< class="posttitle">Why Insurance Companies Suck
Posted by: Steven Perez in personal log, tags: albuquerque, callous disregard, claims adjuster, farmers insurance can kiss my ass, insurance companies, nice neighborhood, scum, ulcers, vandalism
This is a story about a guy named Steven, and how he came to hate insurance companies all over again.
Steven used to work for a health insurance company, once upon a time. His job consisted mainly of telling old people that they weren’t covered for the treatment they needed.
This situation did not sit well with Steven, who was used to helping people whenever he could. So he bucked the company line on more than one occasion, spending an inordinate amount of time trying to help people.
This callous disregard for the company’s best interests made Steven’s boss very angry, since the company placed a premium on volume of calls over helping people. So they fired Steven after a few months. This was just fine with Steven, who was finding out that he suddenly developed an affinity for kicking puppies, and decided that his job was somehow responsible for this newfound trait.
Steven went on to find new and more meaningful employment, where he did not develop ulcers or have to listen to old people crying on the phone. In time, he even stopped kicking puppies.
Earlier this week, some scum hit Steven’s very nice neighborhood on a vandalism spree. They smashed the windows of various cars and trucks and took valuables from the vehicles. The scum smashed up the windows on Steven’s truck.
Steven took photos and filed a police report. Then he called his insurance company to file a claim.
At first, the insurance company had a problem matching Steven’s coverage to the truck. This sounded strange to Steven, since the insurance company never had a problem registering when Steven paid the premiums. Finally, his new agent, who replaced the old agent he signed up with last January, called the company directly. Steven gave his agent the photos and the police report.
Steven waited.
Soon, the claims adjuster called Steven. The adjuster said that Steven’s glass was not covered. This sounded very strange to Steven, as the glass was formerly quite attached to the truck and was not generally thought of as optional equipment. He argued with the adjuster, who said that she would call back.
She called Steven back. It turns out that Steven’s glass had never been covered by his previous agent, even though the not-so-nice neighborhood where Steven lived prior to moving to the “very nice” one he lived in now was colloquially known as “the War Zone”, where smash-and-grab-style robberies were all too common. Also, the very large camper shell was never covered by his former agent, either. In fact, when pressed by the company, the former agent told the company that she had never seen the camper shell.
Steven got mad. He got even angrier when he found out how much more it would have cost to cover the glass and reduce the deductible on his coverage to a mere pittance – one dollar per month.
Steven’s truck now sits forlornly outside his apartment in his “very nice” neighborhood. The window is still smashed. The camper shell will have to be scrapped, as Steven doesn’t have the cash nor the patience to keep it.
And Steven has learned several valuable lessons.
• Never trust friends who are insurance agents.
• “Very nice” neighborhoods can be every bit as crime-ridden as not-so-nice neighborhoods.
• Insurance companies suck.
Needless to say, Steven is currently shopping around for another insurance company.
He also better stay away from the dog for a while.
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