 Why is it magnitory to have insurance when it is not guaranteed to cover anything? |
| Car insurance is a scam considering you pay and it is not gauranteed to cover anything if something happens to you. Is there anyone else that thinks people should not be forced to pay anything that ... |
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 Can insurance companies find out if you are married even if you didn't change your name? |
| I just want to know if I got married and kept my maiden name and I still currently live with my parents, will the car insurance company know I'm married without me actually telling them? do they ... |
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 Life insurance on my dad as i am his carer? |
| can i take out life insurance on my dad??, i am his carer and he has muscular dystrophy......... |
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 My grandfather found an endowment that matured after 64 yrs the insurance company sent him a check for 226.00? |
| dollars. That does'nt seem right. The insurance company said they dont have any paper work to accompany the check. but its hard to believe after 64yrs its worth was only 226.00. Any advice out ... |
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 Insurance claims query? |
| Where does an atheist stand against what is classed as an 'act of God'?... |
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 Insurance with Pre-existing thyroid --Get 10 points!!!!? |
Hi All,
I was diagnosed with hypo-thyroid with a insurance that I left long back, now my doctor was contacted by my new insurance and they told them its existing. My insurance won't ... |
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 How can I get free/cheap medical insurance, I'm 14? |
| I need to have medical insurace in order to partipate in a sport at my school, but I never had medical insurance and havent been to a doctor since I was 7. My parents said to just not take a sport so ... |
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 Is it worth getting Home content insurance ? |
I have about 6k worth of home cinema gear , Should i get insurance ?
My main question is , say someone steals it how easy is it to make a claim ?
Do these insurance companys pay ... |
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 Fire fraud? |
| who do i conrtact if i think soemone started tehre house on fire to not make payments and collect insuarnce. cause they bough ta new house putting people in danger next ... |
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| Does insurance cover a car that got in a wreck when breaking the law? |
| i had a friend drinking under age and drove and total her car will insurance she has cover it?... |
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 Health Insurance with a congenital heart defect? |
| I need to purchase private health insurance for my son, who was born with a congenital heart defect. He has had surgery to correct (3 years ago) and requires no additional treatment. He does see a ... |
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 Why are there people that are uninsured? |
| I know this may sound silly but i only know what I do from my limited perspective. Im my state we have medicaid and health plus for low income families. Can someone explain to me why is it that with ... |
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 Can i buy life insurance after heart surgery? |
| I bought 30yr term @ age 40,am now 47. 4yrs ago i had a heart bypass. In 5 yrs my premiums will be out of reach.Any thoughts?... |
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dumbuglyweirdo | Should you have to explain to grown-ups who buy insurance that there may be a deductible? |
If they submit claims all the time, they should know there will most likely be a deductible, right? Dependent upon several factors....
Additional Details
I'm not an insurance agent. I sell cell phones and other little things that go along with it. But I am surprised that some people want the insurance on their pricey phone till they hear about the deductibles.... Then they're like, well so and so threw a phone in the washer and got a free phone covered by insurance. But see, it was a different insurance. *sigh* If I leave out about the details of the insurance, someone could come back mad at me and say I misrepresented it all and cancel the contract though.... |
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Tom Z
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This touches on one of my pet peeves. That you can go through 16 years of education and never have an opportunity to learn about the practical things in life that you will be exposed to, such as auto insurance, life insurance, health insurance, mortgages, checking accounts, budgeting, credit cards and the stock market.
So very bright people can graduate from college without ever having the opportunity to learn even the basics of what they will need to know about business. Even though every single one of them will be buying insurance, dealing with banks, investing.
So for me, I am never surprised at people's complete lack of business knowledge. It is just not built in to our educational system. |
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acermill
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One would think they are informed, but it's amazing how many folks are dumb as a box of rocks when it comes to insurance and finance. If you doubt that, just take a look at some of the questions posted in these forums. |
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justwondering
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You - the insurance agent or employee - are the experts in this field. So, yes it is your job to make sure your customers understand your product. Every customer - every time. |
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♥ Uwish ♥
 |
This is funny because I explain to my insured's all day long they have to pay their deductibles.
That is why you pay for insurance, to only have to pay your deductible, rather than the whole cost. |
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zippythejessi
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Unfortunately, a good many people refuse to take responsibilty for themselves and need their hands held like 2 year olds for everything. |
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Dont_taze_me_bro
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HINT: People are stupid. |
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MSAD
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I try to explain to all customers if a deductible applies. Spending the few min to tell them what their deductible is and that it applies saves me a bunch of headaches in the future. |
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mbrcatz
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If you're the agent, you have to disclose the deductible both at the time of sale, and every time a claim is filed.
The higher rates paid by frequent claimants compensate you for your time.
Patting backs and holding hands is part of being an agent. |
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