Bad luck keeps on coming

[Warren Allison]

My experience with insurance companies is they want a Vet to do an autopsy on them and identify the animal to make sure it is the one they insured.

Ken

You are correct. I have written a ton of equine mortality insurance, and yes, a vet has to certify cause of death. Same thing with cattle. If it weren't so, people would just call and say "my cow died", after they slaughtered her. Or sold her. Granted, people insure horses worth 5 figures and up, and if you have one that valuable, you are going to have a vet there when it is sick or injured anyway. I doiwnloaded a sample policy that one of my carriers issues for cattle. Looking over the form, it reads exactly like an equine mortality policy does. When you receive a policy there is always a cover letter explaining what to do in the event of a claim. I asked my underwriter to email me that document too. @Down in Dixie , did you have a policy for that bull, or one that covers the herd?

 

[Down in Dixie]

I only had a policy to cover the bull. Wish they would have said to get an autopsy before they would pay out. Guess I'm going to have to wait and see.

 

[Warren Allison]

I only had a policy to cover the bull. Wish they would have said to get an autopsy before they would pay out. Guess I'm going to have to wait and see.

If you read your policy after you got it, there was a section that told what to do at claim time. Usually it is titled "How to file a claim". Do you know what carrier issued the policy?

 

[Down in Dixie]

If you read your policy after you got it, there was a section that told what to do at claim time. Usually it is titled "How to file a claim". Do you know what carrier issued the policy?

Yeah that would be my fault. It's been 2 1/2 years ago and I can't remember reading it. It is Travlers

 

[Down in Dixie]

Well I got the word yesterday that the insurance isn't going to pay out. Says he didn't die in one of the 25 ways that will pay out. They are sending me all the paperwork. Going to hope to find something I can use to overturn it but it's not looking good.

 

[Travlr]

Well I got the word yesterday that the insurance isn't going to pay out. Says he didn't die in one of the 25 ways that will pay out. They are sending me all the paperwork. Going to hope to find something I can use to overturn it but it's not looking good.

Well of course... Automatic denial of coverage is how insurance is being done. I'm surprised home owners insurance still covers fires because they have excluded just about everything else it seems.

 

[kenny thomas]

Well I got the word yesterday that the insurance isn't going to pay out. Says he didn't die in one of the 25 ways that will pay out. They are sending me all the paperwork. Going to hope to find something I can use to overturn it but it's not looking good.

I would like to see what the 25 ways are.

 

[jltrent]

There is a reason when you go into the cities where the insurance companies' headquarters are, and they have the tallest, best building there. Had some wind damage on a barn recently and they figured it all the way to the nails, no extra. I thought dead was dead.

 

[Down in Dixie]

I would like to see what the 25 ways are.

When I get the letter in the mail next week I will let you know.

 

[kenny thomas]

When I get the letter in the mail next week I will let you know.

Im just curious. I have insurance against damage done if the cattle might get out but none on the cattle themselves.

 

[Down in Dixie]

Im just curious. I have insurance against damage done if the cattle might get out but none on the cattle themselves.

The only livestock I have covered was the bull because the 800 mile ride home he had to take and the cost of him. My talk with my insurance agent about coverage on the whole herd didn't sound like a good deal. I would almost have to have 3-4 cattle lost to get a check that would be worth my time.

 

[kenny thomas]

The only livestock I have covered was the bull because the 800 mile ride home he had to take and the cost of him. My talk with my insurance agent about coverage on the whole herd didn't sound like a good deal. I would almost have to have 3-4 cattle lost to get a check that would be worth my time.

I understand that. I have insured bulls in the past against lightning only. Of course lost cows and calves but not a bull.

 

[gman4691]

I would like to see what the 25 ways are.

I think alien death rays, nuclear blasts, being hit by the falling door of an airliner, and asteroid strikes are four of them…

 

[4hfarms]

Im with jltrent, dead is dead!

Always a loop hole or way to skirt around payment when things go wrong.

Late on a payment, is grounds for agreement termination....

 

[jltrent]

Im with jltrent, dead is dead!

Always a loop hole or way to skirt around payment when things go wrong.

Late on a payment, is grounds for agreement termination....

With cattle you can take homicides and suicides out of the ways of death. They can die by accident or natural causes.

 

[angus9259]

I think you could make "bad luck keeps on coming" an entire category on any livestock board. Put it between "calving" and "health"

 

[Down in Dixie]

 

[Travlr]

View attachment 44088View attachment 44089View attachment 44090

WTF does #22 mean? I could construe "sudden and accidental tearing apart" as self inflicted injury like from jumping a ditch or getting in a fight with another bull. Exactly how much "tearing apart" is necessary to qualify? Does the bull need to be torn in half... or would a torn aorta be enough to qualify?

 

[Hpacres440p]

Sudden and accidental tearing apart? Like, of body parts? Collision might have been an option if a vet would have said he had an impact injury. That's tough…

 

[puzzled in oregon]

#4 Riot or Civil Commotion
Neighbors bull came onto your property and started a Riot.