(Untitled)

[littlehoudini]

Laws and provincial rules in general continue to confound me. Talking to my car insurance rep yesterday, here's what I learned: if your house burns down, your home-owners insurance will protect everything you own... except the car sitting in the garage

Comments

[captain_snarky]

In New Orleans, you are required to have flood insurance. It is known by everybody that lives in the city that, should your property flood, the insurance company won't pay you a dime, wiggling out of it any way possible up to and including their assessors lying about the nature of the damage to your home (I knew a lady whose house flooded, and the insurance company told her they don't cover tornado damage, wtf). But it's still law that you have to have it.
It's all a fucking racket. I'm this close to going back to living in a tent.

[littlehoudini]

I, in fact, really, really dislike property insurance companies with a pure, white-hot and unabiding fashion. Generally speaking, however, car insurance companies have treated me pretty well. The amazing thing is, they are typically the same company. Still not sure about that, either.

[captain_snarky]

Yeah, car insurance has treated me pretty well too. When my trailer got stolen after Katrina, all I had to do was fax them the police report and they sent me a check.

[loftwyr]

Cars are separate classification. Cars can get (and should) fire insurance. You can't get fire insurance for your tools (unless you get separate insurance for them altogether). However, if the car is not road worthy, and thus not insurable, then it may be under your house insurance.

You kill someone with a car, then you're using a 3,000 pound hammer.

If you buy a 3000 pound hammer, your house insurance will suggest you buy separate insurance for it.

[littlehoudini]

I disagree about fire insurance for tools - if (for example) my air compressor or my jackhammer is destroyed in a fire, it should be covered under "possessions" in my homeowners insurance.

I'm not talking about driving a car around - that's a separate issue. But on my property, being stupid (read: neglectful) is being stupid - the method, car, chainsaw, open fire in the backyard, etc., shouldn't matter. It doesn't have to be a 3,000 lb hammer - it can be a smart car or a motorcycle or whatever - if it's a vehicle, it's still separate insurance. And I stand by my statement, the division seems artificial to me.

[kaige_of_ct]

Moral of the story: Kill your neighbors' kids on someone else's property and make a clean get away.

[littlehoudini]

That's a good moral.