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Why have insurance???

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LEH

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Saw this story on a local TV station this morning. Talk about a sorry state of affairs.

I could partially understand the insurance company if the death were in fact truly intentional, this was a random act of violence directed at anyone in the way.

Story behind this was the lady worked for an apartment complex. The complex was in the process of evicting a tenant when she and another employee went to the apartment, the tenant shot and killed them both.

Just goes to show how good the hands you're in with Allstate.
 

RC54730

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LEH said:
Saw this story on a local TV station this morning. Talk about a sorry state of affairs.

I could partially understand the insurance company if the death were in fact truly intentional, this was a random act of violence directed at anyone in the way.

Story behind this was the lady worked for an apartment complex. The complex was in the process of evicting a tenant when she and another employee went to the apartment, the tenant shot and killed them both.

Just goes to show how good the hands you're in with Allstate.
Sigh... this isn't Allstate's fault. You have an obligation to read and understand contracts before you enter into them. I'm sure the policy's language regarding what does or doesn't constitute an accident is quite clear. Some insurance companies have certainly done some sleazy things in the past, but refusing to pay an accidental death policy in a case like this just isn't among them...
 

LEH

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RC54730 said:
Sigh... this isn't Allstate's fault. You have an obligation to read and understand contracts before you enter into them. I'm sure the policy's language regarding what does or doesn't constitute an accident is quite clear. Some insurance companies have certainly done some sleazy things in the past, but refusing to pay an accidental death policy in a case like this just isn't among them...
I agree. There are two issues. Understanding the policy and its limits. Even reading it may not be clear unless you're a lawyer. The other is some leeway in what is an accidental death in the eyes of the insurance company.

This ladies' death was not premeditated in the fact the killer went looking for her. Murder yes, but she just happened to be at the wrong place and the wrong time. Killer probably didn't even know her (or only knew her because she worked at his apartment complex).

The reason I picked on Allstate is they were the insurance company. I have no doubt they will reverse themselves and pay up. They don't need the bad publicity this entails. The original claim denial probably came from some claim processor following the checklist with no room for leeway or abilty to raise the issue higher.
 

fineshot1

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I dropped allstate like a rock(after many years) when i purchased a new car and suddenly my auto policy went from 1300 to 2200 per year. this was with nothing on my record to justify such an increase. they use any excuse they can (just like any other ins co) to raise your rates.
 

Raven95150

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I'm not so sure that her insurance should be the one paying on this. Sounds to me like it would be more of an employer responsibility/workers comp issue since she was killed on the job.
 
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