First of all, OBW...Please put brain in gear BEFORE opening mouth....Next--
re-read the original post....It was NOT a PB500...It was an IBM ThinkPad
550...Thirdly...At the time of the incident I had and still have what is known
as REPLACEMENT VALUE COVERAGE...This means, OBW..that my insurance company
charges me an EXTRA PREMIUM...OVER AND ABOVE the "normal rates" for coverages.
I agree to pay this "Vigorish"and they agree to accept it in return for
REPLACING the specified item(s) with an EQUIVALENT item or cash value if the
original is no longer available or if a repair is not practical (costs more
than the item is worth at that time).
Moving on....The item under discussion is commonly known as, and often
referred to as, a LAPTOP or NOTEBOOK computer. This means (for the unwashed
masses amongst us) that it is PORTABLE...in other words it is designed to be
carried around and/or easily moved.in contrast to a fixed "desktop" unit. Now
since it is normally used by people in a sitting and/or reclining position, a
"reasonable and prudent man" (to use the legal standard) would accept that a
certain number of these units may be accidentally dropped and/or damaged UNLESS
the user is using something like crazy glue to bond the unit to one's thighs or
hands.
Insurance companies are not in business to lose money so they employ an
army of risk analysts to determine the rates that need to be charged in order
to cover such occurances. Now, a brief refresher on the "standard" insurance
laws....Under a standard "all perils" homeowner's policy, everything is
covered unless it is SPECIFICALLY EXCLUDED in writing in the policy. You are
not covered for a flood unless you have a separate flood coverage policy...
likewise a leaking house roof UNLESS the leak is caused by something other than
normal aging..ie. a tree falling on it or a wind storm ripping off shingles
etc. A tree falls on your car or it's vandalized...you are SOL unless you have
comprehensive coverage which you pay an additional premium for.
There is no "moral" issue involved here...it is strictly a commercial
business transaction...
BTW..I ended up adding roughly $700 to the check to buy the Pismo.. As far
as your TI Book question...if the noise was loud, violent and in the middle of
the night you are damn right I would jump up...If the TI fell, so be it. Every
second counts in a case like this. It could have been a Molotov Cocktail on
the porch etc... I am glad that you are so possessed of such an orderly and
meticulous mind that nothing like this would ever happen to you...
I have respected your technical expositions on this list but find your
intimations of "theft" to be insulting and condescending, but then I stop to
consider the source...I strongly urge you to read your policy, if indeed you
have one, in order to become familiar with exactly what is and isn't covered by
it and to check with your agent if you have one before making intimations
and/or moral judgements about "theft". As a result of my actions, several
incidents were cleared and I think the ins co is going after the perps for the
damages they caused...If successful, they, rather than the "customers" of the
ins co will end up paying for the damages...in other words...NO THEFT!!! I
agree that you did not come out and call me a thief directly, but the
intimation was that I did something "illegal, immoral and/or fattening" in
this case and I am offended by your "armchair" analysis and "spewing". Oh,
FYI, I am now and have been a fully licensed life, health, property/casualty
insurance agent in the state of PA since 1977 so I think that I may have a
modicum of knowledge about this issue...
For Geoff...Thanks for the support...it's nice to see that some are able to
conduct an intelligent discussion...I simply wanted to urge listas to be sure
that they had sufficient coverage on their equipment... Many people are
woefully ignorant of exactly what coverages they have/need until it is too
late. I work too hard and too long to get the $$$ to buy something to take a
chance on it being broken w/out coverage of some type...be it for "stupidity"
or whatever.
Apologies to the list for the lenghty discourse, but I felt some clarification
was necessary..
Regards,
Mike K
Obi-Wan wrote:
> This is your personal opinion. He had a Powerbook 500 series and was able
> to buy a Pismo on eBay as a result of the insurance settlement. THAT is not
> fair business. Do the math and figure out the dates between the machines.
> When was the Pismo introduced and what was a PB 500 series worth at that
> time? About $50. That's what. He got over on his insurance company by
> about $1500. That is not right IMHO. He should have been reimbursed for
> what he lost. A 500 seres Powerbook worth (at the time) about $50. The
> 400MHz Pismo was released in Feb of 2000. At that time I was giving 500
> series PB's away. Maybe $50 for a 540c.
> > Insuring a expensive computer is a wise choice or at least one that
> > should be brought up, too bad anyone with a view not agreed on the
> > list, by a few, get such harsh treatment, throwing slurring innuendoes
> > because they disagree.
>
> It was never a question, but rather a commentary offered by the original
> poster. No one has disagreed with his actions, but some have questioned the
> morality of asking an insurance company to pay for him dropping a laptop.
>
> Let me ask you a question. If you were typing away on say...a Tibook-500,
> and you heard "intruders" ...would you jump up and let the powerbook fall to
> the floor? And if so would you ask for your insurance company to pay for it?
>
> Or would you take 1 second, set your powerbook down and pursue the
> "intruders?"
>
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