Quote:
Originally Posted by blankall
This should not be true. If it's not your fault, then your insurance policy does not pay at all. And no claim against your policy.
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Yes it "should" not be, but it is unfortunately.
I think the insurance company looks at it like a transaction. They engaged us for our services, so we will keep this on our records as it consumed personnel time and systems to track even though no payout was required.
Also I would bet they look at it as a risk indicator for future policy pricing. ex) This guy calls in a lot (even if no fault), so he is either putting himself in risky positions a lot or he is going to make lots of claims for small stuff that costs us time/money.