Inland marine is on the 2023 agenda, I'm not a rich utah mormon like you where everything is made of gold, so I had to take baby steps.
That,of course depends on how many more of these "hey you damaged...." emails I get before then. I do feel bad for this guy, water apparently got bumped a few months back, just enough to crack a fitting. It puked this week. So water got shut off Wednesday and repaired today. I'm hoping he didnt host Thanksgiving. I'm going there tommorrow to verify it was us. I cant see that it wasnt based on what appears to be the pipe we put in in the pictures. Invoice lists overtime, so I assume its holiday weekend pay That made the bill so high On Fri, Nov 25, 2022, 5:34 PM Chuck McCown via AF <af@af.afmug.com> wrote: > I filed 2-3 claims, all on our Inland Marine Policy. We had a reel > trailer get stolen, we backed over our Underground Magnetics locator. Both > large claims. The policy did not increase afterwards. > > And we have had the odd workers comp claim now and then. > > And on our GL policy we had workers hit peoples parked cars a few times. > Nothing major. And I don’t recall the premium ever increasing for any of > them. But I have had many years of coverage so a pretty good record. I > highly recommend Inland Marine if you can afford it. It covers people > stealing from the back of your truck. It covers the machines on the > trailers if they get stolen or damaged during a wreck. Your regular auto > insurance will not do that. > > *From:* Steve Jones > *Sent:* Friday, November 25, 2022 3:30 PM > *To:* AnimalFarm Microwave Users Group > *Subject:* Re: [AFMUG] The Hartford claims > > When I was starting up, its was hard to get anyone to respond or get a > quote out because of all the variables. Hartford was recomended so i went > with them. But it seems you dont have an actual agent to talk to. > > I've never had a claim before so I dont know the consequenses of filing > one. > > > On Fri, Nov 25, 2022, 3:03 PM Chuck McCown via AF <af@af.afmug.com> wrote: > >> I don’t use them. I have always used an independent insurance agent that >> shop all the companies. My agent works for me and tries to save me money. >> So there is never a risk to visit about things. He also personally visits >> every single time there is some change in policies. On the very few >> occasions I have filed claims he fights for my case with whoever is >> underwriting the claim. >> >> *From:* Steve Jones >> *Sent:* Friday, November 25, 2022 12:26 PM >> *To:* AnimalFarm Microwave Users Group >> *Subject:* [AFMUG] The Hartford claims >> >> Any of you fine gents use the Hartford for general liability? >> >> Is there some method to talk to an agent with these guys without filing a >> claim? Calling just circles me to claims agents, and they wont tell me >> anything. >> Im just trying to find out what the impact of a small claim is with these >> guys and whether its best to just pay out of pocket if the liability does >> fall on me. >> I dont want to save a couple grand out of pocket to have my rates >> skyrocket or coverage cancelled since its a new account, but then again, I >> pay for more coverage than I need for what I do so its kind of a waste to >> not use it. >> >> If any of you guys have filed a claim with them, how smooth is the >> process? >> >> ------------------------------ >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > ------------------------------ > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com >
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