If You Drive a Car, read this.

[ExAFO 0]

If you fuck up and get into an accident, chances are it'll cost you, unless you got rear-ended.

Just because you bought insurance doesn't mean you have a get out of jail free card. Stop driving like an idiot.

Don't yell at the insurance adjustor because you're embarassed at your own buffoonery.

If you have a 1994 Honda Civic, you're a fucking retard if you think we owe you a 2006. Your sad little emotional attachment to your car is of no value to anyone but you.

If you fuckup, YES...your premiums will probably go up. That's life--if you show yourself to be an idiot behind the wheel, we've got an idiot tax for you. You're the one who bought the fully-loaded car but the stripped-down insurance...

Unless you're a lawyer, stop trying to sound like one. Your pathetic ramblings make Louis Farakkan(sp?) seem normal.

I'm doing my best to make your bad day a little less so, but I am not sitting on a platinum mine that's there to replace your Yugo with a Bentley.

UGH!

Illinois needs a CCW Law. NOW.

[Rookie120 0]

Are you a spokesman for my sister? Did she send you?

If you find yourself in a fair fight, your tactics suck!

[jdfreefly 1]

Has it occured to you that if insurance companies stopped implying that we aren't safe unless we have insurance, that people might stop thinking insurance will take care of us no matter what jack ass stupid thing we do?

The insurance loby is one of the most powerful ones in the country. As far as I have seen, it is their policy to deny a claim first and see if the policy holder takes it.

Methane Freefly - got stink?

[ExAFO 0]

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...As far as I have seen, it is their policy to deny a claim first and see if the policy holder takes it.

You've seen The Rainmaker a few too many times.

Illinois needs a CCW Law. NOW.

[kelpdiver 2]

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...As far as I have seen, it is their policy to deny a claim first and see if the policy holder takes it.

You've seen The Rainmaker a few too many times.

funny how the real world seems so similar after every local disaster hits. State Farm and Allstate proved so well that their ads are bullshit. They don't exist to take care of their customers, they exist to make money, like any other corporation in America.

You don't sound any better. Do you like any of the customers you deal with?

[MC208B 0]

what's the matter, your commisions a bit low lately?

[Gravitymaster 0]

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what's the matter, your commisions a bit low lately?

Actually he's correct. People have all kinds of crazy expectations from their Insurance Company. Many think insurace is home maintenence policy and should cover anything relted to their house. A good example is demanding the insurance pay to have a tall tree removed because if they don't, it might fall and hit their house, causing more damage. People even ask the Insurance Co.to pay for replacement of roof because if they don't it will leak and cause damage to their home furnishings, which they would then expect to be compensated for.

-

[wmw999 2,583]

Yup. I'm not in insurance, and I've had my problems dealing with them, but, ya know -- there are an awful lot of people with unrealistic expectations. And if he's in insurance, he gets to field all of them, and he's supposed to be nice about it.

Wendy W.

There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown)

[peregrinerose 0]

Aahhh, but if you are an insurance company... wisen up a bit. That accident may be because the moron at fault is not legal to drive... check his freaking side vision.

I just pulled a license from 2 guys who have absolutely no vision on the right side, have had multiple accidents as a result, and are bitching about their insurance premium rather than be smart enough to take themselves off the road. Neither were legal to drive from a vision stance to begin with.

Do or do not, there is no try -Yoda

[Andy9o8 2]

I can speak from some knowledge here. I've worked in-house in the insurance claims industry; I've represented carriers against policyholders; and I've represented policyholders against carriers. I've seen, advocated for, and advocated against, the good, the bad and the ugly of all sides of the issue.
Two things said in this thread about the insurance claims industry are correct, despite the fact that on their face they seem to conflict:

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Gravitymaster: People have all kinds of crazy expectations from their Insurance Company. Many think insurace is home maintenence policy and should cover anything relted to their house.

and

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jdfreefly: The insurance loby is one of the most powerful ones in the country. As far as I have seen, it is their policy to deny a claim first and see if the policy holder takes it.

Harmonize the two, and you have a pretty good snapshot of reality.

[goofyjumper 0]

You must be an adjuster. I used to be one and couldn't handle it anymore. I feel where you are coming from.
And luck behold, my car just got totalled by a drunk driver and I know I aint going to get shit for it. But I am not going to take it out on the adjuster because I know where they are coming from.

-----------------
I love and Miss you so much Honey!
Orfun #3 ~ Darla

[Darius11 12]

Don’t ever trust your insurance company. Specially when they suggest you to use one of their body shops because their work is guaranteed. They fixed my car about 5 years ago and it looked like shit so I did sound like a lawyer and they did it again this time correctly. There in it for the money they are not a non-for profit organization.


I know that some customers have ridicules expections but please don’t try to make the insurance companies sound so caring there not. They will give you the minimum they have to and nothing more.

I'd rather be hated for who I am, than loved for who I am not." - Kurt Cobain

[rehmwa 2]

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Actually he's correct. People have all kinds of crazy expectations from their Insurance Company. ......-

If you don't ask, how do you know?

An insurance company that supported some of these activities would be popular, but the premiums would be big too. Any business has to make money, though. So the tradeoff is driven by demand and supply relative to perceived value.

So whining by the adjustors or the clients is a real waste of time. Getting and losing clients and making a profit is all that matters. The balance is always changing.

The only thing I do know, is that if my adjustors are assholes, they lose my business no matter how good a deal they have. (My last accident, my adjustor advised me on how to negotiate with the other guy's insurance reps - they admitted 100% responsibility. My guy helped me get quite a bit more by being on my side. He didn't have to, but he did anyway. This is a good company and they do stuff like this all the time. AND they still make a profit and they deserve to. I even get dividends twice a year and pay less than any national brand. They are very good investors. Place is run by ex-military executives (adms and gens))

...
Driving is a one dimensional activity - a monkey can do it - being proud of your driving abilities is like being proud of being able to put on pants

[goofyjumper 0]

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Actually he's correct. People have all kinds of crazy expectations from their Insurance Company. ......-

If you don't ask, how do you know?

An insurance company that supported some of these activities would be popular, but the premiums would be big too. Any business has to make money, though. So the tradeoff is driven by demand and supply relative to perceived value.

So whining by the adjustors or the clients is a real waste of time. Getting and losing clients and making a profit is all that matters. The balance is always changing.

The only thing I do know, is that if my adjustors are assholes, they lose my business no matter how good a deal they have. (My last accident, my adjustor advised me on how to negotiate with the other guy's insurance reps - they admitted 100% responsibility. My guy helped me get quite a bit more by being on my side. He didn't have to, but he did anyway. This is a good company and they do stuff like this all the time. AND they still make a profit and they deserve to. I even get dividends twice a year and pay less than any national brand. They are very good investors. Place is run by ex-military executives (adms and gens))

You wouldn't be talking about USAA?
They are a great company!

-----------------
I love and Miss you so much Honey!
Orfun #3 ~ Darla

[stoneycase 0]

except USAA's car insurance rates are rather high. i went from usaa->progressive (drive)->mercury. happiest with mercury. cheapest as well. by damn near $600/yr. same coverage levels but no fancy website (bs anyway).

but yes, usaa is nice, i use them for banking. if i can get car ins through them for a little less, i'd be all over it. quality folks.

insurance companies, i'm sorry to say, fcuking suck. i pay for a certain coverage level, i expect that stated level of coverage. i should not have to
1 - followup for you, do your job.
2 - remind you to send me correct paperwork, do your job
3 - wait 3 days for a written estimate on damage to my vehicle (don't call me and tell me verbally and tell me "it's on the way"), do your job.
4 - fight for every inch of "reimbursement", i pay you to help me? oh wait no, that's right i just pay you to pay you, then i have to WORK for reimbursement, that's how it works....

sorry, you get no empathy from me, other than a huge congratulations, if you're one of the few doing their job.

Does whisky count as beer? - Homer
There's no justice like angry mob justice. - Skinner
Be careful. There's a limited future in low pulls - JohnMitchell

[goofyjumper 0]

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except USAA's car insurance rates are rather high. i went from usaa->progressive (drive)->mercury. happiest with mercury. cheapest as well. by damn near $600/yr. same coverage levels but no fancy website (bs anyway).

but yes, usaa is nice, i use them for banking. if i can get car ins through them for a little less, i'd be all over it. quality folks.



insurance companies, i'm sorry to say, fcuking suck. i pay for a certain coverage level, i expect that stated level of coverage. i should not have to
1 - followup for you, do your job.
2 - remind you to send me correct paperwork, do your job
3 - wait 3 days for a written estimate on damage to my vehicle (don't call me and tell me verbally and tell me "it's on the way"), do your job.
4 - fight for every inch of "reimbursement", i pay you to help me? oh wait no, that's right i just pay you to pay you, then i have to WORK for reimbursement, that's how it works....

sorry, you get no empathy from me, other than a huge congratulations, if you're one of the few doing their job.

Let me say going from USAA to Progressive and then Mercury.
You get what you pay for. Hopefully you have never had a claim with them before. If you did, then you would probably go back to USAA.

-----------------
I love and Miss you so much Honey!
Orfun #3 ~ Darla

[diverborg 0]

I'm not a good person to try and convince that insurance companies are all but legalized crooks. I've been bent over twice by my former insurance company and two others of the other drivers. I've been involved in two accidents of which neither were my fault or the slightest bit of carelessness on my part. I drove an older vehicle I only had liability only on. Both accidents involved semi-trucks that couldn't see my little honda civic IN FRONT OF THEM. Obviously there was minimal damage to both trucks so they never filed with my insurance company. Both times my vehicle was destroyed and my company would do nothing because they had nothing to defend. No witnesses stopped in either scenario so the police put could not determine fault in report. It wasn't brain science though to see who was at fault. Both times their insurance companies refused to pay the claim. The second accident I had enough and decided to get a lawyer. It wasn't until then that they offered to pay half the claim if i let it go. I grudgingly accepted. Without a doubt they were at fault, but they deny first until you threaten with a lawyer. By the way I have never had an at-fault accident or ticket, but my insurance company raised my rates for both of these accidents.. Sorry for the long post, had to get that off my chest.

[Sick_Of_It_All 0]

Quit crying and get a new job if you can't handle it. I feel sorry for anyone who has to deal with you when they file a claim, I bet you work real hard for them. I hope you don't work for Liberty Mutual.

[Shotgun 1]

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Yup. I'm not in insurance, and I've had my problems dealing with them, but, ya know -- there are an awful lot of people with unrealistic expectations. And if he's in insurance, he gets to field all of them, and he's supposed to be nice about it.

I think that in any job, especially something customer service-oriented, that you're going to have to deal with people that have unrealistic expectations. The type of person who can't deal with difficult people should probably not be in a customer service-oriented field. (Of course, even the calmest person in the world probably needs to vent sometimes, if they've been dealing with a few too many assholes.)

I've been with the same auto insurance company forever, and I've had to put in a couple of claims with them (only one that was my fault)... and they have always been great.

[Flygurl 0]

WOW. I don't know who you work for, but I know it isn't State Farm. I've had to make several claims with them and have always had my claim handled immediately, with minimal hassle and with a smile.

I know there's cheaper insurance available, but I think insurance is one of those things where you get what you pay for. So far my expectations have been exceeded.

Judging from the attitude that came across in your post, I hope I never have to work with you to get a claim resolved. Maybe you'd find another line of work more satisfying!

________________________________________

"One out of every four American's are suffering from some form of mental illness. Think of your three best friends. If they're okay, then it's you."

[stoneycase 0]

actually, i've done auto claims with all 3. accident/glass/accident (none of the acci's my fault...)

mercury was on par with usaa no problem. prompt responses, take it where you want, etc etc. the only thing with mercury is i have a local agent (a physical office and physical person i can interact with) - you don't get that with usaa - at least not in my area.

progressive OTOH, was horrible. i wouldn't spend the time or effort to kick them in the nuts, if they were standing in front of me. actually, scratch that, i totally would, and i'd get a good laugh at it too.

Does whisky count as beer? - Homer
There's no justice like angry mob justice. - Skinner
Be careful. There's a limited future in low pulls - JohnMitchell

[TequilaGirl 0]

Progressive is funny....they sent me a demand letter on a claim my insurance (Farmer's) denied two years earlier....and then threatened to sue me if I didn't personally pay....I had to explain to them that they couldn't sue b/c the statute of limitations had already expired.... I must say it was a rather entertaining phone conversation and I never heard from them again.....

[BaconStrip 0]

I don't usually post but you have made me so mad with this CRAP I just had to say something. I've been driving a truck longer than I've been jumping, and I can tell you don't know one damn thing about operating a motor vehicle in traffic, or filing an insurance claim for that matter. I f#@in hate you Yuppies that slam on the brakes in your pussy little cars at the first glimmer of a yellow light and think its everybody elses responsiblity to stop on a dime.

Why don't you step out and try that shit on a bicycle.

Meat Gazer, out.

[Sick_Of_It_All 0]

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I f#@in hate you Yuppies that slam on the brakes in your pussy little cars at the first glimmer of a yellow light and think its everybody elses responsiblity to stop on a dime.

I drove a truck commercially for quite a few years, it's one thing when someone cuts in front of you at a light and cuts your braking distance in half, that sucks not much you can do about it. However, if they are already in your lane, why are you following them so closely that you can't stop without hitting them? When driving a truck you should only follow as close as it would take you to stop if the car in front of you slammed on their brakes as hard as they could. You must not be a very careful commercial driver, truckers like that kill hundreds of innocent people every year. Air brakes stop 10 times better than car brakes, you just need to be at a distance that is suitable for your pay-load weight to stop.

[Andy9o8 2]

Terrific attitude.
Next time I see some @#$%*$#@ driving an 18-wheeler 3 inches off the bumper of a car on the interstate in a pouring rain at night at 80 mph, placing everyone's lives at risk and keeping everyone's insurance rates nice and high, I'm going to presume it's you.