by stswann » Sat Jan 10, 2009 04:41 pm
I know a guy who has insurance on an engagement ring that he insured on his house insurance. When he was married, he did not even live at that address but at hers. They were married for almost a year & a half. He kept his house. She kicked him out for mental & physical abuse & he wanted the ring back which she NEVER gave him. He never paid a cent to live there & went back to his dilapidated place but hinted about claiming insurance on the ring. I am so tired of people abusing the system. I believe he is the type of person to do this sort of thing. Should I tell someone - if so who??
Posted: Sun Jan 11, 2009 03:22 am Post Subject: insurance
Ya know.............I saw a case, like this, on Judge Mathis once. The Husband was suing the Wife to get the ring back..they were NOT YET divorced. The Husband said the Wife "kicked him out because she din't like him anymore." Aslo...the ring as insured under HIS name. Also..the Husband The Wife had evidence of police calls, etc., that she had made, about the Husband threatening her life,etc. Also...she had photos of her in the hospital with brusies, etc. To make al ong stiry short, the Judge "ordered that the inurance ( for the ring) be put in HER name. and that the Wife DID NOT have to give the ring back." If this was a 'normal case' , then the Wife would have to give it back. However.....because this was a 'Hostile situation' type of thing, the Wife din't have to get it back.
Posted: Sun Jan 11, 2009 02:01 pm Post Subject:
OP since you don't know FOR SURE that this creep is going to make a claim I think I have a better idea....AFTER she sells the ring...THEN call the ins. company and tip them off that the ring has been sold it was rightfully hers to sell and you just want to let them know should a claim surface. Also call the local cops and advise them of the same because he will HAVE to make a police report if he files a theft claim...this should clean it up and make you feel better about him trying to get by with something.
Out of curiousity....how do you KNOW that he is planning a claim?
Posted: Sun Jan 11, 2009 02:53 pm Post Subject:
As for the police..I guess it depends on your area.
My thought on that is this...when a theft is reported, typcially the first place cops look is the pawn shops, (in my area there is a cop that his entire day every day is going to all the pawn shops looking for stolen goods...what a boring job! :shock: ) if she sells it at a pawn shop... there will be a record, and the cops will come asking her questions...now in this case she wouldn't be in any trouble, and could explain it. but it would still be a hassle..so my feeling was a 'pre' strike would be better than them calling her...Posted: Mon Jan 12, 2009 05:37 am Post Subject:
AFTER she sells the ring...THEN call the ins. company and tip them off that the ring has been sold it was rightfully hers to sell and you just want to let them know should a claim surface.
Lori, is this a feasible option for her? Won't this trigger suspicion in the mind of the insurer about why is she soliciting the claim?
Moreover, I'm curious to know, who is the rightful owner of the ring now since the marriage is no longer valid?
The husband has bought the ring and insured it in his policy, why would he be deprived of his rightful ownership???
Posted: Mon Jan 12, 2009 02:48 pm Post Subject:
I really don't know where this is headed, but after reading several state laws on this subject, here is how I see it (from a non-legal view):
The engagement ring was given to the girl as a conditional gift, given in contemplation of a marriage. Up to the point the wedding ceremony took place, the ring actually was owned by the man.
If the girl had called off the marriage and actually breached this agreement, the ring would still belong to the man.
Up to the time of the wedding, the man could have insured the ring under his home insurance policy.
The wedding actually took place, so the agreement was completed and now the ring belongs to the girl, lock, stock, and barrel.
Since the man no longer owns the ring, he could not insure it under his home insurance policy. We just can't insure property we don't own (excluding rented or leased property).
I just think this is a non-issue.
Posted: Mon Jan 12, 2009 04:57 pm Post Subject:
Thats true. So if he had his own policy at his own home then he can not claim the ring. Very good point Insurance maze. So if he does report it they more than likely would not pay the claim anyway.
Posted: Fri Aug 26, 2011 09:37 pm Post Subject: Pharmacy Rocks! I mean it!
Really great article with very interesting information. You might want to follow up to this topic!?! 2012
Posted: Sun Aug 28, 2011 11:19 am Post Subject: Pharmacy Rocks! I mean it!
Really interesting blog, keep up the good work!
Posted: Mon Feb 27, 2012 10:44 pm Post Subject: So carry do inspire which chemical allergic. Is pit and nap
Some should where the with the. This of stress it on create mainly. The balance of candida.
Add your comment