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JS

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Posts posted by JS

  1. 2 hours ago, NewWorldOrder said:

    No lol

    Frame store damaged the art right? Yes  So why wouldnt the frame's store insurance policy pay out?

    Why some of you are surprised at this is utterly weird to me.  

     

     

    man this got necro'd. You may have worked as an agent, but I have worked as an insurance attorney for 15 years :) you are wrong. A topic you may want to look up is subrogation. Even if host insurance isn't primary, they have an obligation to litigate on your behalf if you choose to put in a claim through their policy. CIS was wrong, but it wasn't worth the fight.

    As an update, I won the case vs the frame shop and received every penny I was owed, no thanks to CIS. Frame shop didn't carry a policy - they aren't required to by law - they chose to operate without insurance, so I sued the company and the owners.

    J

  2. Hi all - I hope everyone is doing ok all things considered :) I am starting to collect graded comics and my favorite book, WD is probably where I want to start. Before I go buying single issues, I figure I might as well ask if anyone is interested in selling (or trading) a 9.8 run? I made a post in the wtb section, but I figured I would also post here. I hope that is OK :) Feel free to message me. I have plenty of references. Thanks everyone and be well! <3

  3. 2 hours ago, Nexus said:

    Ugh. I remember you. I didn't miss you, and as far as I can tell, neither did the rest of the hobby. Have Magic collectors now also had enough of you constantly complaining about high prices, while at the same time trying to flip art for even more ridiculous prices, too? Can't imagine that hypocrisy plays well anywhere.

    I don't remember you, but it's been quite a while since I've posted here. If I had to guess, you are upset because I bought/sold/traded WD art and for whatever reason you are miffed about me making a few bucks off it? What you probably don't know is I still have most of my WD collection and that I've always been a stand up guy, never scammed anyone, never didn't pay or ship or anything like that. I am sorry you are upset and you may refuse to accept this, but you really have no reason to be. I am still very active in the Magic community, I represent a few artists, and I am an active buyer/seller/trader. Anyway, I don't hold any negative feelings toward you, even if you refresh my memory on who you are, because frankly I don't care enough. I am happy to be back collecting WD art and thanks for the warm welcome back :nyah:

  4. On 3/13/2018 at 4:15 PM, AnkurJ said:

    So sorry this happened! Has the frame company accepted any fault or offer to pay for what was damaged?

    They did not - they are blaming me saying I took the art back and am trying to run a scam! I've been framing with them for over 10 years. It's a shame.

    On 3/13/2018 at 4:33 PM, Mr.Mcknowitall said:

    Could you possibly post the voluntary surrender of items to a third party clause in your policy? Also, the accidental breakage clause, if you can.

    Any language that states it would not be covered in the framing shop itself would also be of help.

    The point being, the policy is read as a whole, not a pick and choose. 

    I'll post a copy of the denial letter. I'll scan it. It quotes the policy provisions.

    On 3/13/2018 at 5:40 PM, shadroch said:

    If this happened to me, I'd be raising hell about the framers. Outing him for any and all to see, calling the BBB and seeing if it were part of a larger company. I'd also contact their landlord. He has a vested interest in seeing his tenants are properly insured.

    At worst, filing a case in small claims court. 

    What excuse did they give that renders them blameless?

    They offered no excuse, and have shifted the blame to me. I've started a lawsuit.

    On 3/13/2018 at 6:41 PM, OrangeCrush said:

    My mother was the one who ultimately got me to go the rider route

    Interesting. I will call my homeowners about this.

    On 3/17/2018 at 12:27 PM, BlowUpTheMoon said:

    Can you post the video?

    I don't have it. A worker at the shop reviewed it. I will request it through court though.

    21 minutes ago, Alf Pogs said:

    Sorry to hear this. Commissions? Personal art? Silver Age covers?

    I am keeping the details private because the case is now in court.

     

    Thank you to everyone for all the thoughtful comments. This is an absolute mess and has made me reconsider even wanting to collect anymore. It is sucking the joy right out of it and I am really unhappy over all the additional work/stress this is all causing. That said, it's a necessary evil - insurance - so I will continue to look for a good, fair, honest policy so I can get the stuff I own covered. I'll keep people posted.

  5. 12 hours ago, comicwiz said:

    You assume you are going to get a TPG like CGC to admit they screwed-up. Businesses are amoral, and don't fess up or admit the truth if it means exposing them to liability. An insurer paying out the claim and going after the third-party is how it's ordinarily handled.

    Exactly this. CIS should cover this type of loss. It's expected when buying art that one will frame it.

     

    Further, it's expected when you buy a comprehensive policy that an insurer will protect you from likely and expected issues. Getting your art frame would be one IMHO.

  6. 8 minutes ago, makeminemarvel said:

    Sorry to hear about this, but their is no "spirit of the agreement" when it comes to contract law.  Only what is in black and white.

    That is wrong - comprehensive policies which is what this CIS policy is, would absolutely use the "spirit of the policy" to insure things. Almost no examples of coverage provided in coverage terms - rather, terms of a policy are interpreted through fair reading, via an adjuster (or an insured) - ie: spirit of a policy.

  7. 22 minutes ago, october said:

    I have. 

    A $500 slab I sold on eBay was destroyed in shipping. They asked for proof of damage, proof of the sale, and the signature confirmation on the shipment. I sent all three and they cut a check right away.  

    Shipping is covered, yeah, that is not an issue. That's spelled out.

    1 hour ago, shadroch said:

    Cgc has its own insurance, as should any party engaged in pressing your books.

    I wouldn't send books to a witness that didn't carry insurance.

    If I send books to a consignment site, I expect they have insurance and if they lose a book ,that they are responsible.

    Not seeing an issue, beyond unrealistic expectations. Read your policy and ask questions if you aren't clear.

    Get yourself an attorney and sue the people who screwed up.

    Unrealistic expectations? That's insane. CIS covers collectibles at hotels, at conventions and en-route, why would it not be covered at a frame shop. So I would have had coverage had I shipped the items there. Arguing that the frame shop should carry insurance is like saying the hotel or convention should have insurance. If the items were damaged en-route to the shop, they would have been covered. But once at the shop they aren't. That's not unrealistic expectations IMHO. That's more the spirit of the policy that it should be covered than anything else.

  8. 26 minutes ago, shadroch said:

    I'm not sure I agree with your assessment. Your issue is with the shop, it seems to me.

    Re-read my post. They would be primary, but the idea is that the frame shop is primary, sure - in the same sense that a comic-grading company would be primary if they lost/destroyed your comic. But wouldn't you want your insurance company to provide coverage if the frame shop or grader doesn't? In this case the frame shop has actually told me to take a hike, so my insurance should be there to protect. CIS is not doing that.

  9. I wanted to post a PSA about Collectibles Insurance Services (collectinsure.com) since I have previously endorsed their services and many people here use them. I am changing my position to reflect a recent loss that occurred.

    Long story short, my framer accidentally lost/destroyed about 10 pieces of mine when the manager went on vacation. There is video proof of the event occurring and we are taking steps to resolve the matter.

    I put a claim in with CIS which was ultimately was denied based on the provision of the policy related to voluntary surrender of items to a 3rd party.

    Many people including myself would assume that CIS would provide coverage related to framing, grading, or storing artwork.

    CIS provides coverage for some areas, like a hotel room (even if you aren't in it), or a convention center. They would cover art or cards en-route to a grading or framing shop, but not at the shop itself.

    For those that say, well shouldn't the frame shop provide coverage, yes you are absolutely correct - that is called primary coverage, and they should (and hopefully will) but ultimately CIS as my carrier should provide coverage to me, then go after the frame shop in what is known as a subrogation action. Any carrier worth their salt would do that for their insured. In fact, the entire reason for insurance is to protect an insured from these types of events.

    Anyway, as I said, since I have previously recommended CIS, I am now advising to steer clear as their coverage does not reflect the spirit of their written polices.

    I'll keep everyone posted, I am canceling my policy and likely switching to Chubb.

  10. ebay ID:

     

    redrosecomics

     

    melisschuc

     

    packers1181

     

    the middle one is his girlfriend.

     

     

    guy is named brian poppe - he finally paid after i basically called him out on the bs and called his cell phone every day for a week. long story short he bought it, didnt pay, canceled, 3x in a row.

  11. He paid. No word of apology or delay, just payment. Weird. I wrote a message thanking him and saying something along the lines of - hey next time, not just for me but for any seller, if you plan on waiting to pay for a few days, just drop a quick note saying so, its the right thing to do to not leave people questioning!

     

    I've found buyers love getting advice from sellers

     

    not sure if you are being snarky or trolling or whatever, but i absolutely think a message in this case is warranted. when you buy an item, and if you cant pay for 5 days, the right thing to do is to drop a quick note saying that you will be paying in a few days.

     

  12. That person paid for almost all of the Walking Dead OA I was selling with the exception of one piece. No communication at all on it.

     

     

    I'd be really careful here, who knows if you will get a charge back or something -- his message to me was that he got a loan and it was canceled and that he just got new money in and that he is really sorry. That was last week and still no payment.