Insurance
Lately I have had the misfortune to hear more radio ads than I am used to hearing. Guess maybe because I am listening to the radio more than I used to.
I have seen numberous ads on TV and I have to say that they are nothing compared to the ads I hear on radio.
Radio advertizing must be cheep indeed compared to TV advertizing because there is an abundance of questionable offers on radio as compared to TV.
You hear ads that are well formed. Targeted toward people needing insurance. Offering good deals. Rates that are more than fair. Then, at the end of the ad, there is a fast talking and barely understandable commentator filling in the details.
The details generally warn that coverage is limited and the service is not available in all states.
NOT AVAILABLE IN ALL STATES. What does that mean, really.
When companies offering insurance default on paying valid calims, the states harboring the clients that get screwed can option to prevent further abuse by banning any further activity in the state by the insurance companies in default.
So, when you hear or see that an insurance company cannot offer coverage in certain states, it may be because they have worn out their welcome there. Worn it out by collecting premiums and not paying valid claims.
A relationship with those kind of people will ensure dissapointment. Recourse? Unless you have lots and lots of money, there is no recourse because it takes lots of money to go to court even if you are sure you will win.
Then, if you do have lots of money, you probably dont need the insurance in the first place.
Got to remember, insurance does not prevent loss. Never! Sometimes it does not compensate loss. Ideally, it compensates loss, at least financially.
So, when you hear the fast talking fool at the end of the comercial, zero out the commercial completely. It was not real.
When you hear that coverage is not available in some states, figure that the company has gotten into serious trouble there. You dont want to do business with them. EVER!!!!! There is no possibility of rehabilitation. Once they are seduced by the dark side, they are gone.
Some of the more recent folk involved in this ‘dark side seduction’ include the ‘good hands people’ and other companies deciding not to pay on claims resulting from the Katrina dissaster.
Research and find out who these miscreants are. Lets make sure that their are rewarded with an intense decrease in business activit y.