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Hi everyone. Long time lurker, first time poster.
I've been working in insurance for the last 7-8 years and I've got some real doozies for SC's. I've got just a few short ones to start with. I used to work as a licensed CSR (I could quote and write policies) for about 5 years, I'm currently working in claims right now.
Because It's ILLEGAL.
We used to get a lot of refferals. One afternoon a guy comes in looking for a new auto policy. So I get all of his information, he likes the coverages and the price so I write up the policy. Then I ask him, "Would you like this to start today?" Sometimes we get people in who wanted to start at the next renewal in a week or so. The guy says, "No, I need it for a different day." Alright, so I ask him which day he wants. He says, "*yesterday*" Uh. No. I tell him I cannot back date the policy.
Then he proceeds to rant and rave for a good 15 minutes about how he got pulled over *yesterday* and he told the officer he didn't have his insurance with him at that moment, but had it. He had to take his paper into court to get the ticket for no insurance off his record. But since he didn't have insurance he was screwed. Of course it was all my fault.
Finally he says, "Alright if you won't help me I'm going to X agency who will do it."
It's still ILLEGAL.
Had a guy come into the office looking to start an auto policy, he reeked of booze so bad I could still smell it in my office an hour after he left. He didn't get violent, but I told him that since I smelled booze on him, I was refusing to write the policy. He kept saying, "I haven't been drinking at all." I told him he could come back the next day if he wished. Never came back. My boss told me that I did a good judgement call on that one.... when his driving record came back, guess what he had on it? Quite a few DUI's.
EDIT: I can't believe I forgot the BEST part of these two stories. Mr. Drunk was a former client of ours who was the one that referred Mr. I-lied-about-my-car-insurance-to-an-officer!
FOR WHO?
S1= Sister 1
S2= Sister 2
SM= Mother of the girls
Me=
S1 calls in for a renters quote. She likes the price so she comes in a little later in the afternoon. I start gathering all her information and when I ask for her SSN she says, "Well it's not for me it's for S2. She's pregnant in the car and doesn't want to come in." I tell her I need to see her and get her information. She asks if we can fill out all the information and then run it out to the car so her sister can sign?
No. So her sister comes in and I start the whole process over again. After about 15 minutes, I get to the SSN question again and she freaks out. Refuses to give it, I explain that it's for a property claim check. Nope. S2 goes back to the car. Then S1 says it's for their mother, then their boyfriend, then their cousin, etc. No. I kept telling her no. Finally I go in and talk with my boss and relay the situation to him. He confirms that since we 1. Can't get the right information from them 2. We don't know who the policy is for and 3. the person who is supposed to be on the policy isn't there we can't help them.
So I start to explain this to S1 and she says, ok and leaves. Not 5 mintues later pregnant S2 comes in freaks out on me again. Tells me I'm being racist and starts calling me names that I've NEVER heard in my life. My boss yells, "Watch your mouth." She yells back STFU *racist remark*
Ten minutes later SM calls me and appologizes for her daughters behavior and asks if they can come in and get the policy. (At least she was nice). I tell her no that since they chose to use racist remarks against me for no reason that they were no longer welcome at our office for any reason. The mother again appologized and said she understood.
Next week's edition: Collison with no insurance and 20.02 and The Lawyer over late bills.
Thanks for the great reading everyone!
I've been working in insurance for the last 7-8 years and I've got some real doozies for SC's. I've got just a few short ones to start with. I used to work as a licensed CSR (I could quote and write policies) for about 5 years, I'm currently working in claims right now.
Because It's ILLEGAL.
We used to get a lot of refferals. One afternoon a guy comes in looking for a new auto policy. So I get all of his information, he likes the coverages and the price so I write up the policy. Then I ask him, "Would you like this to start today?" Sometimes we get people in who wanted to start at the next renewal in a week or so. The guy says, "No, I need it for a different day." Alright, so I ask him which day he wants. He says, "*yesterday*" Uh. No. I tell him I cannot back date the policy.
Then he proceeds to rant and rave for a good 15 minutes about how he got pulled over *yesterday* and he told the officer he didn't have his insurance with him at that moment, but had it. He had to take his paper into court to get the ticket for no insurance off his record. But since he didn't have insurance he was screwed. Of course it was all my fault.
Finally he says, "Alright if you won't help me I'm going to X agency who will do it."
It's still ILLEGAL.
Had a guy come into the office looking to start an auto policy, he reeked of booze so bad I could still smell it in my office an hour after he left. He didn't get violent, but I told him that since I smelled booze on him, I was refusing to write the policy. He kept saying, "I haven't been drinking at all." I told him he could come back the next day if he wished. Never came back. My boss told me that I did a good judgement call on that one.... when his driving record came back, guess what he had on it? Quite a few DUI's.
EDIT: I can't believe I forgot the BEST part of these two stories. Mr. Drunk was a former client of ours who was the one that referred Mr. I-lied-about-my-car-insurance-to-an-officer!
FOR WHO?
S1= Sister 1
S2= Sister 2
SM= Mother of the girls
Me=
S1 calls in for a renters quote. She likes the price so she comes in a little later in the afternoon. I start gathering all her information and when I ask for her SSN she says, "Well it's not for me it's for S2. She's pregnant in the car and doesn't want to come in." I tell her I need to see her and get her information. She asks if we can fill out all the information and then run it out to the car so her sister can sign?
No. So her sister comes in and I start the whole process over again. After about 15 minutes, I get to the SSN question again and she freaks out. Refuses to give it, I explain that it's for a property claim check. Nope. S2 goes back to the car. Then S1 says it's for their mother, then their boyfriend, then their cousin, etc. No. I kept telling her no. Finally I go in and talk with my boss and relay the situation to him. He confirms that since we 1. Can't get the right information from them 2. We don't know who the policy is for and 3. the person who is supposed to be on the policy isn't there we can't help them.
So I start to explain this to S1 and she says, ok and leaves. Not 5 mintues later pregnant S2 comes in freaks out on me again. Tells me I'm being racist and starts calling me names that I've NEVER heard in my life. My boss yells, "Watch your mouth." She yells back STFU *racist remark*
Ten minutes later SM calls me and appologizes for her daughters behavior and asks if they can come in and get the policy. (At least she was nice). I tell her no that since they chose to use racist remarks against me for no reason that they were no longer welcome at our office for any reason. The mother again appologized and said she understood.
Next week's edition: Collison with no insurance and 20.02 and The Lawyer over late bills.
Thanks for the great reading everyone!
hits the fan I'll be noshing on popcorn and enjoying the show. 
I'm guessing this is done for tickets but not losses?
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