I am partial here obviously, but no question a good agent certainly adds value to your policy. That is why we strive to provide the best service we can at the best price we can find for our policyholders. Service after the sale is just as important in insurance as it is in a new tractor, car, truck, etc.
Speaking of insurance.....
- Thread starter yooper1
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I am partial here obviously, but no question a good agent certainly adds value to your policy. That is why we strive to provide the best service we can at the best price we can find for our policyholders. Service after the sale is just as important in insurance as it is in a new tractor, car, truck, etc.
MossRoad
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Why don't you self-insure yourself, then? Become your own insurance company? Our company is self insured. That would solve your dilemma instantly.
Dill
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Yes the whole AIG debacle really came back to less than 5% of the company. It was brought down by a small group of employees trading in mortgaged back securities which is something I doubt any of us understand.
Than AIG auto insurance was spun off and sold as 21st century/Bristol West insurance and I'm not even sure what they are calling it this week.
Than AIG auto insurance was spun off and sold as 21st century/Bristol West insurance and I'm not even sure what they are calling it this week.
clemsonfor
Super Member
I understand what your saying and all but there are ones who want to **** you and really dont want your business. I give all my business to USAA, why because they are there anytime i want to call they are close to the cheapest i can find, i found some quotes lower but try and call that closed down office at 6pm to find out what you need to do cause you just hit a deer and need to file a claim; do i have to have a police report or not, i really did not want to wait an hour for the HP to show up. And for $10/month i can have a company i trust and that gives me dividends each year and is nice to me on the phone. When trying to get insurance for my 2nd home on the farm every one from travellers, to farm buearau wanted 2-3x's a policy from USAA often times with less coverage. If your all selling apples why do some guys charge 3 times for their apples with blemishes on them, who is buying these apples from Travellers, state farm and farm bureau to keep them in business?? Maybe you are close to the rates i am paying but when i get a quote on my 2nd home for 20K less value on the structure at almost 3X the price it all but pisses me off and makes me think that in no way you want my business (when i "you" im not really referring to you Storm).
-Nate
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PA hayseed
Platinum Member
No, Santa Claus, the tooth fairy, and the easter bunny are myths, this has yet to be proven. Just because the industry you represent denies doing something, doesn't mean that they are not doing it.
Example of doubletalk and double speak.
Deer wars: science, tradition, and ... - Google Books
Note line where the state insurance guy says "his agency doesn't bother to track deer-vehicle collisions" But here is an article that shows that insurance carrriers do:
Insurance News - State Farm: Deer-Related Car Crashes Up 21%
Then you have the state game comission denying that numbers are accurate. Deer boost auto body repair work - AltoonaMirror.com - Altoona, PA | News, Sports, Jobs, Community Information - The Altoona Mirror
Having worked for the state of PA, I can tell you how one agency does something so that another bureau can deny they do it. You say myth, I see smoke. Obsfucation is what they do, and they are good at it.
According to the Insurance Institute for Highway Safety, there were 182 fatalities that resulted from animal-related collisions in 2009, down 13% from 2008. Institute spokesperson Russ Rader said those collisions don't specify the type of animal, but past research indicates that most of those fatalities are deer-related.
The average property damage cost of deer-related accidents was $3,103, up 1.7% from a year ago, according to State Farm.
Last year, the Insurance Information Institute placed the annual costs for deer-related collisions at $4.6 billion. That included $3.6 billion for vehicle-related damage and $1 billion for medical payments and out-of-pocket costs for vehicle owners.
4.6 billion isn't chump change, and would make people do something.
PA hayseed
Platinum Member
No, my dilemma isn't insurance, it is the government telling me I have to have it. I don't want to pay for something because the government mandates me to. It is as simple as that.
mandatory insurance in PA is not brand spanking new. Somehow, people still manage to get behind the wheel and drive. These same people have no regard for the crimes codes in general, and even less so for things like mandatory insurance. Since insurance is mandated by the government, when the insurance companies have to make payouts to someone when another motorist is at fault and uninsured it costs them money. How do they recoup their losses? I think they recoup them the same way every other business recoups their losses, by passing it on to their cusotmers. In my case, I have no choice but to buy insurance. I need it to have my license, which I am required to have for my job.
It goes further than this, and is part of the overall problem with our government. They just can't stay out of any facet of our lives. They believe they make the world better through regulation and beauracracy.
I'm not railing on you specifically, but I hate it when people try to tell me something is for my own good when I know it isn't. How did the people of PA manage to live without mandatory insurance for years?
I know people will think it's just me being salty, but compare the rates for mandatory insurance coverage in PA compared to the national average, then tell me who benefits most from mandatory insurance coverage. You will have to scroll down some to see this chart.
Pennsylvania Auto Insurance: Mandatory Auto Insurance Laws, Minimum Liability Coverage & More | Auto Insurance Tips
I did not see on any of the links you provided that insurance companies were lobbying for more deer havest. You still do not understand insurance and how it works with the state regulators. If a company is experiencing losses in one area, they ask for a rate increase and then back it up with statistical data. Thus all deer losses are under comprehensive coverage. So if they need a rate increase in comprehensive because of deer they get the rate increase. They do not lobby.
Actually the largest group that goes after the game commission for increasing the deer harvest are the very people this forum is centered around, that's right - FARMERS.
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Bird
Rest in Peace
Texas has the mandatory liability insurance requirement, too, but everything I've seen is estimates that 25% of the drivers on the roads in Texas do not have the required insurance. So, yep, lots of us do carry the uninsured/underinsured coverage for which we pay, in addition to the rest of our insurance.
amaxwell
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Texas has the mandatory liability insurance requirement, too, but everything I've seen is estimates that 25% of the drivers on the roads in Texas do not have the required insurance. So, yep, lots of us do carry the uninsured/underinsured coverage for which we pay, in addition to the rest of our insurance.
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Bird
Same for Tennessee!
amaxwell
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Bird
Same for Tennessee!
amaxwell
windy acers
Silver Member
I have been through all of the above headaches an found american family experenced with farm insurence at a great price.