Re: Insurance premiums

Posted by TomR Ont. on February 12, 2005 at 16:04:54 from (209.226.132.143):

In Reply to: Re: Insurance premiums posted by John A. on February 12, 2005 at 12:52:40:

HEADS THE INSURANCE CO. WINS - TAILS WE LOOSE.
The Insurance Companies hide behind the Agents, Brokers and the ADJUSTERS.
The Agent who rips you off for the highest premium, the broker only handles the Insurance companies that pay them the higher commission, the adjusters (must get a bonus on how much they save the Insurance Co.) I personally have never been treated fair by an adjuster i.e. my daughter had an accident with my car, took it to MY BODY SHOP and it was a write off, he wanted me to send it to his body shop for a second opinion (I did this years earlier and they just heated and hammered it straight & painted less than one year later I had a RUST BUCKET) For the write off he offered me $10,000, two months earlier I paid $17,000 brand new. Then there was water damage in the house and that adjuster brought his own contractor with him on the first visit, I told him I had my own guy, but he insisted we use his, I got a quote from my guy, the adjuster was mad and didn't want to cover the replacement value, The quality of tile I had cost $2.49 each he wanted to put down .79 tile. Well I got my way, I should say my wife got her way it was a tough fight on every issue. He wouldn't show us the other guy’s quote.
The wife does craft shows in the malls the insurance costs $1100.00 a year for one million, a little much, don't you think. Not much risk on someone hurting themselves on an OVEN MITT, to make matters worse she found out this year some of the malls want 2 MILLION.
The Insurance Companies can tell us to the penny how much they loose to fraud, WHY don't they tell us how much they rip us off for with all the tricks the use not to pay or to reduce it to zip.
I would like to know how much was not paid out for 9/11, the exclusion clause terrorist attack.

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