With all due respect "Wrong?"  I'm an Agent myself and I say what I say out
of experience.  I don't claim to speak for everyone, least of all California
(for years an insurance nightmare) but I do speak for myself and the fine
companies I represent (companies I choose based on their history, financial
stability etc.) And what I said earlier stands, based if only on my own
business experience.  I could fight all sorts of battles based on California
and all its messed up laws etc.  Anyway, I'm enjoying the discussion.
Thanks

Bill

-----Original Message-----
From: Steven X. Schwenk <Steve@Schwenk-Law.com>
To: William Cooper <william_c_cooper@EMAIL.MSN.COM>
Cc: vanagon@GERRY.VANAGON.COM <vanagon@GERRY.VANAGON.COM>
Date: Thursday, May 13, 1999 10:34 AM
Subject: Re: screwed part deux..the insurance company's
offer??./salvagecert.???

>This topic is appropriate because it concerns saving money on your vanagon
but
>not aqllowing the ins. co. to rip you off.  A lot of people have to go
through
>thios ordeal and knowing what to do and expect can save a lot of
frustration and
>$$.
>
>With respect to your other point, you are wrong.  According to a major
study
>just released about two months ago, Insurance companies are keeping a
higher and
>higher percentage of auto ins. premiums and are paying out less and less in
>damage claims than in years past.  In california, profits on auto policies
have
>quadrupled in recent years because the companies thumb their noses at
>third-party claimants and do not pay the losses caused by their insureds
unless
>they are hauled into court.  If they did the same thing to their policy
holders,
>they would incur bad faith liability, but there is no longer any third
party bad
>faith in california, so they have nothing to lose...  only profits to gain.
>
>William Cooper wrote:
>
>> On another note, could we please drop the whole "screwed by insurance
>> company" thing.  I appreciate that there are jerks in every industry, but
if
>> the same company paid out $300,000 to $500,000 on your behalf because you
>> ran over some kid, your couple thousand a year in premium would seem a
>> bargain.  Trust me, I've seen companies pay claims they had no business
>> paying (big ones).  One thing I know helps (this is the shameless self
>> promotion part) is having an agent run some interference.  Companies
dealing
>> directly with insureds have a much easier time denying claims than when
they
>> have to explain that denial to there Agent.
>> I know, I know------SHAMELESS!!!!!
>>
>> Bill Cooper
>> '91 200 t
>> -----Original Message-----
>