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| I need help. My barrel horse was insured fully for death and loss of use. He hit his head falling on the first barrel. Insurance man came out and did claim. Warned me that they would give me a hard time over it. This happened in August and now they deny the claim stating it was an act of God. Wtf, barrel horses go down. It was in a practice pen and they say ground was bad. How should I proceed on fighting this.? Btw he died of brain bleed |
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  Neat Freak
Posts: 11216
 
Location: Wonderful Wyoming | schnitkey - 2016-11-28 6:25 PM I need help. My barrel horse was insured fully for death and loss of use. He hit his head falling on the first barrel. Insurance man came out and did claim. Warned me that they would give me a hard time over it. This happened in August and now they deny the claim stating it was an act of God. Wtf, barrel horses go down. It was in a practice pen and they say ground was bad. How should I proceed on fighting this.? Btw he died of brain bleed
I have fought 2 claims involving multiple vets and never got a dime out of either claim. I was told when I first looked into insurance to make sure "an act of God" was covered-lightning strike, flooding, fire etc. So sorry, I have been there and it is a tough pill to swallow. |
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Extreme Veteran
Posts: 380
| I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident. |
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Location: Not Where I Want to Be | SloRide - 2016-11-28 8:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident.
aren't you a special snowflake.
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boon
Posts: 3
| Hire an equine attorney. Try Travis Ware in Lubbock TX. He understands horses and all aspects of death/insurance |
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Expert
Posts: 1956
Location: Ky | schnitkey - 2016-11-28 7:25 PM I need help. My barrel horse was insured fully for death and loss of use. He hit his head falling on the first barrel. Insurance man came out and did claim. Warned me that they would give me a hard time over it. This happened in August and now they deny the claim stating it was an act of God. Wtf, barrel horses go down. It was in a practice pen and they say ground was bad. How should I proceed on fighting this.? Btw he died of brain bleed
There has to be an appeal right in your contract. Do that first before paying an attorney. From what you posted this was a wrong decision by the company.
Have you involved your agent? Sometimes they can be the best advocate. I know I've gotten claims paid for clients just because of my relationships with the companies. How much influence that agent has will be based on how much business he sends to that company. |
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
Have mercy. . . . . . |
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Industrial Srength Barrel Racer
Posts: 7268
| I am so very sorry for your loss!
Isn't that just like an insurance company, pay and pay the premiums and heaven forbid you ever make a claim. It's too bad they can't ever just do the right thing.
I hope you get something out of the jerks.
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 Hugs to You
Posts: 7551
Location: In The Land of Cotton | SloRide - 2016-11-28 8:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident.
No God - I guess I need to review the movie you say is your favorite - Kingdom of Heaven |
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Veteran
Posts: 138
| SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
To those giving you a hard time, I somewhat agree. If you really want to get down to it, wouldn't everything be considered an act of God?
I too would fight it. How is this any different than if the horse had slipped and fallen while playing around in the pasture and hit his head on a water trough, fence, shelter, rock on the ground, etc? |
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 Elite Veteran
Posts: 823
Location: East Texas | Which company? |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | SloRide - 2016-11-28 7:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident.
I seriously cringe every single time you post because of the sh*t that spews out of your mouth |
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 Warmblood with Wings
Posts: 27846
Location: Florida.. | 1DSoon - 2016-11-28 8:48 PM SloRide - 2016-11-28 8:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident. aren't you a special snowflake.
agree with 1D.. |
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 Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | Bibliafarm - 2016-11-29 6:22 AM
1DSoon - 2016-11-28 8:48 PM SloRide - 2016-11-28 8:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident. aren't you a special snowflake.
Sometimes silence is golden... snowflake. |
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 I Don't Brag
Posts: 6960
| Isn't this exactly why we pay for insurance?
But it is the MO of the insurance company in general. You had better make your payments on time but be prepared to hire a lawyer. They make money by NOT paying claims. |
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Expert
Posts: 1343
Location: East Texas | SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
To the OP... I would definitely try and contact an attorney about this.
To SloRide... I honestly pray for you and hope that one day before it is too late, you will "see the Light". Did you ever play volleyball? If so, I am sure you had a pair of knee pads. If you continue to believe that there is no God, I would keep them handy because in the end, "Every knee will bow, every tongue confess that Jesus Christ is Lord" ... that WILL include you! Again, prayers for you! |
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I just read the headlines
Posts: 4483
| horsesinharleton - 2016-11-29 9:25 AM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
To the OP... I would definitely try and contact an attorney about this.
To SloRide... I honestly pray for you and hope that one day before it is too late, you will "see the Light". Did you ever play volleyball? If so, I am sure you had a pair of knee pads. If you continue to believe that there is no God, I would keep them handy because in the end, "Every knee will bow, every tongue confess that Jesus Christ is Lord" ... that WILL include you! Again, prayers for you!
Wow, she has a right to not believe in God, my best friend doesn't believe in God. Father Joe always told us to not attack the unbelieving but continue to show them kindness and love and pray for them. After this disgusting political year, I would think we would be tired of pointing fingers at people who don't believe like we do. |
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 A Somebody to Everybody
Posts: 41354
Location: Under The Big Sky Of Texas | GLP - 2016-11-29 9:32 AM horsesinharleton - 2016-11-29 9:25 AM SloRide - 2016-11-28 7:35 PM I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God? Anyways, just fight it if you can. It was an honest accident. To the OP... I would definitely try and contact an attorney about this. To SloRide... I honestly pray for you and hope that one day before it is too late, you will "see the Light". Did you ever play volleyball? If so, I am sure you had a pair of knee pads. If you continue to believe that there is no God, I would keep them handy because in the end, "Every knee will bow, every tongue confess that Jesus Christ is Lord" ... that WILL include you! Again, prayers for you! Wow, she has a right to not believe in God, my best friend doesn't believe in God. Father Joe always told us to not attack the unbelieving but continue to show them kindness and love and pray for them. After this disgusting political year, I would think we would be tired of pointing fingers at people who don't believe like we do.
We are all so very different and dont believe the same, I agree with GLP try not to pick at SloRide, shes her own person..  |
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 Expert
Posts: 1857
| GLP - 2016-11-29 9:32 AM
horsesinharleton - 2016-11-29 9:25 AM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
To the OP... I would definitely try and contact an attorney about this.
To SloRide... I honestly pray for you and hope that one day before it is too late, you will "see the Light". Did you ever play volleyball? If so, I am sure you had a pair of knee pads. If you continue to believe that there is no God, I would keep them handy because in the end, "Every knee will bow, every tongue confess that Jesus Christ is Lord" ... that WILL include you! Again, prayers for you!
Wow, she has a right to not believe in God, my best friend doesn't believe in God. Father Joe always told us to not attack the unbelieving but continue to show them kindness and love and pray for them. After this disgusting political year, I would think we would be tired of pointing fingers at people who don't believe like we do.
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Regular
Posts: 85
| schnitkey - 2016-11-28 7:25 PM
I need help. My barrel horse was insured fully for death and loss of use. He hit his head falling on the first barrel. Insurance man came out and did claim. Warned me that they would give me a hard time over it. This happened in August and now they deny the claim stating it was an act of God. Wtf, barrel horses go down. It was in a practice pen and they say ground was bad. How should I proceed on fighting this.? Btw he died of brain bleed
First of all.... I am so sorry for your loss. I used to work in the Equine Insurance business so hopefully my info can shed some light. We only used one company, and they were pretty good about paying claims but they wanted to be sure they had all the info. Under our policies "Act of God" ie. lightning strike etc was always covered, but I would consider this more of an accident. You may want to review your policy wording (the huge packet that NONE of us ever read) and make sure there isn't some craxy loophole you were unaware of. Did you have a necropsy done and full report from your vet that ruled it an accident? 99% of the time the company we used relied upon the vet's report when making a decision on the claim. As long as your policy was in force at the time of the accident (sounds crazy but it happens all the time) I wouldn't give up. There are times when negligence is a factor, but from the info you have given us it sounds like an accident. I don't want to get any hopes up, but if it were me I would definitely go back to the vet report and claims adjuster. |
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 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid. |
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Expert
Posts: 1343
Location: East Texas | FlyingJT - 2016-11-29 9:45 AM
GLP - 2016-11-29 9:32 AM
horsesinharleton - 2016-11-29 9:25 AM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
To the OP... I would definitely try and contact an attorney about this.
To SloRide... I honestly pray for you and hope that one day before it is too late, you will "see the Light". Did you ever play volleyball? If so, I am sure you had a pair of knee pads. If you continue to believe that there is no God, I would keep them handy because in the end, "Every knee will bow, every tongue confess that Jesus Christ is Lord" ... that WILL include you! Again, prayers for you!
Wow, she has a right to not believe in God, my best friend doesn't believe in God. Father Joe always told us to not attack the unbelieving but continue to show them kindness and love and pray for them. After this disgusting political year, I would think we would be tired of pointing fingers at people who don't believe like we do.
I didn't attack her and she does have her right to believe what she wants to. I think I actually said TWICE that I was praying for her. |
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Expert
Posts: 1857
| Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
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 Extreme Veteran
Posts: 356
| FlyingJT - 2016-11-29 10:18 AM
Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
This particular thread was an inappropriate place to voice said beliefs. The initial post had absolutely nothing to do with anything spiritual, and was asking a simple question. |
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A Somebody to Everybody
Posts: 41354
Location: Under The Big Sky Of Texas | Did your vet write up a report for the Insurance and explain what was the cause of death? How long after the accident did your horse die? Since your horse was covered for loss of use and death how can they deny your claim? This just dont make no sence to me..I would maybe have a lawyer go over your insurance policy and claim.
Edited by Southtxponygirl 2016-11-29 9:11 PM
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I just read the headlines
Posts: 4483
| k.maddocks24 - 2016-11-29 10:44 AM
FlyingJT - 2016-11-29 10:18 AM
Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
This particular thread was an inappropriate place to voice said beliefs. The initial post had absolutely nothing to do with anything spiritual, and was asking a simple question.
And yet, if someone had said they were praying for a good outcome on her claim, no one would have said a thing. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | GLP - 2016-11-29 9:40 AM
k.maddocks24 - 2016-11-29 10:44 AM
FlyingJT - 2016-11-29 10:18 AM
Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
This particular thread was an inappropriate place to voice said beliefs. The initial post had absolutely nothing to do with anything spiritual, and was asking a simple question.
And yet, if someone had said they were praying for a good outcome on her claim, no one would have said a thing.
I think it was more about how it was worded... |
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Expert
Posts: 1857
| ~BINGO~ - 2016-11-29 11:43 AM
GLP - 2016-11-29 9:40 AM
k.maddocks24 - 2016-11-29 10:44 AM
FlyingJT - 2016-11-29 10:18 AM
Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
This particular thread was an inappropriate place to voice said beliefs. The initial post had absolutely nothing to do with anything spiritual, and was asking a simple question.
And yet, if someone had said they were praying for a good outcome on her claim, no one would have said a thing.
I think it was more about how it was worded...
I think it was worded like that because she was trying to make a point against the insurance, not because she was trying to shove anything down anyone else's throat. |
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Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | k.maddocks24 - 2016-11-29 10:44 AM FlyingJT - 2016-11-29 10:18 AM Three 4 Luck - 2016-11-29 9:50 AM I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid. inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!! This particular thread was an inappropriate place to voice said beliefs. The initial post had absolutely nothing to do with anything spiritual, and was asking a simple question.
Yes, that's exactly what I meant. "Act of God" is an insurance term and has nothing to do with belief or non-belief in a Creator. The comment was out of place and probably meant to poke the bear. |
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I Am a Snake Killer
Posts: 1927
Location: Golden Gulf Coast of Texas | What insurance did you have? |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people. |
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 Expert
Posts: 2013
Location: Piedmont, OK | I am very sorry for your loss. I had to put one down Sept 1 and filed an insurance claim. I am still WAITING to find out if they are going to pay or not. This is ridiculously long! I used RJ Ketch/Praetorian if anyone is wondering. Once this is over I won't use them again. |
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Boot Detective
Posts: 1900
| Do you have video of the horse falling and hitting his head? (it shouldn't matter but that would be more proof he died as a result of injuries sustained in an accident.) Did you see a vet? Like the other poster said, a vet report and necropsy report are pretty necessary. Read over your policy. What does it cover? What does it exclude? I would definitely lawyer up if they are calling that an act of God. Let the attorney ask them to define "act of God". That is usually a weather related definition or earthquake, tsunami, etc... I'm curious to know which company you were insured through too. |
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Boot Detective
Posts: 1900
| Check our PM's. To the ones arguing over God, this girl has a serious situation needing advice. This is not the place for it. Merry Christmas to all!!!    |
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 Expert
Posts: 1552
Location: Texas | I am feeling like there may be more details necessary in understanding this deal. ie: When was the accident? Witnesses? Was a Vet called? When did the horse die? or was he put down? Was the accident reported to the insurance co before the death? Without these details the insurance company could read the story like this: Owner is working horse in arena. Owner may have struck the horse on the head causing a Brain Bleed. Blames the injury on a fall and horse striking it's head. No other indications of a fall.Owner failed to contact Vet or insurance Co and horse drops dead. Suspicious death....no payoff. I lost an insured horse to a lightning strike. It lived for 10 days before we knew what had actually happened. The Colorado State Vet called it VS. I was in touch with the insurance Co. daily with updates and they were ready to call it to end before we were. I had the
money within 10 days. |
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Neat Freak
Posts: 11216
Location: Wonderful Wyoming | In my experience if you don't have a claim check in your hand in a short time, you are probably SOL. They drug me along for 2-3 months on my stud with a bad knee. I had to get them info from all the vets that had ever seen him, touched him, vaccinated, floated teeth etc. All typed up professional letters stating he had the best of care, was regularly seen and was slowly deteriorating to the point he needed humanley euthenized. Got a letter saying Nope, sorry. I didn't tell them in that 9 years he had arthritis, even though they covered the cost of the x rays to find the knee issue as well as a round of Legend the vet wanted to try. |
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 Expert
Posts: 1463
Location: oklahoma | I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will. |
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Location: Not Where I Want to Be | it looks like the takeaway from this thread is that.
Folks need to be a whole lot more careful who they buy insurance from.
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 Ms. Marine
Posts: 4641
Location: Texas | To the OP, I'm so sorry for your loss.
To the rest of the thread:  |
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Location: South Dakota | Wow..Something about God sure gets folks riled up...  |
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 Elite Veteran
Posts: 678
Location: Canada | As previous posters said I would review your insurance policy and what they determine to be "Acts of God" many insurance companies also have insurance available for Specific Perils which include Acts of God (Fire, Lightening, flood etc.). If they do insure for specific perils, at typically a lesser rate then full mortality, then I would be arguing why you're paying a higher premium and they are refusing to cover you for an accident.
Unfortunately you're going to need to fight this. As another poster said contact your broker (if you have a relationship) and get them involved.
To those who buy insurance ask a couple of vets what companies they like to deal with and who they've had good and bad experiences with. We have all our horses, and client horses insured, through one company because every vet in our area that I've spoken to was thrilled with how easy they are to work with, and how quick they are to pay claims. I'm hoping to not have to make a claim but at least I know they have a good previous reputation so it makes things easier. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | This is why I no longer insure my horses.
So sorry you are going through this.
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Expert
Posts: 1956
Location: Ky | Nevertooold - 2016-11-30 4:09 PM This is why I no longer insure my horses.
So sorry you are going through this.
I've only ever had one claim with horse mortality. First day of deer season I had a horse get shot. But wasn't killed by the shot. The vet said he couldn't be saved and had to put him down.
They gave my vet a hard time on the phone about why he put him down and my vet stood firm that was the only option. I got paid in about a week. |
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Elite Veteran
Posts: 953
| That's so sad they denied you like that. I would fight It! Not to steal your thread but has anyone had luck collecting on horse insurance claims? I have mine insured but I always wondered if I needed them, like in this woman's situation, if they would pay or "get out of it." |
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Duct Tape Bikini Girl
Posts: 2554
| First of all, so sorry about your horse. I have heard several disgusting stories of equine insurance refusing to pay, therefore, I have never purchased it. When I pay, I expect service, and the fine print on the insurance plans is ridiculous enough.
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 Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........ |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | CJE - 2016-11-30 7:22 PM
Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........
Who me? Nah....no reason to be angry. Why should I be angry? A definitive statement like "there is no God" adds valuable information to the discussion. She was simply trying to be helpful. |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | Bear - 2016-11-30 11:43 PM
CJE - 2016-11-30 7:22 PM
Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........
Who me? Nah....no reason to be angry. Why should I be angry? A definitive statement like "there is no God" adds valuable information to the discussion. She was simply trying to be helpful.
Bear you slay me. . . . |
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Industrial Srength Barrel Racer
Posts: 7268
| luckyjo - 2016-11-30 6:12 PM
First of all, so sorry about your horse. I have heard several disgusting stories of equine insurance refusing to pay, therefore, I have never purchased it. When I pay, I expect service, and the fine print on the insurance plans is ridiculous enough.
I don't think I will ever purchase it again. I've had it in the past and never had to collect (thank heavens as it sounds like it would have been a PITA). It's really sad/maddening that their first course of action is to DENY. |
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Veteran
Posts: 276
| Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off. |
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 Expert
Posts: 2457
| SpaceCowboy - 2016-12-01 8:58 AM
Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off.
Careful - this can border on slander and then you'll have a larger mess ...... |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | lindseylou2290 - 2016-12-01 10:20 AM
SpaceCowboy - 2016-12-01 8:58 AM
Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off.
Careful - this can border on slander and then you'll have a larger mess ......
How so? |
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Veteran
Posts: 217
| As an Equine Insurance Agent, I am disheartened by all the "unpaid claims". I can tell you the importance of building a relationship with your agent and make sure they know the ins and outs of your horse business.
The only claims I see not paid are those that were not covered losses or when foul play was involved (not suggesting that in this care)
Example of No-Coverage - Horse is insured under a special accident policy and dies of colic. or . horse had prior history of laminitis (prior = before policy was placed), policy issued with an exclusion and later horse was euthanized due to laminitis.
MAKE SURE YOU KNOW WHAT YOU ARE BUYING, AND THAT YOU ARE BUYING IT FROM SOMEONE YOU TRUST!!
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 To the Left
Posts: 1865
Location: Florida | I used LCI for many years, had two claims and they were great each time. |
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 Did I miss the party?
Posts: 3864
| jewels - 2016-11-30 7:08 AM I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will.
This surprises me. I've had a few different companies over the years but, for the past 4 years I've had Great American. I had a claim this year for a lameness that was difficult to find. Finally, after 2 MRI's on 2 different areas it was found. The claim was open for 5 months during this process. Great American covered everything from the MRI's to the treatments that included Tildren and Stem Cell. I know they have varying coverage you can choose but, my entire major medical benefit was exhausted and they paid easily and quickly.
I also have two close friends who had claims last year and they too had no issue getting paid. These cases were all lameness issues though and not a colic incident. I'm sorry for the loss of your horse. |
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 Elite Veteran
Posts: 695
Location: Missouri | We used LCI and they were excellent to work with! we had 2 claims over the years and both paid out very quick! Vet answered questions and that was it! |
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Extreme Veteran
Posts: 380
| Whoa, sorry OP. I did not intend to turn your post into a controversy. I was just really feeling some aggravation over your situation. We have been on the fence about insuring my mare and stories like this just make me second guess it. Sucks because it's nice to be able to have that peace of mind, but it doesn't seem like we get what we pay for anymore.
To the other posters. I am aware the act of god is an insurance term. My statement was purely sarcasm. I do not think OP's situation was caused by an act of god by most insurance company standards. But we do not know what the policy says. I am betting slipping on wet ground doesn't fall under act of god under their policy because nobody would buy it if that were the case.
Oh and check that part of the Bible that says something about not quarreling with nonbelievers please and to love your neighbor.
Edited by SloRide 2016-12-02 9:34 AM
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Expert
Posts: 1463
Location: oklahoma | barrelracinbroke - 2016-12-01 2:02 PM
jewels - 2016-11-30 7:08 AM I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will.
This surprises me. I've had a few different companies over the years but, for the past 4 years I've had Great American. I had a claim this year for a lameness that was difficult to find. Finally, after 2 MRI's on 2 different areas it was found. The claim was open for 5 months during this process. Great American covered everything from the MRI's to the treatments that included Tildren and Stem Cell. I know they have varying coverage you can choose but, my entire major medical benefit was exhausted and they paid easily and quickly.
I also have two close friends who had claims last year and they too had no issue getting paid. These cases were all lameness issues though and not a colic incident. I'm sorry for the loss of your horse.
I know some people who use Great American & have got paid. I know some who use it & don't get paid. I had major medical on my horse, death, loss of use. With the prp treatment what got me is this and in all honesty - I think my honesty was what caused this issue. Every year I listed 3 vets that I use. One is my local vet & I used him for coggins, meds etc. Another vet I used was mainly for injections and then I would go to a vet that is 3 hours away if I thought my more local vets might not be getting something or if I was up that way or if we had a horse colic b/c they would be the one doing surgery. Anyways Great American contacted all 3 requesting records on ALL work I have done. Not just the horse in ? for the prp. What they finally told me was that they were trying to make sure I was taking this mare in as a grade mare. Okay fine I get that. I had taken another horse I owned in and she is grade & they injected her...... So they denied my claim b/c they said she had too many injections in 1 year in her hocks. My registered mare had been injected once & the other mare 2 times..... over a years time... so that made 3 total. The prop was for a torn suspensory not anything to do with hocks so I didn't understand that. Anways I called my vet & we both had to call insurance... then my vet had to send in a statement & description of both horses. Even though that was on records sent to insurance on ALL my horses. And I only had one insured. IMO they were just trying to not pay me. I get that people are dishonest & try to cheat the system & I take pride on being a honest person. But if I ever have another horse insured- I probably won't be real honest, I can think of a few things that probably would have helped me get my money for prp easier & money for the death. Also my two local vets called & told me that how much hell my insurance was giving them & how rude they were. One of them has done some surgeries & deals with insurance all the time and said my company was the worst he had ever dealt with. I wish I would have switched then - maybe I would have at least got my money to start over with another horse.
As for colic that's another long story... I will say she never healed from the suspensory & would not be able to run again. They denied loss of use b/c I could still use her for a broodmare. Which to this day I still don't understand that b/c I sure thought loss of use meant loss of running barrels. Anyways a year later she went on to colic. Anyways I try to be over it but I just dont' feel that any of that was right. But I am blessed b/c she did have 1 colt before passing & I am just now starting to run him & he is very nice. So at the end of the day, I should just move on. Sorry very long story & I tried to keep it short so I hope you understand all that.
Edited by jewels 2016-12-02 9:35 AM
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Tried and True
Posts: 21185
Location: Where I am happiest | We have our horses insured with Wilkins Livestock and they have been great. We had a major medical claim last month and we had the check within 2 weeks. Horse colicked and the local vet refered her to the surgical center. I called our agent while she was enroute to the surgical center and he refered me directly to the adjuster. Kept in contact with the adjuster the whole 5 days she was in the hospital and they paid right off.
? With that said, you have to notify your insurance company the minute there is a problem and keep in contact through the whole process. If you dont communicate from the very beginning, they can be difficult and rightfully so. We even had a weanling get a roofing nail in his foot, didnt have major medical on him but still notified them. Had the vet x-ray before pulling the nail to be sure he didnt puncture anything in there. Had we NOT notified them, and the colt later developed a severe infection and we ended up having to put him down, they could have denied the mortality claim. Thank God that didnt happen. The moral of all this story is communicate from the very beginning!! |
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| Sorry that I have not posted an update. He was family and this denial has kicked hard in the gut. It is State Farm Ins. Our agent is trying to appeal. I will try filling in more details later so that those that are agents can help me fill out the appeal. |
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 Certified Snake Wrangler
Posts: 1672
Location: North MS | Bless you! We have a vehicle with them, but I now refuse to get equine insurance with them due to your story. Do you feel the agent that sold the policy is knowledgeable on horses or are they used to dealing with homes/auto? Just wondering if they even have a clue really.
I'm so sorry that you have to go through this. I lost one of my "family " members two years ago and still feel the loss. Especially after a really good run on a new horse just because it was supposed to have been with him. |
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 Take a Picture
Posts: 12841
| schnitkey - 2016-12-03 11:19 AM
Sorry that I have not posted an update. He was family and this denial has kicked hard in the gut. It is State Farm Ins. Our agent is trying to appeal. I will try filling in more details later so that those that are agents can help me fill out the appeal.
I have State Farm insurance and as a matter of fact, my truck is financed through them. I asked my agent about insuring a horse and was told they do not insure horses. Could it be another company through your State Farm agent? I can assure you that if my agent could sell me more insurance they would. |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | schnitkey - 2016-12-03 11:19 AM
Sorry that I have not posted an update. He was family and this denial has kicked hard in the gut. It is State Farm Ins. Our agent is trying to appeal. I will try filling in more details later so that those that are agents can help me fill out the appeal.
I have no experience but I wanted to say how sorry I am about your loss. It would be heartbreaking no matter if the insurance was being hard to deal with or not. |
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Married to a Louie Lover
Posts: 3303
| I would re read your policy...
We just had all of our policies required to bring my fiancé and i's insurance together. The only policy I could put on the horses and cattle through State Farm was liability - IE horse escapes and gets hit by car they pay for the accident and we have a little value on the animals. I don't know about act of god honestly, I suppose if there was a barn fire they'd cover them. our biggest concern was getting them under our liability umbrella as we are only a mile from the 4 lane highway.
I've not heard of State Farm covering major medical and such on animals... :-/
I would also add that for what it's worth State Farm was very expensive compared to the other quotes we had.
Edited by OhMax 2016-12-04 7:39 AM
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 Voice of Reason
Location: NOT at Wal Mart | FlyingJT - 2016-11-29 8:18 AM
Three 4 Luck - 2016-11-29 9:50 AM
I support's Sloride's right to believe as they wish, but this was an inappropriate place to voice said beliefs.
Anyway, like others said, insurance companies make money not paying claims. They hope people will let denials stand without a fight. If you're willing to go toe to toe, you'll probably get paid.
inappropriate place??? because you don't believe the same as her? It's ok for ladyjockey to post her beliefs but not Sloride. Such a hypocrite!!
Thank you! |
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Expert
Posts: 1463
Location: oklahoma | ThreeCorners - 2016-12-03 10:19 AM
We have our horses insured with Wilkins Livestock and they have been great. We had a major medical claim last month and we had the check within 2 weeks. Horse colicked and the local vet refered her to the surgical center. I called our agent while she was enroute to the surgical center and he refered me directly to the adjuster. Kept in contact with the adjuster the whole 5 days she was in the hospital and they paid right off.
? With that said, you have to notify your insurance company the minute there is a problem and keep in contact through the whole process. If you dont communicate from the very beginning, they can be difficult and rightfully so. We even had a weanling get a roofing nail in his foot, didnt have major medical on him but still notified them. Had the vet x-ray before pulling the nail to be sure he didnt puncture anything in there. Had we NOT notified them, and the colt later developed a severe infection and we ended up having to put him down, they could have denied the mortality claim. Thank God that didnt happen. The moral of all this story is communicate from the very beginning!!
I notified mine in route to vet & was still denied. |
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 Veteran
Posts: 163
Location: Frozen Tundra, WI | If you don't get anywhere with your appeal, you can file a complaint with your state insurance commissioner's office. |
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 Expert
Posts: 1613
Location: Wild Wild West | Vickie - 2016-12-01 11:10 AM I used LCI for many years, had two claims and they were great each time.
I use LCI, as well. Had one horse break a leg at a rodeo and they paid right away. I've had lameness issues on my mare and they paid for her treatment. Very satified with them.
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 Elite Veteran
Posts: 716
Location: who knows? | jewels - 2016-12-03 8:31 AM
barrelracinbroke - 2016-12-01 2:02 PM
jewels - 2016-11-30 7:08 AM I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will.
This surprises me. I've had a few different companies over the years but, for the past 4 years I've had Great American. I had a claim this year for a lameness that was difficult to find. Finally, after 2 MRI's on 2 different areas it was found. The claim was open for 5 months during this process. Great American covered everything from the MRI's to the treatments that included Tildren and Stem Cell. I know they have varying coverage you can choose but, my entire major medical benefit was exhausted and they paid easily and quickly.
I also have two close friends who had claims last year and they too had no issue getting paid. These cases were all lameness issues though and not a colic incident. I'm sorry for the loss of your horse.
I know some people who use Great American & have got paid. I know some who use it & don't get paid. I had major medical on my horse, death, loss of use. With the prp treatment what got me is this and in all honesty - I think my honesty was what caused this issue. Every year I listed 3 vets that I use. One is my local vet & I used him for coggins, meds etc. Another vet I used was mainly for injections and then I would go to a vet that is 3 hours away if I thought my more local vets might not be getting something or if I was up that way or if we had a horse colic b/c they would be the one doing surgery. Anyways Great American contacted all 3 requesting records on ALL work I have done. Not just the horse in ? for the prp. What they finally told me was that they were trying to make sure I was taking this mare in as a grade mare. Okay fine I get that. I had taken another horse I owned in and she is grade & they injected her...... So they denied my claim b/c they said she had too many injections in 1 year in her hocks. My registered mare had been injected once & the other mare 2 times..... over a years time... so that made 3 total. The prop was for a torn suspensory not anything to do with hocks so I didn't understand that. Anways I called my vet & we both had to call insurance... then my vet had to send in a statement & description of both horses. Even though that was on records sent to insurance on ALL my horses. And I only had one insured. IMO they were just trying to not pay me. I get that people are dishonest & try to cheat the system & I take pride on being a honest person. But if I ever have another horse insured- I probably won't be real honest, I can think of a few things that probably would have helped me get my money for prp easier & money for the death. Also my two local vets called & told me that how much hell my insurance was giving them & how rude they were. One of them has done some surgeries & deals with insurance all the time and said my company was the worst he had ever dealt with. I wish I would have switched then - maybe I would have at least got my money to start over with another horse.
As for colic that's another long story... I will say she never healed from the suspensory & would not be able to run again. They denied loss of use b/c I could still use her for a broodmare. Which to this day I still don't understand that b/c I sure thought loss of use meant loss of running barrels. Anyways a year later she went on to colic. Anyways I try to be over it but I just dont' feel that any of that was right. But I am blessed b/c she did have 1 colt before passing & I am just now starting to run him & he is very nice. So at the end of the day, I should just move on. Sorry very long story & I tried to keep it short so I hope you understand all that.
I have great American as wel no problems in any of my claims |
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Elite Veteran
Posts: 926
| riversedgeqh - 2016-12-13 2:25 PM
If you don't get anywhere with your appeal, you can file a complaint with your state insurance commissioner's office.
This.
Be sure your carefully read what is covered and not covered. Call the carrier and ask questions if you don't understand. These plans have restriction, especially for pre-existing. They typically use a point to point, not an original coverage date. For example, you are covered and your horse is diagnosed with a condition. Vets recommend conservative therapy before surgery, which you do. If you go through a renewal before the surgery is performed, it will then be be pre-existing.
Mortality is fairly straight forward and the premium is realtively inexpensive. Medical and other riders sometimes are limited, so be sure you read and understand what the coverage entails.
If you receive a denial and things just don't seem right, contact the state insurace board. Send them the details of the claim as well as copies of documents, denials, bills etc. State the facts as simply as possible and copy your insurance carrier on the letter.
I know sometimes it seems like the insurance company is making you jump through hoops, but there is fraud, and unfortunately the ones that follow the rules usually feel the consequences from those that don't.
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insurance denied claim