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Posted on 8/17/16 at 1:16 pm to DCtiger1
quote:
insurance companies missions at their core is to help people recover as best as possible
You believe that?
I've got some land on the moon to sell you.
This post was edited on 8/17/16 at 1:16 pm
Posted on 8/17/16 at 1:17 pm to Chad504boy
Underwriters write the policies.
Adjusters examine those polices and the claim and abide by the laws, regulations, policy, etc.
Agents sell.
Agents are the used car salesman and the adjusters/underwriters are the mechanics. Which should know the inner workings of the car better?
Homeowners policies are usually pretty standard and sometimes agents know them better than say workers comp, but the adjuster is the end of the line. Agent can spout off whatever they want, but that doesnt make it true.
Adjusters examine those polices and the claim and abide by the laws, regulations, policy, etc.
Agents sell.
Agents are the used car salesman and the adjusters/underwriters are the mechanics. Which should know the inner workings of the car better?
Homeowners policies are usually pretty standard and sometimes agents know them better than say workers comp, but the adjuster is the end of the line. Agent can spout off whatever they want, but that doesnt make it true.
This post was edited on 8/17/16 at 1:20 pm
Posted on 8/17/16 at 1:18 pm to uway
quote:
But why are insurance companies necessary?
They allow people, or businesses, to pool risk and enable affordable coverage. You couldn't afford to set aside enough money to replace your house or business. Thus, insurance.
Posted on 8/17/16 at 1:19 pm to Canard Noir
The point being there will be difficulties working to "get whole" again. Don't kid yourself and think it'll be easy. That's naive as shite or you are in insurance.
Posted on 8/17/16 at 1:19 pm to More beer please
quote:
Underwriters write the policies.
There are many forms of underwriters and lots of them are just quoters off of their systems and don't always understand their own policy conditions and exclusions.
quote:
Adjusters examine those polices and the claim and abide by the laws, regulations, policy, etc.
yeah, that's their job description, doesn't mean they do any of the above correctly.
quote:
Agents are the used car salesman and the adjusters/underwriters are the mechanics. Which should know the inner workings of the car better?
doesn't matter, consumer chooses the cheapest option regardless.
Posted on 8/17/16 at 1:20 pm to LSUballs
It shouldn't be dicey. Insurance adjusters are usually liberal as shite when it comes to flood insurance, as it is paid out by the govt. It isn't the same at all as the State Farm situation and wind damage during Katrina
Posted on 8/17/16 at 1:20 pm to Smalls
quote:
A lady who supposedly worked for an insurance agent.
A frickin CSR? Those ladies don't know anything. If they tell you the sky is blue, you should doubt it.
Posted on 8/17/16 at 1:20 pm to Breesus
That is their mission. Whether or not that is achieved each and every time is obviously a different story.
Posted on 8/17/16 at 1:21 pm to More beer please
quote:
but the adjuster is the end of the line.
no not really.
Posted on 8/17/16 at 1:21 pm to Chad504boy
quote:
doesn't matter, consumer chooses the cheapest option regardless.
Cheapest option doesnt matter. When a claim is submitted it isnt the agent that handles it. The adjuster is the one making the decision. Point being is that it doesnt matter what the agent says regarding the claim.
Posted on 8/17/16 at 1:22 pm to Chad504boy
quote:
no not really.
humor me
Posted on 8/17/16 at 1:22 pm to Cooter Davenport
quote:
A frickin CSR? Those ladies don't know anything. If they tell you the sky is blue, you should doubt it.
This is true.
However, we all know there are people who post here that are in the industry. Hence, this thread.
Posted on 8/17/16 at 1:23 pm to Breesus
quote:
I've got some land on the moon to sell you.
is it in a flood zone?
Posted on 8/17/16 at 1:23 pm to DCtiger1
quote:
insurance companies missions at their core is to help people recover as best as possible
This is nowhere near the truth.
Posted on 8/17/16 at 1:23 pm to More beer please
quote:
Point being is that it doesnt matter what the agent says regarding the claim.
its not our job to. but adjusters are not the end all be all neither. it goes back to company decisions and circumstantial situations that agents do have dialogue with companies about certain things.
Posted on 8/17/16 at 1:24 pm to Topwater Trout
quote:
is it in a flood zone?
Posted on 8/17/16 at 1:24 pm to Topwater Trout
quote:
is it in a flood zone?
All the best spots are near the Sea of Tranquility.
Posted on 8/17/16 at 1:25 pm to DCtiger1
quote:
There are bad situations in all industries, but please let's ignore the millions of instances that insurance companies have made their customers whole after a loss or a death.
You want us to applaud insurance companies for sometimes doing what they have been paid for and are contractually obligated to do? Lulz
Posted on 8/17/16 at 1:25 pm to member12
beachfront property is the best
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