How good is Safeco for independent agents?

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PostPosted: Tue Mar 04, 2008 2:39 pm   Post subject: How good is Safeco for independent agents?  

Does anyone have any experience working with Safeco? What were the pros and cons? I'd love to hear your thoughts. I'm most interested in how they treat their independent agents, but I'd appreciate anything you can add.



Thanks!

Leonard


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PostPosted: Wed Mar 05, 2008 4:59 am   Post subject:   

I think that you'd love to hear the story form the horses mouth anyone else can only give you only a vague idea. Better if you try it out with someone who is already associated with this particular company. I'm sure you'll come across people who'll say Safeco is good and will definitely find people, who'll comment 'it is bad'. No wonder if you discover another bunch with diplomatic view. Just hang around to see if you get any better response. Good luck!

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PostPosted: Wed Mar 05, 2008 7:39 am   Post subject:   

Hey you can check out with their website.



safeco.com/safeco/for_agents/default.asp


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PostPosted: Wed Mar 05, 2008 8:35 am   Post subject:   

What I've heard about Safeco that they run their business through their network of independent agents and is associated with around 20,000 such insurance professional. For more intrigue information you have to consult an insider. See ya! Cool


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PostPosted: Thu Mar 06, 2008 2:19 am   Post subject: The truth of the matter in my opinion  

Safeco, Statefarm, Allstate, American Family, Geico, Progressive, Allied, Nationwide, and any other insurer you can list are all cut from the same cookie cutter. They all pretty much have to offer the same coverages based on what the department of insurance requires. They really do not care if you have been insured by them for 15 years and never filed a claim. They insure risk, and they look at you and assess what the risk is to insure you. If you pay for an accident forgiveness policy, you are probably paying higher premiums to cover their risk of having to forgive you once. They have convinced people to take 500 and 1000 dollar deductibles and encourage you to settle small claims on your own. What a deal, we'll sell you a policy, we hope you'll never use, give you a high deductible and penalize you when you use it if you choose to.



If you have a claim, it's going to be the luck of the draw, as to whether you have a good experience or terrible experience. Insurance companies are all in the business to make money. They are not the fuzzy, warm, make you feel good people they purport to be in their commercials. If you have an accident, they are going to use your policy to indemnify or pay your claim based on their investigation and what they believe they owe you. Educate yourself. Do you trust your insurer to pick your personal doctor on your health policy? Research a shop that you might potentially want to use in the event you need to have repairs made. Find one that realizes that you are their customer and not the insurance company. Ask if they have an agreement with your insurer and if they are limited in any way of advising you on your claim and who their true customer is. Do your own research on who you feel most comfortable with when it comes to vehicle repairs before you need them.



The appraisers that you speak with or the adjuster that handles your claim is not a reflection of the entire company. They are trained to settle your claim based on the least cost to the company and on their terms. Adjusters are often rewarded for getting you to accept less than you feel the claim is worth. Their idea of negotiating a settlement is "Here is what we feel we owe, take it or leave it." If you don't agree, sue us or invoke your appraisal clause. In my opinion they are not interested in how vehicle owners feel about how they were treated.



You, as the policy holder, are expected to know everything in your policy and how it affects your claim. You need to study your policy, which is a contract, to see what it promises you in the event you have to make a claim. If you chose a company that doesn't use agents and sells their policies over the internet or through a broker, don't expect much help if you do not understand what is owed to you. Agents use to be able to help you with what you do not understand, but they have been neutered to the point where they just sell policies and give you an 800 number if you have a claim. Don't wait until an accident or claim to decide if you picked the right company.



If you really don't want to become involved with your claim, and if you have to use your coverage, just use a company that takes care of you and handles it. (Consumer beware). If you expect to be fully indemnified , read your policy, if they actually give you one, and ask questions and be prepared to exasperated. You'll be lucky to talk to a human east of the atlantic shore that really cares about helping you.



J.D. Powers and associates says that if you let your insurer handle all your claims issues, you most likely will be disappointed in your expectations.



The best advice I could give you is to ask your friends, people you work with, people you go to church with, people you trust; who will take care of you? Do not take advice from the very people who owe you money.



If everyone shopped their policy around annually, they would be trying to treat you nicer to keep your business. Don't feel you owe them your business, they work for you!



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PostPosted: Wed Mar 19, 2008 6:55 pm   Post subject: Safeco  

We used to use Safeco for P&C. They burned us so many times I'll never forget them.

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PostPosted: Thu Mar 20, 2008 1:49 am   Post subject: insurance  

I was in an accident, back in November. My insurance company ( not sure if I can say the name, but, it IS one that is mentioned above..) was very helpful with my claim and took me through it 'step by step.' Had a good experience with them.

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PostPosted: Thu Mar 20, 2008 11:22 am   Post subject:   

sdchargersfan, yes you can mention the name of the company...



It appears Leonard is looking to either becoming an independent or is an independent that is considering selling for safeco...Leonard I have no knowledge about that and would suggest you talk with some agents that do sell safeco I'm sure they would be more than willing to share their experiences both good and bad...Hopefully some agents that contribute here also sell for them and will respond...







Alright Mike, In my opinion you have just crossed a HUGE line...I've not had any problem with our differences of opinions, but you had better have something to back this statement up!

Quote:
Adjusters are often rewarded for getting you to accept less than you feel the claim is worth
That's illegal...and I'd like you to show me (remember we are from the 'show me' state), that! Give me oh.......three examples, (bet you can't find ONE!)...since it happens ''often'' shouldn't be any trouble...Mike I cannot tell you how angry and upset I am at that comment! As a man of integrity I insist that you back that up, with FACT or remove it from your post.....I just can't believe you said that!!!!!!!!!!!!!


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PostPosted: Thu Mar 20, 2008 9:26 pm   Post subject: I wrote that before I became so darned cute I suppose.  

I wrote that almost two weeks ago. But I stand by the premise as it falls under negotiating tactics or skills.



If a person is owed something under a policy and there are no exclusions or exemptions in a policy saying there is a 350 dollar threshold on materials, and a shop has invoices with reasonable markup for 650.00 and the appraiser/ adjuster tells the shop and the vehicle owner "we don't pay above the threshold, or we don't pay for that" (that could be numerous things) and the vehicle owner subsequently pays out of pocket above their deductible, then in my non legal opinion, they have been defrauded of rights under their policy. Just because there is one shop that will accept a cap or will perform certain operations for no charge to the insurer and they are not the shop that performed the repairs, then I believe the vehicle owner is being denied indemnification.



I have spoken to many appraisers for multiple companies that infom me that they routinely recieve bonuses for getting shops not to submit supplements and for getting settlements based on their estimates even if they are incomplete.



I also have somewhere in my possession copies of pages in insurance training manuals of many insurance company estimating guidelines and adjuster negotiating techniques stating things such as never speak to a claimant when they call; always be the party that makes the call when you are most prepared to negotiate. Other tactics are sending a check to an obstinate vehicle owner or claimant with an artificial deadline imposed. Never happens?



I don't know which company you work, for but judging by your responses, you obviously do not operate like this but their are slugs that do.

You also have to know that there are disgruntled insurance employees that share these documents and training guides with people not in the insurance business. I personally have seen many of these documents and guides and have had them in my possession at times.



I have generally always been able to help total loss customers acquire addtional funds on claims that they would not have without my assistance, sometimes for as much as 15 percent more. Now if that claims person had not been called on their failure to offer a fair settlement without me showing the vehicle owner where they may be owed additional sums, then one might come to the conclusion that it could be intentional.



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PostPosted: Thu Mar 20, 2008 10:15 pm   Post subject:   

Quote:
But I stand by the premise as it falls under negotiating tactics or skills
.

THAT IS NOT WHAT YOU SAID!!!!!! YOU SAID , (and I quote...duh)
Quote:
Adjusters are often rewarded for getting you to accept less than you feel the claim is worth.




HOW EXACTLY are these Adjusters '''rewarded''' (monetarily is of course the inference, what else could it be?)...for '''getting''' some poor ins/clmt to accept less that their claim is worth? HOW HOW HOW...AND WHO? That is illegal Mike, and I'm just appauled that you have it in you to make a comment like that!!! And think we are due an explaination....who is rewarded? and for what? how do you measure that? This is truly reaching the bottom of the barrell to make a comment like that!
Quote:
I have spoken to many appraisers for multiple companies that infom me that they routinely recieve bonuses for getting shops not to submit supplements and for getting settlements based on their estimates even if they are incomplete.
I'm sorry Mike, but that is an out and out bald faced lie! PERIOD.......Name three companies who's adjusters have told you this, and I will personally contact them myself and ask them myself!!!! who know's maybe I work for one of them!!!....Further more I cannot believe an adjuster would even say such a thing!!!!
Quote:
I also have somewhere in my possession copies of pages in insurance training manuals of many insurance company estimating guidelines
POST 'EM THEN!!!!! Because I don't believe they exist (in the manner you are saying)......
Quote:
never speak to a claimant when they call
WHAT? That's crazy... How you gonna' settle the claim then?
Quote:
Other tactics are sending a check to an obstinate vehicle owner or claimant with an artificial deadline imposed. Never happens
Deadline for what? Closing the claim? There is a deadline Mike, it's called a 'statute of limitations'
Quote:
I don't know which company you work, for but judging by your responses, you obviously do not operate like this but their are slugs that do.
It wouldn't matter which company I work for but it is one on your ''hate'' list....I know there are slugs out there, but I can tell you there ain't one that pays bonus' for screwing over ANYONE!!! and am certain you can't prove it..you could though prove (or I could) shop's offering kick-backs and payola to adjusters to get cars to them!!!!!!!!
Quote:
You also have to know that there are disgruntled insurance employees that share these documents and training guides with people not in the insurance business. I personally have seen many of these documents and guides and have had them in my possession at times.
Of course there are, I'm disgruntled myself at times...and frankly wouldn't have any trouble showing any training material, because it is nothing like you are trying to lead people to believe at all!!!!!! As a matter of fact I just had to 'endure' eight hours of customer service training! Not a word about claims costs, nothing all about making the customer happy...now don't that just sound like an industry that is handing out bonuses for jippin' folks!!!!!!!
Quote:
I have generally always been able to help total loss customers acquire addtional funds on claims that they would not have without my assistance, sometimes for as much as 15 percent more. Now if that claims person had not been called on their failure to offer a fair settlement without me showing the vehicle owner where they may be owed additional sums, then one might come to the conclusion that it could be intentional.
That's great Mike, I've corrected adjusters myself when they have overlooked something or an owner says, 'hey wait a minute'...I assure you it has never been intentional on the adjusters part that I have had contact with ...That isn't my point and you know it....I'm upset and frankly angry and very very disappointed in you stating adjusters are 'rewarded' for screwing people over...that is a lie plan and simple.....



We can't even take so much as an ink pen from a shop now...used to get all kinds of jugs of booze, flowers, food, ball tickets etc...(in the good old days) from shops and suppliers (never ever affected the way I handled a claim, however can't say the same is true of all adjusters)....but that was the body shops attempting to buy or 'reward' the adjuster, not a company doing that for blatently under cutting a claim's value....Integrity is so high on the list in this industry now, that I can actually be fired for accepting a piece of pizza from a shop unless it's out in the main lobby for anyone that walks in the door to have !!! Now you think an industry that is so freakin' paranoid about integrity would actually give their adjusters a 'reward' or bonus for shorting a claim? This is by far the most obnoxious, out of line, mean, cruel, uninformed, vicious, bottom of the barrell made up thing you have said so far....



Quote:
I wrote that before I became so darned cute I suppose
damn skippy.......



I ASK YOU FOR THE LAST TIME.....PROVE, THE STATEMENT YOU MADE,
Quote:
Adjusters are often rewarded for getting you to accept less than you feel the claim is worth.
, OR KINDLY RETRACT IT......


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PostPosted: Thu Mar 20, 2008 10:26 pm   Post subject:   

Quote:
But I stand by the premise
Now it's a ''premise'' you have stated it as FACT !!!!!!


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PostPosted: Fri Mar 21, 2008 3:05 am   Post subject: Sorry for the bee I put in your Easter Bonnet  

Code:
It wouldn't matter which company I work for but it is one on your ''hate'' list....I know there are slugs out there, but I can tell you there ain't one that pays bonus' for screwing over ANYONE!!! and am certain you can't prove it..you could though prove (or I could) shop's offering kick-backs and payola to adjusters to get cars to them!!!!!!!!




Hate is such a dirty word let's just say some companies I dispise their steering and claims handling practices.



In Illinois Mr Groebner pocketed some pretty hefty personal income for leaning on at least three shops for payola to keep them on the preferred shop programs. Let's just say they are all dirty. The crime he was busted for was income tax evasion. He has to pay the money back and stay in his room til he learns to play nice.



In the gulf, at least one company had a policy of shopping around for engineering reports that would come to a conclusion the insurer favored so claims could be denied. Two women that were subcontractors for the company took those documents and blew the whistle.



Oklahoma tornadoes a couple years back, same insurance company and the same engineering firm. Coincidence?



Northridge fires in California,,,



When pigs fly in Colorado,,,,



Put on the boxing gloves when claimants get demanding was pretty heavily documented.



Yellow sheeting,,, a term used to describe how one insurer had paper work in yellow to designate a code that this was a claim that could be bullied or denied.



Let's recently there was Gil Palmer and autoclub of California



Code:
Gil Palmer, a senior manager of Auto Club of Southern California and the principal in charge of their IRP, direct referral program was terminated following an investigation that could reach dozens or more shops in Southern California.  Potentially implicated in the ongoing investigation are numerous shop owners, some with high profiles and numerous locations that dominate the southern California marketplace.  Rumors allege that Palmer took payoffs in the form of consulting agreements through a sideline business he created.  The rumors also suggest he received gifts in the form of cash, paint jobs on hot rod cars (you might see it on-line!), leather jackets, Rolex watches, lavish vacation accommodations, and much more.  While official sources at Auto Club remain silent, the investigation continues today.  Charges and lawsuits are pending and are expected to be filed within days and weeks. 






These were all cases or incidences of management using tactics to under pay or deny claims or to collect payola. It does exist today, and you can deny if you like.



Sounds like things are a little muddy everywhere. It may not be as bad as it was at the shop level when appraisers were recipients of fishing trips, free work, help with roofing their house, etc such as it was back in the 70's and 80's, but I am sure there are still pockets of this activity going on.



I would call a reward getting to keep your job or getting promoted for using tactics which may contribute to settlements being taken for less than their value. A reward could even result in a merit pay.



Are there companies that grade their appraiser on performance

Am I a bald face liar, I think not. I stand by my comments.


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PostPosted: Fri Mar 21, 2008 3:49 am   Post subject: Key performance indicators  

Lori and Mr. of the Ozarks, my brother is an adjuster for Allstate. His anual pay raise is directly affected by the percentages of alternate parts written. There is more but I don't want to steal your thread. Go to job vent.com, read the progressive stories.


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PostPosted: Fri Mar 21, 2008 10:16 am   Post subject:   

Mike you still did not prove your point.....You posted quips about dirty adjusters and shops...not about company's 'rewarding' or giving 'bonuses' to adjusters for under valueing claims! Which is what you said they did....



This is reaching...

Quote:
I would call a reward getting to keep your job
Are you freakin' kiddin' me? In that case, Mike you are 'rewarded' for OVER CHARGING people for the work you do on their cars....
Quote:
A reward could even result in a merit pay
Oh brother!!!!!!!
Quote:
Are there companies that grade their appraiser on performance
Well of course how do your rate your employee? That's just dumb...EVERYONE is rated on preformance...AGAIN, you showed not one single thing to prove that....
Quote:
Adjusters are often rewarded for getting you to accept less than you feel the claim is worth
Kind of a theme with you huh Mike? Once again, you've made outlandish statements without ANY facts to back them up..... Rolling Eyes You should be ashamed....You tout that all you want to do is educate the consumer, when in fact you do the polar opposite.....spousing opinion, and made up statements as fact!



Man, was I wrong, I thought you were a man of character and integrity...I'm done.



Iknownothing, you are correct some carriers have measures such as alternative parts percentages as part of their yearly goals...In fact a company I worked for from 86-96 did....now the company I work for now and have for seven years has never had that in the yearly goals...as a matter of fact I just got my new ones for 08 and over fifty percent of it relates to customer satisfaction.....
Quote:
Go to job vent.com, read the progressive stories.
Been there and read them....course it's not a site set up to tell good stories about any employer... Rolling Eyes


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PostPosted: Fri Mar 21, 2008 3:24 pm   Post subject: It is all about greed  

Greed breeds mistrust, malfeasance, corruption, collusion, conspiracy to commit fraud with partners in the collision side. Drp relationships are nothing more than veiled agreements designed to repair vehicles cheap and fast, both of which deny policy holders and claimants of what is due them. This example is another where the insurer settles claims paying based on what they feel they owe rather than using the guides accurately.



All of the cases I presented were examples of greed either by the company, their appraisers or adjusters and regional claims managers to commit fraud to keep money in the insurance coffers or their collective pockets. Of course, it takes a weak shop owner to help and abet the corrupt insurance employee. Takes two to tangle. Is there corruption in the collision side of the equation? You bet! As soon as the insurance industry continues to thin the herd of providers and those shops that did not learn to market themselves and learn who the customer really is, then maybe some of those shops will cease to exist as well.



I have never overcharged for repairs; If anything, I and others are underpaid by companies like yours that come up with notions of blend within all designed to keep more money in the insurance hands and out of the consumers. Just today, I am completing a job where the insurer overpaid by 1200 dollars on one of their insured's vehicles. Will I keep the money, hardly! Because of their ineptness or inability to hire an appraiser than can actually write an accurate estimate, they were giving money away. My invoice will be for only those repairs and procedures we peform and agree to with the vehicle owner and the overpayment goes back to the vehicle owner to return to their provider since I am not party to the contract of insurance, but I am contracted with the vehicle owner.



This whole thread kind of reminds me of one regressive adjuster I encountered a few years ago. When I wouldn't bend over and grab my ankles for him to abuse me or my customer, He barked I ain't got time to F&#K with you. I wonder what negotiating or training class he learned that in. He was shown the exit and told to get in his little white vehicle and go back to the mother ship and do not ever darken this shop's doorway again. And to think I almost got a clean break from the forum without being a bald faced liar, a thief, a man with no integrity. Oh well.



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