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Proteus Jones posted:Well sure, but the insurance company is going to take whoever did it to court to recoup the payout. They're often also going to want to see a police report before they'll pay up.
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May 5, 2018 06:03
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Proteus Jones posted:Well sure, but the insurance company is going to take whoever did it to court to recoup the payout. I meant, won't the person who did this have liability insurance? He'll probably have to pay higher premiums, but he won't have to pay for the door itself.
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May 5, 2018 06:07
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pidan posted:I meant, won't the person who did this have liability insurance? He'll probably have to pay higher premiums, but he won't have to pay for the door itself. What liability insurance covers "broke down a glass door in a shop", though? Who takes out that kind of insurance?
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May 5, 2018 06:20
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Jurors sick of hearing about prison guard’s huge, stinky penis
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May 5, 2018 06:37
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Absurd Alhazred posted:What liability insurance covers "broke down a glass door in a shop", though? Who takes out that kind of insurance? I'm not sure I'm using the right term, because I'm not in the US. Here it's called Privathaftpflichtversicherung and basically everybody has it, most people won't allow you to rent anything of value if you don't. Covering damage you do to other people's property in a way that you'd normally have to pay them is exactly what that kind of insurance is all about. Here's an unrelated headline:  Knives, Knives, Knives
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May 5, 2018 06:44
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pidan posted:I'm not sure I'm using the right term, because I'm not in the US. Here it's called Privathaftpflichtversicherung and basically everybody has it, most people won't allow you to rent anything of value if you don't. Covering damage you do to other people's property in a way that you'd normally have to pay them is exactly what that kind of insurance is all about. You can get renter's insurance in the US if you're renting. Some places will force you to get some coverage to rent. There's car insurance, various types of home insurance, insurance for businesses, employer's compensation, etc. But for damages done to some random store on the street? I don't think there's something like that here. Moreover, if I'm reading the relevant section in the wikipedia entry correctly, you wouldn't be able to cover this because of mens rea - if the guy intentionally broke that door in anger, rather than negligently or unavoidably, then no insurance would cover it.
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May 5, 2018 06:52
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Absurd Alhazred posted:You can get renter's insurance in the US if you're renting. Some places will force you to get some coverage to rent. There's car insurance, various types of home insurance, insurance for businesses, employer's compensation, etc. But for damages done to some random store on the street? I don't think there's something like that here. Moreover, if I'm reading the relevant section in the wikipedia entry correctly, you wouldn't be able to cover this because of mens rea - if the guy intentionally broke that door in anger, rather than negligently or unavoidably, then no insurance would cover it.
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May 5, 2018 07:02
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wheatpuppy posted:Most renters and homeowners insurance does include liability insurance that would cover the policyholder for damage they are liable for, even if it happens in a shop. That coverage may or may not have exclusions for intentional acts, but a court might determine it should be covered anyway because he had a reasonable right to expect a door in a retail establishment could handle getting slammed without breaking. Could you show me a single policy that covers you damaging property nowhere near your home?
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May 5, 2018 07:04
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liability insurance is like when you have a car and you smash it into someone/something. thats your liability that you paid some dollars for maybe afaik?
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May 5, 2018 07:14
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Absurd Alhazred posted:Could you show me a single policy that covers you damaging property nowhere near your home? https://en.m.wikipedia.org/wiki/Home_insurance Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. I will see if I have actual contract language as an example. Edit: Here is an example from a TX contract. It doesn't set any limits on the location of an incident, just the liability. "Section II—Family Liability And Guest Medical Protection Family Liability Protection–Coverage X Losses We Cover Under Coverage X: Subject to the terms, conditions and limitations of this policy, “we” will pay damages which an “insured person” becomes legally obligated to pay because of “bodily injury” or “property damage” arising from an “occurrence” to which this policy applies, and is covered by this part of the policy." And here's the bit that could be used to exclude Door Dude, depending if it is determined that he could reasonably expect his actions to cause damage. "Losses We Do Not Cover Under Coverage X: 1. “We” do not cover any “bodily injury” or “property damage” intended by, or which may reasonably be expected to result from the intentional or criminal acts or omissions of, any “insured person”. This exclusion applies even if: a) such “insured person” lacks the mental capacity to govern his or her conduct; b) such “bodily injury” or “property damage” is of a different kind or degree than intended or reasonably expected; or c) such “bodily injury” or “property damage” is sustained by a different person than intended or reasonably expected. This exclusion applies regardless of whether such “insured person” is actually charged with, or convicted of, a crime." wheatpuppy has a new favorite as of 07:32 on May 5, 2018 |
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May 5, 2018 07:22
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i lack the vocabulary. i just know that id have to have a car liability insurance if i had a car the rest is taken care of, in the first world anyway (sorry i cant help it)
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May 5, 2018 07:27
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The idea about mandatory liability insurance for car owners is not to protect your own rear end, but other people’s asses. So if you wreck somebody else’s poo poo with your car, them receiving money for the damages is guaranteed, even if your reckless rear end is also a broke rear end. Assssssss
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May 5, 2018 07:42
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wheatpuppy posted:Well I mean here's the basic info from Wikipedia: Policy Territory refers to the covered property, the policy is completely bounded by the borders of your personal property (i.e. the land, house and any structures) This does not extend it cover events that occur at any other location. The only thing I know of (which I exercised once) is a portable electronics rider, which covers theft and breakage of personal and portable electronics like a phone or laptop.
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May 5, 2018 07:45
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It’s kind of lovely that you can have a piece of glass in a place that is open to the public, expect that object to be handled by the public, but if they break it lol whoops it may cost more than you make in a year and you’re liable for it. 
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May 5, 2018 08:26
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Platystemon posted:It’s kind of lovely that you can have a piece of glass in a place that is open to the public, expect that object to be handled by the public, but if they break it lol whoops it may cost more than you make in a year and you’re liable for it. he's a lawyer and it's an apple store they are both in the wrong somehow.
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May 5, 2018 08:32
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Platystemon posted:It’s kind of lovely that you can have a piece of glass in a place that is open to the public, expect that object to be handled by the public, but if they break it lol whoops it may cost more than you make in a year and you’re liable for it. It's not like Apple doesn't already have form: 
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May 5, 2018 08:34
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I simply cannot see that as anything but a single shattered glass panel hanging from a free-standing L-shaped support and surrounded on all four sides by a tape barrier.
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May 5, 2018 08:39
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Pookah posted:I simply cannot see that as anything but a single shattered glass panel hanging from a free-standing L-shaped support and surrounded on all four sides by a tape barrier. I honestly thought it was an art installation at first
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May 5, 2018 09:00
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Platystemon posted:It’s kind of lovely that you can have a piece of glass in a place that is open to the public, expect that object to be handled by the public, but if they break it lol whoops it may cost more than you make in a year and you’re liable for it. Somehow I doubt he makes less than $20k a year.
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May 5, 2018 09:37
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This particular guy may have deserved it. I’m just saying that to a certain extent, if you put an unassuming, expensive, and fragile object in public, that’s on you. It should be considered negligent. If I have a Ming vase in my home, I’m using it to hold bumbershoots, and a guest breaks it, how can I expect them to pay for it? I didn’t warn them of its immense value. I should have had the vase behind bulletproof glass and the bumbershoots in a tin pot.
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May 5, 2018 10:02
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What the gently caress is a bumbershoot
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May 5, 2018 10:18
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il_cornuto posted:What the gently caress is a bumbershoot It’s like a brolly, a parapluie, or a gamp.
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May 5, 2018 10:20
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Platystemon posted:It’s like a brolly, a parapluie, or a gamp. Do you live in a fantasy book?
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May 5, 2018 11:33
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Platystemon posted:It’s like a brolly, a parapluie, or a gamp. Nah, more like a suarim, or a vourerre. It's also sorta nimferesque, although lots would debate me on that. They'de be wrong, of course, but there you go.
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May 5, 2018 11:35
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Aesop Poprock posted:Do you live in a fantasy book? Let me put it this way:  In my reality, this guy is the leader of the free world.
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May 5, 2018 11:39
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Pick a better author IMO, This one is can't write a character arc to save his life.
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May 5, 2018 12:01
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imo the implications of the storyline are so despairing that the only joyful moments of paying attention are the insanely badly written plot twists
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May 5, 2018 12:44
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So George R.R. martin without the intriguing plot structure and world crafting. E: still plenty of horrible incest, allegedly.
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May 5, 2018 13:05
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pidan posted:Knives, Knives, Knives https://www.youtube.com/watch?v=YZNkz1V5ahU&t=29s
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May 5, 2018 13:25
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Platystemon posted:Let me put it this way:
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May 5, 2018 13:55
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Horrible Lurkbeast posted:So George R.R. martin without the intriguing plot structure and world crafting. yea p much, the incest reveal wont come until next
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May 5, 2018 14:05
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Splicer posted:Huh, in mine he's just in charge of the US. The free world mainly laughs at him. It's true that the President of the United States of America wields no power or influence outside of his own borders, so the rest of the world is safe to laugh about it.
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May 5, 2018 14:08
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actually we laugh in the hopes that he will freak out and nuke the poo poo out of the planet
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May 5, 2018 14:13
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The rest of the free world after Putin put his dick in the US election:
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May 5, 2018 14:15
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Veni Vidi Ameche! posted:It's true that the President of the United States of America wields no power or influence outside of his own borders, so the rest of the world is safe to laugh about it.
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May 5, 2018 14:15
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Krankenstyle posted:actually we laugh in the hopes that he will freak out and nuke the poo poo out of the planet The Chairmen of the Joint Chiefs of Staff: [leans forward] Mr. President... have you tried turning it off and back on, again?
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May 5, 2018 14:18
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It's true the President wields power outside of his country's borders, but don't pretend he's the leader of anyone but you. Your presidents are your mistakes and your mistakes alone. Don't foist any of this onto the rest of us. also the secret is that you haven't had a president that wasn't a terrible mistake, ever
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May 5, 2018 14:41
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There was that time we elected a wrestler
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May 5, 2018 14:52
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My country elected a furniture salesman who's almost as corrupted and venal as Trump. There seem to be a distinct lack of qualified world leaders as of late. (Europe doesn't count according to the news media)
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May 5, 2018 15:10
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Who's a good head of state or government?
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May 5, 2018 16:06
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