Laugh Out Loud, You are totally so wrong.
Adjusterjoe did not \”get under my skin\”. I responded to educate Adjusterjoe on what I thought was his sincere response to the Article. If you and Adjusterjoe use this marvelous service that the Insurance Journal provides as a joke, than that
does really \”get under my skin\”.
Tooten Horn..sorry if I offended you. Maybe he doesn\’t get \”under your skin\”, but he sure does \”ruffle lots of feathers\” as you will note if you read all the post and keep up with Journal daily. I think it is pretty interesting!
Thanks Tooten… I usually enjoy reading the posts as I hope to read intelligent and thoughtful responses by other professionals who come up against some of the same issues. One way we all learn is by sharing insight, thoughts and experiences. This is a wonderful forum when it doesn\’t sink into political sniping or nasty rebuttals..
I agree, you cannot beat personal contact and an opportunity to obtain a good understanding. It is very hard to communicated today at best, because of the degree of misunderstanding due to the various dilects that are now spoken in public service.
We are a small agency, but are often told that it is nice to hear a \”live voice\”.
Dee
about miss the point, you all get excited about nothing and get off on a totally unrelated tangent. I make a simple comment that from what many of you post here, it is hard to imagine that you could instill confidence with your lack of knowlege. Then you go beserk.
Adjusterjoe brings to light, once again, the continuing saga of \’know it all adjuster\’ and the so-called \’professional ins agent\’. Is there any agent out there who has had a client come to the agency after speaking with an adjuster and saying, \”The adjuster said that the agent should have explained the policy from the first page to the last one to me. If the agent had done that, I should have known what\’s covered and excluded\”. Adjusterjoe, however, has undergone extensive training learning the policy at various policy schools where various situations were presented to him and then had to pass an exam over coverage questions. The agent in the meantime is told to \’not get involved in the claims process beyond reporting a loss\’. Satisfied customers are those that both agent and adjuster act as business professionals with the customer at the moment of truth…a claims event. For example: Client purchases a Brand New Vehicle. Agent endorses the auto policy and informs the client about \”gap\” insurance. Client rejects it. Client has a total loss. Adjuster offers ACV based on clearinghouse values, newspapers, dealer quotes, deprecitation, deductibles…valued at $7,000 less than Lienholder amount on the vehicle. Adjuster, short of calling the client \’stupid\’ says, \”Well, didn\’t your agent explain to you about how we go about determining ACV, etc., etc., …. Any wonder what ADJUSTERJOE thinks as he does!!
bill: WRONG!!!!!!!! I have never spoken badly of an agent to an insured regardless as to how stupid I might or might not think the agent is. That is not professional and is not tolerated. We all are here to serve our clients (who by the way pay our salary in the way of premiums) and I was not there when the policy was sold. I usually say something like, \”That is between you and you agent. I was not here when the polciy was sold and cannot comment on what was or was not said.\”
Bill, you are right, most agents know what they sell, but in regards to the flood policy, many agents do not know the coverage and I have had many agents tell me this!
Adjusterjoe. No need to get your hair undone. Your reply pretty much sums up my comments about maybe a few hundred adjusters. There is just no blanket large enough to cover about what you say to our clients. But you do tell them that you were not physically present when the purchase was made; and, of course agents should not be so presumptuous to believe that you would never ever tell the client about an agent\’s omission to explain every coverage detail in the policy. It just wouldn\’t be professional of you to do that, now would it? But it\’s OK to admit that you tell them that you were not present when the client purchased the policy from the agent. OooKkkk…. yeah, right.
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
Adjusterjoe seems to accomplish what he sets out to. Gets under your skin and you all let him! Go joe!
Laugh Out Loud, You are totally so wrong.
Adjusterjoe did not \”get under my skin\”. I responded to educate Adjusterjoe on what I thought was his sincere response to the Article. If you and Adjusterjoe use this marvelous service that the Insurance Journal provides as a joke, than that
does really \”get under my skin\”.
Tooten Horn..sorry if I offended you. Maybe he doesn\’t get \”under your skin\”, but he sure does \”ruffle lots of feathers\” as you will note if you read all the post and keep up with Journal daily. I think it is pretty interesting!
Thanks Tooten… I usually enjoy reading the posts as I hope to read intelligent and thoughtful responses by other professionals who come up against some of the same issues. One way we all learn is by sharing insight, thoughts and experiences. This is a wonderful forum when it doesn\’t sink into political sniping or nasty rebuttals..
I agree, you cannot beat personal contact and an opportunity to obtain a good understanding. It is very hard to communicated today at best, because of the degree of misunderstanding due to the various dilects that are now spoken in public service.
We are a small agency, but are often told that it is nice to hear a \”live voice\”.
Dee
about miss the point, you all get excited about nothing and get off on a totally unrelated tangent. I make a simple comment that from what many of you post here, it is hard to imagine that you could instill confidence with your lack of knowlege. Then you go beserk.
Adjusterjoe brings to light, once again, the continuing saga of \’know it all adjuster\’ and the so-called \’professional ins agent\’. Is there any agent out there who has had a client come to the agency after speaking with an adjuster and saying, \”The adjuster said that the agent should have explained the policy from the first page to the last one to me. If the agent had done that, I should have known what\’s covered and excluded\”. Adjusterjoe, however, has undergone extensive training learning the policy at various policy schools where various situations were presented to him and then had to pass an exam over coverage questions. The agent in the meantime is told to \’not get involved in the claims process beyond reporting a loss\’. Satisfied customers are those that both agent and adjuster act as business professionals with the customer at the moment of truth…a claims event. For example: Client purchases a Brand New Vehicle. Agent endorses the auto policy and informs the client about \”gap\” insurance. Client rejects it. Client has a total loss. Adjuster offers ACV based on clearinghouse values, newspapers, dealer quotes, deprecitation, deductibles…valued at $7,000 less than Lienholder amount on the vehicle. Adjuster, short of calling the client \’stupid\’ says, \”Well, didn\’t your agent explain to you about how we go about determining ACV, etc., etc., …. Any wonder what ADJUSTERJOE thinks as he does!!
bill: WRONG!!!!!!!! I have never spoken badly of an agent to an insured regardless as to how stupid I might or might not think the agent is. That is not professional and is not tolerated. We all are here to serve our clients (who by the way pay our salary in the way of premiums) and I was not there when the policy was sold. I usually say something like, \”That is between you and you agent. I was not here when the polciy was sold and cannot comment on what was or was not said.\”
Bill, you are right, most agents know what they sell, but in regards to the flood policy, many agents do not know the coverage and I have had many agents tell me this!
Adjusterjoe. No need to get your hair undone. Your reply pretty much sums up my comments about maybe a few hundred adjusters. There is just no blanket large enough to cover about what you say to our clients. But you do tell them that you were not physically present when the purchase was made; and, of course agents should not be so presumptuous to believe that you would never ever tell the client about an agent\’s omission to explain every coverage detail in the policy. It just wouldn\’t be professional of you to do that, now would it? But it\’s OK to admit that you tell them that you were not present when the client purchased the policy from the agent. OooKkkk…. yeah, right.