We live in a town where the pants of kids get dirty. Really dirty.
Such was the case for our nine-year-old. After playing outside for the better part of the day, he was equally as dirty. Mom ordered him to strip and hit the shower, which he did.
Mom immediately swept up the dirty clothes, combined them with the other dirty clothes in his hamper, and put them in the wash. We normally check pockets, but this time that didn't happen.
Our son exited the show a few minutes later and immediately started screaming!! Noticing the pants were gone to the wash, he realized that so was his new iPod (about 30 days old). $274.99 at Best Buy, now suffering water damage.
Mom stopped the washer, pulled out the iPod Touch and put it in a bag of rice to dry. We left it in that bag of rice for four days, but no luck. It was dead to the world.
The morning after the accidental washing, mom called American Express and put in a claim. American Express always advertised protection against "accidental loss" so we were relieved to know we'd bought the iPod with the Amex...
The claims people were great, even saying this shouldn't be a problem.
We got the denial letter from American Express a few days later... They said we "Abused" the iPod and they cited an exclusion stating that "Abuse" gave them the right to deny the claim.
Doesn't "Abuse" imply some type of intentional act?
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