#1

Vintage Shaver
Seattle, WA
Sort of. Recently our car was rear-ended at a red light, causing "minor" damage that is going to cost over $1500 to repair. I was told by the repair shop that I would have a $250 insurance deductible to pay, decreased from the regular $500 collision deductible of my policy because I wasn't at fault for the damage. That didn't seem right to me: why should I have to pay anything? Shouldn't the other driver's insurance pay the whole cost? So I contacted my insurance company, and the agent handling the claim told me he would waive the deductible "this time only."

Also recently, I returned a book to our local library but was subsequently told that the book was shown as lost, and I was charged a $25 replacement fee - for a paperback novel. I had kept a receipt showing how many items I returned on the date in question, and although it did not give the individual book titles, it suggested that I had indeed returned the book. When I made it clear that I was never going to pay the unjust charge, a librarian at the downtown library headquarters admitted that they might have misplace the book themselves, cancelled the fine, and wiped my record clean.

So the moral is: always ask. Don't just accept stated conditions. Insurance companies and libraries, like virtually all businesses, have the latitude to grant exceptions to rules and conditions.

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John
#2

Member
Detroit
Very true. I've been questioning authority since I was about 14 years old. Big Grin

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- Jeff
#3

Member
Nashville, TN
Great points. I'm in the process of doing something along these lines myself.

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#4

Vintage Shaver
Seattle, WA
So, since I saved $250, I guess I need to buy more shaving gear...

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John
#5

A True Yo-Yo
Here Here for free thinkers.  Watch out for this guy though:

[Image: Kzu4TpZ.jpg]

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#6
I tell my wife this all the time. It’s a variation of “don’t ask, don’t get.” Sometimes she listens . . .

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