And that may be the case Victor, I'm just saying that at least in my experience, the insurance company was trying to hold a pipe break that resulted in an inquiry by the homeowner, but no money was actually paid out. Nevertheless, the insurance company viewed it as though if I had filed the claim, which I made it quite clear it can't be held against me and they did back off, but I could never have proved that it did not have an impact perhaps on my rating/insurability, or future premium increases. I agree in this case the homeowner insurance company likely could recover any losses from the auto insurance company. In any event, I guess we're straying from the purpose of the list, but good comments.
On Jun 25, 2009, at 8:51 AM, Victor wrote: > > > Hi Scott, > > While I agree with you that filing a claim with your insurance > company if > there happens something that cannot be controlled by yourself, or the > environment, however, this was an accident, and one perpetrated by > one who > was lax in his responsibility in that they drove drunk. > > This is not held against you when filing a claim because > circumstances were > not under your control. > > The same goes for flooding, acts of God and the like. > > While acts of God, like lightening strikes, earthquakes or damage > resulting > from the weather will require the payment of a deductible, in the > case of a > drunk ramming into your fence, it's a no brainer, and the company will > recoup their losses from the driver's insurance company. > > If the company cannot recoup it's losses from a third party, then > yes, it > will be placed on your record, and a deductible will need to be paid. > > At least, that's how it works up here in Canada with insurance > companies. > > Victor > > > [Non-text portions of this message have been removed]
