low tide, the adjuster stopped him and stated "there is no clause in your policy for stupidity not to worry he was covered" so I find it highly unlikely that an insurance company is going to spend time and money to determine if your golf cart was going 22 mph and not 19 when the accident occurred.