Their repost says that the damage is electrical failure not accidental damage - Is it possible for me to cancel the claim without looking like i was claiming fraudulently? My husband is so fed up waiting that he is going to buy a new TV today
2007-11-07 00:07:42 · 6 answers · asked by bevflower 3 in Business & Finance ➔ Insurance
Lots of people put in claims that turn out to be inadmissable - but not fraudulent - usually due to ignorance of what is and what is not covered under a policy.
So don't worry. If you accept that electrical failure was the cause (it usually isn't covered under a policy) then just ring up the company and say that as you accept the damage isn't covered you would like to withdraw the claim.
(Even if the company thought you were claiming fraudulently they wouldn't do anything - they would have to prove it (tricky)) In your case you have a TV that isn't working and you thought it was due to accidental damage - the report shows otherwise - you are not an expert on TV repairs are you?
2007-11-07 09:59:07 · answer #1 · answered by welcome news 6 · 1⤊ 0⤋
What are you claiming caused the accidental damage?
TVs will wear out. Sometimes they just stop working - especially an older one. If the tv just stopped working - that may not qualify as "accidental" damage.
Insurance policies do not pay for wear and tear. If the TV just stopped working because it was old, then your policy is not going to pay for it.
Here's something to keep in mind....they do not owe you for what you choose to replace your TV with - but what you have.
In my home, I have a 32" regular TV about 10 years old. If it was damaged in a covered loss - the insurance company is not going to pay to replace my TV with a 32" plasma TV. They owe a functional equivalent of what I had. You can still find some 32" TVs out their for less than 500. Given that I have a 500 ded - the insurance company would not pay anything any way.
Unless the tv was a plasma or big screen it was probably a waste to file the claim anyway as it would be less than your ded.
Just call the company up and let them know that you want to withdraw your claim. They will just close the file.
I get lots of folks who decide not pursue this type of claim. Usually they file the claim with out looking into the cost and after they report it start looking into the cost and find it's less than the ded.
2007-11-07 00:55:06 · answer #2 · answered by Boots 7 · 2⤊ 0⤋
You can't withdraw a claim that's already been resolved and if it's been resolved by being repudiated, then it's been resolved - you can't withdraw it. That being said there's no need for you to worry as an unsuccessful claim does not mean you've made a fraudulent claim (unless you have a gully conscience) so don't worry about it.
2007-11-08 00:56:28 · answer #3 · answered by Anonymous · 0⤊ 0⤋
No you won't be showing any guilt.But you can take
them to the small claims court.Let them know your
not satisfied with their findings and you'll be getting
an independent check to use in making a claim.No
need to.Wait for reaction.That as your not satisfied
with their response you are stopping the policy and
any other policy's you have with them.Contact your
bank if it's direct debit and do so.If it's Legal and
General you should get satisfaction.
2007-11-07 00:18:22 · answer #4 · answered by angler 6 · 0⤊ 1⤋
you will ought to place up a declare for each incident and Aviva will make certain in the event that they're going to pay out on each and each declare. in the journey that your watch grew to become into costly then they're going to cut back the fee except you have own possessions on your contents assurance
2016-12-08 14:39:19 · answer #5 · answered by ? 4 · 0⤊ 0⤋
just say the electrical failure could of happened when the tv fell on the floor then you switched it on then something could have shorted
2007-11-07 00:15:06 · answer #6 · answered by PETER M 3 · 0⤊ 2⤋