Not Much Assurance About The Insurance, Part 11

, , , , , | Working | June 15, 2018

(I recently got a new car insurance policy, and a month later, my husband’s car insurance is also up for renewal. As we weren’t married when we renewed our car insurance last year, my husband tells me I should cancel my new insurance and go on his plan to save money, which I agree with. But now I am a little concerned, as I don’t know what the cancellation policy is for my insurance. I have a conversation with the company.)

Insurance Agent: “There is no cancellation fee, but there is a charge, based on how long you have been on the policy and [a few other factors].”

Me: “Okay, so could you tell me what the charge would be, then?”

Insurance Agent: “Unfortunately, I am not able to do that. Because you haven’t been with us for long, I would recommend that you wait to cancel until your renewal date.”

Me: “So, there is no way to tell how much I would pay to cancel?”

Insurance Agent: “I couldn’t tell you that until you cancelled. I understand this is a little confusing.”

Me: “Confusing?! This is aggravating and makes absolutely no sense at all!”

(Fed up, I said goodbye and called my husband to tell him about the conversation. He was very confused and encouraged me to call back to see if I could get a clearer answer with another agent, but I was at work and had already wasted enough time with the call. A very short time later, my husband called me back, and told me he called the insurance company himself, and they gave him an answer right away, saying that I would either be getting back or paying between $5 to $20. I was baffled. If this other agent didn’t know, she should have asked someone! I couldn’t believe she told my husband literally the exact opposite thing that I had been told. I am now on my husband’s plan and we are saving approximately $800 a year on insurance.)

Related:
Not Much Assurance About The Insurance, Part 10
Not Much Assurance About The Insurance, Part 9
Not Much Assurance About The Insurance, Part 8

Your Friend Doesn’t Care About The Blood Of Jesus

, , , , | | Right | May 22, 2018

(My coworker takes a call.)

Customer: “I’m calling to tell you I paid my payment.”

(He has gotten a cancel notice on his auto insurance.)

Coworker: “Our records indicate the last payment was paid on [date], and the next payment was due on [date], and it wasn’t made, so the policy is cancelled.”

Customer: “By the blood of Jesus, that payment has been made!”

Coworker: “I’m sorry, sir. The payment was not posted to your account.”

Customer: “I gave my friend money, and by the blood of Jesus, he paid my insurance.”

Coworker: *stunned silence*

Hippocrates Is Rolling Over In His Grave

, , , | | Healthy | May 13, 2018

Me: “Thank you for calling. How can I help you?”

Doctor: “I need to verify my patient’s coverage. Her number is [number].”

Me: “I’m sorry, ma’am, but there is a problem and I can’t access that account. I will have to forward this issue over to our technical department, and they will get back to you as soon as possible.”

Doctor: “I need this information immediately. Can I talk to them now? It’s very important.”

Me: “I’m sorry, they are very backed up over there and everything is handled in the order it is received. You will be added to the queue and they will get back to you later today.”

Doctor: “What if she was dying and I needed her coverage information? What then?!”

Me: “Ma’am, with all due respect, if the patient was dying there in your office, I would hope you would treat her regardless of her insurance coverage.”

Doctor: “Well, yes — I mean… Just make sure they call me today.” *click*

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A Verbal Disagreement

, , , , | Working | May 9, 2018

(My youngest daughter is autistic, and nonverbal. She’s over 18, but I have power of attorney. Because it gives her better coverage, she is on her father’s — my ex husband’s — insurance plan, which I am not on. Invariably, whenever I have to try to do anything with her insurance, I have some trouble, but this last time was the worst of all.)

Representative: “Hello. How may I help you?”

Me: “Hi, I’m calling about policy [number] on behalf of my daughter, [Daughter], whose birthday is [date]. I’m [My Name], and if you look at her file, you’ll see I have power of attorney to handle her coverage.”

Representative: “I see. Are you the policy holder?”

Me: “No. My ex-husband is the policy holder, but I have power of attorney to handle my daughter’s policy, as well.”

Representative: “Hmm… Can your daughter confirm that with me? Just put her on the phone and have her give me her name and birthday.”

Me: “No, I can’t do that. If you look at the note on her file, I have power of attorney because she’s nonverbal. She is literally incapable of speaking with you.”

Representative: “Ma’am, if you’re not the policyholder, and you can’t get me her permission, I can’t help you.”

Me: “You already have permission in the form of power of attorney; it’s in her file. Are you looking at her file?”

Representative: “Ma’am, I can’t do anything for you or for her without her permission.”

Me: “She is not capable of giving it over the phone. She is nonverbal. That is why I went to a judge, and was granted a notarized power of attorney, which I then sent to your company to have filed with her records. You have access to that file; if you’ve entered in the information I’ve given you, you can see that. Do you need me to repeat any part of our information?”

Representative: “Ma’am, your daughter is a legal adult. I need her consent before I can speak to you.”

Me: “May I please speak to your supervisor?”

Representative: “Ma’am, you are attempting to access information about a policy that you have no right to. I have no obligation to continue this call.”

Me: “Will you listen to me—”

Representative: *hangs up*

Persistence Is Assured

, , , , | Working | May 8, 2018

A couple years ago, I got some car insurance quotes online. As usual, I received follow-up calls from most of those insurers trying to get me to actually purchase from them. I let them all go to voicemail since I didn’t want to deal with them, and they all gave up within a week.

All except one, that is. This guy called me every weekday and Saturday for six months and left a minute-long message every time. It clearly wasn’t a robo-call because the messages were not the same; the same basic spiel, but with enough changes in tempo and word choice that it had to be a human.

Yes, I could have answered him one time and just told him I wasn’t interested, but after a couple of weeks I was curious how long he would keep it up. I don’t know if this level of persistence was corporate policy, a manager’s instructions, or the salesman just not using his time wisely, but in any case, he wasted over two and a half hours of company time on a potential customer who clearly wasn’t going to respond positively.

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