Latest Coronavirus - Yikes

#56,927
#56,927
VolStrom said:
What would you say if you were diagnosed with covid-19 and your doctor prescribed it for you? Would you refuse it and tell him to shove it?
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Under this hypothetical scenario, I would take it. I would trust my health care professional and assume that he/she was working in my best interest. I just don't think that is happening based on what I'm hearing and reading about hydroxychloroquine as a treatment for this virus.
 
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#56,928
#56,928
hUTch2002 said:
Insurance policies, yes. Auto, Work Comp, Med Mal, General Liability, and the all encompassing “any other line of coverage where the measures of risk have become substantially overstated as a result of the pandemic”.
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I received a letter from Met Life today, they are lowering dental insurance premiums by 25% for April and May because dental offices have been closed.
 
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#56,929
#56,929
BowlBrother85 said:
Under this hypothetical scenario, I would take it. I would trust my health care professional and assume that he/she was working in my best interest. I just don't think that is happening based on what I'm hearing and reading about hydroxychloroquine as a treatment for this virus.
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So you think the president of the United States is getting bad health advice? That's kind of a reach don't think?
 
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#56,930
#56,930
zeppelin128 said:
She is the Speaker of the United States House of Representatives. Half of our legislative branch of government. And therefore our Speaker.
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The House can elect anyone speaker because it is a parliamentary position The speaker does not have to be a member of the House. It is the members' speaker, not the citizens'.
 
#56,932
#56,932
hUTch2002 said:
Insurance policies, yes. Auto, Work Comp, Med Mal, General Liability, and the all encompassing “any other line of coverage where the measures of risk have become substantially overstated as a result of the pandemic”.
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I assume most insurers will fight this won't they?
 
#56,935
#56,935
GoBigOrangeUT said:
Traffic, people, lack of outdoor diversity (though significantly better than West Tennessee). I live here so I understand the sentiment.

Not to mention that as UT fans, East Tennessee will always hold a special place in our hearts
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Don't judge all of Middle Tennessee by the Nashville Metro area. In the last 30 or so years Nashville has become another Atlanta with the traffic and population growth problems. 50 miles or so outside Nashville is a different world, beautiful countryside nice small towns and mostly homegrown folks.
And surely don't judge all of West TN. by Memphis.
 
#56,937
#56,937
VolunteerHillbilly said:
The House can elect anyone speaker because it is a parliamentary position The speaker does not have to be a member of the House. It is the members' speaker, not the citizens'.
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The Constitution does not require the Speaker of the House to be a member of the House, but every Speaker in history has been a member of the House. Whatever point you are trying to make here, it's not a good one.
 
#56,938
#56,938
BowlBrother85 said:
The Constitution does not require the Speaker of the House to be a member of the House, but every Speaker in history has been a member of the House. Whatever point you are trying to make here, it's not a good one.
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the speaker is a first among equals in the house. she has one vote, like the rest of them. and a constituency to answer to, like the rest of them.
 
#56,939
#56,939
LouderVol said:
I know why you are doing this, so plus one.

But this just has me wondering about the broader point. The people dont elect Congress people to their roles. Whatever district in CA voted for her. But then in power the party chooses her to be speaker. She's America's speaker with out being elected to THAT specific role.

How does the great VN electorate debate feel about that. Are we a true democracy or not?
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This is a good question that applies to Senate committees as well.
 
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#56,940
#56,940
BowlBrother85 said:
Under this hypothetical scenario, I would take it. I would trust my health care professional and assume that he/she was working in my best interest. I just don't think that is happening based on what I'm hearing and reading about hydroxychloroquine as a treatment for this virus.
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And you trust what you're reading?
🙄
 
#56,942
#56,942
hog88 said:
I assume most insurers will fight this won't they?
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No. A lot of personal lines insurers like State Farm and Hartford have already done it without government requirement. I stay out of personal lines as it gets messy getting into people’s personal lives. Some commercial insurers are either doing blanket refunds or open to talking about some kind of premium relief. There’s certainly no guarantee but, for those of you that own affected businesses on here, talk to your insurance agent and see what can be done if you haven’t already. Some of my clients haven’t been impacted and others are down almost 50%. The only thing insurers will fight is if courts try to force them to provide coverage for Business Interruption losses that are excluded in most Property policies. Some states, like NJ, have introduced legislation to try and force insurers to pay losses. It was stopped pretty quickly of course but the conversation isn’t over. It looks like the Feds will put together some kind of backstop program for catastrophic Business Interruption losses like they did with Terrorism coverage after 9/11. Hopefully they do better this time as that Terrorism program is a waste of premium because it’s practically impossible to meet the definition of terrorism under the TRIA act. That’s probably way more than you wanted.
 
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#56,945
#56,945
VolStrom said:
I just got a check from the Farm Bureau refunding my March and April premiums for car insurance because they're "nice people" just doing what they can to help out since people are driving less. On the flip side I just got a bill for my homeowners insurance and they went up 50%.
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I’m sorry. Homeowners sucks right now. Almost everyone is seeing an increase there so you certainly aren’t alone.
 
#56,949
#56,949
GAVol said:
Lol. What a bunch of BS.

I could slightly understand waiting until June and evaluating loss ratios for the last 90 days vs the same period last year and asking for premium adjustments, but ridiculous to put that out there with no guidelines.
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I don’t understand how it can be mandated. As frustrating as insurance companies can be, they are business just like the ones for which people on here work. While, in theory, the exposure to loss is lower in general, the state has absolutely no idea about the makeup of an insurer’s client base. What if their exposures aren’t down? A lot of construction companies and trucking companies haven’t seen a big loss of revenue and some are even seeing increased revenue yet insurers of those companies are going to be forced to give money back? As usual, blanket policies like this aren’t a good idea.
 
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