Rumor is Leiter...

[Johnson85]

I was shocked. I heard horror stories locally from people who had State Farm and Allstate.

Don't know any specifics about Allstate, but I will never have State Farm for anything. I have heard their auto insurance is actually good to deal with, but if you have them for home insurance, you have to know that at the end of the day, you are buying the right to sue them, because they will 17 you if it's in their best interest. Insurance that is good to deal with when things are going well but 17s you if they decide honoring the contract will be too costly is not good insurance at any price.

[SteelCurtain74]

I worked for an insurance company for 13 years first as an underwriter then as an underwriting manager. It is true that there are and have been companies that deny claims at the drop of a hat and are more difficult to deal with however it was not uncommon to receive phone calls from customers who had no idea what the policy they were paying for covered or didn't cover. Now you can lay that at the feet of the agent for not explaining it thoroughly but ultimately it is the consumers responsibility to know what they're buying and how their property is covered, ex: actual cash value vs replacement cost.

[Really Clark?]

I worked for an insurance company for 13 years first as an underwriter then as an underwriting manager. It is true that there are and have been companies that deny claims at the drop of a hat and are more difficult to deal with however it was not uncommon to receive phone calls from customers who had no idea what the policy they were paying for covered or didn't cover. Now you can lay that at the feet of the agent for not explaining it thoroughly but ultimately it is the consumers responsibility to know what they're buying and how their property is covered, ex: actual cash value vs replacement cost.

Always pay the extra for replacement cost when it’s available and get the broadest coverage you can afford. Just those things can help stop issues with a claim before it even starts.

[Johnson85]

I worked for an insurance company for 13 years first as an underwriter then as an underwriting manager. It is true that there are and have been companies that deny claims at the drop of a hat and are more difficult to deal with however it was not uncommon to receive phone calls from customers who had no idea what the policy they were paying for covered or didn't cover. Now you can lay that at the feet of the agent for not explaining it thoroughly but ultimately it is the consumers responsibility to know what they're buying and how their property is covered, ex: actual cash value vs replacement cost.

It's probably not that the agent didn't explain it thoroughly. The agent probably didn't explain it at all or actively misled them. A very small number of people look past total coverage, deductible, and price. Hell, a good number of people don't even take into account all three. So agents give them what they want rather than what they probably need because trying to give them what they need will cost them business.

[SteelCurtain74]

It's probably not that the agent didn't explain it thoroughly. The agent probably didn't explain it at all or actively misled them. A very small number of people look past total coverage, deductible, and price. Hell, a good number of people don't even take into account all three. So agents give them what they want rather than what they probably need because trying to give them what they need will cost them business.

I'm sure that happens as well but again that is where the consumer needs to ask questions if they are not sure of what they are buying. Sometimes, however, the agent is doing right by the customer but it is the company that changes the policy type, the coverage, etc. Also in many cases the agent has little to any say on if or how a claim is settled. They can plead their case but the Claims department ultimately will make the decision.

[Cooterpoot]

Well, for a guy with a bad arm Leiter just wore the Sharks smooth out. I think Corbin mislead everyone on Leiter.

So, you're saying pitching your best pitchers the most is ok? Asking for a coach.