Thanks Commercial Insurance Solutions

[jjoerger]

This is an update to the thread Commercial Insurance.

John Benisch of Commercial Insurance Solutions has straightened out the problem I had with Progressive Insurance regarding down time coverage.

CIS was correct when his companies e mail to me stated, "The policy includes $175 per day up to $5250 Downtime coverage if you vehicle is in an accident and can't be operated."

Our adjuster at Progressive has contacted us and will be paying us downtime for all days. There is no 7 day waiting period.

So thanks to John and his staff and thanks to all EO members that have the same coverage who called CIS.

Hopefully if you have this kind of coverage and need it things will go more smoothly for you now that all Progressive adjusters are being made aware of this provision.

 

[LDB]

John and Shelley are stand up folks. That's why they have my business and my recommendation. Good to hear you got it resolved.

 

[pjjjjj]

That is great that you got it looked after in the end, however it is still very disturbing that you had a problem to begin with. What exactly was the problem? The company's adjusters were not trained?

Insurance coverage or lack of it, can only be tested when an unfortunate incident occurs and you have the unfortunate opportunity to find out how the insurance company comes through when it's payout time.

How many other policyholders experienced the same problem or other similar issues, but didn't know enough or raise a big enough stink to get it dealt with appropriately? What will happen with them once the adjusters are trained and realize they made perhaps historical mistakes?

Why should one have to fight to receive what they are paying for?

 

[ATeam]

Arrangements like this, and the presence of an agent that works for you, stand in stark contrast to the arrangement that is available by default through our carrier. With that insurance, if you have a problem or question, you end up talking into the big black hole that insurance company is.

In the event of a serious accident when an advocate is much appreciated, you have one if you have a good agent. I know of a case with our carrier's insurance company of choice where the company became the insured person's enemy instead of a friend. It did not matter that the driver paid for coverage. All that mattered to the company was keeping the money the driver reasonably expected to receive in benefits after the claim was submitted. Calls to the carrier fell on deaf ears since, it was of course not their problem, but a matter between the driver and the insurance company.

Making your own insurance arrangments provides the additional advantage of mobility in changing carriers. If you terminate your contract with your carrier, or it is suddenly terminated by your carrier without notice (been known to happen), your insurance arrangment remains intact.

 

[ATeam]

Why should one have to fight to receive what they are paying for?

Sadly, one must fight to receive benefits previously paid for because many insurance companies have adopted the "Deny, Delay, Defend" approach to paying claims. There is a book by that name that lays it all out.

There are many stories. One is about Diane and me before we became expediters. A tornado came through our neighborhood and damaged our house. Damage was minor compared to some nearby but enough to submit a claim. We did not get paid but got the run around instead.

After trading phone calls, faxes, letters and more for a number of days, and getting no results, we finally played the card we did not like to play in those days. Diane told the person on the phone that from this point forward it would be easier if the insurance company contacted her at her office. "My name is Diane Madsen, General Counsel to Governor Jesse Ventura." she said. The claim was settled that afternoon.

The insurance company was not operating in good faith. It acted not in accordance with the insurance policy but with its own internal policy and provided benefits only when it became clear to them that somebody who was "somebody" was making a claim.

That is not the action of a good faith insurance company. It is the action of an organization that has adopted or fallen to the culture of lying, thieving bast--ds, and becoming very good at it.

 

[pjjjjj]

Making your own insurance arrangments provides the additional advantage of mobility in changing carriers. If you terminate your contract with your carrier, or it is suddenly terminated by your carrier without notice (been known to happen), your insurance arrangment remains intact.

I couldn't agree more. You have NO idea how much work and time it took to get out from under our carrier's 'ownership' when we wanted to do our own thing. If we had kept our license and insurance in our own name to begin with, we would have saved an awful lot of time, money, and frustration, and probably would have had better coverage to boot.

 

[pjjjjj]

Sadly, one must fight to receive benefits previously paid for because many insurance companies have adopted the "Deny, Delay, Defend" approach to paying claims. There is a book by that name that lays it all out.

There are many stories. One is about Diane and me before we became expediters. A tornado came through our neighborhood and damaged our house. Damage was minor compared to some nearby but enough to submit a claim. We did not get paid but got the run around instead.

After trading phone calls, faxes, letters and more for a number of days, and getting no results, we finally played the card we did not like to play in those days. Diane told the person on the phone that from this point forward it would be easier if the insurance company contacted her at her office. "My name is Diane Madsen, General Counsel to Governor Jesse Ventura." she said. The claim was settled that afternoon.

The insurance company was not operating in good faith. It acted not in accordance with the insurance policy but with its own internal policy and provided benefits only when it became clear to them that somebody who was "somebody" was making a claim.

That is not the action of a good faith insurance company. It is the action of an organization that has adopted or fallen to the culture of lying, thieving bast--ds, and becoming very good at it.

Yes, agreed, and too bad for all the 'nobodies' who don't have a hope of fighting the b*stards, nevermind obtaining what was rightfully theirs to begin with.