> Jim,
>
> You state that you make your living by "saying this" but you seem to omit
> your profession. Please illuminate. It sounds as if you are a
professional
> obfuscator.
>
> You defy us to find a lawyer who can answer questions by reading the
policy.
> You promise us that no good insurance company will answer us in writing
and
> only an agent/broker who is dumb enough will. Oh and by the way only
judges
> know the answer but you have to go to court.
>
> Masterful obfuscation in my written opinion. (:;:<)) (bald with double
> chin winking through trifocals for the emoticon challenged)
>
> Pat Ryan
> Insured by Parish and LLoyds and comfortably numb.
>
>
>
> ----- Original Message -----
> From: Jim & Ann Brown <thebrowns@pdq.net>
> To: <DonJQueen@aol.com>; <DWhitesdJr@aol.com>;
<vintage-race@autox.team.net>
> Sent: Wednesday, July 28, 1999 6:53 PM
> Subject: Re: Collector Car Insurance Advice
>
>
> > Don,
> >
> > I will venture my humble opinion on your question, which is a good one.
> The
> > question is good -- not necessarily my opinion. :-) It is an important
> > question, and I hope it merits my talking too much.
> >
> > One should never depend upon vague ambiguous general words in the
> > boilerplate of insurance policies to cover some relatively unusual loss
> > which may be sustained. Although a lawyer may quote you some
foolishness
> > about ambiguous boilerplate being interpreted by the courts adversely to
> the
> > ones who wrote it, that is, the insurance company, I defy you to find a
> > lawyer who can answer your questions on the basis of only reading your
> > policy and thereby put his reputation on the line. Besides, this rule
is
> > one for judges, and judges do not get involved unless you get into
court,
> > and that is expensive. (Why am I saying this? -- this is how I make my
> > living).
> >
> > If you have a question about what your insurance policy, or a policy you
> are
> > considering purchasing, means, ask the people selling you the policy.
> Have
> > them put the answer in writing. In general you will not be able to get
> the
> > insurance company itself to do this unless you are dealing with other
than
> > the big run-of-the-mill company, but sometimes you can find an
> agent/broker
> > dumb enough to give you a written opinion. If you cannot get a written
> > opinion then they have told you something -- they have told you
something
> > very important which you should be listening to carefully. Also, even
if
> > you get a written opinion from an agent/broker you may, repeat "may," in
> the
> > final analysis, be depending upon the protection given by his personal
> > assets, rather than those of the insurance company.
> >
> > Don't forget that you have things at risk when you run your little
elderly
> > car around a race track other than just the value of the car itself.
Race
> > cars, even those with modern bits and pieces making them go and stop,
have
> > injured and killed innocent bystanders -- and they have done this after
> the
> > driver did something dumb.
> >
> > Bottom line -- if you have a serious question such as you have asked
here
> > see your lawyer. I am making only general observations in an incomplete
> > factual situation, and you certainly must not rely on my scribbling as
> legal
> > advice -- consult your own lawyer. You may be glad some day.
> >
> > All the best,
> >
> > Jim Brown
> > Houston
> >
> >
> > -----Original Message-----
> > From: DonJQueen@aol.com <DonJQueen@aol.com>
> > To: DWhitesdJr@aol.com <DWhitesdJr@aol.com>; vintage-race@autox.team.net
> > <vintage-race@autox.team.net>
> > Date: Wednesday, July 28, 1999 10:58 AM
> > Subject: Re: Collector Car Insurance Advice
> >
> >
> > >In a message dated 07/28/1999 7:45:34 AM Pacific Daylight Time,
> > >DWhitesdJr@aol.com writes:
> > >
> > ><< As a lawyer, I do a considerable amount of insurance coverage
dispute
> > >work,
> > > and I see way too much litigation over misunderstandings like the one
> Don
> > > has. My advice would be to go to a pro who specializes in these types
> of
> > > risks. Parish Insurance and Heacock Insurance are the top pros in
> vintage
> > > race and specialty car coverage.
> > > >>
> > >
> > >This is a great discussion. I've been in the insurance business for
> almost
> > 40
> > >years and apparently even I, "the self appointed expert", have the
terms
> > >reversed.
> > >
> > >The important part is that the terms are discussed and understood by
the
> > >readers of this list.
> > >
> > >Another issue that merits clarification is where the "competitive
event"
> > >begins. In the parking lot ? The paddock?, pregrid?. Are parade laps by
> > clubs
> > >covered?
> > >
> > >Don Queen
> > >56/64 Alfa Spider
> >
> >
> >
>
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