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Judge Rules in Favor of Insurer in Miss. Wind vs. Water Case

National News • August 15, 2006
In a highly anticipated ruling in one of the first wind vs. water insurance claims arising out of Hurricane Katrina, a Mississippi judge has upheld the exclusion for damage caused by water and ...

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Subject: RE: RE: RE: RE: What can an agent do??

Posted On: August 18, 2006, 10:23 am CDT
Posted By: caveat emptor
Comment:
Hey Alaska,
I absolutely agree - it is DEFINITELY a risk not to carry UM/UIM. I choose to take it. I would not advise the same of others who do not have my resources. As far as a claim for someone in my car - that's what liability is for - I carry very high liability and since my family is all out of state there are no 1st party riders in my car, ever, only 3rd parties who can make a liability claim if I were to ever injure them.
My point is that it's not an agent's choice - it's mine. And we as insurance professionals can explain and can (and should) protect ourselves and our business by refusing, asking for waivers, etc but the bottom line is (as the last post states) until there are SERIOUS, FAR-REACHING financial repercussions to making poor choices, nothing will change. If we stop bailing them out, they'll stop doing stupid things (or they won't need homeowner's insurance anymore because they can't afford to rebuild). I feel sorry for people stuck in a bad situation but bailing them out only encourages them to do the same thing over and over again.
May I also say that I always enjoy reading your comments - well thought out, correct grammar and spelling, polite - very nice to see :-)
Subject Posted By Posted On
Jacqueline LL
Aug 24, 2006, 1:05 am
RE: RE: Alaska Agent: It's never their fault! stat guy
Aug 23, 2006, 11:14 am
RE: Actuarial Wanna Be Jacqueline
Aug 22, 2006, 12:19 pm
Reading this forum... Insurance Executive
Aug 22, 2006, 9:00 am
RE: RE: RE: RE: RE: RE: What can an agent do?? actuarial wanna be
Aug 22, 2006, 6:38 am
RE: RE: RE: MS Gulf Cost Agent and Homeowner actuarial wanna be
Aug 22, 2006, 6:20 am
RE: RE: MS Gulf Cost Agent and Homeowner Ed Spence
Aug 21, 2006, 7:14 pm
RE: RE: RE: RE: RE: What can an agent do?? Jacqueline
Aug 18, 2006, 6:32 pm
RE: RE: RE: RE: What can an agent do?? caveat emptor
Aug 18, 2006, 10:23 am
Microcephalic Solution on a Macro problem John A. Marsh
Aug 18, 2006, 6:18 am
RE: RE: RE: RE: What can an agent do?? Rodney King
Aug 18, 2006, 5:59 am
RE: RE: RE: What can an agent do?? Alaska Agent
Aug 17, 2006, 7:37 pm
RE: RE: RE: What can an agent do?? Jacqueline
Aug 17, 2006, 5:54 pm
Sassy Thinks She Knows It All Jacqueline
Aug 17, 2006, 4:49 pm
RE: RE: What can an agent do?? jim
Aug 17, 2006, 3:58 pm
RE: RE: RE: What can an agent do?? caveat emptor
Aug 17, 2006, 3:48 pm
RE: RE: What can an agent do?? Sassy
Aug 17, 2006, 3:29 pm
RE: It's never their fault! fmkeller
Aug 17, 2006, 3:23 pm
RE: What can an agent do?? Jacqueline
Aug 17, 2006, 10:33 am
RE: Read the facts semper gumby (always flexible)
Aug 17, 2006, 9:20 am
RE: What can an agent do?? jbm
Aug 17, 2006, 8:40 am
What can an agent do?? LL
Aug 16, 2006, 8:46 pm
RE: RE: MS Gulf Cost Agent and Homeowner jim
Aug 16, 2006, 8:45 pm
RE: RE: RE: MS Gulf Cost Agent and Homeowner Dan
Aug 16, 2006, 8:20 pm
RE: RE: MS Gulf Cost Agent and Homeowner Alaska Agent
Aug 16, 2006, 7:34 pm
RE: MS Gulf Cost Agent and Homeowner ED
Aug 16, 2006, 7:21 pm
RE: Do yourself a favor ... Cat Adjuster
Aug 16, 2006, 5:34 pm
Taking personal responsibility Jacqueline
Aug 16, 2006, 5:29 pm
RE: RE: Alaska Agent: It's never their fault! Alaska Agent
Aug 16, 2006, 4:16 pm
RE: RE: MS Gulf Cost Agent and Homeowner sam
Aug 16, 2006, 3:03 pm
MS Gulf Cost Agent , not a fortune teller Cal
Aug 16, 2006, 2:52 pm
RE: MS Gulf Cost Agent and Homeowner Dan
Aug 16, 2006, 2:37 pm
MS Gulf Cost Agent and Homeowner Nancy
Aug 16, 2006, 2:14 pm
RE: RE: Do yourself a real favor Hugo Sanchez
Aug 16, 2006, 1:43 pm
RE: Read the facts WHAT did YOU read ???? Mark H
Aug 16, 2006, 1:36 pm
RE: Read the facts Another Black Eye
Aug 16, 2006, 1:18 pm
RE: RE: Read the facts WHAT did YOU read ???? jbm
Aug 16, 2006, 12:12 pm
RE: Read the facts WHAT did YOU read ???? jane
Aug 16, 2006, 10:32 am
RE: RE: Do yourself a real favor Karl Marx
Aug 16, 2006, 10:06 am
RE: Alaska Agent: It's never their fault! Jacqueline
Aug 16, 2006, 10:01 am
RE: RE: Do yourself a real favor A realist
Aug 16, 2006, 9:37 am
Read the facts jbm
Aug 16, 2006, 9:21 am
Attorney's Fees IN Agent
Aug 16, 2006, 9:09 am
RE: RE: Do yourself a favor ... Jerry Hermes
Aug 16, 2006, 8:45 am
RE: Do yourself a real favor of interest
Aug 16, 2006, 8:43 am
The Headline is mis-leading Claim Adjuster
Aug 16, 2006, 8:03 am
Do yourself a real favor A realist
Aug 16, 2006, 7:12 am
RE: Do yourself a favor ... ??????
Aug 15, 2006, 10:52 pm
RE: RE: RE: The Headline is mis-leading... Alaska Agent
Aug 15, 2006, 7:31 pm
What do ins agents have in common with Pres. Bush? Blame it on Bush & your Agent
Aug 15, 2006, 7:25 pm
RE: RE: The Headline is mis-leading... Matthew
Aug 15, 2006, 7:22 pm
RE: The Headline is mis-leading... Bob
Aug 15, 2006, 5:14 pm
It's never their fault! Alaska Agent
Aug 15, 2006, 5:12 pm
RE: RE: RE: Do yourself a favor ... Bob
Aug 15, 2006, 5:08 pm
RE: RE: Do yourself a favor ... Pat
Aug 15, 2006, 4:41 pm
The Headline is mis-leading... Claim Adjuster
Aug 15, 2006, 4:40 pm
Re: Do yourself a favor... Notes
Aug 15, 2006, 4:36 pm
RE: Do yourself a favor ... tag
Aug 15, 2006, 4:22 pm
Honesty Lawsuit
Aug 15, 2006, 4:03 pm
Do yourself a favor ... Product Manager
Aug 15, 2006, 3:50 pm
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