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How to File a Complaint Against an Insurance Company

We have probably all been there a time or two when out insurance company doesn’t exactly meet the expectations that we would like for them to have. Maybe they just didn’t do their job, didn’t explain things to you right, or was rude; insurance companies are like any other business and therefore you can file a complaint with them to ensure that this does not happen again or to at least get the problem resolved. As you’ll need basic insurance for things like your property it is really important that you understand how your insurance policy works and how you can tackle any problem with your insurance provider if such a situation arises. 

Before you file a complaint with the insurance company, you need to make sure that you have all your information on hand. The information that you will need is any bills that are in question, your insurance card or information, your name and valuable information, and what the complaint is over. Once you have this information, you will want to call the insurance company to see if you can resolve this problem without it escalating into something else.

Let’s face it, insurance companies are not the best at explaining this to you and most of what they say can be a bunch of legal mumbo jumbo. If you don’t understand what they have said, ask the insurance representative to explain it to you. Listen carefully so that neither of you has to keep repeating yourselves. The good news is that it might have just been a misunderstanding before because they didn’t do a thorough job at explaining the information to you. If this isn’t the case, then you will need to read further to get a better understanding of what you might want to do to file a complaint against your insurance company.

Each time that you talk to a person on the phone, you will want to get their name and badge number for future references. This also will help you when you file a complaint against the insurance company because then they will know who you spoke to and can gather more information for themselves.

If you don’t agree with what they have said or feel that there are errors or that they have been misleading, tell them that you wish to have all the details sent to you and that you have prepared yourself to file a complaint against the insurance company.

If you are prepared to file a complaint against the insurance company, you will need proof that you have been wronged by them. This proof can be documents that you have or a letter that you have been sent and you don’t agree with. Sitting down and writing a letter to your state’s Insurance Commissioner is probably going to be your best option.

If you choose to write a letter of complaint against the insurance company to the Insurance Commissioner, you will want to have details stated as to what to place and why you feel the way that you do. When writing out a complaint on an insurance company, you will always want to try and show proof no matter what. Proof makes things seem more real than just a word of mouth discussion.

Once you have written the complaint against the insurance company, proofread the document and make any changes necessary. Try to visualize yourself as the Insurance Commissioner and ask yourself if the letter was believing enough that they could see why you had become upset with the insurance company.

Included in the letter should be the names of the insurance company, what caused you to file the complaint, any documents that prove your case, the names of everyone that you spoke to and their badge number, your phone number and address, and anything else that you feel will help you to get this problem solved much quicker.

If you are not sure on how to contact the Insurance Commissioner, you can go to the National Association of Insurance Commissioner for details on your state and where to send the letter too.


Don’t Be Fooled. Car Accidents Happen More Than You Think. Just Ask Your Auto Insurance.

A message from auto insurance carriers across the country: There’s a reason you’re 60% more likely to have an accident your first five years behind the wheel. Sure, you’re just starting to get a feel for driving. Yeah, it’s more fun to play with the radio than sit in traffic. Updating your Facebook status is INFINITELY more interesting than zoning out on the road.

But that’s not all.

Teenagers think they’re indestructible, that car accidents only happen when people drive like morons (a direct quote) and that accidents are uncommon enough that they don’t have to worry about their behavior behind the wheel. As long as they stay on the road.

Auto insurance companies would beg to differ. So would the World Health Organization, FARS and any other organization that keeps track of this sort of thing.

Every 26 Seconds? Seriously?

While was able to prove that there’s more tale than truth to the statement that more people die by donkey each year than in commercial airline crashes, there are no ifs or buts about the fact that you’re more likely to die in a car accident than both of those put together. You can touch base with your auto insurance for an updated version of these figures, but here’s what we found when we went looking:

  1. On average, someone dies in a car crash every 26 seconds worldwide.
  2. WHO (the World Health Organization) predicts that car accidents will be the third most common cause of death around the globe by 2020. (These people deal with the death toll from AIDS, ebola, diabetes and heart disease. They know what they’re talking about.)
  3. In 2009, over 2 million people were injured in car accidents in the US.  gt;30,000 were killed.
  4. Motor vehicle crashes are the #1 cause of death for children and teenagers.
  5. In Pennsylvania, in 2009 the amount of property damaged due to car accidents totaled $1,086 for every man, woman, and child in the state.

Chilled yet? I was. More than a little. Even when you’re driving down the highway on a summer night and you pass an accident every couple of miles, your mind doesn’t necessarily equate that little fender bender with a nationwide epidemic. (Pandemic? Which way would you go on that?) The point is, accidents are a problem. A big problem. And it’s costing you more than you think. Considering all this, it is really important that you opt for car insurance. There are tons of car insurance options that are available in the market. This is why it can be a little confusing for you to choose from the lot. In such cases, you can compare and read reviews of different car insurance policies on

Auto Insurance, and Other Not-So-Hidden Costs

The car’s going to take damage. So is the guardrail. There’s really no getting around that. But getting your car fixed isn’t the only thing you’re going to have to pay for after you’ve been in an accident. You’re just not that lucky. There’s also the long term hike in your auto insurance. Hours lost finding a company that will insure you after you’ve had one too many. Deductible after deductible.

Not to mention the endless ridicule after you manage to hit a parked car, run into a building or total the car because of a butterfly. An ounce of prevention is worth an entire month of moving to a new state. It’s just not worth it.

Heed These Warnings Before You Switch to Another Auto Insurance Company

It’s been all too common for us to be smothered with emails, advertisements and billboards stating how much cash we can save in our auto insurance by going to another enterprise. This is, after all, a fiercely competitive industry. A better rate offered by another company should not mean the immediate cancellation and switching of your insurance. You need to do a few things before you take such action.

Suppose you’ve been loyal to one certain company for more than a few years and they provide a credit that nulls the first car accident you have. You may desire staying, or find out if another company can equal this deal. This is sometimes known as a “Good Driver Discount”, or accident forgiveness or longevity discount. The auto insurance company rewards your loyalty by looking past car accident number one. This kind of insurance is different from luxury car insurance as it looks first at your loyalty to the company. Hence, as an exchange, they will give you some offers and benefits.

The discount amount may be pretty steep. As the majority of accidents can raise auto insurance rate by up to 40% for 3 years, there can be hundreds of dollars saved over that amount of time. However, switching companies means you lose that credit you’ve accumulated. Having an accident while with the new auto insurance enterprise may end in consumer regret when you see your rates raised by 40%.

Yet another thing to be wary of, is to be certain the auto insurance business you’re going to isn’t giving a teaser rate for the first half year just to get your business. If so, they may jack up the rates 6 months later after they have you on their records. If the auto insurance rate the new company quotes appears too good to be true, then you need to do additional research. A fast method of research is browsing insurance forums or by searching Google for “(name of insurance company) + Reviews”.

Beware of hidden fees! This one can take you by surprise. More than a few auto insurance companies make sneaky charges for monthly payments, usually in the $3 to $5 a month range. Adding this up in a year will be $36 to $60. Don’t let this take a bite out of your savings; make sure to factor in the rates you’re comparing. Be confident that you really are saving when you switch companies.

Two more things to remember when browsing around for auto insurance: Hours of operation and the company’s website. Their hours should fit well with your hours. If they’re open from 9 a.m. to 6 p.m. and you work the same hours, then just how are you supposed to call them if you need to make a claim or if you have an issue that needs to be cleared up?

If you perform all of your business online, the new auto insurance company needs to have a competent website that can assist you in all hours of the day.

As covered, you can save cash by surfing around for auto insurance. You must make sure to keep the aforementioned tips in mind to land the great deal you’re looking for.


Insurance Agency: How To Be An Expert

Starting out on a completely new venture is quite a difficult task, especially when you have little prior knowledge or experience in this field. It takes a lot to deal with the problems that are faced during this uphill task that requires more than a monumental effort to get it done.

While it is true that hard work is the key to success, it does not always lead to favorable results from an ethical standpoint as there are numerous people around the world who have not got their due and their sincere efforts are subjected to the law of diminishing returns.

Lately, the things have gone completely out of hand with people resorting to extreme steps such as suicide when they have no hope left of making it big and with the constant taunts from parents and peers, they gradually lose all interest in life and are left with no choice.

However, they fail to understand that they have not completely run out of luck, as there are many places to turn to and the solution is to look around the problem instead of looking at the problem.

The world of insurance can be seen as a wonderful alternative when you have lost out on job and business, as there have been numerous stories of success in this relatively new field that is quite unexplored due to it being so underrated.

It does take to understand the nitty gritties of a new field and insurance is no exception, but once you get all the points down to the core, you will find that you are quite successful as providing insurance to others will no longer feel like an uphill task as it did before.

But how to you become a successful insurance agent? What do you need to do to achieve and, more importantly, sustain success in this field?

Let us look into this issue as to how easy or difficult it is going to turn out to be. An insurance means that you are preventing a financial loss in the near future by ‘ensuring’ that you don’t go through loss of damage to life and property. A good place of reference is

An insurance agent, or insurer, is the person who acts as the financial intermediary in this matter by providing you with the required insurance and helping you out with the procedure and details until the task is complete.

Here are some steps on how to become a pro in the insurance agency:

  1. You will need to know the process right from the very beginning up to the very last detail when you start out which won’t be easy at first but once you get the basics it will be a piece of cake to understand the whole picture in general.
  1. Keep the explanation simple: When you are dealing with customers, don’t confuse them with complicated explanations and avoid the use of jargons. Just keep the conversation easy so that it will be understandable to them and speak only when they are finished with their doubts and queries. It is the first step to gain their trust and ensure that they don’t walk out on the offer.

  1. Apply your intelligence: Just listen to the customer carefully and do not interrupt them (customer can interrupt you) and exercise moral empathy with them by using emotional content with maturity and no melodrama as this is essential for being a good agent.
  1. Be Honest: Another important point is that you should never exaggerate with anything or provide false details or promises just to let them have a deal as it can be disastrous. Be truthful and tell them everything in a frank and straightforward manner.

Insurance Plan: Choose Wisely To Secure The Future

There can be numerous discussions regarding what is best for the future. What do you need to do to provide a safe haven for your family? To whom can you turn to when it comes to life problems and the endless stress that generates from it, which eventually leads to depression?

Little can be done to eradicate problems and struggles completely from the face of the earth, as they are the part and parcel of our lives and no matter how hard you try, there is no permanent solution for such issues.

Future is the one thing that has become a paradox of sorts as today everyone is focused on making it better and forget to live in the present and always wallow over the past while refusing to learn from the mistakes made in those times, which have resulted into the present.

The one safe and foolproof way for a secure future is the path of insurance. Yes, you read it right, as you can find numerous people in the past and present, who are always insuring something or the other.

But, what is an insurance? And why are so many people interested in it? How does it guarantee for anybody’s future?

In simple language, it is a measure that helps you in recovering from any financial loss that has been incurred by repaying the amount. Insurance is always a subject matter of solicitation which can be used as a medium for a better future as has been proven time and time again.

The specialty insurance agency is the one that provides almost all kinds of insurances whether it is for living beings or inanimate but valuable objects that are dear to the person who wants to insure them in the hopes that it will financially benefit him/her in the future.

But, the one mistake that most people commit when it comes to insurance is that they take rash and hasty decisions which ultimately prove fatal to them and they end up losing all that they have.

Most of the times they are unable to work out on a strategized plan and implement it in a carefully sequenced process as it is vital for things to fall in place whereas they end up getting the opposite results.

Let’s take the example of an insurance company. It is the office place for insurance agents where they have to sit at their assigned desk and provide insurance offers to different people and also help potential customers in acquiring the insurance that they have come to seek.

Here are certain pointers that you need to take care of when want to buy an insurance agency:

  1. To plan: As is the case when starting out anything new, the first step is to plan everything accordingly. It should be worked out in a step by step manner and then implemented in a practical manner.
  1. When it comes to buying and selling, do it in such a way as if you are going to sell it tomorrow itself as it will keep you going to generate maximum revenue which will result in favorable returns.
  1. The interest and tax evaluation technique has to be looked into rather than the price.
  1. The business model should be according to the current market scenario
  1. Review the past, present and future prospects of the company.
  1. The revenue incurred have to be verified by the ledger and thereby be proved as an asset
  1. The business plan has to be worked upon for better growth prospects