Really, really, REALLY tiny black bugs

[mbailey]

I thought insurance doesnt cover stupidity, oh wait it does  .


semp

lol you would be surprised what I've paid for. After 20+yrs in the property claims business I like to say I've seen it all.....but every day surprises me

[bustr]

As an insurance adjuster, who pays to whom in the following sad story.

Bunch of teenagers have a giant cable spool. The wooden kind. They figure out how to open the center to allow two to climb in. Their friends then push the spool down a long hill. Near the bottom the bouncing throws the two out of the center spindle violently and the spool heads off down the valley floor out of sight. Bystanders and friends alike all rush to the aid of the unconscious duo. As they gather around with their backs to the valley floor, no one sees the spool at full tilt rolling back onto them all clustered together. By definition a valley has two walls.

Only in Russia or a Loony Toons cartoon do you see things like this. But, if it were in the USA, how would insurers handle it?

[FLOOB]

Turns out they're snow fleas and harmless. I hosed 'em all into a puddle and they were back in the same spot within 15 minutes. 2 hrs later they were all gone. 

The bugs are blue!

[mbailey]

As an insurance adjuster, who pays to whom in the following sad story.

Bunch of teenagers have a giant cable spool. The wooden kind. They figure out how to open the center to allow two to climb in. Their friends then push the spool down a long hill. Near the bottom the bouncing throws the two out of the center spindle violently and the spool heads off down the valley floor out of sight. Bystanders and friends alike all rush to the aid of the unconscious duo. As they gather around with their backs to the valley floor, no one sees the spool at full tilt rolling back onto them all clustered together. By definition a valley has two walls.

Only in Russia or a Loony Toons cartoon do you see things like this. But, if it were in the USA, how would insurers handle it?

Well if the spool rolled down the hill and thru your home, I'm your guy to answer that question. Answer would be the homeowner that suffered the damages, and the Ins. Co would subrogate against the parties that caused the damages.

If your asking who would pay the medical bills for the injured people, their individual medical insurers. That said, the people that were originally involved in causing the fiasco could probably face civil action by the innocents injured.



On a side note, glad to see your little visitors are gone Max

[Max]

Here's a good one. I'm doing a home reno in advance of putting it on the market. I rented a 20 yard dumpster for construction material and 31 years of collected crap.

Buddy of mine is leaving town and asked to park a couple of recliners in the dumpster. He shows up with his pal. Rather than carry the chairs thru the back (OPEN) door, the pal throws one over the side (7 feet high) while my buddy's standing in the dumpster. Chair smashes into his leg and tears a 6" gash requiring x-rays and 18 stiches.

Despite medical insurance, my (soon to be FORMER) buddy tries to collect medical expenses on his renter's insurance. Nope...doesn't cover medical expenses. So he wants ME to put in a claim on MY homeowners policy for his injury. Aint gonna happen as I've just submitted 2 claims for water rot damage...a 3rd will result in cancellation when the policy renews next year.

No good deed goes unpunished.

[Meatwad]

The bugs are blue!

bluish-purple to me

[BuckShot]

They look really cool when they are all over the snow. They're around every spring in Maine, New Hampshire.

My legs are usually covered after a turkey hunt. They stain your clothes if you rub then in.