Horse talk for mature people over 40 - Page 381 - The Horse Forum
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post #3801 of 29437 Old 07-02-2012, 02:08 PM
Yearling
 
Join Date: Oct 2011
Location: Blowy Hills of the Pacific NW
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Quote:
Originally Posted by dee View Post
With Grace - you aren't going to believe this. Daughter had contacted their automotive insurance company as soon as the fire was out. They said sure - the trailer was covered, as it was being towed by the truck. The agent told them to contact a certain tow company to have the trailer towed to a salvage yard. They were following the tow truck out to the salvage yard so they could sign off on the final paperwork when the agent call them back. Seems that since they had disconnected the truck from the trailer when the fire broke out, it was no longer "in tow," and was NOT covered by their insurance after all!!!!!

Guess they were supposed to let the brand new truck just burn, too. Go figure. Glad I don't have that insurance company!!!

At any rate, she and her hubby should be home this afternoon. I just spoke with her a few minutes ago, and they are both worn to a frazzle and ready to get home.

No way...I swear if there's a way to get out of paying, insurance companies will find a way out. Your daughter must be furious with them. I got my horse trailer insured right after I heard a similar story. Truck was pulling trailer, unloaded horses, back trailer into a spot and unhooked it from the truck. Trailer got backed into by an uninsured motorist, couldnt get horses home and auto insurer wouldnt cover it because it was no longer attached to the truck.

So now their trailer is just a total loss and there's no recourse for them?

My journal of my re-entry back to the horse world http://shelooksgoodonahorse.blogspot.com/
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post #3802 of 29437 Old 07-02-2012, 02:19 PM
Green Broke
 
Join Date: Aug 2009
Location: Vancouver, British Columbia
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We have to have separate insurance for anything we pull. So we have horse trailer and boat trailer insurance. We have storage insurance on our travel trailer as it never moves from our property
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post #3803 of 29437 Old 07-02-2012, 03:28 PM
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Join Date: Feb 2011
Location: AZ
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Insurance rules are crazy. Hope something can be done.
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post #3804 of 29437 Old 07-02-2012, 04:20 PM
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Join Date: Feb 2012
Location: SW UK
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Quote:
Originally Posted by dee View Post
With Grace - you aren't going to believe this. Daughter had contacted their automotive insurance company as soon as the fire was out. They said sure - the trailer was covered, as it was being towed by the truck. The agent told them to contact a certain tow company to have the trailer towed to a salvage yard. They were following the tow truck out to the salvage yard so they could sign off on the final paperwork when the agent call them back. Seems that since they had disconnected the truck from the trailer when the fire broke out, it was no longer "in tow," and was NOT covered by their insurance after all!!!!!

Guess they were supposed to let the brand new truck just burn, too. Go figure. Glad I don't have that insurance company!!!

At any rate, she and her hubby should be home this afternoon. I just spoke with her a few minutes ago, and they are both worn to a frazzle and ready to get home.
You have to play insurance companies at their own game.
When the fire broke out it was in tow. The truck was unhitched to save them money.

PS I am sorry it all happened but at least both are alive.

I have had many dealings with claims one way and another and have found that if you are making a claim you admit liability - especially if animals are involved.

Threaten the company with the ombudsman and carry it through
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post #3805 of 29437 Old 07-02-2012, 04:55 PM
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Join Date: Sep 2011
Location: Camp Verde, Az
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Quote:
Originally Posted by dee View Post
Seems that since they had disconnected the truck from the trailer when the fire broke out, it was no longer "in tow," and was NOT covered by their insurance after all!!!!!

Guess they were supposed to let the brand new truck just burn, too. Go figure. Glad I don't have that insurance company!!!
Wow! But it was "in tow" when the fire started! That would be my argument. Yeah. I'd be fighting that one big time.
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post #3806 of 29437 Old 07-02-2012, 06:56 PM
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Join Date: Feb 2012
Location: SW UK
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I learned about insurance claims many years ago!
A friend of mine was lungeing her grey horse in the field. He took off, jumped a large hedge into the road causing a car to swerve and hit a telegraph pole. Luckily only the car was harmed.
Her father leant the people a car whilst theirs was repaired and put in an insurance claim.
He denied liability so the insurance refused to pay saying it was "An act of God" and horses did such things.

The father was well out of pocket.

About three years later friend was lungeing a different grey horse when he did the same - different car but same pole! I filled in the claim, admitted liability and they paid up.

More years passed and friend had three horses loaded ready for a show. Luckily as she went back to close the gate she noticed smoke and went to check. The roof of the stable was on fire.
Had she not seen three of her other horses would have perished.
She let them free before calling the fire brigade. By the time they got there the roof of one block was burnt out as were two stables filled with new hay.

When the claim came in she asked me to fill it in. I did so and asked how many bales of hay she had lost. She said not to bother with them as she had plenty (home grown) I claimed for the cost it would be if she bought it in. I also claimed for rugs she had lost, stating that they were her best show rugs and cost of replacement.
I arranged for the repair of the buildings and the insurance paid with no problem.
The fire brigade thought the fire was started from a neighbours bonfire. (This was back when the UK had summers - with SUN!) but they were not certain.

I did recoup some of the losses from the first claim they refused to pay. I thought it only fair.
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post #3807 of 29437 Old 07-02-2012, 08:22 PM
dee
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Location: Seminole, OK
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Well, although the camper was new to them, it was far from new, and they didn't pay all that much for it, so they have decided to forget about the trailer. The stress of having to deal with the insurance company would just be too much for them at this time.

On a good note, daughter's medical insurance company granted her a hardship and allowed her to refill all her meds. She still had to pay the copays, but that beats the $3,500 she would have had to pay if she got all her meds at normal cost.

The stress really got to her hubby, though. He was recently diagnosed with Parkinson's disease, and had started a new med. Today, he broke out in a horrid rash. They stopped by the hospital on their way home. Seems it's a reaction to his Parkinson's med. They put him on a new med and some steroid cream for the rash. He should be feeling better in a few days, but righ now he feels like he has poison ivy all over his body, poor guy.

Plain Old Dee, horses Dancer and Rain

I believe in dragons, unicorns, good men and other mythical creatures!
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post #3808 of 29437 Old 07-02-2012, 09:04 PM
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Join Date: Jun 2012
Location: Tennessee
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I am 44. I grew up around horses. We had work horses and a TN Walker. I tried hunter/jumper in my teens and had 3 horses during that time. I gave it up to marry and raise my daughter, trail rode a little here and there. My daughter is grown and my marriage ended so now I'm full throttle back to horses, lol. I've been working in the cutting horse business for about 6 years now. I've been working for a Nonpro that trains his own for about 3 years and worked for a pro trainer for the previous 3. I still help him, too. I did a little work with a reiner before that and I enjoyed it, also. I have 2 Quarter horses and take care of a wild pony, that's an experience let me say, lol. I may be adding 2 more to the herd, as well. At some point I may have to get a real job to afford this habit, but I'm trying to learn as much as I can for now. I am pretty obsessed with cutting. It's probably the most exciting and challenging thing I've ever done on a horse.
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post #3809 of 29437 Old 07-02-2012, 09:11 PM
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Hello Hope! I love you avatar, posted that on my facebook wall last week...

Horses are proof that God love's us and wants us to be happy!
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post #3810 of 29437 Old 07-02-2012, 09:18 PM
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Location: Virginia, USA
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Hi Hope...I was able to experience cutting on a Montana vacation at a cattle ranch. I understand the addiction! So much fun! Welcome!
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