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It wouldn't necessarily be the Insurance company that
sets "lower rates for 'good' chapters", but the HQ.
Maybe HQ must pay $xxx per member....but the HQ charges
the chapters and could charge 'good' chapters less and
'bad' chapters more, so that the total for all chapters
"comes out" in the end.
This is how Lambda Chi did it for a while...don't know if
they are still doing it.
But even with that method, if the insurance co. has
a 30% increase in rates that it charges, even the
"good" chapters will have their rates increased.
Oh, and btw, even "little" claims are made, and paid,
no questions asked.
One summer at Vandy a guy was playing basketball in the
LXA lot on the LXA goal.
The house was closed and locked
for the summer (in fact, even the brothers could not enter
the house...it was rented from the univ, and the chapter
did not pay rent in the summer!)
He twisted his ankle pretty bad and was taken to the
emergency room. Eventhough he was "trespassing",
and eventhough no brothers were on campus during
the summer, and eventhough the chapter wasn't renting
that building during the summer, and eventhough he
offered his own insurance card at the ER.....
the ER (Vandy Hospital) sent the bill to LXA's insurance,
which paid for the ER visit, no questions asked.....
HQ then raised the insurance rates on the chapter
starting in the Fall (they were no longer a 'good' chapter).
I doubt a "No Trespassing" sign would have helped.
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