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Smart Shopper Questions About Auto Insurance & Accidents
4405 messages, Last post on Oct 17, 2009 at 9:53 AM
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Replying to: juliagolia (Aug 02, 2008 8:09 am) I think you are finding a good course of action right now. Up until it was pointed out I didn't know they had policies for agency screw ups. Figured they just had to eat mistakes. Best of luck.
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Replying to: fezo (Aug 02, 2008 10:27 am)
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Replying to: houdini1 (Aug 02, 2008 11:00 am) |
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Replying to: euphonium (Aug 01, 2008 7:12 pm) |
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Replying to: houdini1 (Aug 02, 2008 11:00 am) "You want an appointment with us? Have E & O Insurance." That some states require this coverage is also consumer good.
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Replying to: euphonium (Aug 02, 2008 7:24 pm)
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Replying to: juliagolia (Aug 03, 2008 6:39 am) This type of coverage, errors & omissions liability, normally has some significant deductibles. Usually $5,000 is the lowest. Of course I don't know if that applies to your agent. In fact, their deductible could be even higher. But my point is that you need to deal firmly with the owner(s) of the agency. Threats of lawsuits will get you nowhere. Simply point out that it was their mistake and you feel it's reasonable that they step forward and take care of the matter. Assuming they have a strong relationship with Progessive they might even get the carrier to retroactively take on the claim. Doubtful but possible. At the end of the day, it is YOUR responsibility to ensure that your policies are accurate and up to date. But in this case your agent was given specific instructions and had evidence of what was needed. At the very least, as a new customer they should have gone over your policies with you when they were issued to ensure no errors. Your agent makes money on your business. Expecting them to provide service in return is not unreasonable. And finally, regardless of what happens, find a new agent. Your relationship with this agency is tainted and will never be perfect. A fresh start with another agent who knows the problems you've had before is the only way to go. Ask your friends and family for references. Don't just look in the phone book. Good luck. |
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Replying to: satire (Aug 07, 2008 11:27 am)
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Replying to: houdini1 (Aug 07, 2008 1:08 pm)
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Replying to: houdini1 (Aug 07, 2008 1:08 pm) OTOH, every carrier (insurance company) has required the agency to have E&O. Never had the carrier require the agent to obtain it unless writing surplus lines. But our agents do not issue binders/policies so YMMV. |
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