In the spirit of Adar and “ve’nahafoch-hu,” we present two of our true insurance claims that somehow turned out differently then we or the clients expected.
Case 1: The Missing Tefillin
Our client insured an expensive pair of Tefillin (+/- $4,000) for All Risks cover (i.e. both inside and outside the house). He called us frantically one day to report that the Tefillin were missing from his yeshiva. A week of posted notices, calls to the yeshiva administration, etc., did not bear fruit. Reluctantly, our client reported the case to the police and we filed a claim. The claim’s check was issued and our client bought a new pair of Tefillin. (This time, however, he kept them at home.)
One day, during the silent amida, our client’s concentration was suddenly broken by a hand coming from behind him and placing – you guessed it! — his old Tefillin on his shtender!! By the time he turned around, only davening yeshiva men faced him. Obviously, though, these Tefillin no longer belonged to him. He hurried to our office to return them. I, in turn, took them to the insurance company and told them the whole strange story.
- A huge kiddush Hashem.
- The manger promptly asked me to offer the “old” Tefillin back to our client at a greatly reduced rate. Our client, when I called him, had just celebrated his first son’s brit milah, and was more than happy to buy the Bar Mitzvah Tefillin a few years early!
Case 2: The Car Chase:
The claim began in a brutal fashion. Our client’s wife returned to the family car in Jerusalem after a day’s work. As she was starting up, two men approached her and ordered her out of the car. Not taking any chances, she obeyed and watched helplessly as the two “punks” laughingly drove away. Again, a claim was filed and our client was paid out.
One night, our client was driving a rental car in Jerusalem and suddenly he saw in front of him his car, complete with its original color and license plates! Our client was suddenly filled with passion to have his old, beloved car back. He began to tail “his” car, at the same time calling the police on his cell phone. The police joined the chase and on King George Street, two police cars suddenly blocked the road and forced the driver to stop. Claiming total innocence, the driver claimed that he had bought the car legally. Unfortunately (for him!), our client was right behind him to identify himself as the true owner of the car, as proved by the original license papers and bituach chova, still in the glove compartment. The “punk” was hauled away (and later positively identified by the client’s wife).
But who owned the car? Our client, who already had his check or the insurance company which had not yet transferred ownership of the “stolen” car?
- The insurance company offered to sell the car back to our client for a reduced rate rather than go through the legal tangle that the case presented.
- Our client was praised by the police for quick, decisive thinking and action.
May all your claims turn out for the best.
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