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1/2 Insurance payout

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Vesonir	Posted - 2009.07.29 22:17:00 - [1] I've been training this character for a while as a nefarious alter-ego for my carebear main. I decide that the perfect start to my life of crime would be a suicide gank. Thorax? Check. Highs full of blasters ? Check. Lows full of magstabs? Check. Passive Targeter? Check. Fully insured? Check. Unsuspecting Retriever? Check. Dead Retriever? Check. Concordokken? Check. Full insurance payment? Che..... The Insurance payout was half the quoted value. Is this normal, or a recent change?
Barakkus Caelestis Iudicium	Posted - 2009.07.29 22:18:00 - [2] They mentioned something about looking into Concord resultant insurance payouts...maybe this is it?
Alhambra Trellane Cloak and Daggers HUZZAH FEDERATION	Posted - 2009.07.29 22:23:00 - [3] Arooo? Anyone else can confirm?
Herty The Sexy Carebear Boredom Convention	Posted - 2009.07.29 22:33:00 - [4] stop shooting retrievers they have feelings too
Vesonir	Posted - 2009.07.29 22:35:00 - [5] Originally by: Herty stop shooting retrievers they have feelings too For about 10 seconds.
Nika Dekaia	Posted - 2009.07.29 22:38:00 - [6] CCP would not implement such a severe change in the insurance system without even ever talking about it.
Jandin Kobera	Posted - 2009.07.29 22:39:00 - [7] Edited by: Jandin Kobera on 29/07/2009 22:40:10 nvm
Vesonir Minmatar Special Commando Assault Militia	Posted - 2009.07.29 22:42:00 - [8] I have a 3,700,000 isk insurance payment sitting in my wallet journal which says otherwise.
Taram Caldar GK inc.	Posted - 2009.07.29 22:51:00 - [9] Edited by: Taram Caldar on 29/07/2009 22:51:44 If true... it's long overdue and only half what it should be. Concordoken shouldn't pay any insurance, imo. I have never understood the logic that the 'insurance agencies' pays people for being blown up by the 'cops'. Want a sig made? Contact me in game. Click my sig to see samples
Vesonir Minmatar Special Commando Assault Militia	Posted - 2009.07.29 22:55:00 - [10] Not complaining in the slightest. The change makes a lot of sense. I was just wondering why it had'nt been publicised.
Jack Coutu Gallente Canada Core	Posted - 2009.07.29 22:59:00 - [11] petition it then, it's a mistake. While I cannot wait for that change to be enforced, it has not yet been.
Kahega Amielden Minmatar Suddenly Ninjas	Posted - 2009.07.29 23:05:00 - [12] Originally by: Taram Caldar Edited by: Taram Caldar on 29/07/2009 22:51:44 If true... it's long overdue and only half what it should be. Concordoken shouldn't pay any insurance, imo. I have never understood the logic that the 'insurance agencies' pays people for being blown up by the 'cops'. Insurance is a game mechanic, not a business. CONCORD was already balanced by shortened response times. No more changes are needed.
Vesonir Minmatar Special Commando Assault Militia	Posted - 2009.07.29 23:10:00 - [13] Anyway, submitted a petition just to get some clarification. Will update with reply.
Nitemare111 Left Field Holding	Posted - 2009.07.29 23:20:00 - [14] Are you certain you got plat insurance? Half is the default, basic payout.
Vesonir Minmatar Special Commando Assault Militia	Posted - 2009.07.29 23:30:00 - [15] Originally by: Nitemare111 Are you certain you got plat insurance? Half is the default, basic payout. My bad. Ooops.
Lt Forge Pilots From Honour Aeternus.	Posted - 2009.07.29 23:52:00 - [16] Technicly, CONCORD has nothing to do with insurance. Try it in real life, hit a police car and crash your own car. Yes you are going to jail for a week(end) but do you get your insurance money? Hell yes! Unless you live in America, then you have to PAY insurance to THEM. _____________
De'Veldrin Minmatar Special Projects Executive	Posted - 2009.07.30 00:27:00 - [17] Originally by: Lt Forge Technicly, CONCORD has nothing to do with insurance. Try it in real life, hit a police car and crash your own car. Yes you are going to jail for a week(end) but do you get your insurance money? Hell yes! Unless you live in America, then you have to PAY insurance to THEM. Now try this. Hit a police car while fleeing the scene of a crime you just committed and see if you get an insurance payout for your car. My guess is no. Which is actually what this discussion is about - receiving insurance payouts for ships lost due to a criminal act (as defined by the game mechanics) by the pilot. --Vel Experience is what you get right after you need it.
Paul Clavet Suddenly Ninjas Tear Extraction And Reclamation Service	Posted - 2009.07.30 00:40:00 - [18] Originally by: Lt Forge Technicly, CONCORD has nothing to do with insurance. Try it in real life, hit a police car and crash your own car. Yes you are going to jail for a week(end) but do you get your insurance money? Hell yes! Unless you live in America, then you have to PAY insurance to THEM. Ha-ha! You're so right! America is full of fascist pig cops and the justice system will lock you up for any accident involving a police car, then make you pay for the damage and refuse you insurance! Except that none of that is true. ---- Suddenly Ninjas Blog: My Loot, Your Tears
Joethelions Caldari Knights of Construction Utopian Order	Posted - 2009.07.30 00:50:00 - [19] hi im a carebare and i no thay alredy did som stuf abot respones tiems but im trien 2 mien and ther r peepl ganken me ??!?!?! wtf??? i shold b abel 2 mien in peece rite? hi sec shold b saf froem al suicide gaenkrs so u shold remoev insurence payots imo mabe no loking peepl in hisec is a god opten 2 cas y wold u b in hisec if u wanted 2 pvp?????
Pater Peccavi Minmatar Tribal Liberation Force	Posted - 2009.07.30 01:01:00 - [20] Originally by: De'Veldrin Originally by: Lt Forge Technicly, CONCORD has nothing to do with insurance. Try it in real life, hit a police car and crash your own car. Yes you are going to jail for a week(end) but do you get your insurance money? Hell yes! Unless you live in America, then you have to PAY insurance to THEM. Now try this. Hit a police car while fleeing the scene of a crime you just committed and see if you get an insurance payout for your car. My guess is no. Which is actually what this discussion is about - receiving insurance payouts for ships lost due to a criminal act (as defined by the game mechanics) by the pilot. If you're paying for collision insurance, I'm pretty sure you would get paid for the damage to your car. Just expect your premium to go up. ______ Why has the number of players online dropped from 50k to 25k? BECAUSE OF SWINE FLU
De'Veldrin Minmatar Special Projects Executive	Posted - 2009.07.30 01:12:00 - [21] Originally by: Pater Peccavi Originally by: De'Veldrin Originally by: Lt Forge Technicly, CONCORD has nothing to do with insurance. Try it in real life, hit a police car and crash your own car. Yes you are going to jail for a week(end) but do you get your insurance money? Hell yes! Unless you live in America, then you have to PAY insurance to THEM. Now try this. Hit a police car while fleeing the scene of a crime you just committed and see if you get an insurance payout for your car. My guess is no. Which is actually what this discussion is about - receiving insurance payouts for ships lost due to a criminal act (as defined by the game mechanics) by the pilot. If you're paying for collision insurance, I'm pretty sure you would get paid for the damage to your car. Just expect your premium to go up. Read your policy more closely. I'm willing to bet that buried in that really long list of exceptions to coverage is a note about damage caused or suffered in the commission of a crime. --Vel Experience is what you get right after you need it.
De'Veldrin Minmatar Special Projects Executive	Posted - 2009.07.30 01:20:00 - [22] Edited by: De''Veldrin on 30/07/2009 01:24:17 I looked at my policy. Here are some exceptions that specifically cover this topic. My insurer will not pay out if: for deliberate loss or damage caused by anyone insured under this Policy; (one could argue that suicide ganking falls under this category, since it is deliberate, and you knew you'd lose the ship when you did it). any liability, loss, damage, cost or expense due to confiscation, impounding requisition or destruction by any government, public or local authority (i.e. CONCORD destroys it). Or the use of my vehicle in any of the following acts: * threat of and/ or actual endangerment of the life of a person(s); * threat of and/ or actual serious violence against person(s); * involving the threat of and/ or actual damage to any form of property; Edit: For clarification, I read a bit further. The three items listed directly above this are limited to deliberate acts - most of which would be considered crimes in just about every industrialized nation on the planet. --Vel Experience is what you get right after you need it.
Awesome Possum Insert Obscure Latin Name	Posted - 2009.07.30 01:26:00 - [23] Quote: In what circumstances of ship loss would an insurance company pay? 0.0 - never lo-sec - never ratting - never mining in a 0.8 or lower - never missioning - never pirating - never anti-pirating - never war-dec (either side) - never paying 40% above market value for a single 30% premium? - never "Insurance" in EvE has nothing to do with RL concepts of insurance. Just as RL concepts of law enforcement have nothing to do with a situation where immortal pilots who are allowed to fly battleships with nuclear weapon around "safe" areas. And where we can pay off the police to ignore huge battles directly outside public ports. You're trying to apply the rules and mores of 21st century western suburban civilization to a a game set in a hypertechnological far future with radically different cultures. ♥ Wreck Disposal Services
Lana Torrin Minmatar Republic Military Skool	Posted - 2009.07.30 01:32:00 - [24] Originally by: Vesonir The Insurance payout was half the quoted value. Is this normal, or a recent change? Because the forums are the correct place to ask? You did remember to change the default option from the lowest insurance to the highest one didn't you? You do realize its only the hull that gets paid out don't you? If yes to the above, petition it. No such change has been made. No such murmurings have been made on the sisi forums.. Take it up with the people that can do something about it and stop bothering us.. Also yes, I'm well aware that you are trolling..
Dian'h Might Minmatar Cash and Cargo Liberators Incorporated	Posted - 2009.07.30 01:33:00 - [25] Originally by: Awesome Possum Quote: In what circumstances of ship loss would an insurance company pay? 0.0 - never lo-sec - never ratting - never mining in a 0.8 or lower - never missioning - never pirating - never anti-pirating - never war-dec (either side) - never paying 40% above market value for a single 30% premium? - never "Insurance" in EvE has nothing to do with RL concepts of insurance. Just as RL concepts of law enforcement have nothing to do with a situation where immortal pilots who are allowed to fly battleships with nuclear weapon around "safe" areas. And where we can pay off the police to ignore huge battles directly outside public ports. You're trying to apply the rules and mores of 21st century western suburban civilization to a a game set in a hypertechnological far future with radically different cultures. tl;dr
Awesome Possum Insert Obscure Latin Name	Posted - 2009.07.30 01:50:00 - [26] Originally by: Dian'h Might tl;dr See Spot See Spot Run Run Spot Run ♥ Wreck Disposal Services
De'Veldrin Minmatar Special Projects Executive	Posted - 2009.07.30 02:26:00 - [27] Originally by: Awesome Possum Originally by: Dian'h Might tl;dr See Spot See Spot Run Run Spot Run C:\DOS C:\DOS run run DOS run --Vel Experience is what you get right after you need it.
Awesome Possum Insert Obscure Latin Name	Posted - 2009.07.30 02:45:00 - [28] Originally by: De'Veldrin C:\DOS C:\DOS run run DOS run old nerd jokes are the best joke ♥ Wreck Disposal Services
Dirk Magnum Royal Hiigaran Navy	Posted - 2009.07.30 04:12:00 - [29] Removal of insurance would have been a far better fix than buffing CONCORD response times and giving them permajamming ECM. Yet here we are. Insurance nerfs at this point would just be piling on.
Lexa Hellfury Incura	Posted - 2009.07.30 04:17:00 - [30] Originally by: Awesome Possum Quote: In what circumstances of ship loss would an insurance company pay? 0.0 - never lo-sec - never ratting - never mining in a 0.8 or lower - never missioning - never pirating - never anti-pirating - never war-dec (either side) - never paying 40% above market value for a single 30% premium? - never "Insurance" in EvE has nothing to do with RL concepts of insurance. Just as RL concepts of law enforcement have nothing to do with a situation where immortal pilots who are allowed to fly battleships with nuclear weapon around "safe" areas. And where we can pay off the police to ignore huge battles directly outside public ports. You're trying to apply the rules and mores of 21st century western suburban civilization to a a game set in a hypertechnological far future with radically different cultures. Originally by: RedSplat The Forum moderation Software known as Mitnal became self aware. CCP had no choice but to shut it down.

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