Had a visit today from a claims adjuster, who'd been hired by my insurance company to investigate matters relating to the dump truck crash a year and a half ago and, much more recently, to us getting sued. I was curious how this would go.
Assuming that the primary goal of an insurance company is to collect lots of premiums and deny all claims, then even better than passing off some of a claim to another party is just outright denying the claim in the first place. So there was some anxiety.
The guy was friendly enough. He wanted to talk first about what had happened, and then check out the scene of the accident. And here is where I pulled the ace out of my sleeve, namely, Attackpoint. No, Kenny, if you happen to be reading this, I'm not getting AP involved in a lawsuit. I just mentioned that I keep a diary because my memory isn't very good, and would he like to hear
what I wrote that day.
Well, he sure would. So I read it to him. He seemed to think that was real fine.
And then I asked if he would like to see some photos I took.
Well, he sure would. And he really liked the one that showed that the branch, the supposed sign of my negligence because my trees weren't properly trimmed, said branch had some of the greenest leaves on it you could imagine. He really liked that. No way anyone could have expected that to fall, no way that should have been trimmed off.
So then he turned on his tape recorder to get a statement from me, most of which was me reading the AP entry. And then we took a walk down to the road for a bit. And then he headed off, saying as he left, you would make a real good witness. :-)
Though, of course, the insurance company can still deny coverage. Because that is what they do.