penguin said:As for fault if one is on - that's incorrect. You'll get cited, but it is not automatically your fault if you have one on. It will lead a LEO to say that it may have had something to do with your distraction, though.
I'm an insurance adjuster. The policy language cannot, by law, legislate any kind of criminal fault. An insurance policy is a civil contract of adhesion.LuckyAx2 said:That is why I said in Indiana. It is actually a clause here with Insurance companies.
That would be a declination of coverage, not a finding of fault.LuckyAx2 said:This ranges from "fault" to deference of coverage. If the company finds that the unit was not installed properly (ie the parking brake wire was not installed) then they have all they need to decline coverage.
I'm not sure who you are getting your insurance information from, but that is wholly incorrect.LuckyAx2 said:If another person hits you and upon damage inspection they find a bypassed video source in view of the driver, then that company will default insurance back to your company.
I just looked over a standard policy that is widly used in Indiana. there is no such language.LuckyAx2 said:The same is true in theft. Insurance companies send us vehicles all the time and if there is a theft in any form of video source we have to look and see if there are any signs of a parking brake wire. If not, they do not grant that individual a replacement product or coverage.
No 'fault insurance' is totally different than an exclusion. You're talking about a type of legal covereage theory versus just a paragraph of words in a policy.LuckyAx2 said:Again this is Indiana. Our northerly neighbors have no fault insurance in Michigan.
Yeah, you can get all that or just by the bypass (I looked at Alpine before I got my Kenwood - I liked the HD navigation better).LuckyAx2 said:Also, for pulse signals you only need a switch and a push button valet switch, a ground source, and an accessory signal. The Pioneer Gyro sensor models sometimes need complete "hacking", while others have a tab you can pull that reads "Removal of this tab voids the warranty" which just seizes the gyro capabilities.
It's a Jeep Commander Forum, where owners of similar vehicles come together to better each other. I would be glad to talk to you offline about this as to not waste other members time, but not really because that would be wasting mine as well.Mr. Madison, what you've just said is one of the most insanely idiotic things I've ever heard. At no point in your rambling, incoherent response was there anything that could even be considered a rational thought. Everyone in this room is now dumber for having listened to it. I award you no points, and may God have mercy on your soul!
Just because you're filling out a simple one page IDT-10 form for an insurance adjuster does not mean you know insurance practices. Not getting personal, but you have about as much knowledge in insurance law as a guy flipping a burger. It's like if I commented on how to better install an A/V system than you, even though I do it in my garage. I'm not better. Insofar as the other adjusters; if they say I'm wrong, come in this thread or create a new one. If you're a good adjuster and you see someone posting bad insurance comments, you'd correct them (like I did). BTW, it took me all of 10 minutes to fill out my response. I didn't know that was alot of time. I also had my other computer up next to it *gasp* working insurance claims (I'm a casualty adjuster - which encompasses larger claims than these guys working for GEICO on just property damage). You can install all the video devices you want in a car but it won't get you one step closer to knowing insurance law. Again, if you would have read - I am licensed to practice in Indiana and read over an Indiana policy, which governs what you're talking about (which honestly doesn't make sense as you don't know much about insurance law).LuckyAx2 said:congrats on proving you have too much time on your hands. After signing installation verification agreements and working on a daily basis with Insurance adjuster, installing over one hundred in dash video sources, and verifying safe installation practices for 8 years in Indiana, not New Orleans, I think I have justification for my response. Funny that I had 7 personal messages saying how dumb your little argument is (3 that said they are insurance adjusters themselves).
I must quote the classic film Billy Madison in reply to your insanely long rambling:
It's a Jeep Commander Forum, where owners of similar vehicles come together to better each other. I would be glad to talk to you offline about this as to not waste other members time, but not really because that would be wasting mine as well.
SFD, sorry that you had to endure this simply to get an answer. I love my 5510 (did you get the bluetooth adapter?). Looking back the 6610 would have been nicer to have simply for the dual zone play. Either way the 5510 is one amazing unit!
1) I did not make any law or interpret it. If you would have read my first post on the subject you would have noticed wherein I stated that contracts of insurance do not legislate anything. Hence, not make law. True, Indiana does not license adjusters so I stand corrected in that regard (I can practice in almost every state).cico7 said:Penguin, stop.
You making a bigger hole. You are not the only insurance person on the forum and you did attempt to tell lucky his job.
Most states do not license adjusters. You dont make law or interpret it. You adjust claims based on company practices. And dont tell me you dont try to make your own laws, that is how so many carriers get away with shoddy claim practices, they present themselves as the law. When they are only trying to reduce the loss.
I sat back hoping you would run out of steam and go away......
CPCU, Clu, CiC, ARM