It's raining away here, still haven't seen the wind they predicted this morning, maybe coming. Cool, around 65 here.
Drew, my home, personal liability and cars is $2640 year, I've been with State Farm for 33 years and I might save a little somewhere else, but when I need them they never fail me.
for sure a good company Randy. Mine totalled over six grand and I had to do something. I need to sell the Jaguar frankly and get back to one car and one truck.
I told the agent I had no desire to leave him; he is independent and represents many companies. What I needed him to do is get me into a cheaper company, and he
has. Squeaking wheel for sure.
Having taught every word of the homeowner and auto policies while working for Travelers in Hartford, I usually know a lot more than the claims person who calls. I know they need good
paperwork and I know they don't want to be abused. Other than that, this is contract law and they have to obey the contract. Like in your claim, they only pay the full replacement value on either the building or contents if you actually replace the item. Otherwise they make a partial pay, usually about 60 to 80 percent of the claim and then wait for more paperwork to document why they should be paying more. It's all about the paperwork in that business, and making sure when the company auditor reviews the claim file, that all the right documents are in there.
Less about saving the last buck actually. Each person has about a hundred or two hundred files on his/her desk. They need to move them along and they get judged on number of days.
I found it interesting that when I called Geico this morning, once they had my social and address, they knew exactly what cars I was driving, down to the VIN numbers. Good old public records.
Not much is private for sure.