Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 10 hours ago, Lacessit said: Unless the policy specified the traveler could not drink alcohol while insured Policies do not state that the insured cannot any drink any alcohol, they have exclusions for being drunk and that contributing to the accident, in this case she was, apparently, "heavily intoxicated".
Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 8 hours ago, The Fugitive said: I guess the yardstick should be; 'Would a reasonable person have fallen in that way if they hadn't been intoxicated?' Perhaps the yardstick should be, "Would a reasonable person have fallen in that way if they hadn't been as heavily intoxicated as she was?" 1
Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 8 hours ago, BritManToo said: And there appears to be no evidence that she was drunk. Falling off a non-existent step is something anyone could do Well, you haven't been provided with any evidence that she was drunk (but then you're not a party in this case). The insurer claims that she was heavily intoxicated. Falling off the deck was something that this woman did, drunk, whether anyone else would do the same is irrelevant. 1
Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 5 hours ago, BritManToo said: Having a few drinks and walking around are absolutely the most basic of normal holiday activities. Is getting "heavily intoxicated" absolutely the most basic of normal holiday activities? 1
Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 5 hours ago, arick said: The insurance companies can say anything have you read the clauses they can turn around and say that she was doing something dangerous and she shouldn't have been one meter high on a balcony with no railing anyway she should be okay it's just a blunt head injury to the skull at least she wasn't in the motorcycle accident B0ll0cks, she was pissed, heavily intoxicated, that's the relevant part and the reason that her policy was voided. 1
Liverpool Lou Posted June 21, 2023 Posted June 21, 2023 1 hour ago, Pouatchee said: where does it say she was drunk? the full report says she had consumed alcohol... The full report says that the insurer stated that she was "heavily intoxicated". 1
ubonr1971 Posted June 21, 2023 Posted June 21, 2023 14 hours ago, AhFarangJa said: COVERMORE INSURANCE......mentioned in the video................can we spread it around or is that against Forum rules, Apologies if it is. In late 2000 I put a claim in at a private hospital for usd60k and they paid it. Looks like they have changed their tune. Used to be a good insurance company.... 1
ubonr1971 Posted June 21, 2023 Posted June 21, 2023 6 hours ago, Fat is a type of crazy said: I think she is hideously unlucky that she had a bad accident in these circumstances however if she was heavily intoxicated, as against a few drinks, the insurance company has a point. Covermore actually has a good reputation in Australia and I have personal experience of a friend having a claim in Thailand as it happens and they were nothing but helpful and paid up. They paid up for me 10 yrs ago or more. USD60k included private medivac plane. 1
Pouatchee Posted June 22, 2023 Posted June 22, 2023 11 hours ago, Liverpool Lou said: The full report says that the insurer stated that she was "heavily intoxicated". i must have missed that. i never go read the full story link but this time i did... and did not see she was heavily intoxicated. i dont know how i feel about this update. i had issues with bluecross or whatever they are named now over 500bht, so i have trouble cheering for the insurers. from your post liverpool lou, you seem totally for insurance companies and i dont get why. was she heavily intoxicated or not i dont know and how did they figure that? insurers can turn around and decide that even if someone is not over the legal limit that they wont pay and it becomes the insurees burden to prove they were not, which is impossible. @Liverpool Loui am one of the few who keeps defending house insurance. i guess until i have an issue with it i will remain kind of on the fence. 1
Liverpool Lou Posted June 22, 2023 Posted June 22, 2023 43 minutes ago, Pouatchee said: i never go read the full story link but this time i did... and did not see she was heavily intoxicated "...did not see she was heavily intoxicated". Watch the video! You'll see it there.
FritsSikkink Posted June 22, 2023 Posted June 22, 2023 21 hours ago, BritManToo said: I would say yes, as it's normal behaviour when on holiday. And there appears to be no evidence that she was drunk. Falling off a non-existent step is something anyone could do (drunk or not). They admitted drinking 10 long Island Ice teas. She will be drunk after a few of those. 1 1
Liverpool Lou Posted June 22, 2023 Posted June 22, 2023 45 minutes ago, Pouatchee said: from your post liverpool lou, you seem totally for insurance companies and i dont get why. I have no reason to be against insurance companies which, overall, pay out in excess of 90% of all claims (there are industry statistics that are easily found that confirm that), but I am 100% against unsubstantiated claims from AN posters who, without any rational reason or empirical evidence, slag off the insurers in general (and specifically, in this case) by referring to them as "scumbags who do anything they can to deny claims" just because they do not entertain claims for circumstances that are not covered in the policy the customer signed up for. Maybe someone could explain to me why they should? 1 1 1
PremiumLane Posted June 22, 2023 Posted June 22, 2023 18 hours ago, Ralf001 said: Its was the person I qouted that reckons the insurance company should be named and shamed for upholding the terms and conditions of their policy. Go have a cry to him. There seems to be only one person crying in this topic - "Won't someone think of the poor insurance companies!" 1 1
arick Posted June 22, 2023 Posted June 22, 2023 13 hours ago, Liverpool Lou said: B0ll0cks, she was pissed, heavily intoxicated, that's the relevant part and the reason that her policy was voided. I think maybe you're intoxicated because you don't understand what I'm saying I'm stating clearly on the terms of any travel insurance your policy can be deleted for any reason 1 1
arick Posted June 22, 2023 Posted June 22, 2023 27 minutes ago, Liverpool Lou said: I have no reason to be against insurance companies which, overall, pay out in excess of 90% of all claims (there are industry statistics that are easily found that confirm that), but I am 100% against unsubstantiated claims from AN posters who, without any rational reason or empirical evidence, slag off the insurers in general (and specifically, in this case) by referring to them as "scumbags who do anything they can to deny claims" just because they do not entertain claims for circumstances that are not covered in the policy the customer signed up for. Maybe someone could explain to me why they should? Exactly if you take time and look at the 10 page terms and a conditions of any travel insurance they can exclude you and delete you for any bloody reason you don't need to be intoxicated you can be in a dangerous position one foot above the ground and they can say that that's a dangerous condition so these other people that slag me off saying I'm talking b******* and they need they haven't grown up yet 1 1 1
bignok Posted June 22, 2023 Posted June 22, 2023 https://www.insuremytrip.com/travel-insurance-plans-coverages/alcohol-exclusions-and-your-travel-insurance-plan/#:~:text=Does Travel Insurance Cover Alcohol,a part in the incident. Be careful drinking 1
bignok Posted June 22, 2023 Posted June 22, 2023 34 minutes ago, Liverpool Lou said: I have no reason to be against insurance companies which, overall, pay out in excess of 90% of all claims (there are industry statistics that are easily found that confirm that), but I am 100% against unsubstantiated claims from AN posters who, without any rational reason or empirical evidence, slag off the insurers in general (and specifically, in this case) by referring to them as "scumbags who do anything they can to deny claims" just because they do not entertain claims for circumstances that are not covered in the policy the customer signed up for. Maybe someone could explain to me why they should? You are right. 1 1 1
Liverpool Lou Posted June 22, 2023 Posted June 22, 2023 19 minutes ago, arick said: Exactly if you take time and look at the 10 page terms and a conditions of any travel insurance they can exclude you and delete you for any bloody reason you don't need to be intoxicated you can be in a dangerous position one foot above the ground and they can say that that's a dangerous condition B0ll0cks...unless you've got something empirical showing that to be the case. Insurers cannot "exclude you and delete you for any bloody reason" [sic] once the policy (contract) is signed and in force unless those reasons are included in the policy conditions or unless the policy holder has contravened any other conditions. The bottom line is, if you don't like the bloody (to use your word) policy conditions, don't buy the bloody policy. 1
digger70 Posted June 22, 2023 Posted June 22, 2023 14 hours ago, The Fugitive said: That's interesting thank you. I know that in the UK there is a shared insurer's database. Presumably, same would apply in Australia? I don't know if that is ,I had no problem insuring the new car with an other insurer. No questions asked. 1
Ralf001 Posted June 22, 2023 Posted June 22, 2023 43 minutes ago, PremiumLane said: There seems to be only one person crying in this topic - "Won't someone think of the poor insurance companies!" Crying by those who think the insurance companies should ignore their terms and conditions the customer agreed to and if they do not they should be named and shamed.
KhunLA Posted June 22, 2023 Posted June 22, 2023 1 hour ago, Liverpool Lou said: I have no reason to be against insurance companies which, overall, pay out in excess of 90% of all claims My experience has been completely different (not travel ins, never had), but homeowner's & health ins. (private health, workman's comp & SS) I had to sue, more than of few times (& won) before receiving rightfully deserved payment. Auto ins. being the only one paying promptly when claim submitted. Had to sue every other (1 homeowner claim was honored) for claims submitted, for home & health coverage they refused to pay. 1
Liverpool Lou Posted June 22, 2023 Posted June 22, 2023 14 minutes ago, KhunLA said: My experience has been completely different (not travel ins, never had), but homeowner's & health ins. (private health, workman's comp & SS) I had to sue, more than of few times (& won) before receiving rightfully deserved payment. Auto ins. being the only one paying promptly when claim submitted. Had to sue every other (1 homeowner claim was honored) for claims submitted, for home & health coverage they refused to pay. You'd, unfortunately, be one of the tiny 10% or less minority that is not representative of the industry , in general, then. 1
KhunLA Posted June 22, 2023 Posted June 22, 2023 10 minutes ago, Liverpool Lou said: You'd, unfortunately, be one of the tiny 10% or less minority that is not representative of the industry , in general, then. My fellow co-workers, peers & friends all seemed to have had the same problem. I guess we are the total of that 10%. Our experiences ... YMMV
tigerfeet Posted June 22, 2023 Posted June 22, 2023 On 6/21/2023 at 12:23 AM, hotchilli said: Name and shame the insurance company. Once they are publicly known I hope they lose thousands of customers. Unfortunately they won't loose out as they will just move on the people who loose are the employed as they loose jobs and the rest of us pay more for insurance.its a no win world for the sheep .
arick Posted June 22, 2023 Posted June 22, 2023 14 hours ago, bignok said: You are right. Sounds like you work for Lloyd's in London
jacko45k Posted June 22, 2023 Posted June 22, 2023 On 6/21/2023 at 12:10 PM, Neeranam said: Should insurance companies pay for people who do something when drunk? Should insurance companies be taking premiums and expecting people not to drink when on vacations? If sleeping it off and the hotel ceiling collapses on me, I would hope to be covered.
itsari Posted June 23, 2023 Posted June 23, 2023 On 6/21/2023 at 2:22 PM, WHansen said: Brutal More racist I would say
itsari Posted June 23, 2023 Posted June 23, 2023 30 minutes ago, jacko45k said: Should insurance companies be taking premiums and expecting people not to drink when on vacations? If sleeping it off and the hotel ceiling collapses on me, I would hope to be covered. Covered in dust at least 1
Neeranam Posted June 23, 2023 Posted June 23, 2023 2 hours ago, jacko45k said: Should insurance companies be taking premiums and expecting people not to drink when on vacations? If sleeping it off and the hotel ceiling collapses on me, I would hope to be covered. What if an alcoholic drives/crashes a car when not drinking as he has DTs? Obviously they can't check everyone's mental state.
jacko45k Posted June 23, 2023 Posted June 23, 2023 1 minute ago, Neeranam said: What if an alcoholic drives/crashes a car when not drinking as he has DTs? Probably covered in weasel clause 13b.
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