insurance companies & claims: allstate, usaa, etc, etc
 

My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

Now, for the last 38 yrs I've been getting insurance from USAA,
starting during my 2-yrs in the army.

So I say, yes, that's what I hear too, but USAA is supposed
to be different, they trust you, pay without problem.

(My step mother, way back when, worked there, in the
claims dept, and they themselves called that
department (among themselves) the "gift shop"!)

She says dream on, just wait and see.


QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

And does USAA actually stand out above the rest?


(Or was that long long ago, not in these days
of immense CEO-greed, of "charge the most for
whatever your product, and provide as small a benefit
as possible"?)


Should be an interesting thread!


Thanks!

David

insurance companies & claims: allstate, usaa, etc, etc
 

David Combs wrote:
My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

snip

QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

My parents had a claim when their house was broken into. No problems on
the claim. Multiple thousands of dollars.

I had a claim when my bicycle was stolen, and a couple of claims through
my credit card on extended warrenty issues. No problems. Claims were
worth a couple thousand dollars.

So...my personal experience is that I haven't had any problems with
insurance paying out. The above were through a number of different
insurance agencies.

Things may be different in other places however.

Chris

insurance companies & claims: allstate, usaa, etc, etc
 

David Combs wrote:
My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

Now, for the last 38 yrs I've been getting insurance from USAA,
starting during my 2-yrs in the army.

So I say, yes, that's what I hear too, but USAA is supposed
to be different, they trust you, pay without problem.

(My step mother, way back when, worked there, in the
claims dept, and they themselves called that
department (among themselves) the "gift shop"!)

She says dream on, just wait and see.


QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

And does USAA actually stand out above the rest?


(Or was that long long ago, not in these days
of immense CEO-greed, of "charge the most for
whatever your product, and provide as small a benefit
as possible"?)


Should be an interesting thread!


Thanks!

David

Guess you just want to poke a stick into something. USAA is a model for
the industry,
IMHO. And you can DAGS on reviews, like by Consumers' Union. And hear
the same.

How is that interesting? If you have the option, you definitely want
USAA to be your insuror. Seems a no-brainer to me. Only in NJ are they
sand-bagged with auto insurance for the huge assigned-risk pool there.

J

insurance companies & claims: allstate, usaa, etc, etc
 

"David Combs" wrote in message
...
My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

Now, for the last 38 yrs I've been getting insurance from USAA,
starting during my 2-yrs in the army.

__________________________________________________ __________
USAA is the absolute BEST insurance you can buy - no exception !!!!!!!!

Alstate says they give you two hands, but in reality it is one finger.

insurance companies & claims: allstate, usaa, etc, etc
 

On 13 Dec 2006 15:46:10 -0500, (David Combs) wrote:

My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

Now, for the last 38 yrs I've been getting insurance from USAA,
starting during my 2-yrs in the army.

So I say, yes, that's what I hear too, but USAA is supposed
to be different, they trust you, pay without problem.

(My step mother, way back when, worked there, in the
claims dept, and they themselves called that
department (among themselves) the "gift shop"!)

She says dream on, just wait and see.


QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

And does USAA actually stand out above the rest?


(Or was that long long ago, not in these days
of immense CEO-greed, of "charge the most for
whatever your product, and provide as small a benefit
as possible"?)


Should be an interesting thread!


Thanks!

David


I have had USAA for my car insurance for over 30 years with no
problems. Several claims over the years, no issues.
Now USAA home owners insurance is a little different. When I went to
insure my first house they asked if I had animals, yes, I have 2 dogs.
What kind of dogs they asked? 2 Pitbulls was the answer. No deal, we
will not insure with those kind of animals, went with California
Casuality at a bit higher cost. 10 yeas later, sell old house, build
new house decide to try USAA again for the insurance. What was the
first question they asked me? Still own those pitbulls?

--Ben

insurance companies & claims: allstate, usaa, etc, etc
 

Can't say I blame them.
Statistics don't lie.

"Ben Phlat" wrote in message
...
On 13 Dec 2006 15:46:10 -0500, (David Combs) wrote:


I have had USAA for my car insurance for over 30 years with no
problems. Several claims over the years, no issues.
Now USAA home owners insurance is a little different. When I went to
insure my first house they asked if I had animals, yes, I have 2 dogs.
What kind of dogs they asked? 2 Pitbulls was the answer. No deal, we
will not insure with those kind of animals, went with California
Casuality at a bit higher cost. 10 yeas later, sell old house, build
new house decide to try USAA again for the insurance. What was the
first question they asked me? Still own those pitbulls?

--Ben

insurance companies & claims: allstate, usaa, etc, etc
 

QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

OneBeacon has always paid off my claims promptly and reasonably.
When a driver with Allstate rammed me, Allstate was great.

I expect you have just had bad luck, or you go at it wrong.

insurance companies & claims: allstate, usaa, etc, etc
 

In article ,
(David Combs) wrote:

QUESTION: are *all* the insurance companies horrible,
or are there some that are better than others?

Some are worse than others, all are great at collecting premiums. You
will find out how they pay out only when you have a large claim. Your
odds are not good.

--
Free men own guns - www.geocities/CapitolHill/5357/ (add .com after geocities)

insurance companies & claims: allstate, usaa, etc, etc
 

I asked California Casuality if they cared what kind of animals I had
and they asked "Why do you have something really exotic?"
Answer, "No, just two pitbulls. No problems.

--Ben

On Wed, 13 Dec 2006 23:13:00 GMT, "bill allemann"
wrote:

Can't say I blame them.
Statistics don't lie.

"Ben Phlat" wrote in message
.. .
On 13 Dec 2006 15:46:10 -0500, (David Combs) wrote:


I have had USAA for my car insurance for over 30 years with no
problems. Several claims over the years, no issues.
Now USAA home owners insurance is a little different. When I went to
insure my first house they asked if I had animals, yes, I have 2 dogs.
What kind of dogs they asked? 2 Pitbulls was the answer. No deal, we
will not insure with those kind of animals, went with California
Casuality at a bit higher cost. 10 yeas later, sell old house, build
new house decide to try USAA again for the insurance. What was the
first question they asked me? Still own those pitbulls?

--Ben

insurance companies & claims: allstate, usaa, etc, etc
 

A lot of the problems with claims payment start with the sales/purchase of
the policy.
A majority of policy holders never actually read the policy, and think that
various types of losses are covered, but are plainly in the policy as
exclusions.
This may be primarily a problem with the agent letting people apply wishful
thinking as far as policy coverage.



"David Combs" wrote in message
...
My wife tells me that if we ever have a claim,
it will be almost impossible to get paid ok.

insurance companies & claims: allstate, usaa, etc, etc
 

Thanks everyone!

So now I forward them all off to my wife.

Cheers!

David