October Theme Of The Month: Halloween!

Oblivious To The Obvious

| UT, USA | Criminal/Illegal, Money

Me: “Hi, this is [name]from [insurance company]. I’m calling because your policy cancelled for non-payment of premium.”

Client: “Again?! This happens every month! It’s not my fault though. Can you tell them it’s not my fault?”

Me: “I’m sorry?”

Client: “See, each time my payment has been due, I’ve been in jail. My probation officer is an a**. Every time I do something illegal he throws me in jail. Every single time!”

Me: “I can set you up on automatic withdrawal from your bank just in case.”

Client: “No, I rarely have money. How can I avoid this happening again in the future?”

Me: “Pay your bill on time?”

Client: “But, what about the jail thing?”

Me: “Um… stop breaking the law?”

Acts Of God

| Australia | Money, Religion

(My job is to process insurance claims made for home and contents damages only. I make an out-bound call.)

Me: “Good afternoon, this is [me] from [company] calling. Is [customer] available, please?”

Customer: “Speaking.”

Me: “Oh, good afternoon. I’m just calling in regards to the recent insurance claim made for your ‘outhouse.’ Do you have a few minutes?”

Customer: “Certainly.”

Me: “Okay, fantastic. We have received the report from [builder] regarding the damages to your ‘outhouse.’ In this report they have identified that the ‘outhouse’ in question is in fact a caravan and not an ‘outhouse.’ In light of this I’m calling to advise that it isn’t covered by your home insurance.”

Customer: *clearly doesn’t understand this* “But I use it as an outhouse, it hasn’t moved in the last 34 years. I use it to help those in need for a shelter for an evening or two. I’m doing God’s work here. It’s an outhouse.”

Me: “Ma’am, I understand that, and whilst I respect the use that you put it to, it doesn’t change the fact that it is in fact, a caravan. We won’t be able to provide coverage in this instance.”

Customer: “But I’m doing God’s work! Do you hate God? Are you a heathen?!”

Me: “No, ma’am, I do not hate God. I am not religious and whilst I respect that you are, religion has nothing to do with insurance. For your caravan to be covered in future by [company] you will need to purchase caravan insurance for it, but I must advise you that if you purchase this now, all pre-existing damage will not be covered.”

Customer: “HEATHEN!” *click*

America The Buttonful

| Buffalo, NY, USA | Money

(I work for an insurance company that offers several different auto-pay options. Many people choose to use their routing and account numbers, which means a break on installment fees. We can stop or postpone extractions, but, we need three to five business days notice.)

Customer: “Hi, my payment’s coming out tomorrow and the money’s not in the account. I need it to be postponed.”

Me: “I apologize, ma’am, but it looks like the debit tape has been sent to the bank. Once that happens, it’s an automated transaction that I cannot cancel or postpone.

Customer: “What do you mean, you can’t postpone it? This is America! You CAN and WILL postpone it!”

Me: “I’m very sorry. I’d recommend checking with your bank. They may be able to stop the transaction. A non-sufficient funds fee may be applied to your account on our end, though. Generally, we need three to five days notice to postpone these transactions.”

Customer: “NO, THIS IS AMERICA! All you have to do is press a button or flip a switch or something!”

In The Patient Out Hole

| Nottingham, England, UK | Health & Body

Me: “Are you likely to receive any in-patient treatment in the next 3 months?”

Caller: “No, I’m booked in for a colonoscopy, but that’ll just be an in and out!”

(I had to put the customer on hold for a few moments whilst I composed myself!)

The Lonely Star State

| Spartanburg, SC, USA | Geography

(I’m in the middle of explaining insurance coverages to a customer when I get to her roadside service information.)

Me: “…and you also have on here a 24/7 nationwide roadside service that will take care of your towing and any locksmith charges.”

Customer: “What is that?”

Me: “What part, ma’am?”

Customer: “24/7?”

Me: “Oh, that means 24 hours a day, 7 days a week.”

Customer: “Oh, and what does nationwide mean?”

Me: “That means all over the US, in any state.”

Customer: “Does that include Texas?”

Me: “Yes, Texas is part of the United States.”

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