Insurance Not Needed?

[barry1010]

Over the past few months I have read these reports in the news:

1. Young man killed last night when stolen car he was driving crashed in to a tree. His sister has set up a GoFundMe page to 'give him the send off he deserves'.
2. A woman is in a coma in the USA after sustaining life threatening injuries in a jet ski accident. She didn't have adequate insurance and her family has set up a GoFundMe page to cover her hospital bills.
3. A family is devastated when their house burned down. They have set up a GoFundMe page as they didn't have insurance.

Is this the way it is going to be?

[alavahalf]

'He packs his lunch in a Sunblest bag' .. I like that line.

[wolf63]

And the children call him Bo?

[douglas9401]

Bogie but he never took the Hump. :-)

[mushroom25]

// Still sailing up the west coast, through villages and towns as far as I know. //

by that stage, it had become a ship......

[teacake44]

Its interesting that some seem to think that because you have you're car stolen that the owner don't lose out because they are insured, not so true in many ways. If you do get your car back, it can be damaged in many ways other than body work damage, if the damage to bodywork is very bad then the car can be written off by you're insurance company, and you will get the bear minimum market value for your car. There can also be engine damage done that's not always apparent when you get it back, if its been driven at high speed for long periods, and trashed at high speed in the wrong gears, this sort of damage is hard to prove at a later date when you discover it, and even if the insurance company pay for repair, you will suffer the higher premiums in the coming years, not to mention all the hassle of being without a car for a period of time, if you have no hire cover. It beats me why when someone steals a car and trashes it they are not forced to pay back the complete loss however long it takes them to pay it back, rather than a stupid fine and a driving ban of 12 months, leaving everyone else with thousands of pounds loss.

[Milo2]

I agree APG. My daughter’s car was stolen and never recovered. She had just had work done on it so lost that money, got a poor settlement from the insurance company and her premiums went up. She was out of pocket all round.

[Milo2]

Sorry teacake not APG.

[ummmm]

I think we all know that, teacake.

[ummmm]

And how come house insurance tend to be willing to pay out but car insurance makes it difficult?

[Barsel]

mushroom25 I wasn't meaning car insurance. If someone drives without that, they are breaking the law, therefore if someone should set up a fund for someone killed while driving a car whether it be stolen or not, then I don't think setting up a fund for that person would be appropriate.

[LadyCG]

House insurance is worth every penny. I've destroyed a Macbook Pro and and Acer laptop this year! Both were replaced instantly.

Our holiday insurance providers weren't so magnanimous.

[Peter Pedant]

// And why house insurance are willing to pay out but car insurance makes it difficult?//

both difficult - and it is post code driven. James McF used to send in lads to burgle my neighbours houses and if he found an insurance cert in the goodies they brought back - would write to the company and say the claim was a put up job (*)

I did wonder why the claims were so hard to make - both times the back door had been axed down.

(*) he just did it - that even strained my sense of humour .....

[ummmm]

House insurance doesn't just cover burglaries.

[AuntPollyGrey]

Ummmm // House insurance doesn't just cover burglaries.//

True. I got a payout when I lost my engagement ring outside. The contents cover covered stuff lost and I got £10K even though I had no receipts as the ring was bought nearly 30 years ago. It was a fairly straightforward process.

[ummmm]

My very few claims have been completely straight forward.

[Ellipsis]

GoFundMe works through people willingly giving to a cause. I would not willingly give to any of the causes in the OP, unless there was more to the respective stories than is written there. Good luck to them if they think they can get away with it, though.

[Arrods]

If you steal a car you are ‘insured’, at least for third party claims.