Insurance agents with same company/same county - premiums
debo_2006
9 years ago
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Insurance premiums went up $200.00 month!
Comments (48)DH said the other day, "We'll pay for it in our taxes or we'll pay in the ER" which is true. I don't mind at all paying taxes to cover more american's health care costs...but I do mind paying taxes to fund thee deaths of thousands of our youth in wars we shouldn't be fighting. My biggest issue with this debacle is that it's not health care reform (call it that all you want but it's not!) It's just a screw around issue with insurance companies that obviously isn't working terribly well for most. I like parts of it, but the ability to hop prices up the day after the bill passed should have been addressed if our congress wouldn't have tried to rush this through. Goldie shouldn't have to "win"...it should have been a clear mandate to be enforced immediately. This staggered crap just means that when we have a new administration, and we will, it will be available for debate and for new laws to remove all that this bill might have done good. Health care reform though was desperately needed. At every hospital we visited we saw this need. Families that weren't devistated by costs so much as they were by lack of a good system of diagnosis. No standard of care from state to state, no central records keeping....transfering records from hospital to hospital is a nightmare! And that pile of lost paperwork (they forgot to include an early bloodwork result in our package and that carried over from hospital to hospital because we were copying the original package with the forgotten piece). that one little slip was the answer to our son's pain taken within the first month of his life, he suffered for three years because the other doctors didn't see that one piece. And this is not the first case of a medical clue gone astray. So many things aren't covered, so many issues of health care and drug costs that were swept under the table....terrible stuff. And as to the life expectancy issue.....life style does come into play there. I know that at all of the hospitals we went to for rare diseases, the beds were full of children from other countries. Most paid cash to get to America for the quality care of someone who actually specialized in their condition. At Johns Hopkins half or more (it varied) of the children in the program we were in were from other countries, including Canada, Japan, Quatar, Mexico, England and Germany. They paid cash to get in because it was the best program in the world. America is tops in many many areas of the medical world, but getting the kids or adults who need the special care to the specialist facility is an exercise in futility most often. My frustration shows :) I know that many know what real medical trials are....and I can easily say I'd probably view the insurance reform differently if I hadn't experienced what we did. But my experiences led me to see that this is all a silly joke without addressing the real issues that needed to be addressed....See MoreShopping for homeowners/auto insurance (agent or no?)
Comments (21)Having a local agent is very beneficial when it comes to processing claims either against you by another, or one of your own. I've turned down several offers because there was no local agent; Claims would have been processed remotely and the claims adjuster would have been an unknown under contract (at lowest cost) to the company. I would have been saddled with expediting the whole affair and making many phone calls and dealing with no answers and leaving messages on answering machines and hoping I was home when a call-back arrived. I was in the situation one time when a car rolled back out of a driveway and smashed my door. It was a simple, uncontested claim. However, the car was driven by a wife of a serviceman and he had insurnace through a company that catered to men in the military. There was no local agent. The uninjuried party merely gave me a phone number and company name and did nothing more. It fell upon me to make the phone calls and co-ordinate the process if I wanted them to pay for the repair. And then, there was always wheedling to pare down the repair award. They wanted me to run around and get 3 estimates and then mail in the paper work. I balked unless they were willing to pay me for taking time off from work. I told them that if I did not get satisifaction within 2 days, I would file a complaint with the police. A claim adjuster contacted me rightg away, but he wanted me to chase him all over town. I refused and told him when and where he could find the car. I needed to keep using for my job. He came to my driveway and inspected the damage. That was the first real person-to-person contact I had with that company. The repair was made. In my opion, its worth a few dollars more to have an agent in your corner....See MoreInsurance premium whine. DH's company pays 65% of premium
Comments (8)Ruthie, that's our premium. But if you had 6 children or 1, the premium would be the same for either family. DH doesn't make that much more than the others. Especially when they give a way his accounts occsasionally because one of the salemaen isn't any good and isn't making much money, so they take accounts away from other salemen and give them to him. LOL The salesmen are employees. Plus, the salesmen not only sell, but have to make deliveries too. So DH has to have a 3/4 ton pick up. The company used to supply those 16 years ago, but no longer. They also make a demand that the trucks be no older than 10 years old. They don't give the whole amount of mileage that the government allows and it doesn't pay for repairs, deisel, payments and insurance for the truck, which is higher because it is business. They don't think to include all of those costs. There isn't enough difference between the mileage allowed and mileage paid to claim on taxes. I'm just whining. I know we have it good, I AM glad to have insurance, I wouldn't be here if we didn't. I just felt like whining! lol We all have our moments! lol...See MoreCan we talk insurance companies (home/auto) again?
Comments (25)We have Farm Bureau for home and auto. Also have a life insurance policy with them (hubby) and have had both boats and rvs insured through them. We have had FB for probably 25-30 years. In this house we have had 3 roofs in 18 years. This one has been on a while (knock on wood!). For several years we had some bad spring storms with some serious hail. Both times FB was wonderful to work with. We didn't have to submit multiple estimates and the claim was paid quickly. Last year on a day I was working, I was coming back from lunch and a student and I collided. Police could not assign blame (I honestly think we were changing lanes at the same time) so each of us handled our own vehicle. They are great to work with on an auto claim. We had to use them once before for an auto claim and the one body shop in the area we would choose to use is set up with FB. All you do is take your car in. They handle everything, even a rental car if needed. My only complaint is we had a wonderful agent for years, and are not so fond of the younger agent who took on his clients (original agent retired). But it's a personality thing, I can't say he doesn't do his job. In both the roof claims and the recent car claim, our rates didn't go up. The home owners did eventually, with an explanation of so many claims, etc. due to storms in the area. It was not a major increase though. We do get discounts for having multiple policies, for having an alarm system, for having fire coverage, etc. I manage my grandmother's affairs and she has had Travelers for years. She also had a claim a few years back due to hail and they were good to deal with. However, they did the depreciating method, which I do understand. Her rates seem high compared to ours....See Moremaifleur01
9 years agoUser
9 years agoMDLN
9 years agolast modified: 9 years agoElmer J Fudd
9 years agogolfergirl29
8 years agoSaltiDawg
8 years agoElmer J Fudd
8 years agolast modified: 8 years agoSaltiDawg
8 years agolast modified: 8 years agoElmer J Fudd
8 years agolast modified: 8 years ago
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