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Started By
Message
re: State Farm sets LA profit targets at more than double what it does in other states
Posted on 4/16/25 at 10:27 pm to DCtiger1
Posted on 4/16/25 at 10:27 pm to DCtiger1
quote:
I don’t sell anything bro, I own an agency. And so what?
You’re arguing with an attorney. You aren’t going to agree on anything
0
Posted on 4/16/25 at 10:35 pm to ExtraGravy
It’s the louisianastan shithole risk premium.
Posted on 4/17/25 at 8:08 am to boosiebadazz
I know it must piss you off to have gone to law school, work long hours and have an Insurance salesman make more than you do annually.
Posted on 4/17/25 at 8:13 am to cgrand
quote:
citing our higher hurricane risk
well…
Last time I checked profit equals payments minus claims. Wouldn't the hurricane claims be included in those profits
Posted on 4/17/25 at 8:28 am to DCtiger1
quote:
I know it must piss you off to have gone to law school, work long hours and have an Insurance salesman make more than you do annually.
Thought you didn’t sell? You must be pissed that you actually have to work and find people better rates. You used to sit on your arse and collect premium commissions.
Posted on 4/17/25 at 8:32 am to DCtiger1
Posted on 4/17/25 at 9:24 am to boosiebadazz
State Farm doesn't write flood insurance, so I don't see why they would be concerned with flooding risk for homes.
Posted on 4/17/25 at 9:31 am to ExtraGravy
Didn’t click the link but I got a text out of the blue from a local agents office yesterday with a quote attached (I’d shopped around last year so they had my info) and it was way more than double my current car insurance cost. They’re smoking crack up there.
Posted on 4/17/25 at 9:53 am to justinking042
quote:
State Farm doesn't write flood insurance,
An auto policy will cover flood which I believe was stated.
Louisiana needs to come up with some sort of "no fault" threshold for minor fender benders instead of an instant $20k frivolous injury settlement payment. Of course that is 80 to 90% of the pure ambulance chaser business comes from so it will be a tough sell in the legislature.
Posted on 4/17/25 at 9:57 am to Motorboat
quote:
Thought you didn’t sell? You must be pissed that you actually have to work and find people better rates. You used to sit on your arse and collect premium commissions.
I don’t sell, I have an entire team that does that for me. I don’t have to find people better rates, I represent one company.
Posted on 4/17/25 at 9:58 am to justinking042
[quote]State Farm doesn't write flood insurance, so I don't see why they would be concerned with flooding risk for homes.[/quote
See the 2005 hurricane season for your answer
See the 2005 hurricane season for your answer
Posted on 4/17/25 at 10:08 am to DCtiger1
quote:Why do we need agents? Seems your outfit is most of the cost. And when I have a claim the agent provides me the claim 800- number. Only time I hear from agent is when they’re trying to sell me some bullshite or “lemme quote your autos”
I don’t sell, I have an entire team that does that for me. I don’t have to find people better rates, I represent one company.
Posted on 4/17/25 at 10:25 am to White Bear
Sell you some bullshite huh? Like life insurance? 
you don’t need an agent, go with a direct company and you’re good to go. My commission is an extremely small percentage of premium.
Based on the conversations constantly going on here, yall need someone who actually knows how insurance works but sure pick your own coverages and then say insurance is a scam because it doesn’t pay out over your limits.
Doesn’t matter to me, plenty of people value having an agent.
you don’t need an agent, go with a direct company and you’re good to go. My commission is an extremely small percentage of premium. Based on the conversations constantly going on here, yall need someone who actually knows how insurance works but sure pick your own coverages and then say insurance is a scam because it doesn’t pay out over your limits.
Doesn’t matter to me, plenty of people value having an agent.
Posted on 4/17/25 at 10:38 am to ExtraGravy
that and Jeff landry's bitch arse isn't helping
Posted on 4/17/25 at 10:39 am to donRANDOMnumbers
quote:
that and Jeff landry's bitch arse isn't helping
another dumb arse governor bought and paid for.
Posted on 4/17/25 at 10:56 am to Chad504boy
Don’t you sell insurance, too?
You and DCdoucheTiger sure are getting defensive now that folks aren’t reflexively swallowing whatever LABI is selling them
You and DCdoucheTiger sure are getting defensive now that folks aren’t reflexively swallowing whatever LABI is selling them
Posted on 4/17/25 at 11:01 am to boosiebadazz
quote:
You and DCdoucheTiger sure are getting defensive now that folks aren’t reflexively swallowing whatever LABI is selling them
it ain't defensive. we just continue to dance to the same ole song. governor thinking we can big dog insurance companies and do things our way on our terms that aren't even here, won't be coming here and really rather get the frick outta here is not the solution to anything.
attorneys are way more biased in this matter than an insurance agent. i'm arguing trying to lower premiums and the ability to increase competition in the marketplace in the state when i make money off commissions. good luck explaining that like i'm a jerkoff for doing so.
Posted on 4/17/25 at 11:04 am to boosiebadazz
Oh no, boosiedumbass injury attorney got his wittle feelings hurt.
Posted on 4/17/25 at 11:07 am to Chad504boy
Tort reform has done good things in FL, rates have gone down about 10-15% on auto and have stayed flat on HO. Companies have entered the market and more competition is a good thing.
Dumbasses make it all about commission. If I have a 10 million dollar book I’m taking a 10% haircut from any rate decrease and I’m perfectly fine with that. I care more about competition in the market.
An injury attorney acting as if insurance agents are the ones with the most to lose is just peak irony.
Dumbasses make it all about commission. If I have a 10 million dollar book I’m taking a 10% haircut from any rate decrease and I’m perfectly fine with that. I care more about competition in the market.
An injury attorney acting as if insurance agents are the ones with the most to lose is just peak irony.
Posted on 4/17/25 at 11:40 am to DCtiger1
Answer me this: I’ve never had an at-fault nor have I needed my liability insurance in any way in 30+ years of driving. Why does the liability portion comprise 80% of the cost of my auto premium?
Agents in my experience don’t do shite after the sale (private ins not commercial), except attempt to sell me shite I don’t need. Maybe you’re different.
Agents in my experience don’t do shite after the sale (private ins not commercial), except attempt to sell me shite I don’t need. Maybe you’re different.
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