Two Gripes With Insurance Companies

June 29, 2006 ·  

Recently, I’ve increased my dislike for insurance companies. The idea of insurance is good, but the current way it is implemented is so wrong. Two examples.

1) My wife and I purchased car insurance for both of our cars. We provided all info for setup and thought that everything was done. Two months later we are told that they misplaced the file for the auto-pay, so although we have been covered, they didn’t automatically deduct our payment from our banking account. What bothers me about this is they need to use the banking to charge for those first two months and pay for the next month as well. That’s just not right to me. We didn’t have any claims or use for the insurance for the previous two months so the company was not providing any service. But, even though it was their own error, we still have to pay for the past months.

2) My wife had a rock hit her windshield and cause it to crack. We called the insurance company to ask if it would be covered. They said they would be able to cover it, but the premiums would go up. It made me wonder, “What were the last four months of payments being used for if it wasn’t to cover something like this? To be fair, can I have my premiums go down every month that I have a non-claim?”

No, that would make too much sense for the customer.

When I think of insurance companies, I think of the following image. I am the walking man and the old lady is the insurance company. You can be the observing guy.

Image

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Comments

4 Responses to “Two Gripes With Insurance Companies”

  1. Damien Barrett on June 29th, 2006 9:56 am

    At least you’re only having problems with your *car* insurance. Be thankful that you’re not one of the many thousands (millions?) of people being jerked around by their *health* insurance.

    Poor soul: “You mean the thousands of dollars I’ve paid every year in health insurance for decades won’t cover this ?

    Insurance company: “No, sorry sir. That condition is only treated by “experimental” or “alternative” means, and our company won’t cover the cost of “experimental” treatments.

    Poor soul suffers and even dies because insurance company is a greedy pig.

  2. brandon stucki on July 1st, 2006 11:10 pm

    brian what insurance are you with, i am with esuurance they are a great insurance company. and very very cheap. when geico and progressive wanted 2000 per premium i went to esurance they only wanted 1300 they after 6 months was up it went to 1200 they are great u should look into them.

  3. Richard Hather on July 3rd, 2006 4:38 pm

    If you want to submit a claim with our government run insurance company, the only one in BC. Wont name any names. But you have to cough up $300 before they will fix anything as the deductable… vultures!

  4. SunTec Auto Glass on October 2nd, 2006 12:22 pm

    In the state of Arizona, the insurance companies don’t raise your rates for having your windshield replaced, and they waive your deductible if you can have your windshield repaired.

    check out http://www.suntecautoglass.com

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