Insurance Scam

[Dave020]

Based on the info. you shared in an earlier post, do you think the agents that post critical remarks of the carriers that they represent put themselves at risk?

I don't doubt that a carrier or carriers could exercise some verbiage in the contract to terminate if the posts were particularly inflamatory. I would have to review my contacts, but suspect somewhere in there may be such clause. As contracted agents, we have a duty to protect both the insured and the insurer.

What about the lead companies? Could they sue individual agents for comments on this board?

Possibly, I think it likely would have to be a situation where what was posted had a direct monetary impact or was so libelous that it could not be constued any other way. If the post results in a provable loss, certainly there could be grounds to sue.

 

[djs]

I'm torn on these types of sites. I'm not convinced that they actually serve the public in the way you would think. For instance, I read through a lot of the P&C style complaints on ROR, most of them were not legitimate complaints from what the poster wrote, they just wanted a different outcome.

You could almost have a parallel site that allows companies to complain about customers While it would serve no real practical purpose, it would be funny to read!

If these sites posted the outcome of an investigation, they would be worthwhile, but when they just allow someone to vent that somebody else didn't have enough insurance, that is life.

Dan

 

[bill3173]

I don't doubt that a carrier or carriers could exercise some verbiage in the contract to terminate if the posts were particularly inflamatory. I would have to review my contacts, but suspect somewhere in there may be such clause. As contracted agents, we have a duty to protect both the insured and the insurer.



Possibly, I think it likely would have to be a situation where what was posted had a direct monetary impact or was so libelous that it could not be constued any other way. If the post results in a provable loss, certainly there could be grounds to sue.

Interestingly enough, the agents that attacked lead companies on this board, and I don't mean "xyz leads were crappy", but said things like xyz company stole from me or breached the contract, etc. actually, had their case made by the responses to their posts, which I found odd.

The lead company's rebuttal, were basically confirming what the agent posted.

As far as talking junk about carriers, I think that you'd just be asking for it, sooner or later. The world is smaller than we think.

 

[Guest]

Is your insurance business up and running or are you like Al where you have decided to just channel your energy into being an industry gadfly as a substitute for being successful..

And just how successful are YOU, Winter? Oh I forgot. You post from under a cloak... so you can say anything you want. Wait. I know. You are the role model we should all follow, because YOU are the model of success for all of us, right?

Judging from your quote above, what a piece of human-garbage you must be in real life. You ARE one self-absorbed evil man. I have no doubt about it.

 

[LGilmore]

I just have to ask this question.... How does this make you money? How does this help your insurance career? Are the people coming to a site like that going to be good clients?

I would really think this through. Personally I don't see how this will make you money, nor help your career in insurance and do you really want clients who complain rather than reslove issues?

I just think you are barking up the wrong tree here. I have experienced being in the "right" about our job issues before. I can tell you firsthand, it doesn't pay s hit.

I wonder even today of the point of had I not done the right thing, would I be better off today?

 

[GreenSky]

And just how successful are YOU, Winter? Oh I forgot. You post from under a cloak... so you can say anything you want. Wait. I know. You are the role model we should all follow, because YOU are the model of success for all of us, right?

Judging from your quote above, what a piece of human-garbage you must be in real life. You ARE one self-absorbed evil man. I have no doubt about it.

I'm not cloaked and I agree completely with Winter's comments.

But then again, your jealousy of anyone who can hold a job more than 3 months is obvious.

Also, just who the f*ck are you to call anyone human-garbage? You have a serious anger management problem Al. You should speak with a shrink - and soon!

Rick

 

[ABC]

I don't really understand why you created the site?

Is it a spin off of your insurance sales site? If so is it helping with your ranking and bringing in traffic?

I looked at some of the claims and they are BS. A broker could have cleared up the issues I read.

 

[InsuranceGuru]

We really just created the site because I didn't find one out there doing it. And I thought, hey, if I wasn't licensed and had absolutely no idea what was even out there, then would a site like this help me? Maybe just knowing what questions to ask an agent is enough of a difference in the sales process (I read about this... how does your company handle this?). That little bit of information can mean the difference between a legitimate sale and one where the customer doesn't understand what they bought, IMO.

I explain consumer sites to customers, and I tell them there's absolutely no way they can know if there's a legitimate ripoff afoot until you read about it in the newspapers maybe a couple of years into litigation (or when States fine a company, etc). The one advantage I think consumer reports give to people is the 'word of mouth', hometown community kind of exchange.

Maybe we can do it better on Insurance Scam to give people a more comprehensive path to follow in researching companies, but I believe consumer reports are one of those things people need to consider when thinking about which insurance company to use. I just heard an insurance rep today mention A.M. Best rates insurance companies, this company is solid, you should go with them...

That's all fine and dandy, but there are a lot of companies that have good ratings AND a buttload of complaints. So, giving people a place to research reports where they can also consult our resource section to seek out more information about a company is just solid research support for shoppers (insurance or otherwise), especially when choosing who's going to look out for you when things go terribly wrong.

So, I hope that explains in a nutshell why we created the site. Our intention wasn't to upset anyone. We just wanted a comprehensive place for insurance research. We went with Insurance Scam because it's a high traffic search phrase people are looking for on Google. Beyond that, there is no conspiracy to be 'anti-insurance' with this site. It's there for the public to share their experiences. End of story.

 

[Crabcake Johnny]

Based on the info. you shared in an earlier post, do you think the agents that post critical remarks of the carriers that they represent put themselves at risk?

What about the lead companies? Could they sue individual agents for comments on this board?

A friend of mine (you can email me for his name since he doesn't mind talking about it) was sued by Mega for comments he posted on a Yahoo insurance message board.

The entire trial took 2 years and cost him over $100,000.

 

[Winter_123]

And just how successful are YOU, Winter? Oh I forgot. You post from under a cloak... so you can say anything you want. Wait. I know. You are the role model we should all follow, because YOU are the model of success for all of us, right?

Judging from your quote above, what a piece of human-garbage you must be in real life. You ARE one self-absorbed evil man. I have no doubt about it.

Rough day out at the airport Al? Flower market is down in this economy? Tell us again about how you are a follower of Krishna and Bhakti Yoga where you practice seeing love in all things.