For years I’ve been going back and forth – who do I despise more, lawyers or the insurance industry? Whenever I read about frivolous lawsuits like the Fox News vs. Al Franken silliness I rate lawyers lower. Lately I’ve changed my mind. I now put the insurance industry at the bottom of the evolutionary ladder.
As part of the process for securing a loan for the new house, we had to get homeowner’s insurance. Shouldn’t be a problem, right? Well, that wasn’t the case. Janet made a call to AAA and was told that since she had made two claims within the past five years they didn’t want to cover the new house.
Never mind that the first claim was a water main break that she discovered almost immediately and she saved AAA many tens of thousands of dollars in repair costs. The other was a leaky water heater that ruined some floors that needed to be repaired. All in all not a bad record for a house that’s over 40 years old. But they didn’t want to insure the new, 18-year old house that statistically should have far fewer problems than the old house. I was immediately reminded of the problem Joe and Laura had when they bought their new place. Their problems were even written up in the St. Louis Business Journal. I was wondering if we would be in the same situation.
I decided to call my car insurance agent to get a homeowner’s policy through State Farm. State Farm told me that they are no longer selling homeowner’s policies in California; they had stopped selling new policies in May and they would only do a new policy for someone who is an existing customer. I pointed out that I’ve had my car insurance with State Farm since at least 1984. I estimate that I’ve paid them in excess of $30000 in that time for car insurance and never made a claim. I also told them that my townhouse was insured with State Farm through the townhouse association, so I was a current customer. State Farm replied that my townhouse insurance didn’t count and I would have to go someplace else.
I decided at that point that I was going to move my car insurance to whoever covered the new house, no matter what the cost. I was willing to pay more every year for car insurance, but those bastards at State Farm were never going to see another F’ing dime from me.
Janet contacted an insurance broker and got a call from Allstate. They’d insure us but it would cost a bit of money and the policy had a high deductible. We then got a call from Janet’s AAA agent, Ben Grande. He went back to the insurance board and basically told them to pull their heads out of their collective asses and insure us. He got us a policy that was slightly cheaper than Allstate. The deductible was still pretty high, but it was half of Allstate’s deductible.
The next day I called Ben about getting my car insured through AAA. He got all of my information and came back with a quote – $981. I told him that I had my bill for State Farm in front of me (it’s due on September 22) and, with my various discounts my next payment was for only $719. Ben was not happy to hear that. I was going to switch anyway because State Farm had really pissed me off.
Then Ben asked a simple question: “Is that $719 for six months, or a year?” “It was for six months,” I replied. It turns out that the AAA quote is for one year. So lets see; do I want to pay AAA $981 per year, or State Farm – who told me to go get screwed and that customer loyalty meant nothing to them – $1438 per year? Guess what I picked.
Dear State Farm Insurance,
You should at least buy me an expensive dinner, try to get me drunk, sweet-talk me, and give me a little kiss before you screw me. That would be the gentlemanly thing to do.
I apologize to all blood sucking leaches everywhere for the title of this entry. You have some redeeming value in medical treatments and are useful to society. State Farm Insurance on the other hand, are a bunch of bastards who will never see another penny from me.