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The Water Cooler
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A Question for Our LEO members...
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<blockquote data-quote="jakeman" data-source="post: 3488268" data-attributes="member: 10690"><p>Yes, but not under the comprehensive portion of the policy. That’s a collision. Your collision insurance would cover it. </p><p></p><p>Again, but I know it’s wasted breath on some (not you), there is noting that prevents anyone from insuring themselves to the hilt. If you want and are so inclined, you can get liability only. You can add collision if you like. You can also add comprehensive, but you don’t have to if you don’t want. You can up the limits as well if you think you need to do so. Nothing to prevent that. I carry a $1,000,000 umbrella policy. Not because I’m required, but because I think it’s a good idea. Liability insurance is cheap. Kinda like a term life insurance policy. </p><p></p><p>The issue is, some in this thread believe nobody should be responsible for their own reckless behavior, and that is just one of the two stupidest things I’ve heard all week. Removing people’s responsibility for their own reckless actions, sometimes dangerously so, is a really horrible idea, and I have a hard time wrapping my head around anyone being stupid enough to think it’s a good idea. Civil liability is pretty important. </p><p></p><p>Let’s just take that another step. Let eliminate the need for doctors and other professionals to have malpractice/liability insurance. Not the dr’s fault he screwed up your surgery and you are now permanently paralyzed and confined to a hospital bed in an assisted care facility for the remainder of your miserable life. You should have taken out insurance to cover you for your doctors reckless, irresponsible actions. You should have known. </p><p></p><p>Had an engineer build you a giant building, and it fell down during construction because of a design flaw. Killed a bunch of construction works and destroyed the property next door. Too bad. Not the designer’s responsibility to make everyone whole. Your building, you should have purchased insurance to protect your self from the incompetence of the licensed engineer you hired. </p><p></p><p>Horrible idea. Not a bad idea; a horrible, ridiculously stupid idea.</p></blockquote><p></p>
[QUOTE="jakeman, post: 3488268, member: 10690"] Yes, but not under the comprehensive portion of the policy. That’s a collision. Your collision insurance would cover it. Again, but I know it’s wasted breath on some (not you), there is noting that prevents anyone from insuring themselves to the hilt. If you want and are so inclined, you can get liability only. You can add collision if you like. You can also add comprehensive, but you don’t have to if you don’t want. You can up the limits as well if you think you need to do so. Nothing to prevent that. I carry a $1,000,000 umbrella policy. Not because I’m required, but because I think it’s a good idea. Liability insurance is cheap. Kinda like a term life insurance policy. The issue is, some in this thread believe nobody should be responsible for their own reckless behavior, and that is just one of the two stupidest things I’ve heard all week. Removing people’s responsibility for their own reckless actions, sometimes dangerously so, is a really horrible idea, and I have a hard time wrapping my head around anyone being stupid enough to think it’s a good idea. Civil liability is pretty important. Let’s just take that another step. Let eliminate the need for doctors and other professionals to have malpractice/liability insurance. Not the dr’s fault he screwed up your surgery and you are now permanently paralyzed and confined to a hospital bed in an assisted care facility for the remainder of your miserable life. You should have taken out insurance to cover you for your doctors reckless, irresponsible actions. You should have known. Had an engineer build you a giant building, and it fell down during construction because of a design flaw. Killed a bunch of construction works and destroyed the property next door. Too bad. Not the designer’s responsibility to make everyone whole. Your building, you should have purchased insurance to protect your self from the incompetence of the licensed engineer you hired. Horrible idea. Not a bad idea; a horrible, ridiculously stupid idea. [/QUOTE]
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