Insurance Companies Are The Devil

[sixone]

Originally posted by: freegeeks
yes, people and companies make mistakes and good companies that care for their loyal customers will give some commercial offer because of these mistakes. I'm self employed and when I f*ck up I will do everything possible to make up for it so I don't lose that customer.

I will pay the $150 if they force me and then I will throw them out next year

Then why aren't you paying for your fuck-up NOW?

 

[freegeeks]

Originally posted by: sixone

Originally posted by: freegeeks
yes, people and companies make mistakes and good companies that care for their loyal customers will give some commercial offer because of these mistakes. I'm self employed and when I f*ck up I will do everything possible to make up for it so I don't lose that customer.

I will pay the $150 if they force me and then I will throw them out next year

Then why aren't you paying for your fuck-up NOW?

My fuck-up? Is this some kind of bizarro reverse world. The problem started on their side and could potentially give me a lot of trouble.

I'll pay when I have to pay but they will get the boot. They retain a loyal customer if they do a commerical gesture

Comprende or do I need to make a drawing?

ps: are you in insurance?

 

[DisgruntledVirus]

Originally posted by: freegeeks

Originally posted by: sixone

Originally posted by: freegeeks
yes, people and companies make mistakes and good companies that care for their loyal customers will give some commercial offer because of these mistakes. I'm self employed and when I f*ck up I will do everything possible to make up for it so I don't lose that customer.

I will pay the $150 if they force me and then I will throw them out next year

Then why aren't you paying for your fuck-up NOW?

My fuck-up? Is this some kind of bizarro reverse world. The problem started on their side and could potentially give me a lot of trouble.

I'll pay when I have to pay but they will get the boot. They retain a loyal customer if they do a commerical gesture

Comprende or do I need to make a drawing?

ps: are you in insurance?

Either you want coverage for your new address for the 10 months prior (in which case you owe $150), or you don't want 10 months prior insurance on this residence (in which case you don't owe the $150, and were not covered for 10 months). The fact it is retro active just means you want to be able to pay AFTER you get your service. Basically "well I didn't have a loss, so I shouldn't have to pay for the extra coverage". You said in the OP you are ok with it costing more b/c it's bigger (or will pay it), so you should have paid the extra $150 10 months ago. The fact you didn't pay that when you moved doesn't mean it's not owed still though.

 

[sixone]

Originally posted by: freegeeks

Originally posted by: sixone

Originally posted by: freegeeks
yes, people and companies make mistakes and good companies that care for their loyal customers will give some commercial offer because of these mistakes. I'm self employed and when I f*ck up I will do everything possible to make up for it so I don't lose that customer.

I will pay the $150 if they force me and then I will throw them out next year

Then why aren't you paying for your fuck-up NOW?

My fuck-up? Is this some kind of bizarro reverse world. The problem started on their side and could potentially give me a lot of trouble.

I'll pay when I have to pay but they will get the boot. They retain a loyal customer if they do a commerical gesture

Comprende or do I need to make a drawing?

ps: are you in insurance?

So what if it started on their side? YOU didn't follow up to be sure that it got done. YOU didn't ask why you didn't get a new policy showing the new address, and YOU didn't ask why your automatic billing amount didn't change.

All the clues were there, and YOU ignored them. Man up and take responsibility for YOUR failure.

I work for a third-party insurance administrator. We are hired by by employers and employer groups to administer their employee benefits.

 

[freegeeks]

So what if it started on their side? YOU didn't follow up to be sure that it got done. YOU didn't ask why you didn't get a new policy showing the new address, and YOU didn't ask why your automatic billing amount didn't change.

All the clues were there, and YOU ignored them. Man up and take responsibility for YOUR failure.

I work for a third-party insurance administrator. We are hired by by employers and employer groups to administer their employee benefits.

Do your always blame your customers for errors you made? You guys are still in business with an attitude like that?

Luckily the people I'm dealing with at the insurance company seems to be more customer oriented and are looking to work out a solution. If I would be dealing with you, I would have escalated already to your boss to get your ass fired.

 

[Pacemaker]

You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

 

[sixone]

Originally posted by: freegeeks

So what if it started on their side? YOU didn't follow up to be sure that it got done. YOU didn't ask why you didn't get a new policy showing the new address, and YOU didn't ask why your automatic billing amount didn't change.

All the clues were there, and YOU ignored them. Man up and take responsibility for YOUR failure.

I work for a third-party insurance administrator. We are hired by by employers and employer groups to administer their employee benefits.

Do your always blame your customers for errors you made? You guys are still in business with an attitude like that?

Luckily the people I'm dealing with at the insurance company seems to be more customer oriented and are looking to work out a solution. If I would be dealing with you, I would have escalated already to your boss to get your ass fired.

Why do you refuse to acknowledge that it was a MUTUAL error? Your poor little ego just can't handle it? Is that why you're trying to turn this discussion to me, instead of dealing with your own topic?

If you had moved to a smaller place, they would be refunding your overpayment without a squeak. Too bad you're not the "professional" that you want them to be.

 

[Pacemaker]

Originally posted by: sixone

Originally posted by: freegeeks

Originally posted by: sixone

Originally posted by: freegeeks
yes, people and companies make mistakes and good companies that care for their loyal customers will give some commercial offer because of these mistakes. I'm self employed and when I f*ck up I will do everything possible to make up for it so I don't lose that customer.

I will pay the $150 if they force me and then I will throw them out next year

Then why aren't you paying for your fuck-up NOW?

My fuck-up? Is this some kind of bizarro reverse world. The problem started on their side and could potentially give me a lot of trouble.

I'll pay when I have to pay but they will get the boot. They retain a loyal customer if they do a commerical gesture

Comprende or do I need to make a drawing?

ps: are you in insurance?

So what if it started on their side? YOU didn't follow up to be sure that it got done. YOU didn't ask why you didn't get a new policy showing the new address, and YOU didn't ask why your automatic billing amount didn't change.

All the clues were there, and YOU ignored them. Man up and take responsibility for YOUR failure.

I work for a third-party insurance administrator. We are hired by by employers and employer groups to administer their employee benefits.

If you had the oil changed in your car and they didn't put the drain plug in (who doesn't make an error from time to time). Would you expect them to buy you a new engine or tell you "you should have known better than to drive the car since the oil gauge said 0".

 

[freegeeks]

Originally posted by: Pacemaker
You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

you seem to be one of the only in this thread that understand my point. If something would have happened a couple of months ago I would have been in trouble. It's not like the insurance company would have said after a fire "no problem, here is your 100k euro cheque, we know the address is wrong but we love you so much that we are just going to give you the money".

dudes like Sixone are blaming ME for the error 😕

 

[freegeeks]

Originally posted by: sixone

Originally posted by: freegeeks

So what if it started on their side? YOU didn't follow up to be sure that it got done. YOU didn't ask why you didn't get a new policy showing the new address, and YOU didn't ask why your automatic billing amount didn't change.

All the clues were there, and YOU ignored them. Man up and take responsibility for YOUR failure.

I work for a third-party insurance administrator. We are hired by by employers and employer groups to administer their employee benefits.

Do your always blame your customers for errors you made? You guys are still in business with an attitude like that?

Luckily the people I'm dealing with at the insurance company seems to be more customer oriented and are looking to work out a solution. If I would be dealing with you, I would have escalated already to your boss to get your ass fired.

Why do you refuse to acknowledge that it was a MUTUAL error? Your poor little ego just can't handle it? Is that why you're trying to turn this discussion to me, instead of dealing with your own topic?

If you had moved to a smaller place, they would be refunding your overpayment without a squeak. Too bad you're not the "professional" that you want them to be.

ego 😕 WTF!!!!

do you have some mental issues, chill down dude

 

[Uppsala9496]

Originally posted by: Pacemaker
You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

It would have been a long dragged out court case, but in the end I am confident the insurance company would have paid if there was proof that he went in to make the address change.
Phone records, etc. And it isn't difficult to have the computer records of the person that was suppossed to have changed the information accessed.
I've been deposed at work before over a claim (I underwrote the account). All of my computer records along with all the notes I made about the file were accessed.
So, I have no doubt that he would have been covered even if it would have been a long drawn out case.

 

[darkxshade]

And to think, this could all been avoided if you played dumb and walked in to get a new policy after noticing you were still paying on the old home.

 

[sixone]

Originally posted by: Pacemaker
If you had your oil changed in your car and they didn't put the drain plug in (who doesn't make an error from time to time). Would you expect them to buy you a new engine or tell you that you "should have known better than to drive the car since the oil gauge said 0".

Apples and oranges. A missing drain plug is going to be an issue that very day, not weeks or months later.

If the OP moved "last year", he had a clue on every bank statement - that's at least ten of them. If he chose to ignore them, that's his choice, and his consequences.

 

[freegeeks]

Originally posted by: Uppsala9496

Originally posted by: Pacemaker
You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

It would have been a long dragged out court case, but in the end I am confident the insurance company would have paid if there was proof that he went in to make the address change.
Phone records, etc. And it isn't difficult to have the computer records of the person that was suppossed to have changed the information accessed.
I've been deposed at work before over a claim (I underwrote the account). All of my computer records along with all the notes I made about the file were accessed.
So, I have no doubt that he would have been covered even if it would have been a long drawn out case.

I'm just asking that they are dropping the extra premium of the last 10 months because of the potential trouble it could have caused me because of the error they made. Is it really that much asked as a commercial gesture? It's not like I'm asking for a discount for the coming year.

 

[DisgruntledVirus]

Originally posted by: Uppsala9496

Originally posted by: Pacemaker
You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

It would have been a long dragged out court case, but in the end I am confident the insurance company would have paid if there was proof that he went in to make the address change.
Phone records, etc. And it isn't difficult to have the computer records of the person that was suppossed to have changed the information accessed.
I've been deposed at work before over a claim (I underwrote the account). All of my computer records along with all the notes I made about the file were accessed.
So, I have no doubt that he would have been covered even if it would have been a long drawn out case.

Exactly.

You would have gotten your money. Insurance companies have paper trails like no other for this reason. To be able to defend themself in court, they WANT records.

Sixone is a female btw.

And you want the coverage for that 10 months, but don't want to pay retroactively for it because nothing happened. Sixone is correct, BOTH you AND your agent are at fault.

For future reference, in the US (I don't know if you are in the states, but this is true in most places AFAIK) if there is a change to a policy we are legally required to send you an updated policy jacket reflecting the change. So if you make a change to the policy (like your address), you should be getting something in the mail stating that change was made.

 

[freegeeks]

Originally posted by: sixone

Originally posted by: Pacemaker
If you had your oil changed in your car and they didn't put the drain plug in (who doesn't make an error from time to time). Would you expect them to buy you a new engine or tell you that you "should have known better than to drive the car since the oil gauge said 0".

Apples and oranges. A missing drain plug is going to be an issue that very day, not weeks or months later.

If the OP moved "last year", he had a clue on every bank statement - that's at least ten of them. If he chose to ignore them, that's his choice, and his consequences.

I pay my insurance yearly that why I only noticed it last week because I only get one bill every year for my home insurance.
I did not ignore anything, I went in, they "changed" it, said that everything was allright, I left.

nice try though

 

[freegeeks]

Originally posted by: DisgruntledVirus

Originally posted by: Uppsala9496

Originally posted by: Pacemaker
You guys are acting like if he had needed the insurance that they would have paid. In my experience they wouldn't have. They would have told him that he was not insuring the correct house and he would have been forced to fight them for months and they probably still wouldn't pay. For that reason I would say making him pay extra for that time period is out of line, but that being said legally you will probably have to pay.

It would have been a long dragged out court case, but in the end I am confident the insurance company would have paid if there was proof that he went in to make the address change.
Phone records, etc. And it isn't difficult to have the computer records of the person that was suppossed to have changed the information accessed.
I've been deposed at work before over a claim (I underwrote the account). All of my computer records along with all the notes I made about the file were accessed.
So, I have no doubt that he would have been covered even if it would have been a long drawn out case.

Exactly.

You would have gotten your money. Insurance companies have paper trails like no other for this reason. To be able to defend themself in court, they WANT records.

Sixone is a female btw.

And you want the coverage for that 10 months, but don't want to pay retroactively for it because nothing happened. Sixone is correct, BOTH you AND your agent are at fault.

For future reference, in the US (I don't know if you are in the states, but this is true in most places AFAIK) if there is a change to a policy we are legally required to send you an updated policy jacket reflecting the change. So if you make a change to the policy (like your address), you should be getting something in the mail stating that change was made.

she's a very angry female then 😛

anyway, that's how it will go
I will stay if they do a commercial gesture (dropping the 10 months premium)
They will get the boot if they force me to pay

Looks like a fair deal to me and I don't care what anyone else say 😛

 

[sixone]

Originally posted by: freegeeks

Originally posted by: sixone

Originally posted by: Pacemaker
If you had your oil changed in your car and they didn't put the drain plug in (who doesn't make an error from time to time). Would you expect them to buy you a new engine or tell you that you "should have known better than to drive the car since the oil gauge said 0".

Apples and oranges. A missing drain plug is going to be an issue that very day, not weeks or months later.

If the OP moved "last year", he had a clue on every bank statement - that's at least ten of them. If he chose to ignore them, that's his choice, and his consequences.

I pay my insurance yearly that why I only noticed it last week because I only get one bill every year for my home insurance.
I did not ignore anything, I went in, they "changed" it, said that everything was allright, I left.

nice try though

Yeah, nice try on ignoring the other points I made. You didn't ask why you didn't receive an updated policy, either. How many months went by without you asking for one?

 

[RKS]

see if your agent can get it covered in his 'errors and omissions'.

 

[EagleKeeper]

If it was a monthly bill, you should have picked up on it after no more than 2 months.

Unless you do not check your electronic payment logs - then it becomes your fault.

You both screwed up, yet you want them to take the full consequences of the mistake.

 

[DisgruntledVirus]

Originally posted by: freegeeks
*snip*

she's a very angry female then 😛

anyway, that's how it will go
I will stay if they do a commercial gesture (dropping the 10 months premium)
They will get the boot if they force me to pay

Looks like a fair deal to me and I don't care what anyone else say 😛

Well I happen to agree with her 😛

This is ultimately up to you as to what you do. We believe you should pay it, because you were covered for that time period. You (and some others) believe you shouldn't because if you had a loss you might have had to wait longer to get your money. It doesn't matter what anybody else says or thinks because ultimately it's your choice regardless.

Just in the future you might not want to post a "rant" about those "evil insurance companies" when you were at least partially responsible 😉

 

[Injury]

I see both sides of it and I think both people are at fault for not following through, but I think that out of good faith customer service the insurance company would be wise to waive the extra charges and keep the customer happy.

 

[freegeeks]

Originally posted by: sixone

Originally posted by: freegeeks

Originally posted by: sixone

Originally posted by: Pacemaker
If you had your oil changed in your car and they didn't put the drain plug in (who doesn't make an error from time to time). Would you expect them to buy you a new engine or tell you that you "should have known better than to drive the car since the oil gauge said 0".

Apples and oranges. A missing drain plug is going to be an issue that very day, not weeks or months later.

If the OP moved "last year", he had a clue on every bank statement - that's at least ten of them. If he chose to ignore them, that's his choice, and his consequences.

I pay my insurance yearly that why I only noticed it last week because I only get one bill every year for my home insurance.
I did not ignore anything, I went in, they "changed" it, said that everything was allright, I left.

nice try though

Yeah, nice try on ignoring the other points I made. You didn't ask why you didn't receive an updated policy, either. How many months went by without you asking for one?

Look lady, I went out expecting that everything was allright because they said that everything was allright. Shortly after this I went for 6 months to the Middle-East for my work, I can assure you that I had other things to worry about. They f*cked up, they already acknowledged that they f*cked up and now they are looking if they can do some commercial gesture.

I don't understand your rabbit bla bla against me, it's almost something personal

 

[freegeeks]

Originally posted by: Common Courtesy
If it was a monthly bill, you should have picked up on it after no more than 2 months.

Unless you do not check your electronic payment logs - then it becomes your fault.

You both screwed up, yet you want them to take the full consequences of the mistake.

yearly bill

 

[Uppsala9496]

if they are going to make a good faith gesture and waive some or all of hte back premium, then good for you. If not, then consider it a $150 lesson on always making sure you have written documentation on changes. Go ahead and move coverage if you are unhappy with the service you are getting. Insurance is a competitive business (in most cases) and if you have a choice in carriers, then fell free to exercise that choice.
be happy this isn't insurance for something where there are only a couple carriers that offer the coverage. Then they can make your life difficult knowing you have no choice but to stay with them if you want the coverage.