The Insurance debacle!

The insurance industry is almost a NIGHTMARE and it's getting worse! Why would I say something so bold? If you've had a claim against your policy or the policy of another insured person or entity, good luck getting reimbursed for your losses. If you've allowed your policy to lapse, due to not paying attention, you forgot to pay your premium on time, stupidity on your part, whatever! You'll find that your insurance company who you thought was there to take care of you in times of emergency and great need, will in reality treat you as a total stranger. DO NOT expect a friend in them, or a friendly voice on the other end of the phone ready to assist you through your difficult time. You'll actually find a seemingly caring person who is really GREED in disguise. Your insurance company is very interested in having your money to help them make more money - PERIOD , that's it, nothing else. Paying out claims today is not the priority for insurance companies that it once was not so long ago. Big companies like SAFECO and UNIVERSAL Underwriters are teaching their adjusters to deny all claims several times before settling. The motto is wear the customer down and make him settle for pennies on the dollar! If you've had a set back with finances or credit - you're out! A blip on your credit report now dictates whether you get insurance or not, and the size of premiums you pay for Home Owners and Auto insurance. What does a credit report have to do with insurance? You're not asking the Insurance company for credit! If you think this is ridiculous - do a little research on the internet and find out for yourself. My recommendation - dump SAFECO and UNIVERSAL and try to find an independent agent that can provide the kind of service we all expect from the billions of dollars we collectively pay to them each year! Good luck! You'll need it!