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Posted by mm on June 2, 2006, 4:50 am
On Thu, 01 Jun 2006 04:19:06 GMT, "George E. Cawthon"
>JoeSpareBedroom wrote:
>>> On 30 May 2006 16:21:16 -0700, bigjim@backpacker.com wrote:
>>>
>>>>> You will also find much higher quality locks that you are going to find
>>>>> at
>>>> Home Depot. <
>>>>
>>>> At a much higher price I bet too. If a ne'er do well wants in bad
>>>> enough a lock wont stop him.. Save your money
>>> But she's not looking for quaility, as you seem to assume. She's
>>> looking for a design she likes. It may just happen to have higher
>>> quality and cost more, but you have to spend money to get what you
>>> want.
>>>
>>> As far as wants in bad enough, you're right, someone could dynamite
>>> the wall of my house. But a cheap lock keeps out most people, and a
>>> lock with screws that go deep into the jam keep out a few others.
>>>
>>> My best friend's parents never locked their doors, up until they moved
>>> 2 years ago. But they never got burgled either. Locks work, and most
>>> people need them.
>>>
>>
>> You need locks for two reasons:
>>
>> 1) You'll feel like a moron if you get robbed and the house wasn't locked.
>>
>> 2) If you tell the cops the place wasn't locked, they'll make a note of that
>> in their report. You will be given the usual 17th pink copy, totally
>> illegible, except for the words "house not locked", and your insurance
>> company will use that as an excuse not to honor the claim.
>>
>>
>You're kidding! I'll bet if your car is unlocked
>and it is stolen, that the insurance company won't
> honor the insurance for theft and fire. Not!
I'm too old to understand your last sentence. You're saying they will
or they won't pay a claim if the car isn't locked?
I think they will, and for things stolen from an unlocked house, but
it would depend on what the policy says. Sometimes insurance policies
start off good, adn when they are renewed, the terms are changed. I
certainly don't read my policies in full everytime they are renewed.
Some states, maybe most or all, have laws, I think, requiring changes
to be listed on a separate sheet, so one only has to read the changes.
If a roommate is suing another for losses to a thief, if the other
roommate left the door unlocked, when it was normally locked, he's
likely liable to first roommate. And after payment he would have a
claim against the thief.
But the general meaning of an "insurer" is a guarantor of
reimbursement. How often do policies change that, I don't know. But,
for example, if everything is done right, a house fire will almost
never occur. Someone has been negligent almost every time. Does that
mean insurance almost never pays for house fires? I don't think so,
but I welcome correction.
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