Be careful what insurance company you choose!

I work in the insurance business, albeit in a fairly low level position. (I hope to be an adjuster by this time next year--I have to have an adjuster's license in my position, but I only work very simple claims like rear-end collisions) I'm not aware of any major problems with the company I work for--there have been problems in the past, but we make changes very quickly for the size of our company, and I'm not aware of any major problems currently. But I hear about the problems people have with certain other insurance companies all the time.

Allstate is awful. DO NOT get your insurance with Allstate. When Hurricane Katrina hit, they denied three times as many claims as anyone else. There was a major lawsuit about it. They have also been sued, quite justifiably it seems, for under-paying injury claims on auto insurance.

State Farm is pretty good when it comes to auto insurance. My understanding is that if your vehicle is totaled, they tend to pay higher amounts than other companies. companies. They are not always great when it comes to homeowners insurance, however. They were also sued for claim denials on Hurricane Katrina.

Liberty Mutual's auto insurance is also quite good. I've not heard any complaints about them, and I got hit by a drunk driver with Liberty Mutual not too long ago. (No one was hurt badly enough that they had to see a doctor, fortunately enough, though I was a bit sore for about a week and a half) They are professional, and have been handling my claim quickly and appropriately. But I can't speak to the homeowner side of their business.

A friend of mine was an property adjuster for Travelers Insurance. If nothing else, I know for a fact that they have very rigorous training for their adjusters. They are trained well enough that they'll be able to spot the damage to your home or auto, and shouldn't miss much.

Do your research, folks! If the insurance company you're considering has been sued in the last six or seven years, be wary!

Lies! I am kidding btw.

>> ^HadouKen24:

Be careful what insurance company you choose!
I work in the insurance business, albeit in a fairly low level position. (I hope to be an adjuster by this time next year--I have to have an adjuster's license in my position, but I only work very simple claims like rear-end collisions) I'm not aware of any major problems with the company I work for--there have been problems in the past, but we make changes very quickly for the size of our company, and I'm not aware of any major problems currently. But I hear about the problems people have with certain other insurance companies all the time.
Allstate is awful. DO NOT get your insurance with Allstate. When Hurricane Katrina hit, they denied three times as many claims as anyone else. There was a major lawsuit about it. They have also been sued, quite justifiably it seems, for under-paying injury claims on auto insurance.
State Farm is pretty good when it comes to auto insurance. My understanding is that if your vehicle is totaled, they tend to pay higher amounts than other companies. companies. They are not always great when it comes to homeowners insurance, however. They were also sued for claim denials on Hurricane Katrina.
Liberty Mutual's auto insurance is also quite good. I've not heard any complaints about them, and I got hit by a drunk driver with Liberty Mutual not too long ago. (No one was hurt badly enough that they had to see a doctor, fortunately enough, though I was a bit sore for about a week and a half) They are professional, and have been handling my claim quickly and appropriately. But I can't speak to the homeowner side of their business.
A friend of mine was an property adjuster for Travelers Insurance. If nothing else, I know for a fact that they have very rigorous training for their adjusters. They are trained well enough that they'll be able to spot the damage to your home or auto, and shouldn't miss much.
Do your research, folks! If the insurance company you're considering has been sued in the last six or seven years, be wary!

... "Can you repeat that...?" Really?

"Fair and reasonable" - rephrase that please!

"unfair and unreasonable" - yes, I agree

Proud graduate of the Dick Cheney school of deposition.

What the...






HELL!?!

They complain about Wallstreet greed---but isn't mainstreet evil too? (@NetRunner and @dystopianfuturetoday) The 99% must change first, me thinks... (P.s., I will still respond to the other thread--hopefully tonight. This comment was just a musing of mine.)

I don't think that guy is lying, i think he's just really distracted (high on drugs?)

Dont know. HAHAHA

>> ^Lawdeedaw:

They complain about Wallstreet greed---but isn't mainstreet evil too? (@NetRunner and @dystopianfuturetoday) The 99% must change first, me thinks... (P.s., I will still respond to the other thread--hopefully tonight. This comment was just a musing of mine.)


The 1% wrecked the entire world with their greed, economically and physically. The 1% have all the power. This guy ultimately works for one of them (because we all do), and is trying to make a living under a system of incentives that they created.

If he wants to eat, he needs money. If he needs money, he needs to work. If he wants to work, he has to do what someone else tells him to do. If he tries to just go get the food without first getting money, men with guns will come to toss him in jail. (You know, liberty freeberty)

In this case, they probably give him bonus incentives that are designed to marry his self-interest to the 1%'s objectives as profiteers. They probably pay out a bonus for keeping insurance payouts below a certain target, which pits his self-interest against his ethical duty to be fair and honest with home owners.

The fact that the net result of such a bonus is that it results in some less than ethical dealings that boost the company's bottom line is a feature, not a bug. Best of all, the 1% have plausible deniability if someone does get caught. After all, they didn't tell him to behave in an unethical manner.

So that's why the 1% needs to change first.

If you're open to some skepticism about liberty capitalism, then a more subtle observation I'd make is that there sure seem to be a ton of situations in our society where doing the wrong thing brings you a reward, but doing the right thing usually loses you money. Seems worth re-examining how we do things to see if maybe we can't make it just a little easier for people to do the right thing.

yeah somehow we've idly watched this go down. not everyone of course, but a very large percentage of the populace, whether through propaganda or socialization, is both complacent and stuck on warped ideas of status and achievement. We've idolized the rich, even though they mostly schemed their way to the top at the expense of everyone. But "consumerism" as a psychological movement has really supported these notions...and has really helped keep us self-focused and self-indulgent....and our focus on our own individual accumulation of goods, status, and wealth blinds us to what is happening all around us. we erect our own psychological barriers to higher awareness.

and there seems to be a vast difference between awareness and what we normally consider to be intelligence. what do you think?

Consumerism continually tells us how smart, special and awesome we are in order to sell us goods. They don't sell on the quality of the good. they sell to the emotional side of us. Like religion, they convince us that we're special, and entitled.

i think the problem with that is that when we buy into how smart, special, and awesome we are, our self-centered psyche then misses what is happening around us.
How smart are we when mass extinction is occurring on this planet, global warming threatens our very existence, and crooks are stealing our future from under our noses?
i think we need to get over ourselves
imho

>> ^Lawdeedaw:

They complain about Wallstreet greed---but isn't mainstreet evil too? (@NetRunner and @dystopianfuturetoday) The 99% must change first, me thinks... (P.s., I will still respond to the other thread--hopefully tonight. This comment was just a musing of mine.)