by Guest » Fri Sep 14, 2007 01:13 pm
Although, I have been at this job a long long time, there is still not a month that goes by that someone doesn't make a comment like, 'I know you're paid to save the company money, or It's your job to pay the least amount possible, (right out say), You're paid to screw us over I understand that'. When in fact that is not true, I am paid (among many things) to put the injured/damaged person back into the same position they were in prior to the loss, or to make them 'whole' again. My pay has zero effect on the dollar amount I pay, nor have I ever screwed anyone, or been asked to by an employer. Should I return them to pre-accident condition in the most economical way possible? Of course. But I grocery shop the same way, (most economical).
Of course I immediately ''correct' them, and agree there are good and bad in all professions, but I don't automatically (nor does anyone else I'm sure), assume all Priests are bad, due to the horrific actions of a few.
In a world that has gone absolutely "PC" crazy I am amazed at the number of folks that 'normally' are very PC, not having any trouble intimating, that an insurance adjuster is synonymous to shysters, crooks, paid hatchet men etc. When these same people wouldn't think of ever drawing a conclusion, much less vocalizing it to the person directly.
I'm asking, two things as an industry what can we do to change this stereotype? And on a personal level, (because I do take it personally, I live life by the 'golden rule' and having my character attacked, questioned or challenged is very upsetting to me), how do you handle the stress and upset of this?
Thanks, looking for some thoughts/feedback, or things that have helped others.......
lori
Of course I immediately ''correct' them, and agree there are good and bad in all professions, but I don't automatically (nor does anyone else I'm sure), assume all Priests are bad, due to the horrific actions of a few.
In a world that has gone absolutely "PC" crazy I am amazed at the number of folks that 'normally' are very PC, not having any trouble intimating, that an insurance adjuster is synonymous to shysters, crooks, paid hatchet men etc. When these same people wouldn't think of ever drawing a conclusion, much less vocalizing it to the person directly.
I'm asking, two things as an industry what can we do to change this stereotype? And on a personal level, (because I do take it personally, I live life by the 'golden rule' and having my character attacked, questioned or challenged is very upsetting to me), how do you handle the stress and upset of this?
Thanks, looking for some thoughts/feedback, or things that have helped others.......
lori
Posted: Sun Nov 01, 2009 07:41 am Post Subject: bad rap
has anyone looked at the insurers profits this year? HUGE and the actor tv slot? bottom line..........the insurers are not paying claims..P+C
Posted: Sun Nov 01, 2009 03:14 pm Post Subject:
the insurers are not paying claims..P+C
WHAT? Where did you come up with this? I'd like to see that data..I pay claims all day long..and the actor tv slot?
What does this mean?Posted: Sun Nov 01, 2009 03:58 pm Post Subject:
has anyone looked at the insurers profits this year?
Yeah, PLEASE share where you saw this!P & C carriers usually run around a 100% combined loss ratio. This means that their claims losses and operating expenses are 100% of the premiums they take in. Where carriers make their money is investing earned premiums. Anyone want to know what the investment market has been like these past few years?
As far as health insurance (we were talking about P & C but most of the "news" people hear and see if actually criticizing health carriers), take a look at the following URL:
http://tinyurl.com/ykl5h4w
It states that health carriers are making about 6% profit. not exactly those huge profits the news is reporting. Of course right now it's the "in" thing to hate health insurance companies (how else is Obama going to gain support).
Posted: Sun Nov 01, 2009 04:31 pm Post Subject:
racerx --- come on dude....share the info...where did you get this? :roll:
Posted: Mon Nov 16, 2009 08:41 pm Post Subject: screw ee claim adjusters.
when your claim adjuster is not helpfull.screw em and just take it the next level and then and only then they will they change there practices.there are alot of hungry attorneys out there.when you respect yourself demand respect or take it to the next level.
Posted: Mon Nov 16, 2009 11:49 pm Post Subject:
I guess you'd have to define "helpful" and I don't know any attorney's that would take on a lawsuit for "failure to be helpful". :? I totally with your statement regarding elevating your questions, if you cannot get satisfactory assistance from the one you are dealing with regardless of the industry.
Posted: Tue Nov 17, 2009 06:25 am Post Subject:
Ah...Lori, you're probably the right person to tell us whether complaints about an adjuster would push a carrier to get things checked by an investigator!!
Personally, I'd hire an attorney when I've real grounds and the worth of the claim is big. I'd always keep the attorney's fees in mind.
Posted: Tue Nov 17, 2009 12:17 pm Post Subject:
the right person to tell us whether complaints about an adjuster would push a carrier to get things checked by an investigator!!
I don't know what you mean by investigator. But in all industrys and jobs, there are good ones (most) and rotten, lazy ones (rare)..If someone truely isn't doing their job (not to be confused with not giving the party the answers they 'want') then their supervisor should be contacting and assistance requested from them. Adjusters are no different than any other profession. If an adjuster is lazy and not returning calls (as an example)..if their supervisor is advised, then the adjuster would be talked to by their supervisor and told to "get on the ball, get their work done, and start by calling back this person! " :wink: What you have to understand is many times people complaing about their adjuster, are really complaining about not getting the answers they want...ie wanting 10k for a 2k vehicle :wink:Posted: Thu Nov 19, 2009 09:29 pm Post Subject:
on topic - all industries have stereotypes, some with good reason.
Most insurance related professionals I've found fit the stereotype pretty well i have to say - with some notable exceptions, one of which is the forums very own Lori!
I mean come on - check out that photo on the Ask Community Experts box on the right hand side! Who wouldn't want to deal with her? Looks great, big smile - If we all looked like her Insurance would be a much more popular industry! that really is a good photo.
Posted: Fri Nov 20, 2009 07:07 am Post Subject:
The insurance industry and their employees are never going to be popular.
First, most people have to pay for insurance (Auto, Home) and have no choice in doing so.
Second, insurance payments are made and nothing is received in return that the insured can hold that feels warm and fuzzy.
Third, everyone thinks insurance is too expensive (until they use it and find out on a big claim (auto, home, medical) that they have not paid as much in premiums that the company just paid for them).
Fourth, when someone has to use their insurance it is usually for a bad event in their life. It's more of an association thing then anything.
Fifth, the people that make the most money in the industry do the least amount of work (upper management, agents), but the adjusters and the like are the people that show up at the insured's door when they have a loss. They are also the ones that get yelled at and are the ones that are clawing to get by.
Sixth, claims usually go smoothly and nothing is ever reported on these. Something goes wrong and the media, courts, forums are all over it.
Seventh, just look at the current debate. Health care reform turns into health insurance reform....wonder why?
Also, 1 question not to be taken the wrong way.
I mean come on - check out that photo on the Ask Community Experts box on the right hand side! Who wouldn't want to deal with her? Looks great, big smile - If we all looked like her Insurance would be a much more popular industry! that really is a good photo.
Is this a compliment or a little creepy?
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