The Cellar  

Go Back   The Cellar > Main > Home Base

Home Base A starting point, and place for threads don't seem to belong anywhere else

Reply
 
Thread Tools Display Modes
Old 09-28-2016, 08:35 PM   #2971
sexobon
I love it when a plan comes together.
 
Join Date: Oct 2009
Posts: 9,793
Quote:
Originally Posted by BigV View Post
I wish Urbane Guerilla was actively posting here this political season. themercenary too...
But not Jill and Starring_Emma? That's discrimination.
sexobon is offline   Reply With Quote
Old 09-28-2016, 08:36 PM   #2972
BigV
Goon Squad Leader
 
Join Date: Nov 2004
Location: Seattle
Posts: 27,063
I discriminate.
__________________
Be Just and Fear Not.
BigV is offline   Reply With Quote
Old 09-28-2016, 09:10 PM   #2973
lumberjim
I can hear my ears
 
Join Date: Oct 2003
Posts: 25,571
How about Radar. I might be able to find him
__________________
This body holding me reminds me of my own mortality
Embrace this moment, remember
We are eternal, all this pain is an illusion ~MJKeenan
lumberjim is offline   Reply With Quote
Old 09-28-2016, 09:15 PM   #2974
monster
I hear them call the tide
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 30,852
zengum :/
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Old 09-29-2016, 06:29 AM   #2975
Sundae
polaroid of perfection
 
Join Date: Sep 2005
Location: West Yorkshire
Posts: 24,185
I miss rkzenenrage. And the Merc.
I didn't always agree with them. Not personally or politically. But I felt that when they weren't making personal attacks they really added something to the Cellar.
__________________
Life's hard you know, so strike a pose on a Cadillac
Sundae is offline   Reply With Quote
Old 09-29-2016, 08:18 AM   #2976
limey
Encroaching on your decrees
 
Join Date: Feb 2004
Location: An island within the south-west coast of Scotland
Posts: 7,016
Quote:
Originally Posted by DanaC View Post
I suspect that health insurance is a little different to home insurance. I know pet insurance and motor insurance are quite different in terms of industry norms in how things are done. The way that risk is calculated and taken account of is a little different. There's even a lot of difference between the way insurance works for landlord property insurance versus homeowner property insurance.

The difference with health insurance, as with pet insurance is that there is an assumption that all policy holders will, at some point, need to claim, and that the rate of claim will increase with age. With home insurance there is an assumption that only a percentage of policy holders will need to claim, and that of policyholders who do need to claim, a percentage will claim one off, and a percentage will claim multiple times, and that a percentage will claim quite small, whilst a percentage will claim big.

Home insurance is supposed to be there if you need it, as long as there was an insurable event covered under your policy. Health insurance is supposed to be there when you need it.

I used to assume that insurance companies (home insurance, not health insurance) just looked for reasons to not pay out, but my experience, both as a customer who had to claim on pet insurance and now as a trainee claims handler (well, just claims handler now :P) is that the approach is more about precision than anything. The basic principle is that they set out, as an insurer, their appetite for risk, and offer cover for specified and generally defined perils and their effects, to specified limits and with an agreed excess and set of conditions. Most of those conditions are common sense - such as maintenance of a roof. In insurance terms, there is a vast difference between a storm of sufficient intensity damaging your roof, and a roof that hasn't been maintained in two decades, and the tiles of which are already loose, springing a leak from an average rainfall. The first is an unforeseen event, and the latter is a predictable consequence of not getting a roofer in.

The basic principle is to indemnify the customer - put them back in the place they were before the unforeseen event happened. That means sometimes, if there's enough wriggle room written into the policy, then best practice is to try to make it happen within the terms of the policy - would you class a hearing aid as a 'personal item' or a piece of 'technology and entertainment e.g audio device'? It isn't specifically mentioned as either...which means it isn't specifically excluded from either cover option.

I spend way more of my time (as do most of the handlers I have seen working) trying to make a claim happen than trying to knock it back.

Sometimes the indemnity mission can lead to things that might seem unfair, or maddeningly pedantic to some. Like if one chair in a matching set is damaged can't be repaired, or can be repaired but will not look the same as the remaining set of chairs - is it indemnifying the customer to completely renew the entire set? Are we then paying for a customer who has damaged a chair to have a complete upgrade of their furniture? On the other hand, if we restore them to the position of having a complete set of furniture, but one piece no longer matches the others, then have we actually indemnified them? They are no longer in the position of having a matching set of chairs ;p
Dang, gurrrl! You almost make it sound interesting!
__________________
Living it up on the edge ... of civilisation, within the southwest coast of
limey is offline   Reply With Quote
Old 09-29-2016, 01:28 PM   #2977
Gravdigr
The Un-Tuckian
 
Join Date: Apr 2007
Location: South Central...KY that is
Posts: 39,517
Quote:
Originally Posted by Sundae View Post
But I felt that when they weren't making or receiving personal attacks they really added something to the Cellar.
Fixed that.
__________________


These statements have not been evaluated by the FDA, EPA, FBI, DEA, CDC, or FDIC. These statements are not intended to diagnose, cause, treat, cure, or prevent any disease. If you feel you have been harmed/offended by, or, disagree with any of the above statements or images, please feel free to fuck right off.
Gravdigr is offline   Reply With Quote
Old 09-29-2016, 01:28 PM   #2978
Gravdigr
The Un-Tuckian
 
Join Date: Apr 2007
Location: South Central...KY that is
Posts: 39,517
I miss Zengum.

And Merc.
__________________


These statements have not been evaluated by the FDA, EPA, FBI, DEA, CDC, or FDIC. These statements are not intended to diagnose, cause, treat, cure, or prevent any disease. If you feel you have been harmed/offended by, or, disagree with any of the above statements or images, please feel free to fuck right off.
Gravdigr is offline   Reply With Quote
Old 09-29-2016, 08:34 PM   #2979
footfootfoot
To shreds, you say?
 
Join Date: Aug 2004
Location: in the house and on the street-how many, many feet we meet!
Posts: 18,449
Yeah Zengum. I'm in touch with his pal Casimendocina
__________________
The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs
footfootfoot is offline   Reply With Quote
Old 11-01-2016, 11:53 AM   #2980
classicman
barely disguised asshole, keeper of all that is holy.
 
Join Date: Nov 2007
Posts: 23,401
Been worried about Busterb for awhile now.
Anyone in touch with him?
__________________
"like strapping a pillow on a bull in a china shop" Bullitt
classicman is offline   Reply With Quote
Old 11-02-2016, 12:14 PM   #2981
Gravdigr
The Un-Tuckian
 
Join Date: Apr 2007
Location: South Central...KY that is
Posts: 39,517
I think Buster was having computer issues , but, that's been a few months ago, now.

His profile page shows his last post June 30, but last activity on Oct 13.
__________________


These statements have not been evaluated by the FDA, EPA, FBI, DEA, CDC, or FDIC. These statements are not intended to diagnose, cause, treat, cure, or prevent any disease. If you feel you have been harmed/offended by, or, disagree with any of the above statements or images, please feel free to fuck right off.
Gravdigr is offline   Reply With Quote
Old 11-02-2016, 03:35 PM   #2982
classicman
barely disguised asshole, keeper of all that is holy.
 
Join Date: Nov 2007
Posts: 23,401
I saw that also.
__________________
"like strapping a pillow on a bull in a china shop" Bullitt
classicman is offline   Reply With Quote
Old 12-03-2016, 06:03 PM   #2983
classicman
barely disguised asshole, keeper of all that is holy.
 
Join Date: Nov 2007
Posts: 23,401
Now it says last activity 11/30/16 WTF busterb... Post please.
__________________
"like strapping a pillow on a bull in a china shop" Bullitt
classicman is offline   Reply With Quote
Old 12-24-2016, 08:05 AM   #2984
monster
I hear them call the tide
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 30,852
Danac hasn't been around much. Her last post was over a week ago. I know that's not very long. but I'm a little worried
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Old 12-24-2016, 08:29 AM   #2985
infinite monkey
Person who doesn't update the user title
 
Join Date: Mar 2011
Posts: 13,002
That is so weird because last night i was thinking the same thing and made a.mental note to ask about her today.

Dana, please pick up the white courtesy phone (Airplane reference. )
infinite monkey is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

All times are GMT -5. The time now is 10:34 AM.


Powered by: vBulletin Version 3.8.1
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.