A homeowners customer once requested coverage from Reiner Maurer, vice president, personal lines, United States Liability Insurance Group to pay for the loss of his stolen dentures. Confounded by the idea of someone stealing another person’s dentures, Maurer investigated further. He learned that not only had the insured witnessed the theft, but failed to file a police report. The crime occurred on the beach in Atlantic City where the insured vacationed. The insured sneezed to such a degree that he blew his dentures out of his mouth and onto the sand, triggering a hungry seagull to snatch it up, thinking it to be food. Maurer ultimately declined the claim and suggested the insured consider a products liability claim against the adhesive cream company.
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