Quote: "So...you don't believe that a marine
insurer ever gamed a customer on a claim? "
In a discussion which some of us have tried to contribute to on the basis of reason rather than emotion, slang terms such as "gaming" (used to mean "deliberately defrauding") obviously has no place and only makes it additionally difficult for the naive to learn what they need to know.
I am sure we all understand that insurance underwriters employ adjusters and that the job of an adjuster is, specifically, to DENY claims where that is possible by virtue of "breach of contract", i.e. where the INSURED has either 1) not met HIS obligations under the contract
, or 2) made a FRAUDULENT claim. Be glad that it is so! Otherwise the premiums would have to increase limitlessly to enable underwriters to offer insurance at all, given the number of insureds who would then unblushingly "game" the insurers.
It is incumbent on all of us, particularly those of us who live in or have dealings with denizens of exorbitantly litigious societies, to have at least a nodding acquaintance with "the law of contract" as well as many other legal
matters, including the specific legal
meanings of words and phrases that are used by reasonable men
to define and specify the way they govern their affairs, and the way they deal with each other and protect themselves against the many who are not reasonable. Slack-ass use of those words and phrases, and the use of the "vernacular" in circumstances when that is injurious to the attainment of understanding, is, as far as I can see, the very root of litigiousness and - ultimately - the cause of breakdown of civilized society.