NationStates Jolt Archive

State Farm Insurance Renter's Policy
Section II Exclusions
g. bodily injury or property damage caused directly or indirectly by war, including undeclared war, or any warlike act including destruction or seizure or use for military purpose, or any consequence of these.
Discharge of a nuclear weapon shall be deemed a warlike act even if accidental;

So if I'm messing around with my iPod and accidentally set off the nuke I've got in my shed, not only am I in breach of the iTunes ToS, but I can't claim on insurance?

Crap. :(

So if I'm messing around with my iPod and accidentally set off the nuke I've got in my shed, not only am I in breach of the iTunes ToS, but I can't claim on insurance?

Crap. :(

shit better be carefull of the samething

I don't think its very fun though that almost all insurance policies really exclude covering civil disturbances, I heard that was an excuse for many insurance companies to not cover Hurricane Katrina victims.

Though I think it's understandable as to why it's done.

I don't think its very fun though that almost all insurance policies really exclude covering civil disturbances, I heard that was an excuse for many insurance companies to not cover Hurricane Katrina victims.

I've never understood the logic of American insurance companies. I work for an Australian finance company and we actually extended our cover when Cyclone Larry hit North Queensland. In addition to hiring more staff and opening longer to process claims faster. The PR and goodwill generated have seen a huge influx in insurance sales, even though whilst being competitive, our premiums fall well short of being the cheapest

It is a business after all, they are trying to make money and giving people good protection doesn't let that happen. Your house gets damaged in the wrong kind of way and you are shit out of luck.


I find it amusing that Nationwide had those "life comes at you fast" commercials, especially that one where a "hilarious" chain of events causes a boat to come crashing through a guy's roof and hey, you need insurance! As if that would be covered and not declared an "act of God" and having you cut adrift. Yeah...

*mutters other unpleasant comments*

I've never understood the logic of American insurance companies. I work for an Australian finance company and we actually extended our cover when Cyclone Larry hit North Queensland. In addition to hiring more staff and opening longer to process claims faster. The PR and goodwill generated have seen a huge influx in insurance sales, even though whilst being competitive, our premiums fall well short of being the cheapest

Because they are banking (literally) on NOT having to pay off.
My friend was seatbelted and a passenger in a car. They were hit, from behind, by a schoolbus that ran a red light.

Her medical insurance did not want to cover the MRI to see what was wrong with her back, and said there was NOTHING WRONG WITH HER. Her chiropractor provided X-rays that clearly showed three ruptured disks and a slipped one in her back, but they continued to insist on the basis of a two minute exam in which she was basically looked at and told, "you're fine" that they would not pay for PT, surgery, or care of any kind.

I think that's just disgusting, myself. Miss a payment and you have no coverage -- need the coverage and they look for ways to fuck you over.

Her lawyer, however, believes that they will ultimately pay for her care.

You know.. they spend more on legal fees than they would if they pay out. It is BS...

I'm going to sell Meteor Insurance... anyone interested?

You know.. they spend more on legal fees than they would if they pay out. It is BS...

I'm going to seel Meteor Insurance... anyone interested?

No I'm just going to do what any insurance company would do, reach into my pockets take my money, then burn it, and then fill my empty pockets with scorpions and hope nothing bad happens...

No I'm just going to do what any insurance company would do, reach into my pockets take my money, then burn it, and then fill my empty pockets with scorpions and hope nothing bad happens...

Are you sure? Its going to be cheap at only $2 a month! The only provision for the policy as that your property is within the atmosphere of the planet you reside on at the time of impact...

Are you sure? Its going to be cheap at only $2 a month! The only provision for the policy as that your property is within the atmosphere of the planet you reside on at the time of impact...

...I'll stick with the scorpions...

Are you sure? Its going to be cheap at only $2 a month! The only provision for the policy as that your property is within the atmosphere of the planet you reside on at the time of impact...

For purposes of discussion, what does your company define as a meteor?

You know a Meteor, a rock from outer space that gets caught in a planet's gravity and heads toward it at a high velocity, eventually reaching the atmosphere.

For purposes of discussion, what does your company define as a meteor?

As long as he excludes meteorites he's onto a winner.

You know a Meteor, a rock from outer space that gets caught in a planet's gravity and heads toward it at a high velocity, eventually reaching the atmosphere.

How about if one of these crashes into your house?

http://www.aerospaceweb.org/question/history/jet/meteor.jpg

Methinks your small print needs some work.

As long as he excludes meterites he's onto a winner.

Smart people like you will of course be bribed to remain silent...;)

How about if one of these crashes into your house?

http://www.aerospaceweb.org/question/history/jet/meteor.jpg

Methinks your small print needs some work.

Awww but that is a jet, not covered by our policy.

Awww but that is a jet, not covered by our policy.

Yes, a jet call a Meteor. ;)

Yes, a jet call a Meteor. ;)

But its not a rock... one could argue it is a mineral but it doesn't originate from alien space. I got it covered, beleive me!

Awww but that is a jet, not covered by our policy.

Covered by mine though...and anything that drops out of an aircraft we're covered for too.

So those C-130's that fly over the house every day...if they dump a Land Rover out the back and it lands on the house, the insurance company will take care of it. Same case if the C-130 itself hits the house. Or any part of the C-130 for that matter. Like a propeller. Or a wheel. Or the pilot.

Don't think we're covered for war, though.

Covered by mine though...and anything that drops out of an aircraft we're covered for too.

So those C-130's that fly over the house every day...if they dump a Land Rover out the back and it lands on the house, the insurance company will take care of it. Same case if the C-130 itself hits the house. Or any part of the C-130 for that matter. Like a propeller. Or a wheel. Or the pilot.

Don't think we're covered for war, though.

So if an AA gun shot down the very same c-130 that hit your house you wouldn't be covered?

So if an AA gun shot down the very same c-130 that hit your house you wouldn't be covered?

Not sure. I think we would be, as the plane hit the house.

I'll hunt down the smallprint later, and let you folks know.

It is a business after all, they are trying to make money and giving people good protection doesn't let that happen. Your house gets damaged in the wrong kind of way and you are shit out of luck.


I find it amusing that Nationwide had those "life comes at you fast" commercials, especially that one where a "hilarious" chain of events causes a boat to come crashing through a guy's roof and hey, you need insurance! As if that would be covered and not declared an "act of God" and having you cut adrift. Yeah...

*mutters other unpleasant comments*

In Columbus, Nationwide has some absolutely amazing building-length advertisements...most recent is a combined ad with a paint company. On the first building on the left it's an ad for the paint company, the middle building, the middle building though looks like the paint cans from the first ad have been tipped over and spilled all the way down the building. The third building on the right has "Nationwide: Life Comes At You Fast" with all sorts of spilled looking green paint on it.

Yeah...poor description.