Posted on 04/29/2005 9:24:01 AM PDT by manumission
Probably an extension of the "we don't cover illegal activity" clause. Like if you're running a meth lab in the garage and it blows up, they're not gonna cover the resulting damage.
"Anyone who knows, I'd really like to hear from..."
I don't know the exact details of the NAMBLA case to which you refer, but my general understanding is that the suit charges the NAMBLA scumbags with negligence in the homicide of a child by one of the NAMBLA perverts. In other words, State Farm is not defending the killer for the homicide, but rather they are providing coverage to the NAMBLA officials who encouraged the type of perversion that motivated the killer.
Thanks for the enlightenment!
I don't know about all jurisdictions, but in cases I know about personally, damage inflicted "in line with official duties" was NOT recoverable.
The worst case which really sticks in my mind: Several businesses were shot up by cops during a "shoot-out" in rural northern CA, and damage claims were refused.
Incidentally, the wanted bank robber didn't fire a shot. He was crouched behind a bus bench at the side of a store, holding a gun to the head of an elderly local man whom he was holding around the neck with his other arm. The cops also managed, in the course of expending over 150 rounds, not to hit the robber even once...but hit the hostage in the neck, shoulder, and groin. The robber threw his gun down & surrendered.
The freezers in the store were ruined; shelf goods were destroyed; the motor of ice-house on the opposite side of the store was ruined; the front windows of another market, cafe, and gas station, and mini-mart across the road from the store were shot out. The 75-100' side of the store was stitched from one end to the other, and as high as 8' off the ground. The cops were behind their cars within TEN TO FIFTEEN YARDS of the robber's position, using pistols, rifles, shotguns, and at least one full auto AR...by a sheriff's deputy NOT authorized to have it.
Incidentally, Jinks, the 70+ YO father of the store owner, who was the hostage, did eventually fully recover. Miraculously, though all the businesses had customers as well as employees inside them, Jinks was the ONLY person wounded.
The various business owners had to fight it out with both the insurance companies and the FBI, CHP, and Shasta County Sheriff's Department, as all of them denied legal obligation to pay damages.
Liberty Mutual Insurance,
You will find that Liberty Mutual will always be the most reasonable insurance company. There is a reason for that, try to make a claim against them.
Our experience with them was we had a house fire, and we paid extra for full replacement cost of our contents. The clothes dryer caught fire.
Well all our clothing was ruined by smoke damage. When we complained that the clothing still had a smoke smell from the fire after they dry cleaned them. They sent all my suits to the cleaners and had them wash in a washing machine along with three of my leather coats to remove the smoke smell. After that they told me that they didn’t have smoke smell any more go ahead and wear them, of course these suits and leather coats were completely ruined. Then they laugh at us.
They did the same to my wife’s clothing and two daughters. We had a computer that was sprayed by the fire department, they told me that it would be OK they would be kind enough to have it cleaned up. It was complete ruined. Of course the computer was on and it shorted out. Remember when a top of the line 486 computer cost $4000.00. The computer was only 6 months old at the time.
After this, Liberty Mutual sued the dryer company and collect there monies from them. I was even stupid enough to help them carry the dryer out of the basement.
If I told you all the hoops they made us jump through, you would run from that company. All the lies they told us.
Finally they said they wanted to get us off there books 5 years later. So we set up an appointment with their attorney, no one from Liberty Mutual came. Mr. Tim Mann, who was the representative of Liberty Mutual all this time, was on the speaker phone, he did not have the guts to face my family.
Well we finally agreed to a pittance of a settlement. We signed the papers in front the attorney. Mr. Mann promise a check would be in the mail the next day, it was another two years before we received that check.
Please go ahead and use this company, if you are looking a cheap price.
We found that the insurance laws of the State Of Michigan are all wrote by the insurance companies. Would you believe that the State of Michigan is happy about this? You have no recourse when you turn in a claim against any insurance company. You are at there mercy.
If you have had an experience like mine, please e-mail me. (roadmaster6168@aol.com)
Dan Bryant
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