Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Insurance Companies to Force Genetic Testing

Life insurance is a con. We all know that. They take your money. Then when you make a claim they force you into court to make you back down or run you up a huge legal bill. I cashed my life insurance in when they stopped paying the share investment bonus that doubled what you paid in. Now if you close the policy you get back "less" than you paid in premiums.
Insurance companies want compulsory genetic testing
No one is perfect out there, so when they say they will make people have genetic tests before they can take out a policy you should be afraid. The big three insurers say they have not had one complaint from consumers so far. Unfortunately, the ones who had genetic tests have not made any claims yet. There will thousands of complaints when the insurance companies fail to pay out.

Thankfully, you cannot be forced to have a genetic test currently. However, you must hand one over if you have already had one - by law. Just why the government made giving up private information compulsory under force of law is a mystery.

Of those who have had a test or have had one when instructed by insurers (400), a very high 20 percent were refused cover. This is much higher than the half a million who gained cover without a test.
◆ Genetics  by Ty Buchanan ◆
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Volvo Protects Cars From Kangaroos

Though the protected bars on the front of rural vehicles is called a bull bar, it was originally designed to stop damage from hitting a kangaroo. These animals are as common as muck in Australia. Indeed, they are a native pest if ever there was one. Countless kangaroos invade farms all the time eating grass meant for food animals and drinking water pumped out of the ground.
Kangaroo hit in front of car vehicle 4wd truck stuck lodged
It is unusual for a driver to hit a wandering cow. Because they are valuable they are generally safely penned in. On the other hand, kangaroos wander freely. If they can't jump over a fence they will run through it. Several years ago I saw the remains of a kangaroo paw hanging from a fence wire. Obviously, the animal had survived and bounded on his way.

Volvo Australia is studying kangaroo behavior on the roadside. They intend to fit a radar sensor to cars that will scan the road ahead. When a kangaroo is detected directly ahead within contact range the brakes will be automatically applied to a vehicle.
Car write off by impact with kangaroo
If Volvo is successful it will dramatically reduce insurance costs. Over 20,000 kangaroos are hit annually in Australia. It is like hitting a brick wall. Some vehicles are written off; there is so much damage.
◆ Technology by Ty Buchanan ◆
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KANGAROO DANGER
 #kangaroos #bullbar #bull #cows #road #highway #danger #damage #insurance #cost  
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NRMA Lies to and Robs its Customers

The car insurance industry needs a shakeup. There is disgusting bias by insurance companies. It is like the police policing the police. Why are insurance companies allowed to judge blame in accidents when a particular outcome benefits them?
If shared blamed is decided upon by the insurance companies of both parties involved in an accident, the insurance companies keep the $600 excess paid by the drivers. This is a shocking state of affairs. An independent tribunal should be set up to judge the fault outcome of motor vehicle accidents.

It is absurd to leave decision making in the hands of an involved party, namely insurance companies. An aggrieved party can appeal to the insurance company itself. The outcome is certain - the appeal will be turned down. Apart from the Small Claims Tribunal there is not much an insured person can do.

If a party is uninsured an insurance company will write a letter to the insured person saying that due to insufficient evidence he/she is at fault for the accident: thus, the insurer keeps the $600 excess. This is a policy planned and carried out by insurance companies to rob their customers.

Very little is recovered from uninsured drivers. This is because few respond to letters from insurance companies. For a phone conversation to be used as evidence an insurer must announce that the call will be recorded and anything said will be used as evidence. If an uninsured driver hears this he will obviously put the phone down.

Basically, if you are an insured driver the insurance company judges you guilty until proven innocent. This is not how common law works. Innocence is the assumed initial state of a suspected individual in common law. It is surprising that so many people accept the existing state of affairs and do not challenge the current situation.

One of the worst offenders for the prevalent fraud is the National Roads and Motorists' Association (NRMA insurance). The Royal Automobile Club of Queensland (RACQ) is not far behind. But all insurance companies continue with this fraudulent behaviour.

I will be setting up a website where frustrated and dare I say angry insured drivers can vent their feelings on how they have been robbed. Watch this space!
✴ Law by Ty Buchanan ✴
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