Legal Beagles, thoughts?

[Guinevere]

Beagles are cute and people like them.

You have a problem with beagles?



yrs,
rubato

Sure they are cute to look at, but have you ever owned or taken care of a beagle? They are the loudest, most annoy, uh, wait, I get it now

[Guinevere]

<snip>
What do you have against someone accepting (or being forced to accept) personal responsibility for the cosequences of his/her negligent actions? Is their some rule that says you should get a free pass for hurting someone if you "didn't mean to"? "Accidents" usually happen because someone wasn't being sufficiently careful about what they were doing. If I hit you with my car while you were crossing the street, I wouldn't be excused from responsibility for your injuries simply by saying "Oopsies, it was an accident."

His former life as an agent/employee of a large premium collection company?

[MajGenl.Meade]

Oh Guin..... that's unfair! (ish)

Look at what he said to Sue huh?

No I rather think that I would be paying through the nose for my grandchild - changing diapers until I was in Depends and so on. I would also make a claim against my homeowners policy. That's why I have insurance - even here.

Sue - the claim is made by the injured party of course, just as you say. But at the large premium collection company he was associated with, it was invariably the home policy owner who called to "make the claim". Really it is the reporting of an incident that gives rise to a claim. But he thinks everyone in the biznay of screwing helping clients calls it "making a claim".

yrs
An anonymous supporter of Meade

[Long Run]

The headlines as usual are misleading. The above posts correctly note that this is about collecting on one or both of the insurance policies (grandmother's or the owner/builder of the staircase), and there must be enough at stake that there was not a compromise so a lawsuit had to be filed. And yes, this is why we buy insurance.

[Guinevere]

Sue - the claim is made by the injured party of course, just as you say. But at the large premium collection company he was associated with, it was invariably the home policy owner who called to "make the claim". Really it is the reporting of an incident that gives rise to a claim. But he thinks everyone in the biznay of screwing helping clients calls it "making a claim".

yrs
An anonymous supporter of Meade

Oh anonymous supporter, it is the "occurence" of the property damage or bodily injury (using a commercial general liability policy as an example) which triggers the insurer's obligation to provide coverage, and, in Massachusetts anyway, the duty to defend. Yes, a report must be made, and if it isn't made there are possible ramifications and complications, but the key is the occurrence, not the report.