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Topic Review (Newest First)
07-05-2013 07:40 PM
BlueRidgeYJ
Quote:
Originally Posted by bostiguy View Post
Good to know, thank you. Both my father and father-in-law are veterans. I'll look into it.
You absolutely need to switch. Your father earned it for ya.
07-05-2013 07:57 AM
bostiguy
Quote:
Originally Posted by aelwero View Post
They're pretty loose with it... If a parent, a sibling, grandparent, and maybe aunt/uncle has served, you probably qualify
Good to know, thank you. Both my father and father-in-law are veterans. I'll look into it.
07-04-2013 06:14 PM
n00g7
Quote:
Originally Posted by bostiguy View Post
I assume USAA is for military folks right? I don't qualify for that, would be nice though..
thanks for the tip and the defense against those who know all!
Yes, insurance and banking, they're awesome. About 1/2 price to insure my cars with USAA vs other companies.
07-04-2013 06:13 PM
aelwero
Quote:
Originally Posted by bostiguy View Post

I assume USAA is for military folks right? I don't qualify for that, would be nice though..
thanks for the tip and the defense against those who know all!
They're pretty loose with it... If a parent, a sibling, grandparent, and maybe aunt/uncle has served, you probably qualify
07-04-2013 05:25 PM
bostiguy
Quote:
Originally Posted by aelwero View Post
You totally did the right thing, and the smart thing. I called mine too, but had different results.

Do you qualify for USAA? They will even cover damages to or theft of our trampoline. If the wind tears it up, I can get the tramp replaced minus deductable.
I assume USAA is for military folks right? I don't qualify for that, would be nice though..
thanks for the tip and the defense against those who know all!
07-04-2013 04:24 AM
n00g7
Quote:
Originally Posted by aelwero View Post

It sounds great, but the reality is nowhere near that simple...
It's not their first rodeo, they have millions of customers and hundreds of thousands of claims, and you don't think they cover their ass, explicitly? Go read your policy and see what you think you can get away with.
07-04-2013 12:53 AM
aelwero
Quote:
Originally Posted by n00g7 View Post

What's the "huge" assumption?
This is the assumption...

Quote:
Originally Posted by n00g7 View Post
if insurance company didn't explicitly exclude what you want to do, you're good to go AND DO NOT ASK, you're well within your rights.

It sounds great, but the reality is nowhere near that simple...
07-03-2013 11:03 PM
n00g7
Quote:
Originally Posted by aelwero View Post
This is the most unrealistic advice I've ever seen on this forum...

You are making a huge assumption there... I won't tell you not to go with it, maybe when you roll your jeep going 2mph your "you didn't say I couldn't" defense will hold up...

For my 2˘... I'd say your opinion will likely last a whole 14 seconds in a courtroom...
What's the "huge" assumption? Your contract defines what's covered and what's not. If you rolled your jeep unintentionally and were operating it as intended under the policy, you would definitely be covered.

Call up your insurer right now and ask them whether your car is covered under your policy when you take it to the racetrack--even if you know it's not. Then we can all take bets on how quickly they drop you -- either verbally notified on the phone that instant or in however long it takes them to forward you to risk management and send out the letter, which may be awkward given the holiday.
07-03-2013 07:20 PM
aelwero
Quote:
Originally Posted by n00g7 View Post

Right thing for who? Do you work for Geico?

Another example: Hi Mr. Insurance Agent, I'm thinking about doing a high performance driving event on a racetrack, will you cover me if I crash, I didn't see anything relative to this in my insurance policy.

Expect to no longer be their customer in 1...2... NOW. If you had read it, saw nothing excluding the activity, and went and did it, you'd be covered. Now you're not, because you did "the right thing"? (nah) you were perfectly covered beforehand.

The simple lesson here is: the only thing you should communicate with is your contract, if insurance company didn't explicitly exclude what you want to do, you're good to go AND DO NOT ASK, you're well within your rights.
This is the most unrealistic advice I've ever seen on this forum...

You are making a huge assumption there... I won't tell you not to go with it, maybe when you roll your jeep going 2mph your "you didn't say I couldn't" defense will hold up...

For my 2˘... I'd say your opinion will likely last a whole 14 seconds in a courtroom...
07-02-2013 09:28 PM
n00g7
Quote:
Originally Posted by Wranglin4Life View Post
Dude, ease up off him and quit giving him shit about doing the right thing. Weather you agree with it or not, doing what he did was the right thing. He is trying to make sure his child is protected... You must not be a father.

Your comparing apples to oranges with the car insurance...
Right thing for who? Do you work for Geico?

Another example: Hi Mr. Insurance Agent, I'm thinking about doing a high performance driving event on a racetrack, will you cover me if I crash, I didn't see anything relative to this in my insurance policy.

Expect to no longer be their customer in 1...2... NOW. If you had read it, saw nothing excluding the activity, and went and did it, you'd be covered. Now you're not, because you did "the right thing"? (nah) you were perfectly covered beforehand.

The simple lesson here is: the only thing you should communicate with is your contract, if insurance company didn't explicitly exclude what you want to do, you're good to go AND DO NOT ASK, you're well within your rights.
07-02-2013 04:11 PM
Wranglin4Life
Quote:
Originally Posted by n00g7 View Post
It's a TRAMPOLINE! You don't inform your insurance company if you have guns in your house, why would you tell them you have a trampoline? Install it with maximum safety factor and use it, no reason to tell them. Do you call car insurance company every time you install some trinket?
Dude, ease up off him and quit giving him shit about doing the right thing. Weather you agree with it or not, doing what he did was the right thing. He is trying to make sure his child is protected... You must not be a father.

Your comparing apples to oranges with the car insurance...
07-01-2013 02:16 PM
n00g7
Quote:
Originally Posted by aelwero View Post
If the neighbors kid jumps your fence and breaks his neck on it, and you get sued, and your insurance company doesn't cover trampolines (and swimming pools, and swingsets, and treehouses, etc.) Then you're footing the bill for the damages, the court fees, the lawyer, etc...

That's what insurance is for. If you think the insurance company is such a bad thing, then why have insurance in the first place?

You don't tell them about your guns because insurance will never cover liability for them. If a neighbors kid gets a hold of your gun and shoots someone, or you fire your "unloaded" gunwhile cleaning it and injure a neighbor, you're going to jail for negligence... There's no accident factor with guns.
Umbrella insurance takes care of all of this, financially.
07-01-2013 02:06 PM
aelwero
Quote:
Originally Posted by n00g7 View Post

It's a TRAMPOLINE! You don't inform your insurance company if you have guns in your house, why would you tell them you have a trampoline? Install it with maximum safety factor and use it, no reason to tell them. Do you call car insurance company every time you install some trinket?
If the neighbors kid jumps your fence and breaks his neck on it, and you get sued, and your insurance company doesn't cover trampolines (and swimming pools, and swingsets, and treehouses, etc.) Then you're footing the bill for the damages, the court fees, the lawyer, etc...

That's what insurance is for. If you think the insurance company is such a bad thing, then why have insurance in the first place?

You don't tell them about your guns because insurance will never cover liability for them. If a neighbors kid gets a hold of your gun and shoots someone, or you fire your "unloaded" gunwhile cleaning it and injure a neighbor, you're going to jail for negligence... There's no accident factor with guns.
07-01-2013 01:35 PM
n00g7
Quote:
Originally Posted by aelwero View Post
You totally did the right thing, and the smart thing. I called mine too, but had different results.

Do you qualify for USAA? They will even cover damages to or theft of our trampoline. If the wind tears it up, I can get the tramp replaced minus deductable.

It's a TRAMPOLINE! You don't inform your insurance company if you have guns in your house, why would you tell them you have a trampoline? Install it with maximum safety factor and use it, no reason to tell them. Do you call car insurance company every time you install some trinket?
07-01-2013 02:51 AM
aelwero
Quote:
Originally Posted by bostiguy View Post
I appreciate any help that has been offered. But I want to explain to those who so easily say, "why would you call the insurance company?". I called because I thought I would be covered but just have to pay a little more on the premium. I thought I was doing the right thing. I thought I could have coverage for any accidents my daughter could have while playing.
Yes, in hindsight it was maybe a mistake but now I may be able to offer some insight to someone else and they won't repeat my mistake.
If anyone can either post or pm me an insurance company you think may cover a trampoline I would certainly appreciate it.
You totally did the right thing, and the smart thing. I called mine too, but had different results.

Do you qualify for USAA? They will even cover damages to or theft of our trampoline. If the wind tears it up, I can get the tramp replaced minus deductable.
06-30-2013 08:56 PM
bostiguy I appreciate any help that has been offered. But I want to explain to those who so easily say, "why would you call the insurance company?". I called because I thought I would be covered but just have to pay a little more on the premium. I thought I was doing the right thing. I thought I could have coverage for any accidents my daughter could have while playing.
Yes, in hindsight it was maybe a mistake but now I may be able to offer some insight to someone else and they won't repeat my mistake.
If anyone can either post or pm me an insurance company you think may cover a trampoline I would certainly appreciate it.
06-30-2013 03:03 PM
aelwero
Quote:
Originally Posted by n00g7 View Post
I will also say this, if you don't like driving children to the ER, don't keep the trampoline.
Lol. I'm much more likely to need a trip to the er than my kids... double backflips are a lot easier at 16 than at 40. I get all discombobulated and can't tell where down is.

The kids are all pretty cautious. Watching me land head first a couple times might have something to do with that
06-30-2013 01:40 PM
connochr My insurance company said no trampolines and no "aggressive breed dogs" or I will be dropped. Thats after being dropped by Allstate because I live in a "Hurricane zone" which apparently is the entire eastern shore of America. Insurance companies are great!!!
06-30-2013 01:19 PM
travillac Same here but our insurance just told us we could keep it IF we put the net around it. Funny thing is that it DID have it but my boys thought that meant wrestle mania cage matches all day and eventually tore it up so I removed it. Soooo that was the end of the trampoline. I put it in the free section on Craigslist and it was torn down and gone in about 30 mins of posting it.
06-30-2013 01:02 PM
Hoagie. Good call trying I would have tried to cover my a too that's a bummer though. Good heads up since I just bought a house!
06-30-2013 11:54 AM
n00g7 I will also say this, if you don't like driving children to the ER, don't keep the trampoline.
06-30-2013 10:53 AM
Titaness You are allowed to have a trampoline . You have that right just as the insurance company has the right not to cover you nor injuries that occur because of your choice. That's kind of the way it is. Before losing your homeowners scout around for others that cover trampolines and check if maybe it's a township issue. Sometimes, it's an issue with your township an not just the insurance company. Also, check if there are other safety measures that make this super fun play equipment acceptable. Maybe there is something more than just a net that will make it acceptable .
06-30-2013 10:10 AM
BlueRidgeYJ My honesty has handicapped me, too. It is such a shame we live in a society like that.

I, too, would look into new ins companies, if nothing else than due to how they handled this.

Fwiw, my brother broke his arm, twice, on our neighbors trampoline. The neighbor broke his arm, several fingers, and thumb, in (cumulatively) 5 incidents, so I get why they don't like em (and I am sure there were other claimable incidents I don't remember off hand). Of course, we had exposed springs and no nets on square trampolines - a different beast altogether. Before they could sell the house, the tramp got trashed and the pool got filled in.

Now my 4y.o. nephews have an inflatable slide and bounce castle, lmao. America is the first society EVER in history to view our children as a liability instead of an asset.
06-30-2013 07:56 AM
RoadiJeff Move the trampoline to a relative's back yard for a month or two. Take your daughter over there to play on it until then, explaining to her that it will be back soon.

As soon as it is moved tell your insurance company that you reconsidered the trampoline and you got rid of it, which you actually did. You just don't need to tell them for how long.

Of course you know that any accident which involves the trampoline will not be covered by your insurance, so consider the risk. You might not even be able to get an umbrella insurance policy with the trampoline. My insurance company will not give me one because they say my 1000cc motorcycle is a high performance sport bike.
06-30-2013 01:22 AM
aelwero
Quote:
Originally Posted by PhotoWrangler View Post
You cover your butt by posting a sign that says 'jump at your own risk', in case anyone decides to trespass and jump without your knowledge. Of course the whole trespassing thing should cover any liability.

And then you don't allow anyone jump on it that you would feel may sue you... in other words, only your child and family members are allowed.

Calling the insurance company for anything other than a damage claim is like painting a bulls-eye on your roof.
no amount of signs and fences will protect you from liability in that case... swimming pools, trampolines, swingsets, etc, are all considered "attractive nuisances", meaning by having them you are "tempting kids to trespass", and are liable for their stupidity... you have to take "reasonable care" to prevent access to the trampoline. All gates locked, fences high enough to prevent climbing over them, nothing lying around that could be used to climb the fence (boxes, trash cans, the little plastic garden hose reel... anything a kid could use as a boost).

I had the same discussion with the insurance folks about the trampoline AND the pool... mine will cover personal injury and death liability for anyone except my family (separate coverage for that), so long as I'm meeting the "reasonable care" standards.

calling the ins. co. wasn't a bad call if you ask me... a bad call would be continuing to give them your money There's plenty of others that will cover whatever you want/need them to.
06-30-2013 12:50 AM
PhotoWrangler
Quote:
Originally Posted by it_felt_so_good View Post
Being a nice guy in 2013 doesn't work anymore man. Lol. Sorry to hear.

Being a nice guy still works usually... in most situations.


But being a nice guy to a corporation who is out to screw you anyway, doesn't.
06-30-2013 12:20 AM
it_felt_so_good Being a nice guy in 2013 doesn't work anymore man. Lol. Sorry to hear.
06-29-2013 11:36 PM
PhotoWrangler
Quote:
Originally Posted by bostiguy View Post
Really though, it's all jokes until someone may get hurt, you know, an accident.


You cover your butt by posting a sign that says 'jump at your own risk', in case anyone decides to trespass and jump without your knowledge. Of course the whole trespassing thing should cover any liability.

And then you don't allow anyone jump on it that you would feel may sue you... in other words, only your child and family members are allowed.

Calling the insurance company for anything other than a damage claim is like painting a bulls-eye on your roof.
06-29-2013 11:32 PM
PhotoWrangler
Quote:
Originally Posted by n00g7 View Post
give it to your neighbor, they won't be silly enough to call their insurance company.

I don't mean it in a bad way, but why would you call them?


+1
06-29-2013 11:30 PM
Tweak When I was 14 or 15 my parents made me remove the diving board from our pool. I was heartbroken and they wouldnt tell me why. The worst part is that I was the one removing it, cutting the studs out of the cement. Now I know why LOL
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