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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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