Is anyone able to help me trace a e-mail ?

[RTHolmes]

that sucks.

the main questions i'm asked when renewing my policy, is if i'll be using any of my vehicles for commercial purposes. then they want an approximate mileage to and from work, which car i use mainly, what portions of their annual miles are to work, etc.

insurance is getting to the point where it is nothing more than legalized thievery.

*puts on insurer hat*

no it really doesnt suck. why should I pay quadruple the premium on my car insurance so someone else can trash their car on a track at no extra cost to them? its no different from age loading - why should I subsidise an 18 yr olds bad driving? insurance is about the most tailored product around - if you're a bad risk you pay more, if you're a good risk you pay less.

In most countries its also an extremely competitive market, meaning you get good value.

[CAP1]

*puts on insurer hat*

no it really doesnt suck. why should I pay quadruple the premium on my car insurance so someone else can trash their car on a track at no extra cost to them? its no different from age loading - why should I subsidise an 18 yr olds bad driving? insurance is about the most tailored product around - if you're a bad risk you pay more, if you're a good risk you pay less.

In most countries its also an extremely competitive market, meaning you get good value.

uumm....because i tow my race car tot he track?

or because i know my car isn't covered on the track?

[RTHolmes]

not sure what you mean, can you rephrase the question (if it was a question)?

[RTHolmes]

Yes what they do can be called evil

wow I didnt realise we had so many marxists around here, apparently offering goods or services for profit is now evil!

Well they're just playing within the rules that we allow them to play under.  It's wrong really, but can't blame them.  It's up to us to call for the rules to be changed back to fair.

You have to realize that really cracking down on these people

what exactly is "wrong" and needs "cracking down on"?

[68ZooM]

It started off really small.  When I joined facebook a while back there were only a few hundred people from my university on it, now if you aren't on it you are in the minority.  There are a plethora of privacy features that have been implemented to protect yourself from people you don't know. Anyone who adds friends they don't know aka. random hot girls in bathing suits OR allow strangers to see your profile, you are subjecting yourself to some level of risk.

Granted you can protect yourself from other facebook people and other online people, what I'm talking about is what gives them( facebook, myspace, yahoo, google (and the hundered other social places/search engines) the right to hold your info and use it or sell it to other online companies, for advertising, emailing you offers, ect, things of that nature, to many companies have our info probably more than you know about you, and what gives them the right to trade it around and stockpile data on you? that's what i really don't like.

[CAP1]

wow I didnt realise we had so many marxists around here, apparently offering goods or services for profit is now evil!

what exactly is "wrong" and needs "cracking down on"?

what's wrong and needs cracking down on, is when they go out of their way to try to not to pay when one of their insured has n accident. read back to my post about what the one ladys insurance company tried.

[grizz441]

Granted you can protect yourself from other facebook people and other online people, what I'm talking about is what gives them( facebook, myspace, yahoo, google (and the hindered other social places/search engines) the right to hold your info and use it or sell it to other online companies, for advertising, emailing you offers, ect, things of that nature, to many companies have our info probably more than you know about you, and what gives them the right to trade it around and stockpile data on you? that's what i really don't like.

IIRC you can also deactivate that feature.

[RTHolmes]

what's wrong and needs cracking down on, is when they go out of their way to try to not to pay when one of their insured has n accident. read back to my post about what the one ladys insurance company tried.

believe me theres way more fraud coming from the side of the insured than the insurer ...

I read your account, seems very strange as ive never heard of 3rd party liability limit as low as $5k. doesnt matter though, she still has a legal liability for the full amount of any damages to 3rd party person or property, whether its paid by her insurer, state or by raiding her assets through the courts. (afaik true for most, if not all states)

If you didnt get full compensation I'd recommend finding a better insurance broker.

[Skuzzy]

IIRC you can also deactivate that feature.

Yes, but you are at the mercy of companies like Facebook making changes to thier licensing agreements.  "Classmates.com" recently went through a change where they notified thier clients they were going to start selling all the information they have gathered and if you did not want that to happen, you have 30 days to notify them.

The problem was, the message was buried in a generic "someone has visited your profile" message.  They provided a link to a page you had to log into in order to deny them selling data they have/had on you.  The problem was the thousands of people who no longer knew how to log into the accounts and forgotten passwords.  They were screwed.

Then all the other people who did not notice the warning in the original email were also screwed.

It will happen at MySpace and Facebook one day.  It is inevitable.

[CAP1]

believe me theres way more fraud coming from the side of the insured than the insurer ...

I read your account, seems very strange as ive never heard of 3rd party liability limit as low as $5k. doesnt matter though, she still has a legal liability for the full amount of any damages to 3rd party person or property, whether its paid by her insurer, state or by raiding her assets through the courts. (afaik true for most, if not all states)

If you didnt get full compensation I'd recommend finding a better insurance broker.

oooo....i did. i had to force it out of them though. i have geico, and altrhough there was zero fault or liability on my end...the truck being parked and all.....they spent quite a bit of timne on the phone with me, helping me, advising me. i was and am very happy with the service i recieve from geico.

 i forget the insurance company the lady had. had i not been warned of the game they were going to try, i wouldn't have gotten full compensation. then that frakkin adjuster........i'd have liked to have kicked his ass..........and if i was 20, rather than 47, i very well would have for the crap he gave me........

[maddafinga]

wow I didnt realise we had so many marxists around here, apparently offering goods or services for profit is now evil!

what exactly is "wrong" and needs "cracking down on"?

Well cracking down isn't my phrase, but what's wrong is really a fairly lengthy list to be honest with you.  I understand that you work for an insurance company, but that doesn't mean that you need to wear blinders about policies that are wrong man.  I'm not saying that all of insurance is wrong either, in general, it's a very good thing.  I'm also aware that it's abused on both sides of the equation as well, I'm not under any illusions about that.  I'm also not saying that everyone who works for the industry is a bad person or at fault for any of the policies.  I worked for a rental car agency for a while, and I am very familiar with corporate greed that is really the heart of the  issue here.  I'm also just as familiar with the fact that the employees don't make policy and are not responsible for the bad ones that come down the pipe.

However, wrong is wrong man, and some things that are simply wrong should be obvious to any reasonable person, regardless of whether they'll admit to it or not due to, say, professional bias.  I'm not trying to say you're a bad guy at all man, or blame you for what the industry does either.  I'm just saying that a number of the policies that insurance companies carry out are wrong, obviously wrong, and need changing.  Nobody needs to be demonized because of that, or should take offense at it being pointed out. 

[RTHolmes]

ok, but what specifically?

[CAP1]

Well cracking down isn't my phrase, but what's wrong is really a fairly lengthy list to be honest with you.  I understand that you work for an insurance company, but that doesn't mean that you need to wear blinders about policies that are wrong man.  I'm not saying that all of insurance is wrong either, in general, it's a very good thing.  I'm also aware that it's abused on both sides of the equation as well, I'm not under any illusions about that.  I'm also not saying that everyone who works for the industry is a bad person or at fault for any of the policies.  I worked for a rental car agency for a while, and I am very familiar with corporate greed that is really the heart of the  issue here.  I'm also just as familiar with the fact that the employees don't make policy and are not responsible for the bad ones that come down the pipe.

However, wrong is wrong man, and some things that are simply wrong should be obvious to any reasonable person, regardless of whether they'll admit to it or not due to, say, professional bias.  I'm not trying to say you're a bad guy at all man, or blame you for what the industry does either.  I'm just saying that a number of the policies that insurance companies carry out are wrong, obviously wrong, and need changing.  Nobody needs to be demonized because of that, or should take offense at it being pointed out. 

insurance is a very good thing....as intended. as rt mentioned, there are a lot of people that try to rip off the ins companies......but by the same token, ins companies seem to pick the strangest reasons to try to raise rates.

[Skuzzy]

I'll save the details as it is simply too long to regurgitate.

A few years ago, my Wife was involved in a car accident.  She was behind another car, waiting at a stop light.  A car full of kids in a Mustang decided they were not going to stop so they plowed into my Wife and shoved her car into the rear of the car in front of her.

Clearly not her fault and no one would dispute that.  However, it took 5 years and a lawsuit to get the kids insurance company to fix her car.


So the insurance companies suck!
---
Next up.

I sat on a jury where a person was suing a doctor for negligence.  The basic premise was she refused to heed the doctors warnings and advice and she had a heart attack.  The doctor saved her life, but his insurance company paid a $6M judgement for his negligence in preventing the heart attack.

Setting in the jury room and listening to everyone talk about how they had a chance to get even with the insurance companies was disgusting.

Afterwards I told the insurance lawyers they got screwed.  They said it ended up being cheaper than they thought.


So the clients suck!

[grizz441]

I'll save the details as it is simply too long to regurgitate.

A few years ago, my Wife was involved in a car accident.  She was behind another car, waiting at a stop light.  A car full of kids in a Mustang decided they were not going to stop so they plowed into my Wife and shoved her car into the rear of the car in front of her.

Clearly not her fault and no one would dispute that.  However, it took 5 years and a lawsuit to get the kids insurance company to fix her car.


So the insurance companies suck!
---
Next up.

I sat on a jury where a person was suing a doctor for negligence.  The basic premise was she refused to heed the doctors warnings and advice and she had a heart attack.  The doctor saved her life, but his insurance company paid a $6M judgement for his negligence in preventing the heart attack.

Setting in the jury room and listening to everyone talk about how they had a chance to get even with the insurance companies was disgusting.

Afterwards I told the insurance lawyers they got screwed.  They said it ended up being cheaper than they thought.


So the clients suck!

Sucky clients + Sucky insurance companies = Sucky System?