Another Canadian dies in Mexico

[mikedavid00]

He was a snow bird. They say it's another hit and run.

There is another in hospital.

[guyser]

He was a snow bird. They say it's another hit and run.

There is another in hospital.

Lots of Canadians travel, and therefor die. As an insurance broker I can say with certainty. So?

[margrace]

So as an insurance guy Geyser you should have the figures, How about you tell us how many die from natural causes and how many die as these four lately seem to have???

[guyser]

So as an insurance guy Geyser you should have the figures, How about you tell us how many die from natural causes and how many die as these four lately seem to have???

It really does not matter how they died. They died, and there is not much Canada can do but work some diplomatic phone calls.

We still have no idea why some of them died anyhow. It looks like that Woodbridge boy was hit by a car. So?

[Wilber]

In the last three days there were two people killed by hit and run drivers in Vancouver. Considering the number of Canadians who go to Mexico during the winter, I wonder if the odds are that much different.

[geoffrey]

I'm sure no one stops at an accident scene in Mexico. I know I wouldn't.

[mikedavid00]

I'm sure no one stops at an accident scene in Mexico. I know I wouldn't.

I heard on the radio that a million Canadians go to 'that side' each year. I don't know if they specifically meant Mexico but it sounds right at 1 of every 32 people. I know several that went this year.

This guy calls up our after work talk radio call in show and says that he doesn't want to go to Mexico now after this but has no choice because he booked his tickets.

So the host says 'when you go will you go off the resort?'

He says: "oh yes".

I still say this is coincedence. The reasoning is in any first chapter of a gambling book.

[Charles Anthony]

It really does not matter how they died.

That does not surprise me in the least. It may not matter to an insurance company how a person dies.... or should it? Maybe we are going to see higher rates for people hailing from Woodbridge?

This:

Another Canadian couple shot on vacation in Mexico

Colin Freeze

February 5th, 2007

TORONTO — Two Canadians were shot in an Acapulco hotel this weekend, a year after a Canadian couple was found slain with their throats slashed in a Cancun resort.

In both instances the Canadians are said to have hailed from the Toronto suburb of Woodbridge, Ont. This time, however, the two victims, said to be a man and a woman, are expected to live.

A Canadian eyewitness to the aftermath of this weekend's gun attack said he was "99 per cent sure" that, in this case, the violence was random.

---SNIP---

A number of Canadians have recently been killed while vacationing in Mexico. Last month, 19-year-old Woodbridge teen Adam DePrisco was killed in Acapulco. His family suggests he was beaten but police in Mexico say he was run over by a car.

The Globe and Mail

is looking less and less random. I wonder if Canadians are a perfect target for criminals or if there is something fishing going on in Woodbridge.

Should Canadians planning to travel to Mexico:

1) forget about travelling to Mexico

2) stop wearing Canadians flags

2) start wearing American flags

3) all of the above

4) none of the above

?

This is what I think: if all of these murder victims had life insurance AND if these deaths were NOT random, the insurance companies would solve these crimes. Otherwise, we are at the mercy of the glorious and effective justice/punishment/penal/crime/law/order systems of both Canada and Mexico.

I originally wanted to put this post in the Maple Leaf Patches and Pins thread but unfortunately, it degenerated into a pathetic rant.

[Robert777]

It is supposely a free country...Canada is....I guess. So if people from Woodbridge want to go to Mexico to be robbed or killed, that is up to them. Personally, I wouldn't spend my money in a 3rd World hole the likes of Mexico. But then again, what do you expect from a bunch of blood thirsty 3rd Worlders.

PROUD TO BE A REFORMER, BUY A GUN AND PO A LIBERAL! :angry:

[guyser]

That does not surprise me in the least. It may not matter to an insurance company how a person dies.... or should it? Maybe we are going to see higher rates for people hailing from Woodbridge?

An insurance company has no desire to find out why a person dies , other than in the first couple of years due to reduced coverage period. after that, dead is dead and they will attempt to get a report but will be cutting the cheque in the meantime.

I dont know , but it seems being Italian and from Woodbridge should make insurers raise their rates.

[White Doors]

That does not surprise me in the least. It may not matter to an insurance company how a person dies.... or should it? Maybe we are going to see higher rates for people hailing from Woodbridge?

An insurance company has no desire to find out why a person dies , other than in the first couple of years due to reduced coverage period. after that, dead is dead and they will attempt to get a report but will be cutting the cheque in the meantime.

I dont know , but it seems being Italian and from Woodbridge should make insurers raise their rates.

Not true.

suicide.

[blueblood]

Or that travel agent has a lot of explaining to do

[guyser]

White doors...ya think so?

No, only for the restricted time period, thus I wrote "other than in the first couple of years due to..."

Give them a death cert , a reason and an address and they will cut the cheque.

[Charles Anthony]

Give them a death cert , a reason and an address and they will cut the cheque.

Give them a lot of people dying and the insurance companies will start changing their rules.

People can be charged with wrongful death suits. If payouts become common such that profits are eroded, it is in an insurance company's interest to find a perpetrator and take them to court. I would.

[blueblood]

Give them a death cert , a reason and an address and they will cut the cheque.

Give them a lot of people dying and the insurance companies will start changing their rules.

People can be charged with wrongful death suits. If payouts become common such that profits are eroded, it is in an insurance company's interest to find a perpetrator and take them to court. I would.

The travel agent to court maybe. I think it would be harder taking a foreigner to court in a spot like this. I don't think a mexican court would respect the authority of a canadian insurance agency, and i don't think a mexican is going to come up to Canada, there really isn't a lot that can be done about this.

[guyser]

Give them a lot of people dying and the insurance companies will start changing their rules.

People can be charged with wrongful death suits. If payouts become common such that profits are eroded, it is in an insurance company's interest to find a perpetrator and take them to court. I would.

Charles , people dying will not change an Ins Co to amend the rules. The rates perhaps, but the rules are solid. High payout policies may have certain "location" exclusions much like any Homeowners insurance has , ie we dont pay for acts of war, insurection or forced relocation. Life policies may nnot payout depending where that Executive may travel , but like anything , Ins Co's can be persuaded to waive any amendment for the right amount of premium.

An insurance company will not take a perpetrator to court. They have no legal standing. They agreed to pay for a death. Thats what they are presented with and therefor will payout. (certain exclusions may apply)For what you say to be true, then the Ins Co must prove that the Third Party benefitted from the death of the insured via payments made from the policy. That never occurs un less we are talking about your wife putting aknife between your shoulder blades as you sleep. She can benefit , but then again she is not a third party.( of course I do not wish you any harm , your wife might want to if you dont clean up after yourself but thats another story )

[Charles Anthony]

An insurance company will not take a perpetrator to court. They have no legal standing.

What do you mean they have no legal standing? I am not denying that they will payout the beneficiaries. I am suggesting that they seek damages AFTERWARDS from the perpetrator.

Are you telling me that if an entire familyA gets murdered or killed by drunk-driving-millionaireB and the insurance company has to pay a few million dollars to the next-of-kinA, the insurance company has NO legal standing to seek wrongful death damages from millionaireB to recover their losses?

[guyser]

What do you mean they have no legal standing? I am not denying that they will payout the beneficiaries. I am suggesting that they seek damages AFTERWARDS from the perpetrator.

Are you telling me that if an entire familyA gets murdered or killed by drunk-driving-millionaireB and the insurance company has to pay a few million dollars to the next-of-kinA, the insurance company has NO legal standing to seek wrongful death damages from millionaireB to recover their losses?

That is exactly what I am saying.

The Ins Co and Person X came to an agreement to indemnify Person X's beneficiary upon the death of Person X. It confers no rights to recoup any death entitlement back to the Ins Co upon discovery that the death was caused by a drunk driver, or failing that any other reason for Person X's death. (suicide in the first two years is excluded)

As a result of 9-11 there have been some changes with respect to terrorism deaths, but that is after the fact and as such no lawsuits that I am aware of trying to re-coup any monies paid for death settlementsas a result of 9-11.

The Ins Co has not technically suffered a loss in paying out a death benefit. Their business is to pay these things as a service. It is not the same as property and casualty insurance.

And as public service announcement , remember should your wish be to "expire" on this planet , do it in your car. An auto policy has no death exclusions including suicide . Should one decide to expire at the hands of a gun, do it sitting in your car because your family will get the death benefit , whether the car is running , sitting parked on blocks or stored in your garage.

Heyt, it's another $25,000 the family gets. Who cant use $25G's......anyone priced a coffin lately ? Rentals cost $4000 and up , buying a coffin is even dearer.

Editted to add: Charles I am not suggesting it is you when I wrote "should your wish.."---just a generic "you"

[Charles Anthony]

That is exactly what I am saying.

The Ins Co and Person X came to an agreement to indemnify Person X's beneficiary upon the death of Person X.

Indemnifying the beneficiary of personX is not what I am talking about.

It confers no rights to recoup any death entitlement back to the Ins Co upon discovery that the death was caused by a drunk driver, or failing that any other reason for Person X's death. (suicide in the first two years is excluded)

That can easily be changed.

Editted to add: Charles I am not suggesting it is you when I wrote "should your wish.."---just a generic "you"

Trust me, it takes a hell of a lot more than that to hurt my feelings.

Nevertheless, I appreciate your advice. I will try to keep it in mind if I should ever feel compelled to expire.

[guyser]

That can easily be changed.

I am sorry but no it could not.

The Ins Co's would then have to enter into a third party agreement with the insureds , setting off mega alarms for policyholders .Not to mention that once the court hears the testimony , the court would throw out the Ins Co's suit.

It is their business to pay off a policyholder. The courts recognize this. The court hears of no conditions after two years (other than fraud) that allows for denial of claim, thus the court will deny them any recourse.

In other words the Ins Co would have to show the court that they suffered a "loss" . The Ins Co cannot show that a death benefit payment is a loss because that is precisely what they do.They pay folks when someone dies.

The Insurance Bureau of Canada would never allow it to change for this same reason . Actuaries do in fact consider the many ways people die , murder, drunk driving, suicide and know the percentages each represents and thus charges accordingly.

Life insurance co's make a ton of money from people who take out policies and forget somewhere along the line to pay the premium , or insureds change policies or companies thus all profit for the Life Co.