Re: [FWDLK] Car insurance new thread

[Tom Stroup <tstroup@xxxxxxxx>]

Title: Re: [FWDLK] Car insurance new thread

Good explanation.

 

My current agent gave me no attention, screwed up my wishes two times, and

failed to get the coverage on my 69 Formula S set up the way I wanted. I have

a lot of vehicles. I called the office and dealt with the agent's husband who is

her, I don't know what.. assistant office boy ?  I cancelled five vehicle's coverage

and in doing so explained to him that that was money he could have been getting,

but he was not because I was Pi%%ed with their poor service. He said  "OK" and

changed the policies. No other reply... no nothing.

 

I visited her office and explained that I didn't just fall off the turnip truck and I had

a pretty good idea what I wanted, and what a good agent could do.  No change.

 

I tracked down the woman who previously worked for my good agent "John".

I am switching my coverage to her office and new agent. State Farm closed

John's office and gave half the business to an existing agent and half to a new agent.

I live thirty miles away, so they transferred me to my closest agent. I sent in a

request to change to the new agent, 33 miles away.

 

State Farm notifies the current doofus.

The current agent, and pain, is now offering to take me to lunch, communicate better,

and take care of my policies.  Her husband is still a dud.  Her staff has changed

three times in the last year. They are pushing to sell me insurance and investments.

I laugh and tell her I wouldn't trust her with my car insurance, why would I let her

have any more of my business ?  They don't get it.  She said the old agent called me

and asked me to come back.  He didn't. He is dead.  I want to go back.

 

She thought she would tell stupid old me what I should do.

I have to do an exit interview and explain it to her, again.

For my $8000 a year business, I deserve better.

 

I was told by another agent that her office is being closely watched by State Farm.

She has no lee-way.  That doesn't account for bad communication skills.

 

I'm being resisted by State Farm, but soon I will win.

The right agent is everything. In this case, the agent is new, but her in-office staff

is my old crew from John's old office.  We know each other.

 

Tom S

southern Ohio

---

From: Forward Look Mopar Discussion List on behalf of eastern sierra Adj Services
Sent: Wed 6/27/2007 11:56 PM
To: L-FORWARDLOOK@xxxxxxxxxxxxx
Subject: Re: [FWDLK] Car insurance new thread

Of the Big-Three Captive-agent insurance carriers, State Farm has the
closest relationship with its agents.

Allstate has been trying to get rid of its agents, and become a
direct-writer, like Geico, and Farmers has been owned by so many
different  parent companies, that its agents are alienated, and feel
that it's every-man-for-himself, against the Company.

But, State Farm still enjoys a close relationship, with its
"supposedluy" Independent Contractor agents (for tax purposes, they're
not employees).

Any State Farm agent can make your life wonderful, or miserable,
depending upon their competency, and the extent to which they like you.

A local friend had his house insured by the 'Snake'.

He suffered three not-at-fault losses (a car ran into his front brick
wall, he had a windstorm "partial" loss, and I forget the third claim)
within about 1.5 years.

As agents live-and-die, with their "Loss Ratios", this local agent
allowed the Snake to non-renew my friend's policy, and then acted like
there was nothing that he could do, to reinstate the policy.

I remember the third claim (DUH!): he was rear-ended, in his own car,
and this nice-guy agent failed ("forgot"; whatever) to tell him about
his policy's Under-Insured coverage which was available to him!

So, I am insured by the Snake, (good coverage rates) but, at least I
know how the Game is played!

Neil Vedder 

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