It is about 2015 or 2016. I am a licensed insurance producer for one of the major US insurance companies and I take calls from people who are dissatisfied with their policies and/or the service they’ve received from a customer service representative.
In my position, I only speak with those who already have vehicle policies, and I have access to their full profiles and history.
My current caller has a less-than-stellar driving history, so he’s paying more than average for his policy and has recently been in an accident that caused minor damage to another vehicle, for which we have paid.
Me: “Thanks for holding, Mr. [Caller]. My name is [My Name]. May I ask why you’ve requested to speak with a supervisor today?”
Caller: “I own an auto body shop and my guys said there’s $20,000 damage to my car which you are refusing to pay, and my girlfriend and I were injured and you won’t pay our medical bills. I’m a doctor and I know that we’ll both suffer for years. You all need to get your act together and pay what you owe me. That’s what you can do for me, and I’m not taking ‘no’ for an answer again.”
Me: “As my CSR has already explained, the policy you purchased only covers damage and injury to others that you cause. There is no coverage for your vehicle or for injuries to you or any passengers in your car, so you are not entitled to any payment from us. I can quote the cost of adding coverage for any future incidents, but it won’t change the payout for any accident that’s already happened.”
Caller: “I paid good money, and lots of it, for my policy and you are so wrong. I’m a lawyer and I’ll sue. It’ll cost you big time. We’ll see who’s right. I don’t care how long it takes; I have loads of money — millions of dollars — and I won’t give up, so you might as well just pay me now and make it easy on yourselves.”
Me: “Since you are now threatening legal action, I can no longer discuss your situation; you’ll need to speak with a member of our legal team. Would you like to take that contact information, or would you prefer to be transferred now?”
Caller: “I worked in the insurance industry for years and I’m a tenured professor at the local college and teach insurance classes. I wrote the test you took to get your insurance license, and the state insurance people even call me for advice when they run into cases like mine. I know my rights and you’re going to fix this for me!”
Me: “Is [phone number] a good call back number for you?”
Caller: “Yes. Yes, it is. Finally, I seem to be getting through to you how ridiculous you’ve all been. I’ve already verified my address; that’s where you can send the check.”
Me: “I’ve noted in the call history of your policy that you’ve expressed your intent to take legal action, so any further communications will be through our attorneys. I’m disconnecting now; thanks for calling.”
This business owner/doctor/lawyer/millionaire/insurance professional/college professor/bag of hot air was just short of his twenty-first birthday and the insured vehicle was a 1990s era low-end Honda. I don’t know if he ever actually tried to sue.