Discussion
Just seen on the front page of the local rag (Bristol Evening Post)...
A driver's car was wrecked when he was hit by another car who's driver was suffering an epilectic fit. The insurers are refusing to pay out, claiming that the fit was "an act of God".
WTF?
Who says insurance companies aren't a bunch of thieving ba$tards?
A driver's car was wrecked when he was hit by another car who's driver was suffering an epilectic fit. The insurers are refusing to pay out, claiming that the fit was "an act of God".
WTF?
Who says insurance companies aren't a bunch of thieving ba$tards?
Hi Pete
I haven't read the newspaper, but I can't believe that.
What happens to drivers and their cars which are injured or wrecked due to other motorists dying, having heartattacks, being temporarily blinded by the sun, etc....?
These are all acts of god using the insurers definition.
The only way I can see the insurers getting away with this, is if the insured has a history of epilepsy and has not declared it when taking out the insurance. In this instance the driver suffering the attack would not be insured as he would have failed to disclose relevent details when taking out the policy, thus voiding it. Although in the newspaper instance the insurers would just say the drivers insurance is void, they wouldn't take the "act of god" defence.
cheers
DAZ
I haven't read the newspaper, but I can't believe that.
What happens to drivers and their cars which are injured or wrecked due to other motorists dying, having heartattacks, being temporarily blinded by the sun, etc....?
These are all acts of god using the insurers definition.
The only way I can see the insurers getting away with this, is if the insured has a history of epilepsy and has not declared it when taking out the insurance. In this instance the driver suffering the attack would not be insured as he would have failed to disclose relevent details when taking out the policy, thus voiding it. Although in the newspaper instance the insurers would just say the drivers insurance is void, they wouldn't take the "act of god" defence.
cheers
DAZ
quote:
Don't epileptics have to surrender their licenses pending proper assessment and a medical-sign off on their state of health etc.. ? (One guy I knew did..)
Correct. On a first seizure minimum of twelve months. At the end of the twelve months you have to get a medical consultants opinion stating they are happy for you to drive, together with an application form (from DVLA) and send it all into the medical section at DVLA. You can then only drive when you receive your physical licence back in the post, so in practice you surrender your licence for longer than 12 months.
DAZ
There was a woman in the papers a couple of weeks back, had been hit (at low speed, at traffic lights) by a bloke having a fit. No physical damage to her, only her car. Insurance paid out no problem. Bicht then claims trauma and PTSD for seeing the guy have the fit - and GOT PAID!!! Laughable country we live in nowadays.
quote:
There was a woman in the papers a couple of weeks back, had been hit (at low speed, at traffic lights) by a bloke having a fit. No physical damage to her, only her car. Insurance paid out no problem. Bicht then claims trauma and PTSD for seeing the guy have the fit - and GOT PAID!!! Laughable country we live in nowadays.
Becoming increasingly like the states... ooh, they did this! SUE 'EM!
FFS!
But I don't believe in god... so i should always get paid out by insurance companies 
Actually I am almost serious - if you believe in god then everything is an act of God surely!?! (hence the 'Will of Allah' style driving in many Arab states?). Plus i thought that's what insurance was for - protecting against things you have no control over?
Bunch of slimey bastards.
Cheers, Phil
Actually I am almost serious - if you believe in god then everything is an act of God surely!?! (hence the 'Will of Allah' style driving in many Arab states?). Plus i thought that's what insurance was for - protecting against things you have no control over?
Bunch of slimey bastards.
Cheers, Phil
I don't see how they can justify someones medical condition as an act of god. Sounds like a standard insurance company con trick to me. Sue 'em.
As above, I don't believe in God, so I assume they will pay out for me no matter what. Actually, if my house was ever struck by lightning or a flood or something I would be very tempted to take 'em to court to PROVE that God destroyed my house........
>> Edited by Jason F on Thursday 19th September 06:41
As above, I don't believe in God, so I assume they will pay out for me no matter what. Actually, if my house was ever struck by lightning or a flood or something I would be very tempted to take 'em to court to PROVE that God destroyed my house........
>> Edited by Jason F on Thursday 19th September 06:41
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