Quote:
Originally Posted by Gauge
Is it a plumbers job to tell you what plumbing package is right for your house?
I don't disagree with you. Just adding perspective. But the progressive agent he/she got insurance from is not blameless. Even if he/she made a mistake and got the wrong insurance. Who walks in and says they want limited coverage on a 30-40 thousand dollar car? The first words out of my mouth as an agent would be "I recommend....".
In law paperwork talks. But, again, this is why I say he/she should switch insurance companies (and the poster is). State farm is a great choice. The agents from them have always been kind and informative to me. They make sure you understand fully what it is you are getting and not getting.
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There was a suggestion earlier in the thread that the OP bought his insurance from Progressive online and didn't have an agent. If the OP
did buy his insurance from an agent, it's hard for me to imagine that that agent
doesn't have a file on the insured, and in that file at the top of the heap is the declarations page. The declarations page tells the entire story. It clearly details what insurance the OP bought and exactly what coverage has and with what limits. Likewise, it's hard to imagine that his finance company doesn't have a copy of the declarations page. When the finance company asks the insurance company for proof of insurance, what the insurance company sends them is a copy of the declarations page. And of course, the insured gets a copy too. It's amazing to me that none of those three entities can produce that very basic, absolutely
fundamental, insurance document, the introduction of which would literally eliminate this entire discussion.
I don't disagree that the primary role of the insurance agent, if the OP has one, is to guide the consumer in his/her insurance purchase. As a customer service, that's the point of their existence, IMHO. As you note, however, the insured is ultimately responsible for that purchase. If the agent gives bad advice, that doesn't automatically shift the burden to the insurance company he represents, it merely gives the insured legal recourse to sue the agent for his bad advice after the fact (if he can prove it) -- after the insured has already covered the loss himself. The only thing that matters is the paperwork.