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pups | What do you do when Insurance pay out is not enough? |
We had a lightening strike and lost our tv, the insurance are willing to pay out but the tv they are offering us is no where near the price that we paid for ours (albeit several years ago) and is not very attractive , can we haggle with them to go up in price and has anyone done this and succeeded. Thanks.
Additional Details
sfru thanks for worrying the life out of me, yikes, have only claimed once before so surely they cannot hold that against me!!! |
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Simon t
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Hey sorry to hear that pups , it must have been abit mental to say the least . I'm not really up to speed with the insurance thing , but i would maybe spend an hour or two reading the small print on your policy as i know they are the biggest rip off merchants there is . On a brighter note the cost of TVs at the moment are pretty reasonable - you can pick up a 32" LCD screen TV for around 500/600 quid , shop about though and have a look on kelkoo , when you do get your new tele it might be wise to invest in a surge protected socket strip in-case lightening does strike twice ( god forbid ) .......take care and don't forget to were your wellies for a day of two ( rubber soles and all that haha ) xxxxxx |
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Space_Cadet
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The agents (and they have very little latitude to change unless you have a major account with them) use a cost depreciation model so save your breadth. Also given the price versus function of TVs made a few years ago versus current models you may be able to replace function for function at a reduced amount.
Good luck. |
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William
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It all depends upon your insurance. If your homeowner's insurance was for replacement value, then price should be no issue, they should replace it with a new one that is similar to the one that you lost. With TV's declining in value you should be able to get at least as good a TV as you had before. However if you didn't have replacment value insurance, you will pay your deductible and then they will take the depreciated value of your TV and offer that to you. Good luck you can haggle but the type of coverage will have a lot to do with your success. |
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Lizard
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The purpose of insurance is to put you back in the same positions as you had been before the incident. The TV you bought several years ago may have been top of the range then but its not now! The TV being offered is the same technical specification as the one you had, as TVs have moved on this is why you think you not getting what you deserve. TV do not increase in value. If you paid £1000 5 years a go for a 32 inch TV you will not be getting a TV that retails at £1000 now as it would like to be LCD, Plasma or with built in digital which you did not have. The best you can do is ask for a cash settlement or a cheque. Or offer to pay an upgrade where you can take advantage of any discounts with suppliers they may have.
No it does not work - I am an insurance claims manager - we not in the business for haggling! |
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sfru
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That's because your homeowner's probably has acv on contents. They figured out the depreciated value of the tv after a few use of wear & tear, then they gave you a new tv at that value. There is no such thing as haggling in p&c insurance. The only thing you can do is sue, which is definitely not worth it for a TV.
More importantly! if your only loss for a lightening strike was your tv set, you're very lucky. I am interested in knowing how much that loss actually was and if it was actually worth making. CLAIMS WORK AGAINST YOU. If you have a repetitive claim history, especially for such a tiny sum of money, your insurance company can legally cancel your policy. I wouldn't be surprised if your homeowner's rates went up as well and they recoup the expense of that tv. And if you get cancelled due to claim frequency, you will realize other companies don't want you either, you've become too much of a risk. Thus you will either be uninsured or with your state's "insurance plan of last resort" paying thousands more than you would with a competitive, private insurance company. I'd be more worried about my claim history, if I were you. |
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Manc Lush
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Well your first mistake was not sticking in a massive insurance claim like the rest of us do. You only claimed for a TV after being hit by lightning. |
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☺ CT (Original)
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No, they will only pay out for wear and tear. Insurance companies are the biggest rip off companies. |
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