Do I pay or not

[IamDeMan 5,000+ posts]

I would try to get the money out of culligan.
If me neighbors swimming pool busts and causes damages to my house, then they should pay. Whether its the insurance company, themselves, whathave you.

Why should your neighbor be out $500 when all he did was live there? I could see if the water thing busted open in his house, but it busted open in yours.

The point is though he HAS insurance. it is up to the other people and their insurance to fight his insurance NOT ask him to pay. Like I said, how can he be expected to pay, when he had no say in what deductible they should carry? of course $500 is low anyway, but that fact is beside the point. They need a lawyer to go after his insurance and/or culligan and leave him alone.

 

[IamDeMan 5,000+ posts]

Indeed X2. I would have probably just paid the $250 due to the fact that it's my equipment (rental or not) that caused the damage. What if it was this that happened to you? Would you want to pay $500 for something that your neighbor caused? I think that it would be fair to pay half of his deductible.

It's the ****ing cost of living and yes I would be fine paying it. I chose to ride the deductible, it's mine. I would of course make sure his insurance was in the right when the denied it though. Its mongrels like you that have to put a blame on SOMEONE. It can't just be an accidental nightmare for both parties? He didn't ask for the equipment to fail, nor did his neglect cause it.

/his responsibility.

 

[Flipx99 5,000+ posts]

The point is though he HAS insurance. it is up to the other people and their insurance to fight his insurance NOT ask him to pay. Like I said, how can he be expected to pay, when he had no say in what deductible they should carry? of course $500 is low anyway, but that fact is beside the point. They need a lawyer to go after his insurance and/or culligan and leave him alone.

I agree with the going after insurance/culligan.

I just don't think I should be responsible for bad things that happen to others.

Ever see the Seinfeld episode where the ******* victim landed on George's car?

 

[Flipx99 5,000+ posts]

It's the ****ing cost of living and yes I would be fine paying it. I chose to ride the deductible, it's mine. I would of course make sure his insurance was in the right when the denied it though. Its mongrels like you that have to put a blame on SOMEONE. It can't just be an accidental nightmare for both parties? He didn't ask for the equipment to fail, nor did his neglect cause it.

/his responsibility.

How can the neighbor mitigate this risk? Was the neighbor aware of the water purification system? If the neighbor was unaware of these risks, then how is it his responsibility to chose an insurance policy based on those risks?

 

[Flipx99 5,000+ posts]

They **** because?never mind as you are entitled to your own opinion.

The guy in the cubicle across from me had a terrible experience with them.

There was construction in the house across the street from him and it severly damaged his home. The contractor sub-contracted a portion of the job to someone who carried no insurance.

USAA would not pay for his claim. He suffered a loss and had no one to recover damages. What is the purpose of homeowner's insurance if they do not pay?

USAA claims there is no policy that would allow someone to mitigate the risks of a fire on a new construction home.

 

[Macklessdaddy 10+ year member]

Bottom line is after consulting maybe 200 or more people i have decided i did no wrong and therefor will not be paying anything.

 

[Flipx99 5,000+ posts]

Bottom line is after consulting maybe 200 or more people i have decided i did no wrong and therefor will not be paying anything.

I brought this up at work and they tend to agree.

Although they would sue your insurance company (which is out of your hands anyway)

The most common response was "Sue my insurance company". (If they where you).

Some of the people's spouses are lawyers or are personal friends with them so it wouldn't be too big of an issue.

Still may cause a rift between you and the neighbor...but as a neighbor, I would be satisfied with that response.

 

[rtillaree 10+ year member]

basically, you don't owe him anything...by law...if you choose to pay anything, its up to you, but you had better get something in writing if you do give him any money, and maybe even get a witness's signature...in a case like this, its not uncommon for the other parties insurance company to go after your insurance company for subrogation, in many instances, if they get the subro from your company they will recover the insured's deductible and will send it back to him...thats a 50/50 thing...

/

 

[IamDeMan 5,000+ posts]

How can the neighbor mitigate this risk? Was the neighbor aware of the water purification system? If the neighbor was unaware of these risks, then how is it his responsibility to chose an insurance policy based on those risks?

You still can't hold him responsible for you deductible when his insurance desont pay out. It isn't right in any fashion. He DIDNT choose your deductible on YOUR insurance, that is my biggest gripe. Obviosly it says somewhere that he isnt responsible anyway. You arent supposed to mitigate the risk. You just carry insurance and pay your own dam ndeductibles, because in life SHIT HAPPENS.

 

[Flipx99 5,000+ posts]

You are correct legally.

I just think it is unjust to the neighbor.

 

[IamDeMan 5,000+ posts]

You are correct legally.
I just think it is unjust to the neighbor.

I am not much for neighbors anyway that why I said earlier it really depended upon how much the peace between neighbors was worth to him. I don't find it unjust as much as I find it unfortunate, but we all have our moments of rain.

Do I ask GOD to pay my deductible when I get flooded from hurricanes? I mean come on, he has to be responsible for making the **** weather //content.invisioncic.com/y282845/emoticons/crap.gif.7f4dd41e3e9b23fbd170a1ee6f65cecc.gif :crap: //content.invisioncic.com/y282845/emoticons/tongue.gif.6130eb82179565f6db8d26d6001dcd24.gif//content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif

 

[rtillaree 10+ year member]

You are correct legally.
I just think it is unjust to the neighbor.

life happens...it was unjust to the person who woke up to find his kitchen flooded...it wasn't his fault, things happen...its why you have insurance, or are supposed to have it...he's lucky he had it to begin with and with such a small deductible...split the difference with him and get on with life...its not going to change the way the earth rotates...simple case of no negligence...

 

[its_bacon12 10+ year member]

I wouldn't pay a cent! His insurance deductible is just that, HIS. You didn't choose what deductible he should carry, did you? Insurance is for accidents just like this and each person is responsible for their own **** deductibles pertaining to the policy THEY chose to open. It wasn't negligence or stupidity on your part, so why does he feel you are responsible to pay his deductible? Tell him to **** off and if he don't like that answer then he can higher an attorney to go after your insurance company because they decided it wasn't their responsibility to pay his damage claim. If your insurance didn't find it their responsibility then it certainly isn't yours.

x2

 

[NhustlaR 10+ year member]

If its not you insurance deductible, dont pay it.