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The Water Cooler
General Discussion
A Question for Our LEO members...
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<blockquote data-quote="Aries" data-source="post: 3487515" data-attributes="member: 44328"><p>If Bob has liability, the insurance company will probably cover the $140,000 antique, although they may very well question whether the actual value of the antique is $140,000. I've never had liability insurance that said we'll cover you for totaling someone's crappy Ford Pinto but not a new Mercedes.</p><p></p><p>The problem with this whole discussion isn't really a problem of how insurance works... the REAL problem is there are too many Bob's running around who are not buying it. That's what really needs to be addressed. Telling Bob he doesn't need to bother doesn't seem like a good solution to me, the person who causes the damage should be responsible for making the other person whole, IMO.</p></blockquote><p></p>
[QUOTE="Aries, post: 3487515, member: 44328"] If Bob has liability, the insurance company will probably cover the $140,000 antique, although they may very well question whether the actual value of the antique is $140,000. I've never had liability insurance that said we'll cover you for totaling someone's crappy Ford Pinto but not a new Mercedes. The problem with this whole discussion isn't really a problem of how insurance works... the REAL problem is there are too many Bob's running around who are not buying it. That's what really needs to be addressed. Telling Bob he doesn't need to bother doesn't seem like a good solution to me, the person who causes the damage should be responsible for making the other person whole, IMO. [/QUOTE]
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