In a message dated 11/13/2008 9:22:52 P.M. Eastern Standard Time,
dmirror3@yahoo.com writes:
I suggest that you utilize the replacement option provided to you in your
policy. An insurance policy is a contract issued between two parties, and the
consumer should utilize every option as much as does the insurance company.
There is no fraud in collecting what is legally entitled to you.
I accepted their pointing out the the wordage in the policy, I can work with
the replacement option.
Your statement that the insurance company trusted your detailed list of
items lost is part of their gamble. When the insurance company received your
list
of items lost, they considered that list a Sworn Statement of Loss, a legal
oath so to speak, that you owned and lost said items. If fraud was suspected
by the insurance company, the Statement of Loss would be used as evidence
against you. I suspect that the list was delivered to you and returned as
requested, via US Mail. Fraud using the US Mail becomes a Federal Crime.
Actually all the non telephone correspondence has been via Fax, don't know
what my liability is in that medium. I checked and found they already contacted
some of the vendors I purchased from to verify prices.
As in any other dealing, I only want to know what the rules are when we
start and don't expect changes at half time with out notice. That was my
point.
Thanks for "coming out", I appreciate your input..This list IS The Best .
BOBW
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