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Country Discussion Topics
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More insurance fraud
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deadcarp    Posted 07-27-2004 at 10:38:37       [Reply]  [No Email]
Ever miss an insurance payment and then have them tell you it's okay, just pay for the preceding period and we'll reinstate you? Great! Well sure, the problem is - they're betting on a sure thing! They already know that period payed for them, that your premiums excedded your claims, so in effect they're betting on a race that's already been run. They're buying a winning ticket for yesterday's lottery. That's not insurance - that's guaranteed profit - that's a payoff to get back on their good side! I wonder how many billions are sucked outa our pockets that way.
Well i won't do it. My insurance company (Medica) tried that game on me - THEY were the new carriers so i paid every bill they sent, then now they claim they cancelled my coverage in march and didn't bother notifying me til now but if i send $1700 they'll reinstate me. The guy's excuse was "If you know a car payment is due, you pay it anyway, whether you get a bill or not" Oh really? Am i the only one who pays bills as they come? What a crock - we'll go thru the courts on this one. :)



BOSS    Posted 07-27-2004 at 15:10:57       [Reply]  [No Email]
Try dealing with Workers Comp insurance for a roofing company.

then try Liability insurance......


toolman    Posted 07-27-2004 at 16:07:03       [Reply]  [No Email]
both are a waste of money, never there when you need them, atena ins. is one of the worst for disability ins.first thing to do if you have to go off work is go get a lawyer , sooner or later you,ll need one .


Mugway    Posted 07-27-2004 at 14:49:10       [Reply]  [No Email]
Now there is an agent begging to be fired,go to his District Manager first(DM),then to insurance commisioner,each time you get billed it is also a Renewal notice,because you only buy protection for certain length of time ie,1m,3m,6m,or a year.
Minn. laws are the same as WIS. and the wife trains new agents insurance laws in both states,unfortunately not the same company.


Bob Mi    Posted 07-27-2004 at 12:17:13       [Reply]  [No Email]
Welcome to America the land of Ins. and Taxes


Mike    Posted 07-27-2004 at 11:38:16       [Reply]  [Send Email]
What you just described is illegal in my state.

Somewhere in the back of my head I think I read that you were from Minnesota. I don't think it is legal there either. I would certainly give your insurance commissioner a call and ask about it.

Don't get me started on insurance. It is one of the biggest scams out there. Best advice I can give is to ONLY buy coverage for losses that you cannot absorb yourself. Generally, they want to sell you coverage for everything else BUT that.

Servicing of policies has been extremely poor and almost universal. You just send them money--they never want to hear from you about anything else.

I am a stockbroker who is also licenced to sell health and life insurance because I have a few clients with annuities that were purchased elsewhere.

I hate them, and will never sell them myself.

Insurance companies are ALWAYS a problem to deal with, and they NEVER do what they are obligated to do without a fight or trying to weasel out of it somehow.

Right now I am fighting with three of them. I had a client that died last December at the age of 91. He had three seperate whole life policies that he was paying premiums on. NONE have paid to this day. ALL claimed that the insurance was not if effect, but REFUSED to supply any documentation. Meanwhile ALL THREE have billed the deceased man for this exact coverage that they claim he doesn't have....Argh!!!!

It is really frustrating to have to deal with this crap all the time.

Calls and complaints to the insurance commissioner seem like about the only way to get anything done.

Best advice I can give people is to minimize your exposure to those vultures to the greatest extent that you can. Of course, you need auto, health, and homeowners. Just don't buy any more than you really need.

Sorry for the rant, but they really get my goat.


Kellyb    Posted 07-27-2004 at 20:08:22       [Reply]  [Send Email]
Mike, Being a single parent.. one of the first
things recommended to me was to have adequate life
insurance to cover my children in the event
anything (God forbid for the next 18 years.. some
days I wonder though).. I have instated a life
insurance policy and was wondering if you had any
expertise in thisma


Mike    Posted 07-28-2004 at 07:38:35       [Reply]  [Send Email]
Kelly,

OK, you are an example of someone who does need life insurance. You need that to provide for your kids were something to happen to you.

It is right and proper for you to have that. However, shop around. Buy only TERM insurance, only for the amount you need, and don't let them load you up on anything else.

My opinion only.


Salmoneye    Posted 07-27-2004 at 11:09:57       [Reply]  [No Email]
How can you pay a bill if it doesn't come?

I mean...

How can you not not pay a bill that did not heve arrived...not?

I mean...

My head hurts...

Yes...I only pay bills tha they actually send me...sorry...Maybe it is just me...


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