Turkey Trot
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- Jun 13, 2009
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Experience with Insurance Agents[/h3] We have been in business almost 10 years and have been doing insurance through one of the big name companies all that time...and paying hefty premiums as well, even though we never had any claim whatsoever. This year, we heard about a "great" company that was recently licensed to write policies in Virginia. The premium for the policy came in at 50% less than the big name, so we switched over to the new one.
Apparently, about 10PM last night we had a neighborhood teenager slip at the top of a hill at the edge of our property, tumble down and do a full gainer across a knee-high stone wall in our back yard. First we new was when the Rescue Squad ambulance driver came to the door to see if they could use our driveway to get closer to the prostrate teenager in our back yard. Long story short...the Squad boarded her, stabalized her neck and took the teen to the hospital about 11:30 PM and I sat down to figure out what I should do.
First thing this morning, I called the Insurance company and got the answering machine which gave an emergency contact number. Called that and recounted the events with the head agent. First comment from him was, "Well, we'll have to get a look at it and see if you have ben negligent. If you have, we don't do anything. If not, then you'll have coverage. That is what insurance is for. Call the office on Monday and submit a report."
Well, I was pretty dumbfounded. They and the insurance company's inspector/rep have both done on-site inspections and made no observations/recommendations on any hazards they thought we should address/correct or whatever, or which would constitute negligence if we did not take action. To be greeted with what came across as a "Alert the office; how can we avoid paying..." comment left me cold and wondering what others have experienced. Big expensive company we left had a good reputation of customer service/orientation, but the prices jumped higher every year. I did not get a warm fuzzy from this contact with my current company and am wondering what others have encountered when reporting incidents to their insurance companies.
Apparently, about 10PM last night we had a neighborhood teenager slip at the top of a hill at the edge of our property, tumble down and do a full gainer across a knee-high stone wall in our back yard. First we new was when the Rescue Squad ambulance driver came to the door to see if they could use our driveway to get closer to the prostrate teenager in our back yard. Long story short...the Squad boarded her, stabalized her neck and took the teen to the hospital about 11:30 PM and I sat down to figure out what I should do.
First thing this morning, I called the Insurance company and got the answering machine which gave an emergency contact number. Called that and recounted the events with the head agent. First comment from him was, "Well, we'll have to get a look at it and see if you have ben negligent. If you have, we don't do anything. If not, then you'll have coverage. That is what insurance is for. Call the office on Monday and submit a report."
Well, I was pretty dumbfounded. They and the insurance company's inspector/rep have both done on-site inspections and made no observations/recommendations on any hazards they thought we should address/correct or whatever, or which would constitute negligence if we did not take action. To be greeted with what came across as a "Alert the office; how can we avoid paying..." comment left me cold and wondering what others have experienced. Big expensive company we left had a good reputation of customer service/orientation, but the prices jumped higher every year. I did not get a warm fuzzy from this contact with my current company and am wondering what others have encountered when reporting incidents to their insurance companies.