They lived happily prepared ever after.

Posted by tonyb on October 11, 1998 at 03:27:30:

In Reply to: Repost posted by sure-net on October 11, 1998 at 03:18:59:

I guess a debate is a jousting match of sorts. However, the biggest misunderstanding is not a
difference of opinion, but an actual mis-representation of authority. THIS is where the unfairness
lies. It has little to do with anything else. The industry has virtually tied the hands of policyholders
by denying basic claim information, i. e., how to compile and figure a claim, deductions, forms,
rights, adjusting principles, etc. This has nothing to do with fraud, no more than tax rights and
deductions have to do with tax fraud. Only by the public having access to adjusting information
equal to that of the company adjuster, is equity served. And, policyholders should not need a
special nanny to secure access. It must become available as income tax forms and deductions are to
income tax. We wouldn't dream of asking IRS to come out to our home and carry out an audit. And
we wouldn't dream of selling property, leaving pricing to the buyer. Yet that's how it is in the
insurance world, but ONLY by choice.

The companies, by and large, tell the public that they represent the public. This ploy is wrong.
Policyholders must eventually understand we are in the same position to say to the company 'take it
or leave it.' But that kind of arbitrary thinking is wrong for either side. In property claims we
resolve money disputes by a simple form of arbitration with binding results, if necessary.
However, it is usually best to FIRST know what you have coming, ASK for it, and work out
differences without arbitration.

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: I guess a debate is a jousting match of sorts. However, the biggest misunderstanding is not a : difference of opinion, but an actual mis-representation of authority. THIS is where the unfairness : lies. It has little to do with anything else. The industry has virtually tied the hands of policyholders : by denying basic claim information, i. e., how to compile and figure a claim, deductions, forms, : rights, adjusting principles, etc. This has nothing to do with fraud, no more than tax rights and : deductions have to do with tax fraud. Only by the public having access to adjusting information : equal to that of the company adjuster, is equity served. And, policyholders should not need a : special nanny to secure access. It must become available as income tax forms and deductions are to : income tax. We wouldn't dream of asking IRS to come out to our home and carry out an audit. And : we wouldn't dream of selling property, leaving pricing to the buyer. Yet that's how it is in the : insurance world, but ONLY by choice. : The companies, by and large, tell the public that they represent the public. This ploy is wrong. : Policyholders must eventually understand we are in the same position to say to the company 'take it : or leave it.' But that kind of arbitrary thinking is wrong for either side. In property claims we : resolve money disputes by a simple form of arbitration with binding results, if necessary. : However, it is usually best to FIRST know what you have coming, ASK for it, and work out : differences without arbitration.

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