“They tried to tell me that my chiropractor bills wouldn’t be covered at the full rate I was being charged because the police report indicated that I wasn’t wearing my seatbelt,” Morse said. “And I says to them, ‘Why should I have to wear a seatbelt when you people advertise the joys and carefree feeling of not wearing it?'”
Morse was referring to the photo on the website for Assurance America, the insurance company he’s had car insurance coverage with since 2013. It shows shows a white, upper middle-class couple driving down the road in a convertible with the top down, with the woman obviously basking in the freedom one can only get when riding without a seatbelt.
“I mean, clearly they’re telling me and every other one of their policyholders that they’re just fine with not wearing a seatbelt,” Morse said. “But then when you get into an accident and you’re not wearing one, they pull s*** like this.”
Morse said that the adjuster handling his claim told him that it isn’t their policy to pay insured’s for injuries they sustain when not wearing seatbelts, and insisted that she wasn’t familiar with the photo depicting such foolish behavior. “She also said she isn’t in either the advertising department, or the IT department, so she has no opinion whatsoever about the photo, then she basically told me I was lying about the photo and a deadbeat lawbreaker who was wasting her time. I think I’m gonna have to call a lawyer.”
Calls to Assurance America’s headquarters for comment on Morse’s claim were not returned.