no it wasn’t it was on same page , some people need to always be right , but I can take it ,can’t play anymore , got to clean up to go out and I’ll be wearing a Hugo Boss shirt and jeans and Italian boots , thought you would like to know

You are correct, agents can’t control an insurers premiums. However, good agents work with an extensive portfolio of insurers and should know which companies will offer the best rates for each clients individual situations. Good agents also answer the phone or get back to you quickly and are both friendly and helpful. The Villages insurance wasn’t cutting the mustard on any of those fronts so we dumped them about three years ago.

Of course they did, fresh meet always gets the attention. Service levels are based on the number of agents/sales folks ratio to policyholders. As that ratio increases response decreases. When you have a claim is when you will find out how good they are. My point on the doctor appointment is that the doctors are usually more critical to my life than an insurance agent. Can't imagine why I would need an insurance agent to call me back the same day.

Did it help him get lower insurance premiums?

The post I was responding to was on page #5. Your response was on page #6...

I responded to the post on page #5 before flipped to page #6...

I don't "need" to be right... I WAS right...

Playing Eurotrash dressup tonight? Cool...

No, but he did stay at a Holiday Inn Express last night...

[QUOTE=JMintzer;2209189]The post I was responding to was on page #5. Your response was on page #6...

I responded to the post on page #5 before flipped to page #6...

I don't "need" to be right... I WAS right...

Playing Eurotrash dressup tonight? Cool...[/QUOTE OH My So Huffy congratulations your now up to 7,883 posts in a little over 2 years , You DA Man

At least I've learned how to use the "Quote Function"...

And when you've lost the argument, you count posts...

ha ha ha as I said You DaMan 7, 891 and still going , sorry I can’t play any more I’m going to gym , I have a life to live

podiatrist can never win

They have already seen da feet

:BigApplause:

https://media.tenor.com/-WXAJZt8UMYA...ba-dum-tss.gif

You are now my "arch" enemy... ;)

Well, we know you can count... So you got that goin for ya'...

///

I forgot to thank you for the Eurotrash compliment , that’s the look I’m always going for

Still haven't figured out the "quote function", I see...

How's that "life" you had to get to goin"?

I just got my insurance renewals. I wasn't too concerned because I haven't had any claims and I have small car and small home. Thought it might be a little above inflation rate.

Auto is going up 26% and home is going up 67%!

I am looking elsewhere for insurance. The first company I called for auto told me that I had a bargain. He told me that he could beat my price if I reduced my liability coverage from $250,000 to $25,000. He said that the average bodily injury claim in Florida is only about $15,000 so I was over-insured.

I am still looking!

Wow! People do not buy liability insurance for the average claim. If so, they would self insure. They insure for the possibility of having a bad claim against them. Agent is looking at getting a claim filed against him or her for making a "bad" mistake.

LOL. I think you are underinsured. I have $1 million in liability. One way to reduce your auto insurance is to drop the uninsured motorist coverage. I have zero. I would never file a claim for that, and it is mostly redundant with medical insurance.

I have a $1 million umbrella policy. The good news is that it went down 1%!!

I will check on dropping the the uninsured. That is the second biggest premium - behind bodily injury liability.

The issue is that the growth in houses doesn't match the growth in agents at TVI, and they have decided to limit their staff growth. The other issue is that with the entire insurance landscape changing in FL due to last year's hurricane, the agents are swamped with above average number of calls to look at alternative pricing.

When insurance rates go up with about inflation, no one much cares. .
when rates go up exponentially higher than inflation, people care, and they aren't staffed for everyone wanting an alternative price which might not exist from their list of suppliers.. .

Realize that all prices in FL are going to go up, and greater than inflation. .

Labor pricing is going to continue going up as the higher rates are sought in Orlando. .
the catch22 of living in rural FL with a major city 60 minutes away. . either you spend more to keep good people or you get by with mediocre people

pick your poison

It's estimated that 20% of drivers in Florida are uninsured. That's why UM insurance isn't cheap.

It covers much more than medical bills. Damages from accidents include money for pain and suffering, disability, death, etc. UM coverage pays for all elements of recovery caused by and uninsured, or underinsured driver.

Consider the claim of the woman cyclist injured by a hit and run 95 year old. She suffered devastating injures which will last a lifetime. This could happen to anyone. Underinsured coverage will at least minimize her damages to some extent

So you need both uninsured and underinsured coverage to protect you and your love ones from such a loss. It's a must have coverage in Florida for sure.

Sorry, but I don't agree. Most people don't have enough uninsured motorist coverage to pay for the things you mentioned, or to get a good lawyer to take your case. In most cases, the uninsured motorist coverage would be wiped out paying for the medical bills when you already have medical insurance to cover your bills. It's redundant. For pain and suffering, you would need to sue your own insurance company, which I would never do. I have plenty of medical coverage to pay for my own medical bills, and that is all I need. What is the point of paying for insurance that I would never use?

Speak to Mikalya at Farmers insurance on 441 next to Babettes. She’s excellent.

Uninsured motorist coverage is not a primary payer for med bills, Medicare or health insurance is. There is no legal requirement for UM to pay for med bills and Medicare can not pursue payment for med bills from UM coverage. Apparently your theory is Medicare pays and UM pays the med bills, really?

You don't have to "sue" your insurance company to get UM benefits just as you don't have to sue them to get damage to your car paid for.

Worse case scenario, you get killed by a UM. Few med bills. Happy recovering nothing?

Good luck!

First of all, I don't have Medicare Part B or D, I only have Part A. I have my Federal retiree insurance with Blue Cross. Who pays first is very complicated, but UM insurance is always sold as coverage for medical bills resulting from an accident. I don't need that, and will not pay a UM premium for it. I assume that my medical insurance company would require reimbursement from any UM claim that is approved, thereby reducing the total coverage amount. The only other thing that UM coverage would provide is a reimbursement for "pain and suffering". Are you saying the my insurance company will just send me a check for that without requiring proof or a lawsuit? In any event, I do not want to be involved in a lawsuit for pain and suffering. I will just self insure for pain and suffering.

What makes her excellent? How is she better than other agents?

I think if you reduced your liability coverage, you would not be able to buy an umbrella policy. You may want to check with State Farm and Allstate for auto insurance because they both offer liability limits of up to $1 million, which might allow you to cancel the umbrella policy. Some auto insurance companies will only sell you $250K in liability coverage.

Probably not a good idea to use Usaa.

USAA cuts 300 more jobs after reporting first loss in company history. 1.3 billion loss

been a very rough year for insurers. . hence the price increases nearly everywhere

Dwelling deductible
 

You may be able to lower your premium by increasing your deductible. Sometimes if u have no claims in 3 years u will be ahead.

Be careful, a lot of insurance companies are pulling out of FL or cancelling the insurers coverage. At least you know The Villages Insurance will offer house insurance. Be hard to sell houses if no insurance was being offered.

Florida intensifies oversight of insurers after they cut disaster estimates. Today’s news.

Rates should be going lower. Not higher

So how does one be careful?

not buy from a carrier who will pull out of the market at some point in the future, which is unknown today?

not buy from a carrier who will go bankrupt in the future due to currently unforeseen events?

really, please explain how you are careful so that we know to what you are specifically referring

interesting. State Farm quote was almost $800 more than my latest renewal bill from Travelers (which went from just under $900 to $1450 for my upcoming July 1 renewal) for identical coverage. Allstate was almost $1000 MORE. This is for a 2/2 Colony built in 2009 with a new roof in 2014). Make sure the quotes you get are for IDENTICAL LINE BY LINE ITEM COVERAGE because most of the online quotes are missing a LOT as they just take basic info then toss out a number. My Travelers policy happens to be from T.V. Insurance but I haven't spoken with them since we moved in 6 years ago wrt HO insurance.

. Price increases also due to the increase of value of homes and rebuilding if needed heaven forbid. Homes have at least doubled in the last few years.

For this exact reason we left The Villages insurance. We found Lassiter-Ware Insurance Brokers. Offices Leesburg and Ocala and other surrounding areas. Their customer service is excellent. None of this waiting for a response in a few days as that is just ridiculous. Gina Rush is a top-notch agent at 800.845.8437 Ext 202.

the best way to avoid high premiums with Villages Ins. partners, is to switch to State Farm. this comes from personal experience.

Judging from the news, your house insurance will need to provide that coverage, the way Tezlas and a few other drivers are driving into homes lately. .

:cus:

What was the reason? Allstate Agents also have independent companies they offer. Were you not offered a quote with one of those companies!