Insurance companies are not bound in their payment decisions by the results of criminal court proceedings arising out of the incident in question.
That being said, if it comes to court, it is a civil action, where the level of proof required is 'on the balance of probabilities'.
I think you are covered there ...
In the meantime, they are going to try and minimise how much they are going to pay. So, it is probably worth having a try on and see what they might get (on the, every post a winner, theory).
It seems that, in this case, it's a real loser. But what have they expended? A couple of letters? So, worth a try. After all, they now make your side do the work and produce the evidence. So, even if it does not reduce their payment a cent, it has probably reduced their costs.
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Every post a winner (no pun intended)
Date: 2002-11-09 07:01 am (UTC)That being said, if it comes to court, it is a civil action, where the level of proof required is 'on the balance of probabilities'.
I think you are covered there ...
In the meantime, they are going to try and minimise how much they are going to pay. So, it is probably worth having a try on and see what they might get (on the, every post a winner, theory).
It seems that, in this case, it's a real loser. But what have they expended? A couple of letters? So, worth a try. After all, they now make your side do the work and produce the evidence. So, even if it does not reduce their payment a cent, it has probably reduced their costs.
Welcome to commerce, faceless, corporate style.