Vehicle plows into crowd on Bourbon St., with 14 fatalities (2 Viewers)

[UptownSaintsFan]

Sidebar insurance question from the other day:

For those people put out by the move of the Sugar Bowl - would travel insurance be able to deny claims based on a terrorism designation?

Oh man, i was thinking about this after Boston. I was thinking that the guy who's boat got shot up must have been one of the first to get screwed by the terrorism exclusion

 

[superchuck500]

i havent read a "travel insurance policy" so im not sure if they have a terrorism exclusion. If they do, yes they can and most likely will. ( deny claim )

other aspect i kept thinking of last night- the businesses on Bourbon that will have to remain closed during this period of time for investigation to conclude....the lost revenues are directly a result of terrorism incident. Law enforcement obviously will deem the area "off limits" ( civil action ) so is the causation of the loss from the terror incident or civil authority? This will most likely get played out in court as i imagine some Bourbon St businesses are already filing claims this morning and looking for coverage. ( A- if they have business interruption and B- have terrorism coverage INCLUDED - so MANY exclude coverage since literally nothing has ever happened )

I just read AMEX sample policy- they cover it. So for those who booked travel with/thru AMEX, and bought ( or had complimentary coverage using AMEX card ) they would have coverage if had to cancel. So long as the incident took place AFTER coverage eff date ( im assuming original travel date )

n. A Terrorist Incident in the Covered Person’s cityof destination that occurs after the CoverageEffective Date. The Covered Person must bescheduled to arrive in that city within 30 daysfollowing the Terrorist Incident;

https://icm.aexp-static.com/Internet/TWGMigration/pdf/AETI_Sample_Designated_Trip_Base_Certificate.pdf

note- this was a quick, cursory look- there MAY be additional language further down that limits coverage ( or even excludes )

I typically get travel insurance for our trips - in fact, I'm on one right now. The policy I have on this trip expressly covers cancellations and rescheduling due to terrorism, and I'm sure it's a typical policy.

So, like efil is saying, its actually a basis for coverage rather than exclusion.

 

[efil4stnias]

Oh man, i was thinking about this after Boston. I was thinking that the guy who's boat got shot up must have been one of the first to get screwed by the terrorism exclusion

without reading his policy, if he had "comprehensive" coverage ( akin to comp/coll for auto ) terrorism is NOT excluded. Its included. ( as it is in Homeowners/Condo/Renters as well )

The ONLY time you will have terrorism excluded from auto/boat is if you are with a company that carves out that coverage and you have option to "buy back"

Its mainly in commercial policies you find this exclusion.

 

[UptownSaintsFan]

without reading his policy, if he had "comprehensive" coverage ( akin to comp/coll for auto ) terrorism is NOT excluded. Its included. ( as it is in Homeowners/Condo/Renters as well )

The ONLY time you will have terrorism excluded from auto/boat is if you are with a company that carves out that coverage and you have option to "buy back"

Its mainly in commercial policies you find this exclusion.

The more you know...

 

[UptownSaintsFan]

I typically get travel insurance for our trips - in fact, I'm on one right now. The policy I have on this trip expressly covers cancellations and rescheduling due to terrorism, and I'm sure it's a typical policy.

So, like efil is saying, its actually a basis for coverage rather than exclusion.

I don't usually. should i be getting it?

 

[Mr. Sparkle]

I'm sure there are many of us that have a connection to one or more of the victims - I worked with the father of Tiger Bech, the young man from Lafayette who played football at STM and Princeton - I knew him as a toddler. My college kid was uptown and fortunately declined an invite to go to Rick's at 2:45am - several buddies of his (U. of Alabama DEKEs) ended up sheltering in place at the strip joint and were finally ushered out by law enforcement who told them "eyes forward do not look around" - of course they all did and saw all the carnage. Just a horrific event. I don't even know how to thinkg about it yet.

 

[Mr. Sparkle]

Also - our vacuum of leadership at every level really shows after catastrophes like this - our AG says don't play the Sugar Bowl yet, our governor says Play Ball, our Mayor was spotted at Houston's bar 30 minutes after the press conference, our Senator hints at a larger plot but no details, the FBI says there are likely more suspects at large but has no description or other information, and we have no definitive statement as whether there are any more IEDs. And then a 3 minute mumble from POTUS with no information and no questions.

We're doing great.

 

[efil4stnias]

I don't usually. should i be getting it?

well im an insurance agent, so yes lolol. ( but im also quite risk-averse. Which is probably a by-product of my 30+ years in insurance )

 

[superchuck500]

I don't usually. should i be getting it?

I don't want to say anyone should get it - but there are some solid benefits and comfort that you get from it. I don't get it if I'm just taking flights to a city to hang out. But if my family is going somewhere with a resort stay and excursions or event tickets, etc., I get it. And I definitely get it for international travel.

For more typical domestic trips, the main benefits are only financial. So for example if your flight gets way delayed or canceled with one carrier, you have benefits that reimburse you for expenses including rebooking on another airline, a rental car, or a hotel . . . so you don't have to rely on the original airline's policy. It doesn't help you in that bind, but it gives you liberty to make arrangements knowing you'll get reimbursed. Another main area of benefits is lost luggage - or even delayed luggage. I once had bags delayed about 24 hours and we had a $500 benefit to go buy stuff.

But internationally, you want to have a policy with strong medical evacuation coverage. So for example if you catch a bad case of Covid in Spain or break your leg skiiing in Italy, or catch malaria in Cambodia, you have the option of being evacuated to the US for your care. And most policies actually have coverage for treatment of injuries or conditions arising on the trip.

The policies vary and you should consider what benefits are most applicable to any given trip. And I also highly recommend not buying a policy from a carrier like an airline - they're taking a basic policy and marking it up for their cut. I always use insuremytrip.com - they con't take a fee and allow you to compare policies (they have many policies from reputable, well-known providers).

 

[Paul]

I'm sure there are many of us that have a connection to one or more of the victims - I worked with the father of Tiger Bech, the young man from Lafayette who played football at STM and Princeton - I knew him as a toddler. My college kid was uptown and fortunately declined an invite to go to Rick's at 2:45am - several buddies of his (U. of Alabama DEKEs) ended up sheltering in place at the strip joint and were finally ushered out by law enforcement who told them "eyes forward do not look around" - of course they all did and saw all the carnage. Just a horrific event. I don't even know how to thinkg about it yet.

My son, 21, and his buddies also declined an invite to that area. They were on Magazine St. most of the evening and he decided to head back to his apartment in Baton Rouge around 2:00 am. instead of going to the FQ. He called me to talk on his way home which he typically does when it’s very late and he was telling me about running into his ex and that she was the one who invited him to Bourbon. Thankfully, he somehow convinced her and her girlfriends to also make their way back to Baton Rouge (they’re all LSU students).

When I woke up to this news yesterday, I was filled with gratefulness and extreme sadness at the same time. My son knows a couple of the victims and his mom and I will be flying down tonight to spend some time with him. This is awful and I’m sick of all the hatred and pointless loss of life. Sickening.

 

[Saint_Ward]

New Orleans attack updates: Suspect 'inspired by ISIS,' was military veteran

Fifteen people were killed and dozens injured when a pickup truck plowed into a crowd on Bourbon Street in New Orleans.

abcnews.go.com

Dunno if he was radicalized or just inspired by ISIS type attacks. They briefly mention him being angry about his divorce and wanting to kill that family. Then I guess he projected that rage outwards.

Regarding barriers. The fact they weren't in use due to upgrades really doesn't seem to factor. The sidewalks would still be vulnerable, I believe (unless I'm missing something about the design). But, I think moving forward, the Quarter should absolutely put barriers at the curbs/sidewalk.

 

[CapitalCitySaint]

Any time I see those press conferences no one ever looks very excited to be there so I just always assumed they were doing it because they all have to make a statement for their departments and drew the short straw. They all do it at the same time so they don't have to have 15 press conferences. That's always been my assumption.

I suppose that makes sense but just seems like it would have been better for each to just get up there, give a brief statement to include condolences, how their office will remain involved/apprised of anything and then yield to let the FBI - who is leading the investigation to field questions. That presser went off the rails and they should all be embarrassed. LaToya did an alright job and seems to be more articulate than the others but even she was doing her puppetry.

 

[Rickboy]

Yesterday, I saw several mentions of possible accomplices. Any updates on that?

 

[Saint_Ward]

Yesterday, I saw several mentions of possible accomplices. Any updates on that?

No. Just that the FBI doesn't believe he worked alone and they are chasing that down.