[madmax]

Originally posted by Tom Earp
The Higher Risk Insurance does not cover such things as breaking the laws. While I dont think that this little girl got her alcohol from LXA Party as it was nver proved,and she was killed by a drunken driver who was a lawyer, after 3 years it was so ajudged. Did they deserve it, I dont think so, but it was still handed down by ASU and LXA Hdq.

So, they are gone.

The higher Risk Insurance covers Liability, Accident, Fire, ETC!

Once The Contract with a Company is broken, they deem themselves not bonded by that agreement or contract.

According to Stipulation Z, Section 1000, and Section 50 qazillion part xyz, they can and will deny any fault and payments.

So basically, No Fault Risk Insurance is written just like your Homeowner, Vehicle, Medical, and Life Insurance!

Pay out the butt but, duck and cover.

That still doesn't answer the question. A standard homeowner's policy covers liability, accident and fire. Why should a fraternity pay a high risk premium that is over and above the standard premium if none of the high risk activities are going to be covered? It would be like buying flood insurance because you live in a flood plane but the insurance doesn't cover floods.