cmcdar wrote:
It is a falicy to claim that Insurance companies PAY ALL CLAIMS.
My wife was leaving work one day and was backing out of a parking space. At one point she hit a car that was passing by.
A claim was filed against our insurance co. by the other driver.
We were told by our insurance company that the claim was denied because the other driver had a responsibility to attempt to stop.
To assume insurance companies mindlessly pay on any and all claims is just plain ridiculous.
I don't think anyone suggested that insurance pays on every single claim. In your instance, your insurance company made a decision that your wife was not at fault, therefore they declined to play the other person's damages.
However, if your wife was at fault, insurance would have had to pay the claim or mount a legal defense as to why they didn't pay.
That has nothing to do with the vague argument that being 3 lbs overweight will automatically trigger a denial of service from your insurance company... that was what people discussing.