Thorn Song confusion furthers Zayat intrigue

[prudery]

Originally Posted by Antitrust32

I work for the largest Equine Insurance company in the world.

We can not, will not, and never have paid a mortality claim on a horse that is alive. We REQUIRE necropsy reports on dead horses to be able to pay a claim.

Check out my post above that discussed Loss Of Use, or Stallion Accident, Sickness & Disease.

it is 100% different than a mortality claim. Loss of Use claims do happen, we pay out about 75% of the horses value and we get ownership of the horse. or you have the option of getting a lower amount and keeping the horse. My company does NOT offer LOU to race horses. Also, you dont automatically get a LOU payment if your horses loses its use. You have to buy coverage for LOU (3.75% rate here).

Cigar and War Emblem fall under AS&D. Insureds can purchase AS&D for Stallions and if they fail in the breeding shed (like dont have live sperm like Cigar and War Emblem at first), then they can get a claim paid.

I think you are a little confused about the word mortality. It is impossible to pay a mortality claim on a live horse. Thorn Song obviously had AS&D or LOU or a fraud situation occured.

No I am not confused NOR do I not comprehend that it does logically seem impossible to pay a mortality check on a live horse ...

BUT--I viewed the actual check as per KY.com and it does indeed say MORTALITY claim on Thorn Song ( less deduction ) ...

So THEY called it as such, paid out as such, and though I am not in the biz, I assume that is how they did it considering that the horse was a total ...

And they knew the horse was not dead---see for yourself ...

When I said check in my original post, I meant THAT particular check--not all mortality checks of course ..

I do ubnderstand LOU, and I do understand what mortality means ..

[Antitrust32]

Originally Posted by prudery

No I am not confused NOR do I not comprehend that it does logically seem impossible to pay a mortality check on a live horse ...

BUT--I viewed the actual check as per KY.com and it does indeed say MORTALITY claim on Thorn Song ( less deduction ) ...

So THEY called it as such, paid out as such, and though I am not in the biz, I assume that is how they did it considering that the horse was a total ...

And they knew the horse was not dead---see for yourself ...

When I said check in my original post, I meant THAT particular check--not all mortality checks of course ..

I do ubnderstand LOU, and I do understand what mortality means ..

That would not happen with my company, We dont pay mortality on horses that are alive. We must see a necropsy. Euthanasia must been recommended by a Company Approved Vet, etc. We also dont offer LOU on race horses.

maybe the check was written as mortality and wasnt paid as mortality. Also, why is Zayats check posted on a website?? that makes no sense and I dont think I'd believe it even if I saw it.. I just went to ky.com and it was for KY Jelly.

[prudery]

Originally Posted by Antitrust32

well whoever paid a mortality check on an alive horse should be fired.

That would not happen with my company, and it could be the reason we are the biggest in the world. We dont pay mortality on horses that are alive. We must see a necropsy. Euthanasia must been recommended by a Company Approved Vet, etc. We also dont offer LOU on race horses.

Seems like whoever paid this check are idiots or the check was written as mortality and wasnt paid as mortality. Also, why is Zayats check posted on a website?? that makes no sense and I dont think I'd believe it even if I saw it.. I just went to ky.com and it was for KY Jelly.

Ky Jelly---that is hilarious ...

The website I put up is wrong--I will get you the link so you can see ...

It also says " final payment " on it ...

You may not know me, but I am adverse to putting up shiat, and here you get drilled --and maybe rightly so--for posting what may not evcen be shiat--so I wasn't talking out of the wrong end ...

[Antitrust32]

Originally Posted by prudery

Ky Jelly---that is hilarious ...

The website I put up is wrong--I will get you the link so you can see ...

It also says " final payment " on it ...

You may not know me, but I am adverse to putting up shiat, and here you get drilled --and maybe rightly so--for posting what may not evcen be shiat--so I wasn't talking out of the wrong end ...

I found the check you dont have to post it and you are right it does say mortality. I really have no idea why the check is on a website though.

And you were not posting shiat.. If companies want to pay out mortality claims on horses that are alive.. more power to them!

[Theatrical]

Copy of insurance check:

http://media.kentucky.com/smedia/201...filiate.79.pdf

[prudery]

Originally Posted by Antitrust32

I found the check you dont have to post it and you are right it does say mortality. I really have no idea why the check is on a website though.

And you were not posting shiat.. If our competitors want to pay out mortality claims on horses that are alive.. more power to them! because they wont be in business very long!

The check is on that website because the reporter that started the ball rolling apparently continued to do so--it is pretty weird ...

BTW---I had a friend who lost a horse to colic and there was a mortality claim paid out on a deceased animal WITHOUT a necropsy---it may be rare but it does happen ...

[Antitrust32]

Originally Posted by prudery

The check is on that website because the reporter that started the ball rolling apparently continued to do so--it is pretty weird ...

BTW---I had a friend who lost a horse to colic and there was a mortality claim paid out on a deceased animal WITHOUT a necropsy---it may be rare but it does happen ...

check your PM box..

I just talked with my boss and I'll put a foot in my mouth and prudery is correct about the Thorn Song situation. I guess we've paid out wobbler claims under the mortality part and kept the horse alive.

She told me a hypothetical Barbaro situation where you could pay out a mortality claim on a live horse..

when Barbaro was too bad to survive his laminitis and euthenasia is recommended by the vet.. we would pay the mortality claim. but if someone involved in the situation then wanted to try to remove a bad leg and add a prostetic (sp?) leg to try to save the horse, the mortality claim would have still been paid but the horse would still be alive. Basically unconventional treatment after the horse was bad enough to be destroyed. I assume the reason I've never seen or heard of this are that most owners dont have an unlimited supply of money to put into saving their horses life above and beyond normal treatment.

I guess you learn something new every day! I've never seen a situation like that and the claims adjuster I asked also didnt think it was possible but my boss set me straight.

[prudery]

Originally Posted by Antitrust32

check your PM box..

I just talked with my boss and I'll put a foot in my mouth and prudery is correct about the Thorn Song situation. I guess we've paid out wobbler claims under the mortality part and kept the horse alive.

She told me a hypothetical Barbaro situation where you could pay out a mortality claim on a live horse..

when Barbaro was too bad to survive his laminitis and euthenasia is recommended by the vet.. we would pay the mortality claim. but if someone involved in the situation then wanted to try to remove a bad leg and add a prostetic (sp?) leg to try to save the horse, the mortality claim would have still been paid but the horse would still be alive. Basically unconventional treatment after the horse was bad enough to be destroyed. I assume the reason I've never seen or heard of this are that most owners dont have an unlimited supply of money to put into saving their horses life above and beyond normal treatment.

I guess you learn something new every day! I've never seen a situation like that and the claims adjuster I asked also didnt think it was possible but my boss set me straight.

Thanks for looking into this and reporting back ...

Weird things happen in weird situations and this was one ...

Recall a few other mortality claims paid off on live animals, but since I couldn't document but the colic one, I didn't ...

Am I qualified to teach Insurance 101 now--just joking ..