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You seem to be forgetting that this avoidance can work at two times: 1. pre-emptively dropping or refusing coverage 2. claim inspectors concluding the company
by PaulDavisThe1st 3y ago
You seem to be forgetting that this avoidance can work at two times:
1. pre-emptively dropping or refusing coverage
2. claim inspectors concluding the company has no liability for a particular incident.
It doesn't all need to be #2 (and probably should not be), but it also doesn't all need to be #1 either.
- hattmall 3y ago#2 is less successful and incurs more costs. Trampolines are a good one because let's say you lie about a trampoline. Ok, great, we don't have to cover any trampoline related injuries. What are the chances that you would then lie and say that a broken arm occured on the steps instead and simply fail to mention the trampoline like you already did.
- tptacek 3y agoYou, the rogue trampoline owner, aren't really the party that the insurer is worried about. Your kid's best friend's parents are. (And it's not a broken arm they're really freaked out about --- don't make a homeowners claim over a broken arm, probably; it'll cost you more in the medium term --- it's death or paralysis, both of which will put millions of dollars on the line).