Pre(Car)ious Insurance, Part 7

| Right | August 15, 2015

(A customer storms in waving his contract in the air.)

Customer: “I want this insurance coverage OFF! I returned this car yesterday and I realized today that the insurance coverage is still on here!”

Me: “Okay, let me have a look. It looks as though you accepted our collision coverage on the vehicle when you picked up.”

Customer: “But I didn’t even get in an accident so I would like a refund.”

Me: “Oh, I’m sorry, we can’t refund you for that just because you did not get into an accident. You agreed to take the collision coverage and would have signed for it on your contract.”

Customer: “No, this is stupid. I want this taken off now.”

Me: “I’m sorry. You have signed off on a legally binding contracting accepting our collision coverage for the four days you rented a car from us.”

Customer: “Well, I didn’t even look at what I was signing so it’s not my fault.”

Me: “We go over every contract verbally with our customers and explain each part that we need a signature on. We also do not add coverage on without discussing it with our customers first so it seems you agreed to it at the time.”

Customer: “WHY WOULD YOU CHARGE ME FOR COLLISION COVERAGE IF I DID NOT GET INTO AN ACCIDENT, THOUGH! I WANT A REFUND!”

Me: “Again, sir, I’m really sorry, but you signed for this on a legal contract.”

Customer: “Let me speak to your manager NOW!”

Me: “Absolutely.”

(My manager has been sitting in the back office listening the entire time. He walks out, and the customer repeats everything again.)

Manager: “Sir, you put your signature down on a legal contract accepting this coverage. I wish that I could get a full refund on my yearly insurance just because I did not get into an accident, but unfortunately it does not work that way.”

Customer: “Well I didn’t read what I was signing. This is f****** ridiculous. I ACCIDENTALLY SIGNED IT!”

Manager: “WELL, THEN, WE ACCIDENTALLY COVERED YOU AND THE VEHICLE, NOW DIDN’T WE? I suggest next time you put yourself in the position of signing a LEGAL DOCUMENT that you will spend time reading it and pay attention when someone explains it to you.”

(The customer promptly left.)

 

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