No Scrub Cow Was Ever Mangled to Death by a Train!

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Its amazing how the worth of a persons worldly goods goes up when there's a possibility that the loss they have suffered may be compensated by an insurance company.

As any insurance adjuster will tell you, the people are few and far between who will admit to losing shoddy merchandise by theft, fire or other disaster.

A stolen coat is by no means an ordinary garment as the label would plainly show. This assumption is fairly safe since the label disappeared with the coat and now who is to know? Only coats of recent origin fall into the hands of the unscrupulous. In lieu of a sales slip to date the age of the garment, there is a glowing description of a coat almost new - worn a couple of times, once to church and once to grandma's funeral.

Household goods will decrease in age in increase in value when they have been "burgled" or burned. Only brand names that speak of the highest quality have been lost and should be paid for on that basis.
The loser may ease their conscience by admitting that the stuff they lost had been subject to some wear or tear, but because of age it had become a family heirloom.

"These items can never be replaced," the loser moans. This may be a true statement. Without going to the city dump, it might be impossible to duplicate furnishings in the same state of dilapidation. Nearer to the truth in many cases would be the fact that the items lost were given to the family by in laws or some other family member when they started housekeeping and they would long ago have been hauled to the furniture graveyard if there had been money to buy something new.

Before most of today's claim-conscious tribe was born, the gullibility of railroads was tested every time a train hit a cow who had the poor judgment to get on the tracks. No scrub cow was ever mangled to death by a train. The deceased was always the best animal in the herd and definitely worth more than market value. Why such valuable livestock wasn't kept under lock and key never altered the fact that much money should change hands.

Settling an insurance claim often becomes a battle of wits as the search continues for truth which must be hidden somewhere under a mass of exaggerated verbiage.

If the claim is paid, the company man is a gentleman and a scholar. If he turns thumbs down or limits compensation, he is either a heel, a tightwad or a crook, or a combination of all three. Using the fallacy that two wrongs make a right, some claimants justify their actions as a means of what they consider "ill-gotten gains."

We seem to remember that Robin Hood had this same idea of taking from the rich and giving it to the poor. Hopefully, the majority of those seeking insurance compensation have the integrity to tell it like it is when a loss occurs. But there seems to be a growing number of those who have adopted dishonesty as their best policy and this shows up in the rates all of us have to pay.

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