i got scammed for $1,000,000

yes, it's very ironic.
coffeezilla.store

[@coffeezillaextras]

To all the industry experts who chimed in, thank you for all the insight! I’m looking into my options. One final thing I forgot to mention is now we’ve been trying to shop working defamation insurance, but because of this new “claim” we’ve made, our insurance premiums are quoted are 2x-3x as expensive with huge deductibles. So they REJECTED the claim and we’re still getting worse rates. 💀

[@sakshamgulati9942]

hey man hope it works out, good luck

[@ZxXxarGaming]

If I were a betting man, I would say that you will need to sell at least 35,714.2857 shirts to make up the amount you were suppose to receive. Would love to know when this is all over how many shirts you managed to sell and how close I was to that number...

[@jel1951]

Surely there are reputable insurance policies other big creators are using. Can't you ask around?

[@bigrabbit420]

Jeez, what a cluster

[@regbhyyu]

Stop whining and do a gofund me. We want to help! We don’t want merch. We wanna donate

[@ash65336]

Insurance lawyer here. Make a claim against your broker’s E&O policy. It’s their job to understand your business’s coverage needs and your coverage expectations and ensure that you either have that protection in place or are making an *informed* decision to purchase a policy without it. This is on the broker Love your work, sorry you’re in this situation

[@jilliancohen]

Agreed!

[@minecrafter3633]

Definitely the smart move. Considering his ongoing other matters, I hope he sees this and can/has the time to do so.

[@MrWorkinguy]

No wonder the broker was freaking out 😅 his insurance rates will go up as a result.

[@XArc7AngelX]

Engaging with this comment for visibility!

[@linkking46]

Definitely, that's why, he doesn't want Trouble fromm Coffeezilla

[@LocalManMakesMusic]

Now the insurance company themselves are gonna sue you for defamation. It’s the perfect crime.

[@Pr0toPoTaT0]

Holy crap that's like the ultimate triple cross or something

[@sneedfeed3179]

That made me chuckle lol

[@patrickgodin5778]

if you heard the insurance company name you weren't watching the same video as i did

[@YoungBlaze]

The iron y​@@Pr0toPoTaT0

[@experiment8230]

Not a problem, I'm insur-WAIT A SECOND

[@dynamicart-relaxinganddyna8713]

Insurance broker here. If the broker sold you a policy that excluded the specific coverage you were requesting from the broker, guess what? HIS E&O coverage kicks in to cover your loss up to the policy limits. If the broker's communication with the carrier mentions the coverage (defamation) and the UW that issued the policy didn't explicitly tell the broker that was excluded, the carrier's E&O may kick in. At the end of the day, you should be safe (up to the limits of your policy). If both push back, get the state DOI involved. That's one organization that doesn't mess around.

[@SuperKesler]

but would his loss only be the money he has paid out or would it include the cost of the lawsuit he needed covered

[@robf.6273]

I’m a commercial account manager and second this statement

[@robf.6273]

@@SuperKeslerdepends on that brokers E&O coverage, most insurance companies carry high limits with broad and comprehensive coverages

[@Li-rm2gj]

Why would you think anyone here knows what “E&O” is?

[@_Neytir]

@@Li-rm2gjI’m assuming Exclusion and Omission, considering how often it was mentioned in the video.

[@whowantstorunforpresident5531]

Coffezilla ran into the grandaddy of all scams: Insurance

[@jd-yo2is]

All insurance is a scam?

[@lordkensur9945]

@@jd-yo2is oh yes it is

[@sck7503]

@@jd-yo2isit feels like it

[@ChiTownBrownie89]

@@jd-yo2is for the most part yeah

[@GaldirEonai]

@@jd-yo2is The ones that aren't a scam are inevitably driven out of the market by the ones that are, so yes.

[@TheEngieTF2]

You know the scam gets serious when even the private investigator investigating it got scammed as well

[@LowTide941]

Is coffee considered a private investigator?

[@VernCarson]

@@LowTide941 yes

[@BRENDANTHERED]

​@@LowTide941 I doubt it, one has to be licensed to be a private investigator, as I understand, and if he was licensed, I'm sure he would have mentioned it in his videos.

[@TiredBytes02]

@TheEngieTF2 wait do I know you?

[@christoner2666]

@@LowTide941 no, in fact he was fired as one

[@ftejeda23]

I am an insurance broker for Medical for 12 years now, the underwriter when a policy is changed/altered with exclusions, this has to be provided up front in writing before a policy is agreed to by the client/policy owner and it has to be signed and dated in most cases. Yeah Coffee you would need to go after the insurance company through the Department of Insurance (DOI) and request a refund of all premiums paid to this policy. DOI Ethics sides with the client due to the broker and insurance agents being the professionals in this situation and need to be working in good faith for what the client is asking for in a policy.

[@austinsmith7731]

I hope he sees/knows this

[@PlasmaticPi]

This needs to be higher up.

[@cuckmasterflex9106]

Bump

[@bradleyroberts7918]

He says that he changed Insurer. Its not the new Insurers responsibility to compare the policy and ensure its "like for like" cover. That is solely the brokers responsibility. Given he had a claim for a C+D relating to Defemation before, the Broker should have known to ensure this is covered under the new policy. Ive been an Insurance Broker for 9 years but in Errors & Omissions and Media. I've insured comedians, newspapers and politicians for this very thing.

[@bradleyroberts7918]

But I agree, depending on the emails sent, etc - this should be a very straight forward win for Coffee.

[@pzeniewicz]

I sue insurance companies for a living. The broker and/or underwriter are/is definitely liable. They should probably contact their own E&O carrier(s). Good luck, Coffee!

[@ba8e]

Talk about a big dick energy career path xD

[@TheMadManofEurope]

Hope he knows this.

[@omoloburn2513]

Dawg

[@travisjamesbailey]

A superhero among mortals

[@urielgrey]

That's awesome to know for him and glad he saw it!!! Thank you for choosing your line and work!!!

[@smack80]

I know a lawyer who always says "All that insursnce buys you is the right to sue an insurance compamy"

[@MelroyvandenBerg]

Insurance* company*. You gonna sue me now?

[@Matthew_Raymond]

@@MelroyvandenBergThis is your insurance company. We regret to inform you that your defamation insurance policy does not cover any forms of defamation involving misspellings.

[@johndough1703]

Exactly. Most people don't know this, and also don't know that they have dozens of lawyers going against your small time lawyer (who will cave and screw you over 9 times / 10, and probably for a kickback)

[@christopheralix8554]

This is absolutely brilliant. Insurance is a scam

[@MelroyvandenBerg]

@@Matthew_Raymond aaaahh dammn! NOT AGAIN.

[@Xavinights]

As an insurance broker the fault is 100% the brokers fault.

[@iP0intNLaugh]

I agree. How hard would it have been to just check what was excluded Before sending it out to the customer? They didn't even have to read the entire policy line by line

[@matthewhurwitz635]

I'm an underwriter and yes the broker should know what is in the policy he's selling. The broker should have their own E and O insurance... So guess what. More insurance companies may be looped in soon lol

[@edward_lee]

then can't he sue the broker and get paid through the broker's own E&O insurance?

[@CelticSoccer06]

he signed it though.

[@GerhardTreibheit]

​@@edward_lee lol, this turns into "which insurance company is gonna pay for logan paul? Spin the wheel, and find out" 😂😂

[@budgetglados8761]

Its why I despise insurance companies, you often pay huge amounts of money for fuck all in return

[@Florida_as_Fuck]

I'd argue that this is more the fault of the broker/agent. They're the ones selling and binding a policy, you'd think they would familiarize themselves with the product they're selling. I see it happen all too often in property claims.

[@celtic69]

they’re such a scam, i have 10+ years no claims and they put my car insurance up from £450 to £720 for literally no reason, i can’t not pay it because that’s illegal. their only excuse was “car insurance has gone up across the board because there’s so many uninsured drivers these days” yeah no sh*t because it’s unaffordable.

[@user-ef5ug6jx5n]

I remember watching TV when I was a young lad. Far before I was ever anywhere close to coming into contact with insurance in any way. I can't remember what show it was, maybe the early Simpsons, but I remember insurance as being described as "betting against yourself" and ever since then I can't hear about it without thinking that's what it is. Or, another one to which I also forget the source: "insurance: The product so good that you get arrested for not purchasing it!"

[@TLFaun]

True ... even simple car insurances ... you often need to pay up partially to some extent for stupid repair.

[@javonyounger5107]

@@user-ef5ug6jx5n Betting against yourself but the house tries not to pay if you win.

[@SleepyFen]

Insurance companies spend millions of dollars in lawyers using every single applicable loophole to avoid paying people who rightfully believe their insurance should cover them. And they spend billions lobbying politicians to keep it that way. As an outsider looking in, it's sickening to watch.

[@june_senpai9846]

Stupidest shxt I haver ever seen. Pay to not pay someone. And get negative press from it. Pay + Pay^-1 + Negative press = Negative Press Thats just stupid

[@fenner1122]

💯

[@michaelsauer2000]

Insurance can deny claim but that doesn't remove duty to defend automatically.

[@OhSoTiredMan]

How are they allowed to change their insurance coverage without giving the people who pay for it an option to get refund if it doesn’t cover for what they payed for? I get that insurance covers various things but some people buy for the specific coverage they have, and for them to change it without telling people and giving them the option is scummy.

[@swizlestik]

It’s disgusting how insurance companies can do this.. it’s the same with medical insurance

[@fortpyjamas]

Y'know this is what I love about this dude. The honesty. It takes a certain degree of humility for a channel dedicated to outing scams to admit that they may have been scammed themselves. It's like if self-defense instructor having to admit they got mugged. I admire the humor and poise with which you're taking this. I'm sure you'll be able to make the money for it and I'll donate what little I can too. The work you do needs to keep on going!

[@dlicious96]

I hate Logan Paul so I was on this guy side but his video about him being sued and the way he states he has insurance and doesn’t want money sounded fishy to me, and now he claims he doesn’t have insurance and now wants money I want to see the receipts for the payments he claims to have made to this insurance.

[@Matkatamiba]

​@@dlicious96 lol

[@Nightingale_time]

​@@dlicious96He never said in a different video (than this one) that he had insurance and didn't need money, he's telling the events chronologically here. Previously, he thought he was covered but found out he's not. None of this is fishy. Insurance companies do this all the time, and Coffee isn't asking for money with nothing in return-he's selling shirts. He doesn't even mention here, I think, that he has a Patreon because he wants you to get something substantial for your money. This isn't even someone setting up a GoFundMe, he's selling merch which is totally normal for any creator. You don't have to get the shirts, but really none of this is suspicious.

[@leriava]

This is absurd. Insurance companies are such scammers sometimes.

[@CM-xr9oq]

Most of the time

[@VernCarson]

Sometimes?

[@Chalo122790]

@@CM-xr9oq always.

[@elishmuel1976]

Here in Canada, we have a 6 year backlog on cases involving insurance companies not paying. It's the biggest scam.

[@goomyman23]

every looked into life insurance for old people - its literally like act of God insurance only - it has like no chance to every pay off sold as "life insurance" - 90% scams. Its like the opposite of normal insurance that doesnt cover act of God.

[@PlaMan01]

I am SO ready for the "Coffeezilla Investigates Insurance Companies" arc

[@PolandDoge]

Yeah but it will get stopped by the "Coffeezilla dies in suspicious circumstances" arc

[@LautaroQ2812]

@@PolandDoge You are a newbie, clearly. What you meant to say was "Coffeezilla's sad passing, after committing suicide" and that is the headline you go to even if he's in a tub with his feet and hands tied up. (this is real btw, recent news from my country lol)

[@whosapickle]

lol he will definitely get sewer slided if he makes a stink about them

[@rican2nhd]

*investigates and destroys

[@castorchua]

I have no insurance at all on principal. No health, no car, no nothing. In Australia it's sometimes cheaper to get private health insurance than pay the medicare levy and most years it is for me too. I prefer to pay the higher tax.

[@thepalemoonlt]

Licensed Property and Casualty Broker here. Thie is 100% your brokers fault. Anytime there are new exclusions or coverage terms on a renewal policy, I go over the changes and make sure they understand and agree to the new terms. Your broker FOR SURE knew. You can likely make a claim against his Errors and Ommissions policy and get your claim covered. Even if he didn't know, he had a responsibility to know about this

[@mikeayala08]

Not 100% the broker faults. You as an individual need to read all paperwork and fine print before you sign anything. No one has your best interest in mind better than you

[@highbread817]

Can't verify but you sound helpful so ima thumbs up and comment

[@Dragonk116]

Yeah because most likely there was never anything like that in the actual policy, meaning they sold them a policy that was never going to cover them to begin with.... And not only that but they also sold it to a lot of other people too.... So it sounds like to me this broker is going to be in some deep 💩 with the DOJ.

[@urijahkaplan1855]

Yup, insurance person here. Broker messed up, start filing a claim against his E&O policy ASAP. You can also check the state filings (SERFF) of that policy to see how they got the exclusion approved...worth an investigation (Google "SERFF + State of the Policy" (e.g. "SERFF Texas") and it's free to review the filing with the regulators.) If it's an E&S policy instead (hopefully not), you can also check if they followed all the rules for issuing/soliciting that to a T. (If the broker was that sloppy, probably not). At minimum you can get them to pay for legal fees, most likely. The broker may be a nice person who feels bad, but they messed up, if they knew you specifically wanted that coverage and they didn't get that for you (and thought that they did, despite not checking). I'm sure his agency has $10,000,000+ E&O limits, don't feel bad about pursuing this. You should easily be able to get at least a quick E&O settlement that covers your legal expenses for say up to $250,000. Since you're confident of winning the underlying defamation claim, that may be enough. The broker's insurance then may sue the carrier to recoup that, since the underwriter didn't even know what they were issuing.

[@felsemheimer]

That was my first thought too. 50 Page contract isn't that much. When I hire a Broker to get me a certain type of injurance then they should at least make sure that the thing I want covered is covered.

[@ryanjohnson9325]

We had this happen to our 50yr family owned RV business. We had a good policy for years, had a massive claim from a tornado, got dropped, kept our agent, he found us a new company, we asked for the EXACT coverage, agent said I gotchu, had a shop fire 7yrs late, file a claim for around $800k in contents, Ins. Company said oh you dont have contents, 4yrs later, lost the court case, agent lied under oath and explicitly said he explained that we did not have that coverage and we agreed to it, this almost killed my parents as a result from the massive stress, we are still here luckily not anywhere near as good as we were. But still here...

[@boywonderbg]

im so sorry to hear this.

[@officialpingo]

the agent is going to hell for that and he knows it, it will weigh on his Conscious

[@Orcawhale1]

@@officialpingo No, his going to get away with it. There is no heaven or hell.

[@spiralsausage]

If only ​@@officialpingo

[@truthbetold1777]

​@@Orcawhale1 your monkey evolutionist logic.

[@JoshHenderson16]

Paying thousands of dollars for a product that ultimately does nothing is the insurance grift in a nutshell.

[@Swe19966]

A company tried to sell me "deposit protect insurance" recently on my new home. When I asked, "Isn't that what a deposit is for?" they were stumped

[@PickpocketJones]

Sounds like Home Warranty products. You pay them and they use any excuse no matter how absurd to refuse to ever pay out for anything.

[@Steveatetheicecream]

@@Swe19966 The only scammer is the coffee clickbait titles

[@YouTubeDweller8008]

Massive failure on everyone's end. This is the world we wanted where everyone just lies and abuses trust to get ahead, congrats M*rxists. Reward dishonesty and gaslighting; get dishonesty and gaslighting.

[@lyq232]

​@@Steveatetheicecreamsure, whatever you say

[@earlofnacho]

My wife got physically assaulted by a crazed customer at her job last year, 27 stitches to fix a gash in her head along with a slew of other injuries (worst of which are probably mental), and her boss’ insurance company fought her every step of the way to get treatment. She ended up having to sue them and couldn’t get any help with hospital bills or treatment for 8 months after the incident. Every time she’s had to talk to any of their representatives they spend the whole time gaslighting her and practically calling her a liar about the whole thing, WHICH IS ON CAMERA. In addition to that, the cops have done absolutely nothing to arrest the customer, who still comes into the restaurant now and then. They say they can’t find em, which is crazy considering I found where they live on my own within 15 minutes the day after it happened. It’s so absurdly depressing that this kind of stuff is legal. I’m convinced that insurance as a whole is one big scam. And with that said, I’d love to see Coffee take on the big dogs like insurance companies. Although, unfortunately, it probably wouldn’t go very far since they seem to be in bed with the government/politicians :( but yeah, I’m sorry this happened to ya Coffee. I’d share financial support if I could but we’re still suffering the consequences of that incident more than a year later. Sucks.. working 3 jobs, 7 days a week, and having nothing to show for it lol. Things will get better for us both though, of that I’m sure. My wife and I are getting there in baby steps. Best of luck my friend!

[@maybelater1464]

Work insurance is always the worst. My brother broke a rib at work once. A heavy box fell on him. The doctor his works insurance sent him to did such a poor job xraying him they couldn't even tell he broke a rib until he went to his own doctor. They insisted he do physical therapy for a "pulled muscle" and gaslit him about his painful breathing instead of actually figuring out why the pain was just getting worse. The physical therapist was HORRIFIED to realize she'd been trying to massage out a broken rib!!

[@ChaosKoopasPlays]

Insurance companies are all evil. I work in healthcare and it’s horrendous

[@Phonie.]

at least u know where they live 😁

[@KidKat__]

insurance is one big scam. they take your money and you hope you never need them because they're going to fight you, their customer, every step of the way. it's one big money grab that's bound to crash at some point.

[@samsaek666]

That’s why you get one of those criminal lawyers with INJURED? Ads

[@tamatoes6092]

My dad is the VP of an insurance brokerage in Canada. Growing up, he would tell me about being sued and going to court. What I learned is that you need to sue EVERYONE involved to get anything. Sue the broker, the brokerage, the underwriter, and the insurance company. They will start blaming each other and providing evidence against one another. Usually, (in my dad's stories) they end up settling and covering your legal fees. I suggest approaching a lawyer to get an idea of what's possible. I think the most fair outcome is a full refund of your payments, interest, something for your inconvenience and stress, and all your legal fees. Good luck!

[@BOnYTB]

Lmao this is hilariously true. Literally sue them all. Bruce Rivers is a defense attorney on YT, awesome channel btw. He won a monster civil case for a client, (biggest payout in his states history I believe?) he did it with another attorney as that’s not his speciality. But that’s basically what happened lol. They sued everyone, and they just all turned on each other…then also didn’t seem to realize the gravity of the situation. They all thought oh I’ll just have to maybe pay like 20% of this payout and maybe it’ll be like 5-10M, no big deal. They offered comically low settlements on multiple occasions and Bruce was just like wow they really have absolutely no clue what’s coming 😂. Again, highly recommend that channel. Dude is absolutely hilarious, really honest, has a billion stories, good message, still tries a ton of cases, etc.

[@elidjay]

I mean he already has a big lawsuit to fight. Fighting another one againts a whole inssurance company would cost him way too much money especially since it's not an easy win. He said it himself, he didn't read the fine print..

[@Lance_Lionroar]

"Just sue them all" So you think he has an infinite money glitch huh

[@gyrthez246]

@@Lance_Lionroar You're either in debt not fighting, or in debt after at least trying. If you lose you still lose everything, if you win you're a hell of a lot closer to being free of it.

[@boomperson818]

@@elidjay its not his jobs to read the fine print; thats what the brokers and underwriters and the chain failed him. Its like buying a car and being told it is in perfect state by the salesaman to find out its engine is missing. He misinformed you and is liable for his actions

[@Djaj2000]

Insurance companies are the scum of the earth, they should hsve never ever been deregulated. Things like car, home, and health insurance should be TIGHTLY regulated.

[@ridhamh2966]

AMERICA F YEAH 🦅🦅🦅🦅

[@Counter-Argument]

I don't know what State you live in, but the Insurance Industry is one of the most heavily regulated in the country. In California you cannot raise rates without regulatory approval who require extensive amounts of actuarial data regarding the frequency and severity of losses in each geographic area affected by the change. Insurers also need approval to change policy language, must notify each customer of that change in the language with their renewal before it can take effect. It cannot exclude any driver who meets the state definition of a good driver and are forced to participate in assigned risk programs to insure people who would otherwise not be insurable (multiple DUIs), and the list goes on from there. What other industry cannot set their own rules regarding the goods or service they wish to provide, or charge a price the Insurance Commissioner feels is too high OR TOO LOW? Each insurer must maintain a reserve equal to 300% of the expected losses. During covid, as prices for vehicles and parts skyrocketed the Insurnace Commissioner approved NO rate increases for TWO YEARS which caused many carriers to abandon the State or risk bankruptcy. This wasn't a problem at the beginning when noone was driving and insurers provided credits (some voluntarily and some mandated), but once folks started going back to work it all went downhill. Many insurance companies don't even make a profit from the premium collected from the customer which is typically used to pay the claims of other customers and third parties they harm. To make money most rely on using the premiums they collect and invest those funds until they have to pay for future losses. And guess what they can't choose any investment they want, they are forced to only invest in lower-risk short-term investments because the funds must be able to be quickly converted in the event they must pay a surge in claims unexpectedly, so they are typically required to invest in Bonds vs Stocks. So, maybe your comment is about a State that deregulated parts of the industry but as a whole the industry is a the mercy of the regulators.....which is a good thing because there some bad actors out there.....But there are a lot of honest insurance companies as well.

[@yahyaj4845]

They are tightly regulated though?

[@wachtwoord5796]

​@@yahyaj4845they are, he's an idiot that drank the socialists cool-aid. Remember: it's always the socialists fault.

[@GaldirEonai]

@@yahyaj4845 Not even remotely close to what's needed. As long as insurance companies can continue to operate on their current business model, regulation is wildly insufficient.

[@NeuroScientician]

Luis Rossman got scammed like that, he had an insurance against power outage. Did not get a pay out because it did not covered water damage. There was no water damage in his place, there was water damage somewhere in the power plant therefore he got nothing.

[@internetmovieguy]

i remember that. I believe that insurance agency closed.

[@hafirenggayuda]

Oh, that's just scammy

[@CuriousMisterG]

That's some bullshit because he's not insuring the damn electric company. He's insuring his property/business. Wtf

[@gerald216]

​@@CuriousMisterG The whole "act of god" clause in most insurance underwriting is also really fucked. It's a sneaky way for them to sell other highly "specialized" insurance that also doesn't always cover you

[@sciencoking]

@@internetmovieguy they went bankrupt without paying out to their clients? Really makes you think

[@informitas0117]

I'd love to be an incompetent brooker, just sit there, point to random deals I know nothing about, say "buy that idk", and get paid. What a dream existence.

[@surindersingh724]

Until your client tries to claim on the policy that is.

[@EN-re4ju]

Well, Coffee can claim against the brokers professional indemnity as the insurance he/she sold to him was incorrect.

[@DrekiTech]

I sure hope that broker has E&O insurance lol

[@JanaBuvari]

i had a broker do this to me and they sold me insurance not relevant to me - cancelling my previous insurance which they had approval to do... let's just say I ended up in legal proceedings that saved my backside BIG TIME...

[@ADUDENAMEDJOE]

Bruh this was my last job and it was awful haha

[@tricqui]

I'm an insurance biller. This happens with health insurance policies all the time. It's truly awful to witness. Patients are sold an insurance policy saying x,y,z is covered, heck sometimes it even shows up in the benefit booklet as a covered benefit. Then, when they actually need that service, insurance will come back with some stupid technicality on why they can't cover this service. For example: diagnosis code isn't covered, the symptoms are not severe enough to be covered, it's only covered if you use this special provider that's 5 hours away. You nailed it when you said the point is not to pay. That's exactly the game. It is just diabolical that they are literally playing with people's lives.

[@Number1Irishlad]

I'm curious, do you happen to know if this is how insurance works strictly in the US, or does this happen worldwide too?

[@Zenyet]

@@Number1IrishladThey are private companies all around the world, so they need to make money. It happens everywhere around the world. But i would still argue it is definitely worse in US

[@aender13]

My previous health insurance has started listing drugs as covered then not actually offering a discount on the "covered" drugs. Almost made my pharmacist skip checking goodrx

[@Thundawich]

Sure it sucks, but unfortunately there aren't any good alternatives at this point. If insurance companies actually paid out as much as people think they should, then cost would skyrocket and people wouldn't be able to afford it anyway.

[@aender13]

@@Thundawich that would be sympathetic if the companies weren't bending the truth to make themselves seem like they cover the thing in question

[@hydraofvaliance2691]

At times, insurance already feels like a scam but this just takes it to a whole new level.

[@gabrielpetersen8528]

Every KZbinr reading their insurance contracts rn.

[@akuhappy3246]

That is one good side

[@jauwn]

for real 😅 luckily mine specifically says defamation is covered under "wrongful acts"

[@TranscribeYT]

@@jauwn A loss of jauwn videos (due to risk of defamation) would've been a shame!

[@speed0spank]

​@@jauwnhey it's this guy

[@josephdelaney1598]

if they had a brain they would lol

[@420RittzBish]

It's the brokers fault. You asked them to supply you with a product and they committed fraud. Edit: For all those pointing out that fraud requires intent, thank you, you are correct.

[@rebeccaspratling2865]

Bingo!

[@kyoai]

Correct. However, I wouldn't call it fraud, because that'd require ill intent from the brokers side. I'd rather say it's incompetence, neglect and/or miscommunication.

[@SHDW-nf2ki]

And they can't be sued for it the law exists to protect the rich, big business and nothing else

[@LetsPlayAceCraft]

@@kyoai If he said "This policy covers what you asked me to cover" and it doesnt. That is Fraud. Who cares if he knows. Its like if I sold you a can of soda saying it will cure your cancer. It might, idk.

[@jilbertb]

Now, the broker being at fault, WOULD be covered by the E&O policy! 😂

[@bobbygetsbanned6049]

COFFEE!!! Guess who else has E&O insurance? Your insurance broker!! If you expected to buy coverage for defamation and he sold you a policy that doesn't cover it, that's his error, and his ERRORS AND OMMISSIONS insurance should cover you! And if for some reason he doesn't have it, you can sue him, because he's still liable, it's his job to make sure you're covered.

[@ChrisWijtmans]

exactly, he paid the insurance broker to deliver what was asked, he is responsible.

[@EverythingSanti]

@@bobbygetsbanned6049 he’s also supposed to read his policy though

[@RdTrpBrgr]

@@ChrisWijtmans * paid

[@Sara-ri7qi]

i cannot highlight this comment enough. this is 100% on the broker. how can the broker NOT know?? i am in the insurance industry and this is beyond mind blowing.

[@stephendunlap8833]

Stephen: what Bobby is saying is spot on. (I worked in insurance for 10+ years both on the corporate and Agency side). You have a valid case against the insurance agent/broker, and while you may not "want" to file a lawsuit, it is probably your logical next step. And the results will be... you'll find a new broker, and his rates for his E&O will go up.... beats selling t-shirts

[@jlalvarado024]

Sue broker and insurance And let them convince the judge who's liable.

[@paolosavino22]

Insurances are like legalized scams. You pay them to assist you when you need them and when you need them they flee

[@WlatPziupp]

Even if they do show up when you need it you'll pay them higher rates for ages until you've far more than covered the initial expense, then eventually they give you the privilege of paying less high rates until you need them again

[@matthewyabsley]

Not most of them. They honour the terms of the agreement. The majority of insurance complaints tend to stem from the mis-sell of the insurance to begin with, often brokers will seek out lower cost insurances with cover missing to be able to present a better deal to their prospective clients. The other problem is no matter what you agree with a customer; the customer has a tendency to simply invent what their cover should or shouldn’t be.i personally had the pleasure of overhearing an angry woman who wanted her roof repaired on her home because she bought “insurance”. The insurance she bought was car insurance, once, several years before……

[@lastsong7159]

​@@matthewyabsley insurance is great when it works. Nightmare when it doesnt. A lot of insurance needs a major federal level reform, but most of them will honor their agreeements.

[@mainsera4407]

Even worse, more like legally ENFORCED scams in the case of things like car insurance.

[@castorchua]

Just don't buy it

[@grahamlord86]

I own a computer repair shop. About 12-13 years ago my shop was broken into and customer laptops in for repair all stolen. My insurance didn't cover me because they'd excluded Goods Left In Trust - legal speak for the Customer Laptops, stuff that was in the shop, but didn't belong to me. Same deal as you, I was like 'what the hell am I paying you for then? I told you, this is a repair shop, I have customer devices stored here and I need to be insured in case I break them, loose them, get robbed, etc...' I recovered from that incident, but yea, I feel your pain. This is 100% the broker's fault 'we don't read every line of the policy' - you fool that is exactly what you're paid to do. You sold me a policy not fit for purpose. If I'm expected to read every line of the policy then I might as well go directly to the underwriter and cut you out of the picture.

[@chrismanning5232]

The broker is going to be the one who ends up paying when this all shakes out. They were retained to acquire a policy for a specific purpose, they stated in good faith that they were going to do that, and then they sold their client on a policy that did not meet that purpose. It seems pretty cut and dry, although I agree with the other commenters saying to sue them all up and down the chain. They'll do the hard work of creating the legal arguments against one another and it'll end up settling.

[@verballyabusiveclown6290]

Crazy

[@Nyxeline]

maybe coffeezilla should sue the broker for costing him a lot of money. . . but.. i feel bad for how much of a rut he's in right now.

[@samkadel8185]

It's not even a reading every line of the policy thing, too. It's a Ctrl f defamation thing.

[@Sup3rB4dVideos]

What, no it's your fault. Absolutely your responsibility to read and understand the contact, not the person selling it. But also sorry that happened to you.

[@wildcat1227]

I'm not blaming Coffee for this, but if there's one thing I've learned from being disabled, its to read what insurance doesn't cover a lot more thoroughly than what they do cover. That's where they put the good stuff if you don't have the capacity to read the entire document. Take it to the DOI. Just because they put it in the contract doesn't mean its enforceable.

[@EkiToji]

Just imagine all of the music tours and other live events that probably didn't pay the extra tiny little bit of money to have disease epidemics covered by their insurance. Now it probably costs a decent amount for that but it didn't before the whole pandemic thing.

[@froogality]

Ngl even if they can sue it's definitely dumb on Coffee's (or his team rather) part. Like cmon man you guys should be masters of reading the fine print and know that you can't trust a middle man like a broker like that.

[@discreet6951]

As a producer appointed with over 30 carriers… it’s 100% coffees fault. The common person shouldn’t be expected to understand insurance like that of an UWer/agent/brokerage but in the same breath they’ve got all the cyoa’s in place to resolve them of fault. A good example I’ve seen too many countless times is when people come to me from a farmers/liberty mutual/all state and I review their past policy dec pages and point out things they had no idea weren’t covered all because they told the agent “find me the best price” and come to find out WE can always find you the best price, but what are you willing to sacrifice coverage wise to get it? Having a properly informed agent is more important than the brand name you signed with

[@martinrafferty]

This is a bad take, this is scummy behavior from the insurance company. His broker was supposed to advise him as an insurance expert. And don’t forget what’s happening here, he’s being sued trying his best to protect other victims.

[@wildcat1227]

@@andrewstanley8945 Department of Insurance. It might be called something else in your state. The Fed version is the Federal Insurance Office but they usually like it if you already have a state case number.

[@scottl361]

Insurance is always a scam. They always try to get out of paying.

[@yahyaj4845]

Except that billions and billions get paid out in insurance claims every year.

[@Jabarri74]

@@yahyaj4845 They take in far more billions and billions than they pay out. They will try every trick in the book to not even pay a single dime

[@rayafk8502]

⁠@@yahyaj4845billions of the *trillions* that insurance companies take in yearly.

[@blackscreen1810]

@@yahyaj4845trillions more go right into their pockets for doing nothing. A payment that never ends for a service that likely will never happen.

[@soysaucegirl2007]

This may be cold comfort Coffee, but by doing this video on your predicament, you probably have thousands of people double checking their insurance. This may turn out to be one of the most useful videos you have ever made. Please keep us updated - it may save your viewers thousands of dollars and mental anguish, now and in the future.

[@paulabawi8561]

Im a commercial insurance agent - deal with E&O policies all the time. From the sounds of it 90% or more of the fault is on your broker. It's his job to ensure that you're covered where you say you need to be covered, and we 100% check every exclusion list in every policy for at least NOTEABLE exclusions... Defamation exclusion in an E&O policy for a media company is very notable. If the carrier didn't have the exclusion listed on any of the quotes they sent to your broker then put it on the policy, it would be their fault. But if they put the exclusion on the quote and your broker did nothing about it for 3 years, it is definitely on them.

[@byrnemeister2008]

Yeah sounds like gross incompetence on behalf of the broker. His job being to provide the policy to meet customer requirements. Nice fat commission for not reading the correspondence or the policy.

[@byrnemeister2008]

Yeah sounds like gross incompetence on behalf of the broker. His job being to provide the policy to meet customer requirements. Nice fat commission for not reading the correspondence or the policy.

[@bosshog8844]

What is the point of a broker here? I don't understand why a middle man exists. To take the blame when things go sideways?

[@That0neZombie]

@@bosshog8844 the middle man exists because most people are too ignorant to understand 90% of a policy or they are too lazy to learn it themselves.

[@georgecase5908]

@@bosshog8844 pretty much all commercial insurance requires a broker. It's the broker's job to represent the interests of the client.

[@wlockuz4467]

I swear insurance companies could make cryptozoo look like a school prank.

[@Tony-li5kt]

FIRE sector is a scam. The reason US "healthcare" costs more than twice other rich countries' does while providing inferior service is largely due to the insurance sector.

[@SagittarA]

yah no. cryptozoo scammed for WAY more then that.

[@wlockuz4467]

@@SagittarA brother cryptozoo would be drop in a bucket compared to insurance.

[@Tony-li5kt]

@@SagittarA Insurance companies are one of the main reasons US healthcare system is the most expensive and the worst in the developed world. FIRE sector scams are in the trillions of dollars.

[@nit3_bloom945]

@@SagittarAlol u know nothing

[@jacobwonder6735]

I can imagine Logan laughing at this, and it makes me dislike him even more.

[@artbuy6027]

I still remember the restaurant owner getting his PANDEMIC insurance claim denied during Covid. Ever since then I knew insurance is a complete sham

[@oscarziyo]

Link or name to Google that case?

[@bulls-nation5783]

You expect an insurance company to cover business income loss during a pandemic? What kind of bag do you think they have lol.

@bulls-nation5783 That’s what it’s supposed to cover dingus

[@frosty_teacup]

​@@bulls-nation5783 Well I would hope that a literal 'pandemic business interruption insurance' policy would cover... well, business interruptions due to a pandemic? But maybe that's just me 🤔

[@bulls-nation5783]

@@frosty_teacup there is no pandemic policy guy. A normal commercial policy covers certain events and has exclusions. Pandemics exclusions are on all policies due to factors mentioned in my first comment. Insurance companies are a business. They do not write for risky business.

[@IkLms11]

We about to see a 12 part series of Coffeezilla exposing the insurance industry in about a year's time

[@sesqwe1693]

Lowkey would be amazing to see, but honestly that'd be the most dangerous venture he would go for ever on this channel were he to commit to it, Insurance companies are terrible and scummy, but Powerful and they are no strangers to Legal battles, plus you never know who's behind them, I wouldn't put it beyond possibility for him to get hunted down were he to try and uncover crimes committed by big insurance companies

[@treelight1707]

Now that's a series that I would really like to watch.

[@RokeJulianLockhart.s13ouq]

All the more reason. Though, I doubt he could stop himself if he found something juicy, ​@@sesqwe1693

[@derigel7662]

not much to "expose" everyone knows insurance is a scam.....we just keep voting people in that perpetuate it

[@SaintzCS]

@@sesqwe1693 mans just larping in youtube comments

[@maningreen15]

The broker? Logan Paul with a fake mustache. The underwriter? Jake Paul with a fake mustache. The insurance company? Owned by both.

[@FlorianWendelborn]

The name? Is the primeagen.

[@Eryna_]

@@FlorianWendelborn lmao

[@rawmaw]

All the lawyers? The entire Paul family with those fake glasses with a fake plastic nose and mustache attached.

[@0xluffy]

That's makes perfect sense lol

[@LiveFreeOrDie2A]

“You’re gonna want the Prime Policy”

[@GanzotheSecond]

Insurance companies when you ask them to insure the ONE SPECIFIC thing you've been paying them large amounts of money for: 😡🤬😡

[@GanzotheSecond]

capitalism sucks

[@mattb9343]

As a business owner I knew once said: "Insurance doesn't give you a right to claims, it gives you the right to sue the insurance company." Sue the insurance company, and counter sue Logan.

[@joelsommers]

...and figure out how many shirt sales are required to pay for it?

[@ChrisWijtmans]

counter sueing logan in an anti-SLAPP state might work.

[@Ucfahmad]

@@ChrisWijtmanscan’t do that. You must respond in the state in which the lawsuit was filed.

[@Dragonk116]

Sueing the insurance company might be pointless if they never have defamation listed on their policy to begin with, it's more sense to sue the insurance broker for selling you a policy that didn't apply to you as they failed to do their job properly when you already paid them.

[@truevanpencil5403]

You sue the broker, as a last resort, cos with litigation only lawyers win. In a case like this anyway. No lawyer will tell him to sue the insurer, if that I’m sure, and I’m no lawyer!

[@Hebdomad7]

Dealing with insurance is like dealing with a casino. If you lose a lot, you'll be a 'valued customer', If you win they'll eject you pretty quickly...

[@apoclypsPUBG]

Bad comparison. It’s when you’re going to lose or have already lost (car accident) etc and need to claim from insurance , that’s when they need to pay up and they don’t want you anymore. When things are going good and smooth for years with no insurance claims , that’s when you are the number one customer

[@grizzlywhisker]

@@apoclypsPUBG I think the definition of lose/win were sort of reversed in his example. Maybe he meant winning/losing at being insured lol.

[@ba8e]

@@grizzlywhisker Understanding this would require a brain... You are asking for too much.

[@gr0wnup5]

Insurance companies when it comes to insuring the customer : 🤷🏻‍♂️🤷🏻‍♂️🤷🏻‍♂️

[@frigidofdoom7191]

"We're supposed to help people" "We're supposed to help OUR peoople, staring with our stockholders Bob! Who's going to help them out huh?!?" -Mr.Huff, the Incredibles

[@kaiparker1756]

The insurance company isn’t at fault here.

[@Mamsaturatdevoi]

@@kaiparker1756 Even if it's the brokers responsibility to know everything a policy covers, the insurance company itself is definitely dirty as hell to hide the most important exclusion possible like that. Those 2 exclusions should be front and center on the policy and highlighted every single time. And there's a very good reason why they weren't.

[@YouTubeDweller8008]

Massive failure on everyone's end. This is the world we wanted where everyone just lies and abuses trust to get ahead, congrats M*rxists. Reward dishonesty and gaslighting; get dishonesty and gaslighting.

[@lessthanthreemetal]

​@@frigidofdoom7191A company...is like an enormous cock.

[@valedeloro]

as someone in insurance, if you asked for something, and there is proof that you asked and it was not met, you got a claim on your hands. good luck coffee 🙏🏽

[@Grasher134]

That pain in the eyes when he says - I gotta sell shirts now..

[@th4tw3irdg1rl]

Not really an example of me getting scammed in the fine print, because I found it before I paid anything: got a new dog, get pet insurance. A common issue with the breed of dog I got is hip dysplasia. When signing up for pet insurance, I'm on the phone with the insurance company, double checking that everything is covered, very much including hip dysplasia. Insurance lady is assuring me everything is covered under the standard pet insurance, I don't need the additional wellness rider. But I read through, and the policy explicitly excludes problems related to, stemming from, and including hip dysplasia. I ask and she shrugs it off, "oh, we'd accept your claim even if it was hip dysplasia." What? no, the policy says you won't accept that claim. How do I make sure this is covered? "Get the wellness rider for an additional $30/month, it includes everything that isn't covered under the standard policy" I got the more expensive insurance, but why would the insurance lady tell me something was covered if it wasn't??? Read your policy documents before paying for anything. When they send you an updated policy, read the changes. Re-read the policy, make sure it still covers you. Insurance is a scam if you don't stay on top of it.

[@commiecomrade2644]

Oh yes they will lie to you all day long! Had one do that to me. Tried to tell me I had full coverage auto insurance and that X was the price. X price was suspiciously low. So I asked questions. Agent was lying. It was liability with nothing else. Just state minimums for medical and NO uninsured underinsured coverage. I had asked about the amounts for both.

[@KLondike5]

She lied to you because all she cared about was the commission. It's somebody else's problem after that.

[@Dark0beast]

Dental insurance companies will do that too. Some of them have clauses saying that if you had a tooth extracted before you had that policy, they won't cover anything like an implant or denture even if your policy includes coverage for those things. It's absolutely scummy.

[@xxdesertstorm]

this is how Insures play ball, tbh this hasn't been a new thing, look at car insures they'll fight tooth and nail to pay you even if its not your fault, got to thank the GOP for this but MAGA MAGGOTs can't see past Trumps BS

[@kavinh10]

insurance sellers have a quota and are paid to bullshit you and pass the issue onto the next person who receives your call. I worked customer support for a certain appliance company not insurance so we had no quotas but you would not imagine the amount of incompetent bullshit agents would do then tell the client oh just call back in 2 weeks it'll be fine. Then they call back and we have to tell them yeah sorry the previous agent is a moron who literally broke every rule and probably won't even have anything happen because they've probably already quit. I've been fucked over by bank associates who flatout lie and don't send in the proper information as long as they can get you to open an account for their quota.

[@TheAdrenaline85]

Texas insurance agent here. The broker needs to explain the policy upon the delivery but it’s actually a very fine line here that gets kinda blurred sometimes. They have to by law explain exclusions upon delivery. But you signed with false pretense. Sounds like you should be getting a refund or lawsuit on your hands.

[@dunar1005]

Refund 20k Still needs 300.000k against logan 🤷‍♂️

[@xxxxxxxxx1852]

@@dunar1005 20k better than whatever is in his pocket bruh

[@Jimmy___]

@@xxxxxxxxx1852 True but that is not how this works. Coffee has suffered damages because he was sold a policy that he was led to believe would cover this specific scenario. The broker now needs to cover this scenario, and potentially future costs if he can prove this event prejudices his ability to get insurance going forward.

[@HexenFrau]

So on top of dealing with his lawsuit with Logan Paul, he now has to deal with filing yet Another lawsuit just to get what he was promised from the get go? I have had to file lawsuits before, and doing more than one at a time is incredibly stressful and expensive! Why is it his problem?

[@KuroroSama42]

Don't know any law, but it should definitely be more than just a refund. Zilla is down more many than just what he paid them because of this - specifically, the lawyer fees he's having to foot himself. Basically, any reasonable person (which hopefully includes the judge who'd have the final say) would factor that into what he's owed.

[@Darksiyo]

Insurance sales is heavily ethically bound. They're BOTH liable for pretty hefty fines over this.

[@CtrlAltDefeat16]

My father who almost died in a car accident, just finished a lawsuit on this same issue. He got insurance specifically to cover him while he's doing ride share. Got $750k in hospital bills but glad he's alive and has insurance. They denied the claim even though it was 1000% the reason why he had it in the first place. 1 year later, they told him BECAUSE it was in the fine print on page 64 while he was adding it, OVER THE PHONE, that ride share is not covered, he's not only pretty much paralyzed but in debt 100s of thousands of dollars. I hate insurance companies that work this way because 100% he was sold the insurance because the rep on the phone gets a bonus for every person he signs on. Policy was Progressive by the way. I hope your situation gets resolved because regardless how mad or how much this affects you, this is an incredibly sickening and parasitic process that can ruin lives.

[@rig85]

“Jamie….finish him…” -Flo, from Progressive

[@AyaxRo]

That's rough, hope he gets better.

[@rig85]

@@AyaxRo Agreed. Hope they pay!

[@CtrlAltDefeat16]

@@AyaxRo I do too he's a tough guy, survived 2 heart attacks up until now (hereditary unfortunately) and the accident which is wild, but even you feel the same way about your loved ones that are tough, please cherish them every day you have them :)

[@ivandankob7112]

Hospitals do inflate the prices when they think the patient is insured, though. They will probably cut the costs by 70% when they find out the patient had to pay up himself

[@thetruth3068]

Insurance company when they have to pay for the thing I paid for: 🤯🤯🤯😡😡😡

[@freetory]

The thing which is basically nothing that we pay thousands for like an investment which they can then use that money to make profit on. There only job is making sure to have it when we need coverage. Smh stupid companies

[@kyoai]

Pay attention to the video. He signed a contract that did not cover defamation lawsuits, therefore the insurance does not have to pay him.

[@freetory]

@@kyoai you pay attention, he was under full impression it covered defamation but they removed it from their service

[@FaticusDolphinius]

@@freetorythey didn’t remove it from their service, his broker went to a new company that didn’t cover it and the broker seems to have not read the contract correctly.

[@warpfrenzy]

When I was 7-8 years old our house burned down. No one was home. Fire marshal comes in and finds it’s an electrical fire. Insurance company sent in their own person to investigate. They didn’t take the word of the fire marshal. They looked for any reason they could pin the blame on us so they didn’t have to pay. That didn’t work and eventually we were paid but it took a while. Other fun fact. My parents claimed the loss on the taxes. IRS came back and said “you need to show the loss over 3 years”. So my parents had to amend the prior 2 years. They were annoyed until the refund check from the IRS also came with interest on the refund.

[@falcon1378]

Good for your parents. How soon were you guys able to move into another house after that, especially with the insurance acting like todlers?

[@namAehT]

Similar thing with my parents. Electrical fire, insurance refused to pay out, then they said that they'll only pay half because that's what the house was worth (say, 60k even though my parents paid premiums on a 120k policy). A letter to her state rep and the AGs office later, the insurance was _happy_ to pay them what the house was worth. Then they nickle and dimmed them on the replacement cost of the contents of the house for 2 years. "Did you _really_ have to replace this stove? Did you _really_ have to replace all of your clothes?" Fuckers.

[@stephenoliveau]

My aunt and uncle had a similar thing happen when their house burned down... they ended up winning treble damages. They did have to get an arson investigation expert to testify that the nature of the fire would have required an expert arsonist to pull off... but i understand why the insurance company was suspicious, their restaurant had burned down a few years earlier. 🤷‍♂️

[@warpfrenzy]

@@falcon1378 We moved into a hotel for the summer then moved into a rental house for the next school year. The house was rebuilt by the end of the next summer.

[@warpfrenzy]

@@namAehT Yup. That is there job. To find a way to deny a claim.

[@BeastGamingHD]

Sounds like the typical insurance scam where they charge you but have a list to void insurance claims for everything that you'd likely be liable for. You could sue them for failure to clearly outline and notify you of what you're not being insured for as they continued to take your money for several years while knowing the type of business you operate and that they have zero intention to financially assist you for any claim you'd file.

[@YeeHeee]

A plot twist no one saw coming.

[@wartygourd]

not even M. Night Shamalan can make this shit up

[@christoner2666]

many saw it coming. insurance isnt going to blindly cover someone they know cant win

[@cstrife420]

​@@christoner2666"they know cant win" buddy pauls lawsuit is bogus and will be thrown out alot quicker than people think lmfao. No defamation was ever happening, cant win a lawsuit with shit that doesnt exist.

[@Florida_as_Fuck]

@@christoner2666 they would if his agent/broker actually did their job and found him a policy offering the coverages that he needed. He legit spoke of his previous policy covering the C&D and the ensuing legal action.

[@chuckdude514]

Not really. Insurance companies make huge profits for a reason. Their business is scaring people into giving them free money.

[@benpregent]

As an EO underwriter that does Media EO and an Ex-broker this is beyond stupid. Sue your broker ASAP its 100% his fault in this case. When I was a broker I've placed with companies like that and you need to advise your client about this FULL STOP. If you still have his promo about being an expert, keep it. EDIT: Blaming the underwriter is not your problem, why TF is he doing that? Just trying to shift blame. I hate stories like this, they're people in my industry who actually try to help people and we get a bad rep from this

[@garylangford6755]

Lost a bit of respect for coffeezilla here. ALWAYS read the fine print. "I only got this for defamation and online securities" Doesn't even check the fine print for those 2 items. Genius...

[@JushakF]

@@garylangford6755 That's literally what he hired the broker for. This is 100% on the broker.

[@joemama2737]

⁠​⁠​⁠@@garylangford6755ah yes I too love reading 50 pages of legalese

[@J0vile]

@garylangford6755 Why would you reread an insurance policy that you are told is the same one you read the last time you signed it? If you don't trust your insurance broker then why do you even have one in the first place? Did you actually comprehend coffee? He was told it was a renewal and that the policy was still the same as last time he signed it. And when it came time to make another claim on the SAME POLICY HE HAD PREVIOUSLY CLAIMED ON, he was denied because they had changed the policy during the renewal without informing him. If I hire someone to read the fine print and inform me of changes, I'm not going to do the work I'm paying him for, I'm going to trust that he is going to do the job I paid him for. Don't pretend for a second that you reread your insurance policy everytime it goes up for renewal. You trust that it is the same one as the last time you signed. Lose respect for yourself for not rereading your policy every year.

[@blazaybla22]

“Always read the fine print” that is just not how it works lol. If someone’s job is to tell you what’s in a policy and they tell you this policy gives you the same coverage as the last policy that’s a material representation of the contents of the policy that you can depend on. Your comment is so weirdly pro-insurance company and totally unrelated to the OP that I can’t help but wonder if you’re a bot

[@lus]

lawyer here. I predicted this. Insurance rarely pays out. But they are happy to take your money. Buying a few t-shirts.

[@jeremydale4548]

Honestly, at this point there should be law enforcement involved to get these insurance companies under control

[@bender9000]

as a lawyer, you should know insurance absolutely pays out.

[@rge24491]

If you look at the figures, the payout per dollar is better on a pokie machine

[@nellysilly9872]

As person that pays insurance they do not I like how yall are so quick to blame the people instead of the companies yall are lost

[@Kenneth-hz4ci]

It's not that insurance rarely pays out; it should be your broker should know what they are selling. That only reason they don't get paid out is because the claim is not covered. Having a great broker that knows the ins and out is the difference between a claim being paid or not.

[@HappyQuailsLC]

The broker acting in a professional capacity would be accountable as they located and recommended the policy as a suitable replacement.

[@SwagSikh]

Insurance companies are the final boss of scammers

[@armandoalvarado5840]

It's a scam, just one of those scams that are convoluted enough to be legal.

[@ChrisWijtmans]

nah the final boss is the govt.

[@moorbish]

@@ChrisWijtmans Just wait until everyone finds out where taxes go!

[@AutumnBlair]

1. The broker should fire up his/her own E&O insurance because it’s their job to interpret the policy and apply the correct coverage. 2. The insurance company cannot charge you premiums for a policy whose coverage is unclaimable. This would be deemed unethical and it’s the fault of the underwriting dept. You should be entitled to return of premium.

[@Wicadiful]

Many things are unethical but not illegal. This seems blurred by the fact that the person that was the expert missed it aswell

[@dandydoodigery9854]

You are correct, this is considered “bad faith coverage”. This depends on the state though.

[@Bee-rt5qf]

@@Wicadifula lot of people missed it. The agent, the broker, the underwriter, multiple assistants.

[@webapple1]

there is coverage in the policy ,he spelt it out , even admitting not ALL his videos go over digital assets. therefor there is a claimable element. so this is false.

[@AutumnBlair]

@@webapple1 False. The PREMIUM is based on Actuarial rates. If they’ve exempted 95% of his work, his premium should reflect that reduction in risk. Not the increase he received.

[@experiment8230]

"Oh shit, did they do that to everyone I recommended to them?" is a great way to get someone to really fight for you

[@stjohnhawaii]

Hey brotha, just ordered a shirt! You’re the man and I’ve followed you for years! I’m so stoked you fight for the little guys always. I never order products from YT but I had to for yours. I’m praying you win the fight bro!

[@lycheens]

Name and shame! Assurant is supposed to be insuring my cell phone. Went to make a rather small claim and they are saying they only insure the phone on the month that it is billed. I have a plan that bills me every three months, so essentially they sold me a plan that works 1/3 of the year.

[@nine9nine9]

SORRY WHAT NO

[@x-r-s]

Wow that's crazy!

[@Rayne247]

WTF?

[@fuckusingfullname]

Yeah, i work for a company that works with assurant(doesnt narrow the list down, thats what everyone), and they are the WORST

[@soupflies9180]

Oh Bro, I left a phone service because Assurant took nearly 2 months to get me a working phone when my current phone was broken. I instantly canceled everything to do with them, left many continual communications, gave them feed back, asked for my money back, and STILL took that long. The people on the phone were kind and nice, but their systems were the worst. They shipped a phone to the wrong address and would NOT send another until that one got back, and that took over a week. They never followed up, it was entirely me chasing them down. literally everything went terribly with them. Hard no on that ever again

[@oldmagemtg7008]

In this episode, Coffeezilla learns that insurance companies are bigger scammers than crypto bros

[@lactobacillusacidophilus]

Yes they are. styropyro had to pay a lot for his health bills though he says he is paying 10K each year for health insurance. In fact, most bills are more expensive if you have insurance.

[@annoyingcommentator1582]

Always have been. This is bad for him but not for the general public, scammy insurance getting the Coffizilla treatment is something the world dearly needs.

[@feralhomunculus]

​@@lactobacillusacidophilus"Most bills are more expensive if you have insurance." *False* In fact, it's _the opposite_ for medical. They actually charge you _less_ if you have insurance for medical procedures than if you're paying out of pocket.

[@hafirenggayuda]

When I first heard that Logan try to sue Coffezilla (again) and Coffee say he have insurance for this kind of situation, I kinda expect he would encounter this problem. But then I think "nah, no way he can be -scammed- tricked by insurance company"

[@JackyKuk]

Hey Coffee, grabbed a shirt just now. Im a financial planner in Canada but this should be universal... ANY exclusion or modification to a standard policy that can negatively impact client HAS to have a separate addendum signed by the client. it should be a one page document that ONLY talks about changes to policy so there will be no mistake when clients sign. See if you have that page at all.

[@xen.7140]

It doesn't apply here. He changed his insurance company and signed with this new one, they didn't amend anything. His old insurance company covered defamation, and he assumed that this new one would cover it too without reading the policy

[@christophorusleonardo8127]

​@@xen.7140nah mate, if the insurance modifies the standard policy, it shall be added as an addendum

[@brodylane845]

very wrong my friend. This was written by lloyds, read "certain underwriters". Lloyds Syndicates operate as non admitted in ALL US states. IE they have no rules to follow is the long and short

[@JackyKuk]

@@xen.7140 no that still applies, amendment happens when they cannot grant a normal contract

[@JackyKuk]

@@brodylane845 maybe, can still go after broker for gross negligence and have his EO paid out

[@GetIrked]

Absolutely rough, Coffee. I run a PR firm and had to shop carefully for a General & Professional Liability insurance policy. Since I'm both on-site and create content representing my clients, I need a policy to cover my company for the potential errors we might make on behalf of our clients but also to cover my company in case one of employees drives a car through a client's offices (*cough* never actually happened *cough*). The biggest lesson here, sadly, is you get what you pay for. Going for the cheapest gets you, well, the cheapest. I've already preordered two t-shirts. I know it's not much, but I'm here for you, my friend.

[@CarMake]

Next Coffeezilla video: Exposing the biggest scam in the world... INSURANCE COMPANIES. LAWYERS. COURTS AND THE LEGAL SYSTEM

[@444knuffelmac]

probably the insurance companies, and the legal system. the legal system where i live has so many ways to make it last longer, something that should have ended in december, hasn't ended yet, (it should have never started but thats something else) it even used things that pretty mutch dont happen, we got lucky there was an law to say you need to pay more, cause you payed the amount we first sued you for off, and din't get the thing we wanted to get back, we resue you (it is litterly an retrail cause they tried to pay it off, also we need to go back to court for something so obscure. it was never fun, but firstly it was the person we are trying to get the thing from back extending everything, and then the legal system itself. and insurance companies are just the worst if you don't have very expensive ones, and don't get yourself in legal trouble.

[@Nevinhattle]

They they will Andrew Tate him start locking him up on false claims 🙄 crazy corrupt world we live in you wanna know the biggest scamming insurance RCIB Right choice insurance but I call them wrong choice insurance biggest scammers going

[@MelroyvandenBerg]

Nailed it

[@ricsbbq9999]

Also medical charges, Drug pricing,, hospitals. I once signed a admittance paper that stated the hospital could charge for everything twice. WHAT. Oh and they did double charge too. Put it right on the bill twice. Drug pricing. If you check out Mark Cubans online pharmacy I get my medication for under $100 and at a pharmacy it cost over 500 sometimes as much as 700. Thats quite a middle man profit. BTW Im no socialist but does a heart surgeon or whatever really need to charge 1 million dollars for a surgery. Just come up with a nice profit but medical charges are insane

[@Wopedomer]

Next video - coffeezilla understands insurance. They’re all a fucking scam. Insurance just try’s to suck your money out and never pay out

[@davidruiz2656]

Hey Coffee, I work in insurance and FYI whatever the insurer tells you in written or spoken takes PRESEDENCE over the actual contract. Meaning that the DOI will most of the time side with the client if the broker or insurance company gave different info than the fine print in the contract. I bought your shirt, best of luck

[@lluwelynnagel]

I am a former employee of a shady insurance company, and I feel compelled to share my experience. While I was initially drawn to the job for its financial incentives, I soon discovered that the company's practices were far from ethical. We were pressured to deny legitimate claims and mislead clients about their coverage. The management prioritized profit over people, and any concerns about the legality or fairness of our practices were quickly dismissed. It was a troubling environment where doing the right thing was often at odds with company policies.

[@wmpx34]

Well it’s just capitalism innit

[@Novastar.SaberCombat]

Rich gotta rich. Humanity is classy.

[@blahbleh5671]

Sounds tough. Only certain kinds of people can work like that without a guilty conscience

[@Muhluri]

Capitalism loves to smack the enthusiasm out of people

[@NationX]

Literally that opening scene in The Incredibles

[@LightPlayzz]

The funniest part of insurance companies being legal scammers, you have to get insurance or you'll die or not have a vehicle. Land of the free baby.

[@TikkiNikki]

Don't need gun insurance so that's something lol

[@LightPlayzz]

@@TikkiNikki True because insurance should never be required. Its just a giant scam.

[@kyoai]

I'm pretty sure you don't actually are required to have a car insurance, provided you have proof that you have the financial reserve to potentially pay privately for all the damages and other costs you could realistically cause.

[@Sadeithefennec]

@@TikkiNikki except they're trying to make it so you do. Colorado recently passed a bill through their house that will require gun owners to get liability insurance for all their weapons.

[@syko2164]

I've never had health insurance and I'm fine, I just make sure to only get injured while at work.

[@CGR89]

Most insurance is a scam. They’re making a bet that you’ll never have to use their insurance and they’re taking a free check. When you actually try and get them to pay out on a valid claim, they are going to do everything in their power to avoid paying out. Generally if they refuse to pay out, you’ll have to sue them to get them to do their job.

[@aduckofsomesort]

but you are making a bet that something will happen and you will need the insurance.

[@aleks_jones]

@@aduckofsomesort except for state required insurance, rentals that require you to have renters insurance, etc.... the companies know you HAVE to have it, especially in the case of car insurance. ive never filed an insurance claim and yet my premium goes up every year due to "increased labor and parts prices"

[@Leon_George]

@@aduckofsomesort bet? things are gonna happen if you do anything for long enough!

[@derigel7662]

you misspelled "All insurance is a scam"

[@derigel7662]

@@aduckofsomesort then just make things affordable so you can just pay outright......why invent a middle man for paying someone back for helping you

[@allensword1855]

Insurance "makes money from not paying out claims" I learned this when i was a kid watching The Incredibles.

[@android175]

I was literally going to mention this. The Incredibles taught us early that insurance are “scammy”

[@Kasperbjerby]

Don't really feel like it's something you have to learn, it's common sense.. How would they make money if everyone actually used the insurance successfully?

[@aduckofsomesort]

The thing is, while they are betting that nothing happens to you, you are betting that something will. Often times things cost exponentially more out of pocket than they do with insurance. Which is why we have insurance for things like cars and houses and health. The cost of insurance costs considerably less then if something happens and you have to pay for it all yourself.

[@proot.]

@@Kasperbjerby They're supposed to make money from all the people paying in who don't wind up needing to use the insurance, but still pay out to the people who do. If they make money from people buying in, and also make money from not paying out when they need to then they're just screwing their customers.

[@smithsmith6402]

They can also make money by leveraging their bargaining power as a huge company to negotiate for better deals. Your car insurance company doesn't pay the mechanic or hospital the same amount of money you would be charged personally. Of course, the margins are probably slim on that, and even if they weren't, some profit is never enough when corporations are involved.

[@samehabouez8267]

2 things will steel your soul: Internet influencers and insurance companies. -Wise medieval Philosopher

[@carlgauss1702]

LOL

[@NiskaMagnusson]

Insurance companies are the original crypto scammers, lord knows my car insurance is just as greedy

[@TommyCubed]

Tell me about it. 2 years ago it was $240 a month last pay period they wanted $480 a month, thats $60 more than my f****n car payment.

[@RustyNinja100]

​@TommyCubed bro thats crazy I pay 579 for 6 months with progressive. I got into an accident which caused about $6k damage on my car. I only had to pay my collision deductible which was 500.

[@BishopGG]

Facts after being with one for 3 years and no late payments no incidents finally had one and I had to fight them with a lawyer and 6 months of bs just for them to fix it... worst time ever lol

[@jeffreymerlino4613]

i used to think this and then i got in a bad accident that was my fault and my large car insurance company covered everything (it ended up being about 100,000 in damages and court costs in total). If you have a small insurance company that's cheap and get into a bad accident chances are you're paying for a lot of it out of your own pocket.

[@theKashConnoisseur]

@@RustyNinja100 Progressive did well by me, too. I got hit and my car got totalled. I only got a small friction burn from the airbag. They gave me 2k for the tiny burn and 12k for the car (KBB value was 9k at the time). But I've heard some real horror stories from Geico.

[@HydroMind]

The one guy who absolutely had the karma to never get scammed…no one is safe

[@TheSwauzz]

Only way he got scammed imo was by his broker not doing their literal only job.

[@TheGJ1980]

There is no scam here

[@june_senpai9846]

Depends on how you defined scammed​@TheGJ1980 To scam is to intentional decieve a person or entity To fraud which includes negligence is to cause some lose to a party through malicious means

[@samgeorgia7358]

@@TheSwauzz broker did his job - he got a 'similar product' - issue was with the communication between himself and the broker. You should always double check in writing with the broker what you are wanting insured.

[@khaimk4r4su]

did not know that kavernacle guy dislikes CoffeeZ but here we are, He does have some karma against him in the eyes of cavernacle because _coffeezilla defends Mr Beast_

[@obsolete959]

If I was the insurance company, I'd pay coffeezilla just not to be the next coffeezilla story.

[@ba8e]

Pretty stocked that we will get new content now xD

[@nate2838]

Hey Coffee, thank you for sharing this story with us. Its a good example of how things can go down and a couple things to be aware of. I hope everything works out for you.

[@Raymond_Luxury_Yacht_mp]

If there's one thing I've learned from Laci Mosley/the Scam Goddess podcast, it's that scammers are incredibly adept at sensing and taking advantage of others' desperation. That insurance company absolutely knows it feels like time is running out and that they are the only one offering any sort of policy to organizations like yours. Sad situations like this just go to show that we shouldn't place blame on those that get scammed; even intelligent people can fall prey if they are in a desperate place. Best of luck, coffee!

[@swizzler]

modern day insurance companies are more like professional escape artists, where they bind themself into an agreement then professionally escape that agreement.

[@Florida_as_Fuck]

He explicitly said the exclusion was present within the policy. I'm not knocking coffee entirely for not reading through it upon receipt, but the agent who sold and bound that policy while making zero effort to familiarize themselves with it's coverages and exclusions? That's foul. It's all too common these days as well, agents making zero effort to explain things to their clients, clients assuming they x, y or zed is covered, then carriers getting the blame for adhering to the contract every other party agreed to. I'm not arguing that some carriers don't pull some sheisty moves, but this specific situation could have been easily avoided had the agent done the job they're being paid for. Cause I'd wager they are making a healthy commission on his policy.

[@ryno4ever433]

@swizzler and we as the consumer are the only ones actually bound by anything with no power to fight back.

[@filthymcnasty7960]

Private insurance is essentially a protection racket. Heck, in the states where insurance coverage is mandatory they even have the armed thugs to break your knees (i.e. cops)

[@filthymcnasty7960]

@@ryno4ever433 Capitalism requires a class of workers whom the law binds but does not protect, to empower a class of owners whom the law protects but does not bind.

[@TheSwauzz]

Why do you think this is a modern day thing?

[@Deltarious]

Your insurance fiasco is literally a Ryan George skit: "Then you know if something *bad* happens to one of the things you've been continuously giving me money for just give me a call" "Oh...okay yea that's easy enough." "Yeaaaa!...and then I'll decide if I give ya money or not!"

[@MakinaMakinaMakina]

Wow wow wow, wow wow….. wow

[@TimoRutanen]

We didn't want to pay you in the first place, we've decided.

[@orangebeagle3068]

“So what happened is…” “Denied.” “…What?” “We don’t cover that.” “But I didn’t even tell you what happened yet.” “Whoops.” “Whoopsies.”

[@sefgrt]

Insurance Boss: so how did you get out of that one? Company: Actually it was super easy, barely an inconvenience.

[@EveChin]

The collab I didn't know I needed

[@elbruces]

My question is, is there *any* scenario that they would have paid a claim on? A slip 'n fall in the $10M studio? Is there any situation at all where a valid claim could be filed on that policy? Because if not, if the policy says that it only covers defamation and also in the fine print that it doesn't cover defamation, then they just sold something they knew to be worthless for real money. And that's fraud, straight up.

[@josephd.5524]

Insurance is a fucking racket.

[@skimpy105]

Literally, even Warren buffet said so 😂😂😭

[@theWebWizrd]

​@@skimpy105 depends on the company obviously. Buffet himself owns a huge insurer. Of course he doesn't believe they are thieves.

[@jilbertb]

Did you know insurance companies don't pay taxes, on anything?!

[@ngwoo]

@@theWebWizrd I mean yeah you don't get that rich while being perfectly ethical all the time

[@MephyFaust]

​@@theWebWizrd it's so cute that you haven't figured it out yet.

[@Ellie-rx3jt]

I'm a farrier (horseshoer/blacksmith). We had a load of fuss the other year because the biggest specialist insurance brokers for farriers apparently didn't read the fine print in their underwriters policy that said forges being used in our vans (the only reason we need specialist vehicle insurance in the first place) voids the insurance policy 😂🤦🏻‍♀️ So yeah, apparently this shit isn't that uncommon

[@ManiacRacing]

I learned about Insurance when I was a teenager. State Farm decided to cancel my dad's car insurance because I was ABOUT to get my license. They cancelled his insurance simply to avoid potential claims from my lack of experience. I NEVER DROVE THE VEHICLE. When he complained as a 35 year loyal customer, State Farm told him he could have it back for 3x the established price. Insurance is nothing but legalized robbery. Long story short, I got my own insurance FAR cheaper, and my father kept paying stupid prices until he died.

[@bender9000]

State Farm pulled the same crap with me. NEVER AGAIN will I do business with them.

[@jjflash2611]

State Farm is one of the worst insurance companies. Years ago my front windshield was smashed and SF paid the claim for windshield to be replaced. The work was done in my parking lot at work, and work guaranteed for Life of the Car under the Policy. 2 years later the windshield was leaking and destroying the interior of my car. I called the State Farm Broker and he literally denied that they ever paid the claim to begin with. They said they had no record of it ever being done. I had moved and couldn't find the original paperwork. I ended up paying $600 out of pocket to get it replaced. Don't believe the Marketing. State Farm are a bunch of Scumb@gs and absolutely suck!!

[@taterthepenguin]

I worked for a bunch of Insurance companies and State Farm was by far the most crooked. I work for a smaller and much more honest company now. Insurance is great, but SF can get fucked forever.

[@jilbertb]

I bought my son a beater. He bought his own insurance. My insurance jacked up my rate, because he "might" drive the car, someday. I argued til I was blue in the face and then they ok, but we're still going to raise your rate because he "might" be a passenger. WTF?!?!

[@sucyshi]

I know a woman who uses state farm, had to make a claim for her son, but they tried denying it for ridiculous reasons. Thing is, she's the landlord for literally 30 state farm locations, and she's good with the actual agents. So she manages to get the phone number for high up and she just casually tells them to prepare to help relocate all 30+ agents because most of their leases will come up for renewal at the end of the year and she feels that a company that refuses to serve the communities they're in is not a good business decision. Suddenly it's approved. But the thing is the same thing happened a few more times again but on the third time she called the guy, he heard her voice, immediately hung up, and then her claim was magically approved later that day

[@JohnHaloWarrior95]

I just bought 3 shirts Coffee. Been a fan of the main channel for a few years now, since the start of the crypto crash and your coverage of scam coins- ironically enough another thing Mr. Paul is well acquainted with. May Yahweh bless you and may you get the support you need in his case, and whatever potential response this insurance scam requires.

[@LordBadenRulez]

If Coffeezilla switch his attention to investigating insurance companies and their fraudulent practices, he'll have content for years.

[@yuotueb]

and if he had switched 5% of his attention to reading the contracts he signs, he wouldn't be in this position...

[@PercyBoom69]

"paying for insurance that ultimately did nothing" isn't that just how the US works?

[@HollowdTV]

Bingo. I once had to write a 17 page letter and attach 11 photo's and a few screenshots to get a trip insurance company to refund me for a hotel room. They fought tooth and nail not to pay. This was all over $2100. Luckily i have a lawyer in the family that scared them to death.

[@liambaker4055]

ever single time

[@opiotain]

Freedom!!!!! 😂

[@Sentarry]

Car Insurance drives me broke until it is broke 😂

[@Lancelot_2882]

Oh don’t worry, we have the same silly structure up here in Canada. You ain’t alone bro. We all getting milked. Here in Alberta, you are REQUIRED to have insurance. The insurance companies are all… you guessed it… privatized!

[@chiefwrld]

Sad that voidzilla has to pay for coffeezilla's actions

[@attackmanatee02]

Coffeezilla must be holding the guy in this video hostage or something

[@MrFakefall]

Good Guy Stephen posts a video, in it he says "different topic i'll be making a separate video about" and literally posts said video the next day

[@kyo250996]

Remind me of the good old time when netflix drop the whole serie in 1 drop instead of now

[@uselessemail816]

​@kyo250996 I think it's because if they stretch out the show in separate weeks people will talk about it for longer. Like every time they drop an episode

[@sparklelikeaghost]

​@@uselessemail816And it forces people to keep their subscription longer if they want to see the rest of the show

[@kurtiscleary9759]

​@@uselessemail816yeah this and you are likely to keep paying a subscription if its spread over a month or two.

[@FairFeline]

What a legend

[@jpanda79]

Insurance companies doing what they do best. Avoiding to pay claims that their insureds have been paying them for for years

[@elliott614]

One time, progressive auto insurance actually paid me more money for the car than the dealership charged me, even though it had body damage (which I was supposed to have fixed with the check they gave me, but instead, just cashed it and never got the repair - though that last point, it was 100% not my fault and the person whose fault it was had the same insurance, and the adjuster told me explicitly I could do whatever I wanted with the check, which is not even a question I asked)

[@elliott614]

had health insurance though, LOVED to deny claims for things they cover as "medically unnecessary", so I would tell doctors not to do things so I didn't get charged, they'd say it was necessary and I would just leave and not do it. Then hospital would still bill insurance, and then it'd be denied as unnecessary. Idk why people whose job it is to not pay have more authority than doctors but whatever. but like, once this was millions of dollars, and every 3 days the provider met with the insurance rep who signed contracts to extend the treatment, agreeing with the medical necessity. And they tried to sue me over the entire bill after all that bc they're greedy 5(um8agz

[@startingtech3900]

scammmm

[@TheSilentQiter]

USAA renters insurance is still trying to get out of paying me. I have water damage coverage for my apartment. I find a leak coming from the ceiling which led to the roof. I submitted a claim back in February. After 2 months, they respond back saying that the landlord told them it was "seepage and not a leak" and therefore due to a hidden "water seepage" clause, they weren't going to pay. About a month later I manage to find enough proof to get the claim reopened by convincing them that it was in fact not seepage and showed proof of my correspondence with the roof repair people. They have finally reopened the claim but are continuing to try to find exceptions which is crazy because at this point they've spent more money on agents looking for reasons to get out of paying me than they would've spent on just giving me my money.

[@freedustin]

Sounds like you can prove malicious negligence...

[@jjb0894]

I had USAA renters insurance for a while, but never actually used it. But their homeowners insurance is pretty solid, they paid me for water damage within days.

[@TheSilentQiter]

@@jjb0894 Ah, so their response time is based on the amount they make from the insurance payments. Further shows how shady and gross they are.

[@TheSilentQiter]

@@freedustin Oh 100%, especially since this isn't my only problem with USAA. They are also my bank and a few months ago they managed to "lose" $2k twice. Luckily I was eventually able to get it back but their support staff were completely useless, just like the rest of the company. I would absolutely sue them if I had the funds, but I just got done fighting with my landlord over the water damage problems and I'm not financially ready to get involved with another legal battle.

[@TheTcepnt]

USAA was terrible for me a few months ago. I was rear ended at a red light by one of their policy holders. He submitted a claim immediately and I called 3 times over the next week, each time being told the person they transferred me to the last time wasn't the person dealing with the case It took me telling the guy a week and a half after the fact that I was gonna just go through court instead for them to finally call me.

[@KC-Mitch]

Private insurance of any kind is a scam. They will reject claims of nearly everything _unless_ a suit against them would cost more to litigate than if they just paid out. They have the best accountants and litigators in the world to ensure they're on top. I'm sorry you had to go through this.

[@TeenageMutantZuckerTurtle]

Insurance: “we cover errors and omissions but not defamation lawsuits” “What risk do errors and omissions even have that makes them insurable other than a defamation suit?!?” Insurance: “yes.”

[@RanEncounter]

Gross negligence for example. There are many more examples.

[@andykleschick2047]

Depends on the type of e&o coverage what could and could not be covered

[@stacydavis3835]

Uhhh things like miscalculating a cost proposal, not reading an insurance policy before signing it, accounting errors, etc

[@shannon4386]

So basically insurance companies can put whatever the hell they want in a policy and no one will catch it until it’s too late - even the people you pay to catch that stuff. That’s comforting.

[@theKashConnoisseur]

This is why you should always read and understand the fine print in the terms of service agreements.

[@fawnieee]

​@@theKashConnoisseur even then, they'll often use terminology that allows for all kinds of loopholes so they can slither out of committing to their part of their agreement.

[@kyoai]

@@fawnieee Then it's the brokers and lawyers, aka the experts, responsibility to make sure that the contract covers what the customer wants.

[@TheSwauzz]

@@theKashConnoisseur Fine print? You mean all the normal print, right? There is no "fine print".

[@joelsommers]

​@@TheSwauzzNah, multiple font sizes are deployed so often that some states (including my own, New Mexico) imposed specific font size standards that contracts must adhere to. So yeah... it's definitely yet one more dirty tactic.

[@That_Anka]

If coffeezilla is out here getting scammed, we are all pretty much fucked 😂

[@jamesrule1338]

The lesson here is always keep your eyes open. And don't sneer at people that get scammed. Because there's a scam for everyone out there. If yours hasn't found you yet, consider yourself lucky.

[@hafirenggayuda]

I see some other YTubers whose channel go for scammer, like Jim Browning, get scammed too Nobody perfect

[@terrablaze3387]

Especially in regards to insurance, a thing where most people got essentially scammed on

[@alangarde2928]

@@jamesrule1338 That's the thing about things like insurance (and why you hope/expect your broker to be adding value and looking out for things). You as a customer do this once a year for a type of insurance (if you shop around every year). Most people hang on until there is a reason to change and so its every couple of years and there maybe changes in regulation or how they do business that you don't know. The insurance companies do this every single day with massive amounts of data on their possible liabilities and have massive focus on reducing their liabilities. You, the consumer and an individual, are at a massive disadvantage playing their game and you just have to miss one thing (and a thing you didn't even know to check for) and well, you are in the position Coffee is in. I really feel for Coffee. He had a broker because this is not his area and he is busy with family and his investigations, so it'd be too easy to say he should have checked the details when it's something all too easy to do. It's the same with outright scams. Laughable as they may seem when you see them on YT, they do this all the time and work at getting better and more believable. It just takes one bad day when you are distracted by other things (like Jim Browning) and they've got you. This isn't like going into get rich quick schemes, most of them rely on catching you off-guard and afraid and keep you too busy to step back and think. Definitely never sneer at someone that gets scammed.

[@SpencerCornelia]

the co-defendant in my case is suing his insurance company

[@ethansdad3d]

Advertising a service that implies defamation insurance but excluding coverage for defamation would likely be considered misleading and deceptive. In many jurisdictions, consumer protection laws specifically prohibit such practices. For example: In the US, the Federal Trade Commission (FTC) Act prohibits unfair or deceptive acts or practices in commerce.

[@SquiddyHiggenbottom]

Name the broker AND the insurance company in the lawsuit, they wanna point fingers at each other then you can point middle fingers at both of them

[@IainJMoore]

He would, if he was covered for defamation…

[@alexkram]

they might sue him for defamation, they know he's not insured for that

[@Ken_Doll_Roy]

Going full Kendall Roy is always a good business strategy.

[@CoolWatchesOnly]

​@@alexkram dmn so frustrating 🤦🏻

[@CoolWatchesOnly]

I think it was the broker, the insurance company has no obligation to make you read the entire thing before signing it, he trusted the broker who didn't make his work, next one was coffee himself, you should prepare or at least check your own parachute, always, no exceptions

[@stevemcknelly5036]

I'd almost argue that it' an invalid contract, since it insures against nothing.

[@ChrisWijtmans]

yep the contract is contradicting itself, a fraudulent contract. but it wont help in his legal battles it just adds another one on top of it.

[@stevemcknelly5036]

@@ChrisWijtmans Agreed. It's just causing a war on two fronts.

[@TurtleKwitty]

Have a feeling itll come down to coffee haivng to sue the broker for fraudulently selling them insurance that wasnt what was sold and the brokenr having to sue the insurance company for the contract being dumb yeahhhhh

[@ElektronDeForza]

@@TurtleKwitty and how much money Zilla will need to be able to sue this many people. Lawsuits aren't cheap

[@TurtleKwitty]

@@ElektronDeForza Never said it was cheap, just that's the only way to recoup it

[@timseguine2]

You should have gotten insurance insurance. The smart people also get insurance insurance insurance.

[@carlgauss1702]

I was going to say the same.

[@olencone4005]

I gave up on trusting insurance companies decades ago... my most memorable insurance fail was with Progressive. The car insurance plan that I had been paying for -- for over a decade at that point -- had been discontinued years earlier... and they never told me. As a result, I had zero coverage -- and they were sending me a bill every month for it. I had no idea until something finally happened to my car (the building I was parked next to caught fire and the car was consumed) and Progressive was like "oh, so sorry, we can't help you because you have no coverage -- your next bill is due in a week so make sure you pay promptly, buh-bye now." Yeah, F that scam.

[@codykimmel]

Wait, so what happened? Progressive is a huge company. That's insane.

[@hakayonder3396]

That sounds extremely illegal.

[@lanceknuth5300]

@@hakayonder3396, it is only (effectively) illegal if they are held to account.

[@olencone4005]

@@codykimmel Progressive gave me nothing, that's what happened, and I dumped them like a hot potato as soon as I could -- and I would recommend the same move to anyone else who uses them. I was only able to afford a new car (a much cheaper low end Honda) because the dealer (Saturn, may they rest in peace) went out of their way to help me out with refunds.

[@olencone4005]

@@hakayonder3396 It probably was... but my financial resources at the time were not up to supporting a legal case to find out :(