Poll of the Day > i love when grown adults conference their parents in on calls to talk to me

(+) Yeah! (+)

i was just telling this chick we weren't gonna pay for her claim because there was no foreseeability for the loss.

she had just told me before i said that that she hadn't had a chance to get an estimate because her daughter was sick and she couldn't drive her daughter all around.

after i told her we weren't going to pay she says "hold on, i'm gonna conference my dad in on this call!"

i asked her why?

she told me to just talk to him.


and instead of him actually listening to me he just started insulting me, obviously.


don't people get embarrassed by this? how are you mature enough or adult enough to raise a kid but you can't handle your own affairs?

it blows my mind
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Most people mature enough to raise a kid are mature enough to realize that they don't want kids.
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That's ridiculous.
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Jen's like 40 and still eats at taco bell every day but has the nerve to insult other's behind their back about being immature.
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omg do i get to be the next old person on potd

@RCtheWSBC it's my time!!
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Blighboy posted...

40

Isn't she about ten years younger than that?
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EclairReturns posted...

Blighboy posted...

40

Isn't she about ten years younger than that?

12
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Blighboy posted...

Jen's like 40 and still eats at taco bell every day but has the nerve to insult other's behind their back about being immature.

The old crone!
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Jen0125 posted...

12

And already working full time, smh
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Mead posted...

Jen0125 posted...

12

And already working full time, smh

lol don't you dare
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Jen0125 posted...

12

Under age user, enjoy your ban.
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I'm sure she meant that she's twelve years younger than forty...
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EclairReturns posted...

I'm sure she meant that she's twelve years younger than forty...

idk, Bligh might need to report her to be safe. We don't want to put kids at risk by having them post on a messageboard =p
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If I could sacrifice 10 adults to eliminate one child, it would be worth it
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EclairReturns posted...

I'm sure she meant that she's twelve years younger than forty...

yeah everyone knows that's what i meant. bligh is just being a goober but i'm sure i'll still get modded.

the context is pretty clear though
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As if mods care about context
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I mean, I personally don't think it's unreasonable to get a parents' opinion on the case. They might know more legalese or reasons why said girl might be entitled to a claim.

Don't get me wrong, it's a long shot, but I don't think she's to blame. I do think the dad is a dick for insulting you, of course.
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SmokeMassTree posted...

As if mods care about context

yeah i know

Muffinz0rz posted...

I mean, I personally don't think it's unreasonable to get a parents' opinion on the case. They might know more legalese or reasons why said girl might be entitled to a claim.

he didn't know shit about anything and didn't listen when i tried to explain to him the concept of legal liability. she just thought he'd be able to insult and intimidate me into paying for her damages.
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Maybe she just wanted to get a man on the phone and her dad was her only option? You say "adults" and "parents" but you only gave one story, has this happened in other cases?


And I know it sounds sexist to say that, but that's because society is sexist. It's generally accepted that men are less likely to be screwed over in negotiating-type situations

Jen0125 posted...

omg do i get to be the next old person on potd

@RCtheWSBC it's my time!!

Don't move your hips too​ fast, they'll collapse from right under ya!
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Jen0125 posted...

he didn't know shit about anything and didn't listen when i tried to explain to him the concept of legal liability. she just thought he'd be able to insult and intimidate me into paying for her damages.

Oh I understand this guy in particular didn't know shit. But it's reasonable to assume that adults have dealt with more stuff, especially insurance related, and might have two cents to provide on the topic.
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don't people get embarrassed by this?

how long have you been alive and not realized that some people are completely and utterly without shame?

DorkLink posted...

Maybe she just wanted to get a man on the phone and her dad was her only option? You say "adults" and "parents" but you only gave one story, has this happened in other cases?


And I know it sounds sexist to say that, but that's because society is sexist. It's generally accepted that men are less likely to be screwed over in negotiating-type situations

yes it happens not frequently but usually with females getting their fathers on the phone thinking they're a voice of authority that i need to listen to

Muffinz0rz posted...

Oh I understand this guy in particular didn't know shit. But it's reasonable to assume that adults have dealt with more stuff, especially insurance related, and might have two cents to provide on the topic.

she IS an adult. an adult with a child.

Unknown_voter posted...

don't people get embarrassed by this?

how long have you been alive and not realized that some people are completely and utterly without shame?

tru
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Jen0125 posted...

she IS an adult. an adult with a child.

And he's an older adult, with a grandchild. He's had a lot more experience dealing with such matters.
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Jen0125 posted...

how are you mature enough or adult enough to raise a kid but you can't handle your own affairs?

To be fair, you don't actually need to be mature OR an adult to have/raise a kid. Especially if you're one of the many, many people who are doing a somewhat piss-poor job of it.

But honestly, the entire concept of "adult" is blurred these days anyway. Legally speaking you're an adult at 18, but I can probably count on one hand the number of 18-year olds I've met in my life who I'd even remotely think of as being "adults" in terms of actual maturity or responsibility.

The Industrial Revolution was sociologically responsible for creating the entire concept of "teenager" as an intermediary phase between "child" and "adult". The modern Technological/Computer Revolution seems to turning the period between 18-25 or so into a new intermediary period of social immaturity and development prior to actual "adulthood".


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ParanoidObsessive posted...

To be fair, you don't actually need to be mature OR an adult to have/raise a kid. Especially if you're one of the many, many people who are doing a somewhat piss-poor job of it.

tru

adjl posted...

Jen0125 posted...

she IS an adult. an adult with a child.

And he's an older adult, with a grandchild. He's had a lot more experience dealing with such matters.

to be honest, i don't really care. legally he's not even entitled to any information about the claim and i don't need to talk to your daddy about your property unless he's the owner. you'll never learn if you have your dad fight all your battles for you.
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Jen0125 posted...

to be honest, i don't really care. legally he's not even entitled to any information about the claim and i don't need to talk to your daddy about your property unless he's the owner. you'll never learn if you have your dad fight all your battles for you.

Well, see, if he's not entitled to said information, then that should've been your first statement to the daughter before she even got her dad on the phone (and then the first statement to the dad as soon as he got on the line).

You seem to be vilifying this girl for just asking for advice. It's not a big deal.
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Muffinz0rz posted...

Well, see, if he's not entitled to said information, then that should've been your first statement to the daughter before she even got her dad on the phone (and then the first statement to the dad as soon as he got on the line).

You seem to be vilifying this girl for just asking for advice. It's not a big deal.

usually i'll talk to other parties as a courtesy because i try to be as nice as humanly possible.

she wasn't asking for advice. if she wanted advice she could have talked to her dad privately after the call and came back and called me. she got her dad on the phone to try to harass me into the paying the claim. i'm not doing that.
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Jen0125 posted...

Muffinz0rz posted...

Well, see, if he's not entitled to said information, then that should've been your first statement to the daughter before she even got her dad on the phone (and then the first statement to the dad as soon as he got on the line).

You seem to be vilifying this girl for just asking for advice. It's not a big deal.

usually i'll talk to other parties as a courtesy because i try to be as nice as humanly possible.

she wasn't asking for advice. if she wanted advice she could have talked to her dad privately after the call and came back and called me. she got her dad on the phone to try to harass me into the paying the claim. i'm not doing that.

When someone starts yelling at me over stuff I can't control at work (like slow implementation team, IT issues, etc.), I just kick my feet up and pop on PotD or reddit while they get everything out of their system. Then when there's a lull, I recite the line that I've said a billion times, something along the lines of "I would help you if I could, but the only thing I can do is give you our support line."

Guy didn't deserve the time of day.
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i just told him it's based on a legal negligence standard and i disagree with his disagreement of my opinion of the events lol. some people just don't want to listen because they think someone is at fault for everything when that's not always the case.
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Jen0125 posted...

i just told him it's based on a legal negligence standard and i disagree with his disagreement of my opinion of the events lol. some people just don't want to listen because they think someone is at fault for everything when that's not always the case.

I'm surprised he didn't ask to speak to a manager/supervisor
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Oh me too.
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What was the claim for?
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a sudden wind gust picked up an object from our yard and it hit some property on the neighbor's yard.

by "our yard" i mean our insured's yard.
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Jen0125 posted...

a sudden wind gust picked up an object from our yard and it hit some property on the neighbor's yard.

Time to talk to the parents.
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Jen0125 posted...

a sudden wind gust picked up an object from our yard and it hit some property on the neighbor's yard.

So is that like an act of God type of situation? No public liability for that? Also, if it had hit their own property, based on the policy they had, would they be covered?

Shark8637 posted...

So is that like an act of God type of situation? No public liability for that? Also, if it had hit their own property, based on the policy they had, would they be covered?

what do you mean by public liability?

do you mean liability to damage to the general public? that's not really a phrase we use so i'm not sure exactly what you mean.

it'd be considered an unforeseeable event that couldn't have been avoided with a normal standard of care.

if it hit their own property their coverage should cover it but i don't handle first party claims so i don't know what their coverages are like. but the lady who sustained the damage has insurance but her deductible is too high for her to want to file a claim.
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Thank you, Jen. Yes, that's what I mean.

It's just interesting. I mean, as an uninitiated person, I thought insurance was to cover incidents that you couldn't have prevented with a reasonable standard of care. Surely if an accident or event occurred which could have been prevented with a reasonable standard of care (eg, left your front door unlocked and got burgled), then the insurance shouldn't pay out.

Which makes me wonder, when insurance ever pays out in these cases. (Purely rhetorical and non-agressive - just thinking out loud. I know insurance companies pay out all the time, of course.)

Insurance is the second biggest scam in the history of humankind

...with religion being the first
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Muffinz0rz posted...

Insurance is the second biggest scam in the history of humankind

you won't be saying that if you have a total loss house fire and a mortgage that still needs to be paid off.

insurance isn't a scam. it's a contract where you weigh your personal risk and the amount of your premium vs the limits provided and coverage provided to decide if it's worth it. the reason people think that insurance is a scam is being they don't read their own policies and remain ignorant to what it ACTUALLY covers under the misconception that insurance covers everything under the sun.

Shark8637 posted...

Thank you, Jen. Yes, that's what I mean.

It's just interesting. I mean, as an uninitiated person, I thought insurance was to cover incidents that you couldn't have prevented with a reasonable standard of care. Surely if an accident or event occurred which could have been prevented with a reasonable standard of care (eg, left your front door unlocked and got burgled), then the insurance shouldn't pay out.

Which makes me wonder, when insurance ever pays out in these cases. (Purely rhetorical and non-agressive - just thinking out loud. I know insurance companies pay out all the time, of course.)

liability insurance actually does the opposite. liability insurance covers your negligent acts. we don't pay for pure accidents because they are unforeseeable and unavoidable and as such legally you wouldn't be responsible for something out of your control. we pay based on specific legal standards for whatever issue comes across our desks.

claims we pay a lot of: dog bites. we pay a TON of dog bite claims. we also pay a lot of claims on renters policies for grease fires because those are total negligence. what we don't pay for is something that you couldn't have prevented because it's not your fault.

now for your first party coverage on your own property and structures you don't have to be negligent for them to pay. they pay based on whether some is an accidental direct physical loss and if it's caused by a named peril which is defined in your policy.
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Ice dam caused part of my ceiling to collapse.

Am I covered?
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Firewood18 posted...

Ice dam caused part of my ceiling to collapse.

Am I covered?

is it a renters or homeowners? if renters you may want to check with the homeowner if they have insurance

if homeowners i would said probably but i don't handle that coverage so i can't say for sure
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I'm a homeowner. The adjuster already visited but I have to wait a week for the estimate.

Really need to know what's going to be covered.
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My favorite are the wives that get their husbands on the phone when I don't give them the answer they want to hear, because a guy yelling at me is all of a sudden going to change our company policy.
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Firewood18 posted...

I'm a homeowner. The adjuster already visited but I have to wait a week for the estimate.

Really need to know what's going to be covered.

i wonder why it's going to take a week

usually first party claims move pretty quickly.

but the adjuster should be able to tell you what's covered right now. just call and point blank ask them if it's covered and if they don't know what they need to know to determine if it is.

Jiggy101011 posted...

My favorite are the wives that get their husbands on the phone when I don't give them the answer they want to hear, because a guy yelling at me is all of a sudden going to change our company policy.

yeah i get that too.
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Thanks. Pretty sure the holiday weekend is slowing the process down.
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Jen0125 posted...

don't people get embarrassed by this? how are you mature enough or adult enough to raise a kid but you can't handle your own affairs?

it blows my mind

Agreed with this. I have the opposite problem though. It really bugs me when my dad wades in on a conversation I'm having without being asked. I'm just like:

https://www.youtube.com/watch?v=bBVBUt4DOQQ
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Jen0125 posted...

liability insurance actually does the opposite. liability insurance covers your negligent acts. we don't pay for pure accidents because they are unforeseeable and unavoidable and as such legally you wouldn't be responsible for something out of your control. we pay based on specific legal standards for whatever issue comes across our desks.

What we don't pay for is something that you couldn't have prevented because it's not your fault.

now for your first party coverage on your own property and structures you don't have to be negligent for them to pay. they pay based on whether some is an accidental direct physical loss and if it's caused by a named peril which is defined in your policy.

That makes a whole ton more sense - thanks for explaining, Jen!

Tell them to GIT GUUD!

Shark8637 posted...

That makes a whole ton more sense - thanks for explaining, Jen!

you're welcome! :)
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