National Insurance Co.Limited under the GIC umbrella has the highest claim settlement ratio in India.
A pro of using a clear umbrella is that it can be used as a green house. Unfortunately many people claim they do not last more that one season so you might need to replace it.
Umbrellas are only considered cursed or unlucky if opened indoors.
a umbrella can be a simple machine but it depends on how it's made
An open claim.
No, failure to state a claim is not considered an affirmative defense in legal proceedings.
No, neither a ball retriever or an umbrella count as a club in your bag. The rules state that to be considered a club it must have a grip, shaft and a clubhead.
Key-chain and umbrella could be considered school supplies but as a teacher and father I would attend class first to verify the use and appropriateness of the request.
If you have expenses due to being bitten by someone's dog, one way would be to go to your insurance company to make a claim. They will go after the people for you and find out if they have umbrella insurance.
umbrella is spelled umbrella! ;-)
Teaching is not considered a government organization in itself, but it often falls under the umbrella of government-funded education systems and institutions.
Every claim is considered on its own merits, so there are cases where the claim might be approved.