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 Posted: Thu Oct 30, 2008 2:41 pm Post subject: |
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The American Association for Justice (AAJ), formerly the Association of Trial Lawyers of America (ATLA) is the leading organization for lawyers representing plaintiffs in the United States.
...leading organization for lawyers...
No worries. You can find bad about everybody. Allstate is # 1 in lawyers minds? OK. And...
I can find dozens of people who would rate a dozen other companies as worst.
I do everything I can to take care of all my policy holders. From quote to handling claims. I leave each day knowing I've done the best I can for my clients. I can sleep at night - quite easily. I am proud of the sign on my wall.
No worries.
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LifeIsGood
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| Posted: Thu Oct 30, 2008 3:11 pm Post subject: |
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As far as ratings go...you can look up many different reports to fit what you need. The company I represent received the award from JD Power for Customer Satisfaction and rate highest in AM Best but then I can go into other reports that contradict those claims. It is all about how you take care of your customers that matter. If something negative comes out about the carrier you represent then you do everything in you power to put a positive spin on it in your area.
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"The world of achievement has always belonged to the optimist." ---- J. Harold Wilkins.
Check out P&C, Marketing and other at www.insuranceandmore.blogspot.com |
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Slappy
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| Posted: Thu Oct 30, 2008 5:51 pm Post subject: |
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LifeIsGood,
For all it's worth, I'm proud of you. That is a great attitude and I honestly believe you. You, my friend, are certainly among the 59% of all agents who are good, loyal, honest, trustworthy, etc., etc. The other 40% are the ones who give me job security. Great Response!!
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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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Posts: 470
Location: Central California
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| Posted: Thu Oct 30, 2008 7:19 pm Post subject: |
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Thanks Ins...believe me, I know some of the 40% (yes, with Allstate) and as I see their names on lists of "atta-boys" I just keep repeating one thing.
Karma.
I know they will get their's one day.
(not that I wish any ill-will on anyone but...I know I'm ethical so I don't have to get paranoid the next time the phone rings and I see that is it the home office)
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Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller |
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LifeIsGood
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| Posted: Thu Oct 30, 2008 7:49 pm Post subject: |
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It's all about the individual and how they handle their job and the people they deal with and assist...
The company I work for has a generally horrible reputation in many markets where body shops are concerned...but you would have a hard time trying to find a shop in a 100 mile sweep of me to say a harsh word about me or the way I handle their repairs (ergo the company I work for)...In my area all shops may hate state farm, or allstate but go 50 miles and they are in love or visa versa....I'm sure your clients would have nothing but glowing recommendations for you LIG, you're ''that'' kind of agent...just like adjusters or any other job/profession, the bad ones get all the press....that casts a big shadow on those of us that work hard and with integrity...also I seriously doubt that the head honcho with allstate rang you up and said, 'hey LIG, what do YOU think should we pull out of flordia? Cause we're leaving this decision solely up to you"....  not hardly but you (and all allstate agents/and employees) have to deal with the crap...reminds me of jerks that yell at the poor cashier at a gas station making about 6.50 an hour because gas is too high...
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Oct 30, 2008 7:56 pm Post subject: |
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Fortunately, our two preferred body shops here love me...lol. Of course, the $5.00 Little Caesar's pizzas I take to them once a month helps...lol.
You know this and I know this; It's all about how you and I handle our customers and vendors. That is what makes the difference.
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Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller |
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LifeIsGood
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| Posted: Thu Oct 30, 2008 8:09 pm Post subject: |
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It's just when ''we'' or people like us that are slimed or attacked for something we didn't do, didn't have anything to do with, nor would ever do, that pisses me off...when you are painted with this giant paint brush that you had no control over...it's the only bigotry that is still tolerated....(ie every one that works at allstate is a snake, all adjusters are crooks, all attorneys are scum you get the picture)...It's not any different than someone saying everyone with green eyes (mine are) is an idiot...would all the ''pc'' individual tolerate that? no way........
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Oct 30, 2008 8:20 pm Post subject: |
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Very true. But what can you do? People are going to do that. It's in their nature. It's easier to follow than to lead. It's easier to echo a popular opinion than to stand up and speak your own mind.
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Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller |
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LifeIsGood
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| Posted: Thu Oct 30, 2008 10:32 pm Post subject: |
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| Quote: | | I know some of the 40% (yes, with Allstate) and as I see their names on lists of "atta-boys" |
Want to know something that's really fun?? Walking into one of thier offices with a search warrant and ordering them to pick up their personal belongings and leave. Many times I've qualified as an Expert in finding the bad business and holding the bad agents accountable.
I not only carry a weapon on these "raids" but am usually accompanied by either law enforcement or DOI investigators. I've got some great video of a couple of these. Someday I'll put them on UTUBE.
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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 11:19 pm Post subject: |
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There was on agent who was "asked to leave the company" - Corporate security walked in one and said, "Goodbye. Pack your personal belongings now. We will watch you."
Karma.
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Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller |
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LifeIsGood
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| Posted: Fri Oct 31, 2008 1:28 am Post subject: |
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It's even better when they do that to an agents who's making around $400K in FYC. Hahaha, time to flip burgers you lying bastar.....
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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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Location: Central California
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| Posted: Fri Oct 31, 2008 11:39 am Post subject: |
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I'm so glad we are 'good boys and girls' and investigator isn't going to come for us!  However, how I would love, love love to be involved in the bust....mmmmmmmmmmm.mmmmm....sweet sweet karma...
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Oct 31, 2008 3:40 pm Post subject: |
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Lori, I've often said (and proven) that I can go to any town, in any state, at any time, and find insurance fraud. Present company acknowledged - all I claimed I'd ever have to do was open the phone book and look for an Allstate agency. Maybe we'll have to get together one of these times and I'll show you just how easy it really is.
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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: Fri Oct 31, 2008 4:58 pm Post subject: |
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I don't doubt it...I'd say without question that a good 25% of the claims I handle have 'some type' of fraud...now as to agents commiting fraud, I don't have a clue...I have been involved in busting a couple years ago but nothing other than a slap on the wrist and a forced e and o policy claim ever came from them.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Oct 31, 2008 6:04 pm Post subject: |
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Lori,
This was one of my better cases of "karma".
Press Release
Welcome to the California Department of Insurance's Media Relations webpage.
If you are a member of the public wishing information, please visit the Consumer Services Division homepage or call the Consumer Hotline.
FOR RELEASE:
December 6, 2000 (#115)
CALIFORNIA DEPARTMENT OF INSURANCE FILES ACCUSATION
WITH INTENT TO REVOKE LICENSE OF INSURANCE AGENT
SACRAMENTO – The California Department of Insurance (CDI) has filed an "Accusation" with the intent to revoke the license of a Fremont, California insurance agent. The Accusation will be heard before the Administrative Law Bureau.
Alan L. Cerf, 51, a subject included in a front-page expose by the
San Francisco Chronicle in September of 1998, began his career as an insurance agent in 1973. From 1979 to 1997, Cerf was employed as an insurance agent with five different insurance companies. With each new employer, Cerf would allegedly initiate a massive rollover of his clients from their existing policies to similar policies with his new employer. Despite the inherent cost to the policyholders associated with such rollovers, Cerf was able to draw on the trust he was given as a licensed insurance agent.
According to Investigators from CDI Criminal Investigations Branch, Cerf rolled over more than 700 policyholders. Conversely, some policyholders lost money through surrender fees and lost benefits, while Cerf made large commissions on the new policies. According to CDI Investigators, the commissions in some cases were equal to approximately 100% of the premium for the first year of coverage.
CDI Investigators found that in 1992 Cerf began the process of rolling over policyholders from Central Life Insurance to Pacific Mutual Insurance. The vast majority of these policyholders incurred large surrender fees and most of them received policies with lower benefits. In some of these "rollovers", victims incurred surrender fees between $6,000 and $8,000.
According to CDI Investigators, another damaging aspect of policy "rollovers" is the two-year contestability period clause contained in policies. These clauses allow for a death claim to be challenged within the first two years of a policy if the cause of death was related to an undisclosed medical condition which may have existed at the time the policy was written. People who begin to experience severe maladies are not only charged with a higher rate, but they face the possibility of having their claims denied if their death occurs within the first two years of the policy. Under no circumstances would a person with such a condition be advised to change from a permanent life policy to any other type of policy, especially if the new policies were at higher rates and lower benefits levels. However, in at least two cases reviewed, policyholders were afflicted with life threatening medical conditions, with one client declared uninsurable for a period of two years. During that two-year period, this particular client was unknowingly uninsured, and his premiums were being diverted to his wife's policy, without their knowledge.
CDI Investigators also discovered at least three cases in which policyholders received highly surcharged term policies, in which the premium would increase significantly after the initial period. In one case, a policy was surcharged at 200% and his premium was scheduled to escalate each year. The initial premium was set at $1,215 for the first year, but by the tenth year his premium would be $10,500 a year, for a policy with a benefit level of only $125,000. According to CDI Investigators, the victim was unaware of the policy structure because the policy delivered by Cerf did not contain the premium page. Upon close inspection of the policy, it was found that the policy had been disassembled and stapled back together minus the premium page. This same scheme was found in at least two other cases.
_________________
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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