Is My Insurance Company Out to Screw Me?

Is My Insurance Company Out to Screw Me?

We have all heard the stories. “My insurance company doesn’t want to cover this” or “my insurance company will only pay me this much”. It certainly can be frustrating and even understandable why some people would ask “Is my insurance company out to screw me?”

First, it is helpful to understand that an insurance company is a business, and in many cases, a business with an obligation to their shareholders. But they also have an obligation to their customers and to the agents who represent them. Any insurance company that repeatedly “screws” their customers will not be in business very long, especially in these days of online reviews, social media and instant messaging.

It can also help to remember that not all claims are what they may seem to be. Some insureds view making a claim as if they hit the lottery. They want to get as much as possible. The intent of insurance, however, is not to leave the insured better off. It is to leave them whole. For this reason, the insurance company has adjusters to help verify and settle claims. Does every claim get settled in the precise manner an insured may have liked? No. Like any product or service, there will be those that may be less than satisfied. This is one of the reasons many choose an independent insurance agency.

Independent insurance agents have the ability to choose the companies whose products they want to represent. This allows them to select companies with the best reputations and track records. They can help you in the preparation of a claim, making sure all losses are properly documented. They can serve as your liaison with the insurance company in getting your claim settled fairly.

Our insurance agents, like the companies they represent, have a reputation to maintain. They earn their living helping to make sure our customers get the protection they need at affordable prices. They want to make sure any claims are settled appropriately and in accordance with the terms and obligations of the policy. Buying a policy digitally online may not provide this personal service.

If you would like to discuss your current policies or would like a quote on a new one, we would appreciate the opportunity to show you the difference working with an independent agent can make. Contact us today.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Life Insurance: Why Waiting Limits Your Options

Waiting to purchase life insurance just may limit your options. Here’s how to maximize your choices when buying life insurance.

Five Cents a Week for Life Insurance? Wait…There’s more!

There Was a Life Insurance Version of the Milk Man and Home Doctor Visit

The Difference Between Term Life Insurance and Permanent Life Insurance Explained

This is a Great Way to Start with Life Insurance

A Closer Look at the Life Insurance Waiver of Premium Benefit

Many Life Insurance Policies Contain a Powerful, Hidden Benefit

Can I Buy Life Insurance if I’m Dying?

Insurance Can’t be Secured Following a Calamity. The Time to Act is Now

The Two Biggest Factors That Make Life Insurance Rates Increase

Age and Health Are the Biggest Contributors to Increasing Life Insurance Costs

Life Insurance: Buy What You Can Afford

Buying a Large Amount of Life Insurance May Be Pointless If You Can’t Afford It

Why an Independent Agent is Your Best Option for Life Insurance Quotes

Choice is Good. It’s Just One Reason an Independent Insurance Agent May Be Best for You.

Getting Married? Now’s a Good Time to Consider Life Insurance

Marriage is one of those benchmark times when you should have your life insurance reviewed. We can help.

Why Life Insurance Should Be a Fundamental Part of Your Financial Plan

How Are You Protecting Your Money Machine?

Leave a Comment