Originally Posted by MacCool So...you think it's the insurance company's obligation to remind the insured to get appropriate insurance for the vehicle he bought? Is it a plumbers job to
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10-21-2011, 08:51 AM | #196 (permalink) | |
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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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10-21-2011, 08:56 AM | #197 (permalink) | |
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I'm not coming after ayone. However I had my share of discussions with different car insurances and finance companies about coveraged with financed vehicles throughtout the years that is why I have posted not my opinion but what they have told me. This is now a dead discussion for me since now you want to make it personal!
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10-21-2011, 09:27 AM | #198 (permalink) | |
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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. Last edited by MacCool; 10-21-2011 at 09:37 AM. |
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10-21-2011, 09:57 AM | #199 (permalink) | |
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Your suggestion that Progressive should just pay the claim is based on the assumption that he did buy a policy that covers the situation, yet no one...no one...can prove that he did. |
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10-21-2011, 02:09 PM | #200 (permalink) | |
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This isn't personal and I suggest you calm down. |
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10-21-2011, 02:17 PM | #201 (permalink) |
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There you go again,, suggesting I calm down?
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10-21-2011, 02:33 PM | #202 (permalink) | |
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10-21-2011, 03:09 PM | #203 (permalink) |
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Didn't you say "This is now a dead discussion for me since now you want to make it personal!"
So why are you posting again? Anyway, big hug to you fella. No need to calm down, just don't accuse me of making this personal. I don't care enough... |
10-21-2011, 04:21 PM | #204 (permalink) | |
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The agent will not be held responsible but people should always have a good knowledgeable agent. I worked as an agent for 6 months (worst job ever) and knew this by the first week. So in other words... yes. |
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10-21-2011, 05:29 PM | #205 (permalink) |
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Yea, i take responsibility for not checking or even keeping any documented material. Only thing i can do is move forward and learn from my mistake even thou i still believe i did purchase full coverage.
I am starting to think Z's and me dont get along...my 350z totaled on me too but i got my money back on that one. |
10-22-2011, 11:42 PM | #206 (permalink) | |
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10-23-2011, 01:25 PM | #207 (permalink) |
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I have had alot of people tell me if i dont stay positive and look forward in the situation, no matter what nothing else will help. So my next hope is the state.
Thanks! But the first 3 days are the worst because you cant think with a clear mind =/ |
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