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 Posted: Tue Oct 28, 2008 11:27 pm Post subject: |
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Come on Every...tell us how you really feel. Don't hold back.
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LifeIsGood
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| Posted: Wed Oct 29, 2008 2:07 am Post subject: Every Day |
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Great posts! Right on the money.
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Cascade Dave
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| Posted: Wed Oct 29, 2008 8:59 am Post subject: |
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| Quote: | | Yes, the auto accident attorneys |
just an fyi, I'm not talking about accident attorney's I'm talking about firms who specialize in collecting judgements not getting them.
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Lori
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| Posted: Wed Oct 29, 2008 7:46 pm Post subject: |
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Quite a discussion started from something so simple. The main thing for me in this entire thing is the discussion started out of the commercial. I don't personally care if the commercial is right, wrong, good or bad. I persoally think it helps for my customers or others customers to talk to me to discuss what the commercial implies. I have so many customers call me for quotes or any other reason and they have not the slightest idea what I'm talking about when I start talking about limits. Now this is not some 16 year old that is just learning how to drive and learning about insurance. This is the 45 year old male warehouse working or 29 year old female nurse (just examples...no sexist bias on the choice of employment). This blows my mind when I'm trying to figure out what they have and what they need.
I think it is interesting how it has been stated to make sure you have substantial UIM. I don't know about where any of you reside but in my state you cannot have a UIM higher than your BI. So to me you need to have a higher BI to make sure you have a higher UIM.
As far as the attorneys in this thread...thank you for your cooperation in letting us know the law...in your state. In other states there are different laws and issues. As for FL...I would hate to be an agent down there because I would be the agent constantly trying to sell appropriate coverage and losing business to the agent underselling.
Oh well...I'll stay where I am.
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Slappy
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| Posted: Wed Oct 29, 2008 10:59 pm Post subject: Simple Facts |
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Good point, Slappy.
I did not go into the "UIM cannot be higher than your liability limits" on purpose, it just adds another layer of difficulty to an already difficult to explain topic. I don't know how many states have that requirement, but mine does for both UM and UIM. It is a good policy, otherwise, you could carry peanuts for liability and a lot of UM and UIM. I carry good liability limits because I want to be able to carry high UM and UIM limits to match.
Anything that gets people to talk to their insurance agents about what they really need - and we all hope to get good advice for their state and their situation - is not all bad.
Allstate could have just said that. Instead, once again, the world's worst insurance company in terms of how they treat their claimants and customers (check the polls) injects half truths, lawsuit bashing, and distrust of the jury system into the ad. Its easy to see when you are sensitive to it, as so many of us lawyers - with reason - are.
Insurance coverage is complicated, and unfortunately too many people I talk to - when it is too late - got their explanations about what all the different coverages mean - from someone who did not really understand. Let's face it - if you really understand what UIM does - there is NO way you are going to sign a form rejecting it. What's needed is for it to be mandatory - no big thing, since in my state UM in the same limit as liability is mandatory now.
Hard to sit across the table and have to tell a family that because they chose not to buy UIM or sufficient UIM the drunk driver with minimum limits who maimed their loved one pays his $25K and there is no where else to turn for monetary relief in the court system.
Most people are judgment proof - and no amount of anger or vindictiveness will change that fact. Carry good insurance - and if you need more liability so you can carry more UIM, do it. Med Pay is a great feature that too many ignore also. I carry 10K on each of my vehicles for what amounts to pennies. It pays medical bills regardless of fault - and usually quickly.
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Every Day
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| Posted: Thu Oct 30, 2008 12:38 am Post subject: |
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Medpay used to be a cheap coverage in my state as well, (it also covers many funeral expenses)...I don't know what happened, but it's higher than a cats back now...re: UIM, it's a great coverage, and I agree I wish all states required it, or minimally rquired insured's to sign a waiver, not in my state anyway, manditory bi/pd/um 25/50/10/25/50, and that's it...
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Lori
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| Posted: Thu Oct 30, 2008 12:57 am Post subject: |
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Every Day...a little clarification.
"Lawyers Rate Allstate as Worst Insurance Company..."
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LifeIsGood
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| Posted: Thu Oct 30, 2008 1:08 am Post subject: |
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| Quote: | | "Lawyers Rate Allstate as Worst Insurance Company..." |
Hey, I thought the company I work for is rated the 'worst'......   
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Lori
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| Posted: Thu Oct 30, 2008 1:13 am Post subject: |
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Worst something no doubt. I think you could dig up a "worst" something on every company.
Lawyers rate Allstate the worst.
Lol...I'm so ashamed to be an Allstate agent. 
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LifeIsGood
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| Posted: Thu Oct 30, 2008 1:36 am Post subject: |
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WAY TO GO GARY!!
When I first saw that Allstate commercial, I laughed and thought "yeah right". That particular commercial, like so many salespeople in the industry, takes advantage of the public's lack of general insurance knowledge. It's sad but true
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InsInvestigator
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| Posted: Thu Oct 30, 2008 1:40 am Post subject: |
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So sorry to break the bad news but:
To identify the worst insurance companies for consumers,
researchers at the American Association for Justice (AAJ)
undertook a comprehensive investigation of thousands of
court documents, SEC and FBI records, state insurance
department investigations and complaints, news accounts
from across the country, and the testimony and depositions
of former insurance agents and adjusters. Our final
list includes companies across a range of different insurance
fields, including homeowners and auto insurers,
health insurers, life insurers, and disability insurers.
Allstate—The Worst Insurance Company
in America
One company stood out above all others. Allstate's concerted
efforts to put profits over policyholders has earned
its place as the worst insurance company in America.
According to CEO Thomas Wilson, Allstate's mission is
clear: “our obligation is to earn a return for our shareholders.”
Unfortunately, that dedication to shareholders
has come at the expense of policyholders. The company
that publicly touts its “good hands” approach privately
instructs agents to employ a “boxing gloves” strategy
against its own policyholders.1 In the words of former
Allstate adjuster Jo Ann Katzman, “We were told to lie by
our supervisors—it's tough to look at people and know
you're lying.”
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InsInvestigator
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| Posted: Thu Oct 30, 2008 1:42 am Post subject: |
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Just to be fair, I'll throw the rest of them under the bas as well.
The Ten Worst Insurance Companies
1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark (These guys should be #2)
10. Liberty Mutual
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Please feel free to go to my website at www.markcolbert.com or, if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away. |
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InsInvestigator
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| Posted: Thu Oct 30, 2008 3:11 am Post subject: |
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I love all of allstates commercials. I can't wait for them to run the thanksgiving commercial where their spokesman gives out the statistic on how many people burn down their houses deep frying turkeys. I just don't know how he can keep a straight face in that one...
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beatuplunchbox
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beatuplunchbox
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| Posted: Thu Oct 30, 2008 9:47 am Post subject: |
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MAN, My company's not on the list! That really ticks me off... 
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Lori
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