how can i claim for new sofas?
i purchased insurance to cover accidental damage, my cousin burnt the sofa with hair straightners but the insurance company wouldnt pay coz its neglect. what excuse can i use to claim new sofas?
Well, you aren’t going to be able to find a "new excuse" for a claim. This incident is already carved in stone in your file, and if you come up with a new "excuse," you are going to be red-flagged as trying insurance fraud — which could cancel your policy or increase your rates. Insurance companies can be real ba$tards.
Bear in mind insurance companies don’t want to hand out claim money, so it is likely you got an auto-reject. Stand firm that your cousin ACCIDENTALLY burned the sofa with chemicals — she ocould not control the drip, she didn’t realize it, etc. — but she did not NEGLECTFULLY do it. Nor did you not neglectfully do it. Neglect implies doing something on purpose, or having knowledge sufficient to realize it was neglect. Does your cousin live with you and does she part of the insurance claim? If she was just visiting, then it was not your neglect, and you consider it an accident. Get a statement from your cousin. You may have to push the issue a few times. However, whatever you do, do not try and clam another reason — or excuse — to get new sofas, or that will be really, really bad news, and any claim for your sofas will be labeled an insurance scam.
If it comes down to the insurance company not giving in, and not worth an attorney, get some nice slip covers and start shopping for a new insurance company.
December 30th, 2009 at 3:29 pm
First of all, insurance companies will always try and wriggle out of their responsibilities the first time of asking. Try again, say it was an accident not neglect and demand they pay up or you will go to the ombudsman.
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December 30th, 2009 at 3:49 pm
you cant, insurance is a scam.
put phone down and the battery shorted, causing the burns.
you could try that, since they will probably want to come and see the damage.
but i’m 99% sure what ever you say you will never get a penny out of them, just keep paying them!!
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December 30th, 2009 at 4:35 pm
your cousin burnt your sofa with her straightners
if your cousin burnt then she should replace
and trying to scam the insurance is an offence,and it is neglect .As Judge Judy would say you get ZIPPO
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December 30th, 2009 at 5:00 pm
Well, you aren’t going to be able to find a "new excuse" for a claim. This incident is already carved in stone in your file, and if you come up with a new "excuse," you are going to be red-flagged as trying insurance fraud — which could cancel your policy or increase your rates. Insurance companies can be real ba$tards.
Bear in mind insurance companies don’t want to hand out claim money, so it is likely you got an auto-reject. Stand firm that your cousin ACCIDENTALLY burned the sofa with chemicals — she ocould not control the drip, she didn’t realize it, etc. — but she did not NEGLECTFULLY do it. Nor did you not neglectfully do it. Neglect implies doing something on purpose, or having knowledge sufficient to realize it was neglect. Does your cousin live with you and does she part of the insurance claim? If she was just visiting, then it was not your neglect, and you consider it an accident. Get a statement from your cousin. You may have to push the issue a few times. However, whatever you do, do not try and clam another reason — or excuse — to get new sofas, or that will be really, really bad news, and any claim for your sofas will be labeled an insurance scam.
If it comes down to the insurance company not giving in, and not worth an attorney, get some nice slip covers and start shopping for a new insurance company.
References :
December 30th, 2009 at 5:33 pm
Study the policy wording. It was someone else’s neglect, not yours. It’s hard to imagine what the policy actually does cover, if accidental damage by a third party (your cousin) is excluded. If you are in the UK, I think there’s an insurance ombudsman. Check if that’s the case, and then contact the insurer in writing (keep copies of everything) and tell them you are going to refer the matter to the ombudsman.
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