Insurance

According to Merriam-Webster, the definition of insurance is: an agreement in which a person makes regular payments to a company and the company promises to pay money if the person is injured or dies, or to pay money equal to the value of something (house or car) if it is damaged, lost , or stolen.

Insurance is supposed to minimize risks in life like accidents, fires, or theft.  So than why do insurance companies always try to find ways NOT to pay?

I was given the statement: Liability is adverse to the plaintiff, even if there was coverage and so the bottom line is, there will be no money to offer for settlement.  What does that mean?  The plaintiff in this case is a driver of the vehicle, who was 'on the clock' for work and hit a pedestrian, walking her dog, and left the scene to complete her job.

I wish this whole ordeal was over - it's just making me angry - instead of sad.

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