posted on Sep, 17 2008 @ 10:48 AM
What is insurance for if the Gov. allocates tax funds to such a disaster? Not only are the CEO's handsomely rewarded with bonuses, huge salaries,
stock options, and the like yet they tap the citizens when it comes time to payout, while premiums are going through the roof.
Awhile back, I went in to my agent to add a vehicle to my home/auto policy. The agent that originally wrote it was no longer at the brokers and after
finding and reviewing my policy, the new agent was flabbergasted at the low premium I was paying. After adding the vehicle, I left.
the following month, I received a letter stating I needed to start a new policy because this agency no longer delt with the particular insurer I had
and my new premium through a different insurer was doubled. I declined and contacted the insurer directly. Since policy was that I needed an agent
to use them and no agent in town now wrote policies under this insurer, I went to another agency and although it was about 1-1/2 times my old rate, it
was still better than the weasels that screwed me when I woke up the sleeping dog they were prior to adding a vehicle. One of the vehicles was a
sports car that I had never been cited for any infraction or other, but, my woman, just a few weeks prior, drove it for the first time and got a 45 in
a 25 right by our house. She said, "It didn't seem like I was even doing 25!".
After my policy was sent to the new insurer, I recieved a letter stating that, although the agent set the policy and took my money, they refused to
insure the sports car because of "Tendencies of this model known to reach excessive speeds and due to the infraction they refused to insure it at any
I had to get a seperate policy elsewhere for that vehicle.
Later, I moved and when I contacted my agent to give the new address, I was told my rate would be triple. I have nothing on my record for driving,
wrecks, accidents or other, except the infraction my woman had in that car. I asked why with my record this would be going down. I was told they go
by zip code, not driving record.
Now, with that tripled rate, I was paying 3-1/2 times more in premiums than with my old policy. So I canceled and went to a different agent and got a
little better rate, but it was still over twice what I was paying at the time.
Later that year, I didn't recieve a renewal notice, so I called the agent to see what was up. I was told they had no record of my policy.
Evidently, they had an office fire and all their files were destroyed. I went down there with my copy and they acknowledged my policy, but refused to
renew it because they had a new policy that I couldn't write my woman because we wern't married and I was the only one on the titles.
I went to DOL and added her to all the titles and had additional personal coverage added to my business insurance.
The guy who wrote that policy evidently didn't last the rest of the month, and I was notified that the premium he had quoted was wrong, so I again
had to pay higher rates.
I kept on them and finally got them to fax a copy so I could have proof in the vehicles, and just in time too. My woman and I that night went for a
drive in a car I was going to give her if she wanted it. She drove and we got pulled over for bad tabs, although it was the last month of the sticker
and I assumed we had till the end of the month.
Come to find out that it expires on the date that it was issued, somewhere in the middle of the month. So,
He gave us a warning since we hadn't even decided whether to change the title. Then he asked for proof of insurance. We gave him the copy the agent
had issued, but there was no expiration date on the insurance card so we were told it was not considered valid proof, and he wrote a no insurance
After I contacted my agent and told them what happened, they sent another proof of insurance by fax with expiration dates.
We went to the courthouse to show we were in fact insured to dismiss the citation, which they prompty did, after I gave them the $50.00 fee charged
for their effort. This was called a filing fee.
Anyways, to make a long story short, I moved recently and was going to use a medical insurer I had some years before. Although they had my info from
my old number, I couldn't do the plan I had a few years ago, so I went through their plans which had been sent earlier this summer when I put my
daughter on prior to the move because she was staying with relatives and also had taken a trip out of the country.
When I decided on the one I was going to sign, I called them yesterday and found out that they no longer offered those plans. The new ones started
August 1st, and for the same coverage, the premium was double the cost of the plan I wanted that was no longer offered as of July 31. I couldn't
So, I now intend to shop around before I commit to this extortionistic type of sevice and policy changing tactics.
I just hope that when I do sign a new plan that should I really ever need the coverage, (knock on wood), that I recieve the care I will now be
Maybe the insurers in the weather stricken areas should step up to the plate now, huh?