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Business is business, but really?

Discussion in 'DIRECTV General Discussion' started by eblong, Jun 14, 2013.

  1. Rich

    Rich DBSTalk Club DBSTalk Club

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    I just got thru with a huge argument with my home insurer. When Sandy hit (could have been the storm before it, not sure) my meter pan began flashing across the stabs and I had to put a new electrical panel in my house quickly, before the house burned down. Cost a bit less than 5 grand. After the installation I called my insurer and was told it was an act of God. Called back a few days later and got the same answer. OK, losing 5 grand isn't that big a deal with me, but it really aggravated me.

    I waited and waited for them to ask me for something and it finally happened a couple months ago. They wanted me to put my car insurance under them. Called them up and asked if every accident was considered an act of God and told them to shove the car insurance idea. They just kept sending them and we got the house insurance renewal. I called up to tell them we'd be going with another carrier and quickly got transferred to their Claims department. First question I asked was, "are you religious?" and the CSR said she was. I then explained what had happened and was told that was ridiculous. Not according to your people, 2 of them told me it was an act of God. She explained how things work with home insurance and there really isn't much that's called an act of God. Had my 5 grand back within a week.

    Think about this: If you believe in God, how can anything not be an act of God?

    Rich
     
  2. Rich

    Rich DBSTalk Club DBSTalk Club

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    Unfortunately "free" has lost it's meaning. Free means unencumbered by anything.

    Rich
     
    1 person likes this.
  3. Rich

    Rich DBSTalk Club DBSTalk Club

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    What do you think "act of God" means? My insurer sure wasn't positive about the meaning.

    Rich
     
  4. Rich

    Rich DBSTalk Club DBSTalk Club

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    That's exactly what caused my problem with my insurer.

    Rich
     
  5. Rich

    Rich DBSTalk Club DBSTalk Club

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    No, it was a difference in potential that caused the lightning strike. Every lightning strike is caused by that.

    Rich
     
  6. peds48

    peds48 Genius.

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    What do you think "act of God" means? My insurer sure wasn't positive about the meaning.

    Rich


    This has nothing to do with religion, it is just a legal term.

    http://en.wikipedia.org/wiki/Act_of_God
     
  7. Rich

    Rich DBSTalk Club DBSTalk Club

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    That's a pretty ambiguous article. I think it's just used as a ploy for insurance companies to get out of paying when disasters hit. My father was an insurance agent for many years and I know the company he worked for used it every chance they got.

    Rich
     
  8. peds48

    peds48 Genius.

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    That's a pretty ambiguous article. I think it's just used as a ploy for insurance companies to get out of paying when disasters hit. My father was an insurance agent for many years and I know the company he worked for used it every chance they got.

    Rich


    Point was that it has nothing to do with religion
     
  9. Laxguy

    Laxguy Honi Soit Qui Mal Y Pense.

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    Right, and even less to do with spirituality.

    Force majeur is another good one. Usually, both are defined in the documentation of the insurance or loan.
     
  10. Rich

    Rich DBSTalk Club DBSTalk Club

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    I got your point. Nothing that changes my mind.

    Rich
     
  11. Rich

    Rich DBSTalk Club DBSTalk Club

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    And yet, the claims agent I spoke to couldn't give me one instance of it. I still think it's a ploy.

    Rich
     
  12. mrdobolina

    mrdobolina AllStar

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    I live in Colorado (outside of Denver, nowhere near any fires) and just last week my wife asked the question "What would you take if we had to evacuate?" She jokingly added "You'd probably take the satellite receivers." I denied it and just said we'd take as much of the unreplaceable stuff we could.

    Then this bruhaha happens, and my wife tells me about it with outrage in her voice. I told her about the mistake and how DirecTV has policies about how to really handle it. Then I added "But just in case, I change my answer. I WILL grab the receivers if we ever have to evacuate!".
     
  13. JosephB

    JosephB Icon

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    This comes up literally every time there is some big disaster. THIS IS WHY YOU HAVE HOMEOWNERS OR RENTERS INSURANCE. This happens all the time with individual house fires or burglaries, but they don't get publicized. This is a big event, a reporter needs a story to file, so let's show how evil the big corporations are. In reality if you call and escalate you can get collections put off, accounts put on hold, and in many cases you can just get it waived completely. If not you file it on your insurance and pay DirecTV for their equipment you lost.

    The bank isn't going to write off your mortgage because your house is gone, why would any other company be expected to act differently?
     
  14. Bill Broderick

    Bill Broderick Icon

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    Where in the article does it say that DirecTV is asking for an immediate payment? Unless the article has been changed between the time that you and I read it, it appears that you have an issue with something that hasn't been reported.
     
  15. trh

    trh This Space for Sale

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    I have a question about how insurance is paid out after a total loss. Do the homeowners have to document all their items or is their a lump-sum based on their policy?

    In other words, is the homeowner going to get the same amount regardless of whether DirecTV collects their non-returned equipment fee or whether they waive it?
     
  16. peds48

    peds48 Genius.

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    I got your point. Nothing that changes my mind.

    Rich


    It was not made to change your mind. more like to inform other folks of the issue
     
  17. peds48

    peds48 Genius.

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    The bank isn't going to write off your mortgage because your house is gone, why would any other company be expected to act differently?


    EXACTLY. why then have insurance if you can "pity" the bank to get the mortgage waived.
     
  18. dpeters11

    dpeters11 Hall Of Fame

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    DirecTV has a stated natural disaster policy. If the policy is to write off equipment losses from a declared disaster, then that's what needs to happen every time, and all csr's should know the policy. It gets worked out in the end, but the customer shouldn't have to go through hoops to get that.
     
  19. goinsleeper

    goinsleeper Godfather

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    I thought the end of the article was a little vague. It says he was given the information and got upset and hung up. I take it he then got in touch with someone to express his position of the interaction so it could be posted online. I wonder if any of the facts were modified by him out of spite. Hopefully not but D* has plenty of ways to make sure he's not paying out money he needs after a disaster like this.
     
  20. Rich

    Rich DBSTalk Club DBSTalk Club

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    I get a lump sum. Liberty Mutual.

    Rich
     

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