Posted On: August 17, 2006, 7:37 pm CDT

Posted By: Alaska Agent

Wow, "Sassy" that was completely uncalled for. You call yourself a professional? That wasn't in the least. Don't attack your own pack – maybe some helpful ideas instead? Jacqueline can no more change bureaucracy than you or I. In Alaska, the state assistance programs have the same rules – there's no "explaining" to the assistance specialist – he/she just works there. Don't be a rude, boob – we're all in this together.

But Jacqueline…you do sound a bit angry…I agree with "it's never their fault" - after all, I started it. But if you're this angry/disenchanted after 2 yrs, you're going to be a basket case in 10. Enjoy the ride some. Yes, people take advantage of the system and yes, they don't make the best choices with their money, but don't let that affect your business. I remember the first couple years as a new owner – it's not easy – getting policies on the books to pay bills is crucial, but at some point you have to draw a line between your risk and making money. That's why we decided on minimum coverage we would write – you can do that (well, in AK you can) – the state might require less, but you decide how to operate as a business. Spend time on what's profitable – if flood takes up too much time, then don't sell it – if the non-profits won't buy because of the coverage offered then don't entertain. Or another approach, quote ballpark figures – not much time spent and you discover who's really interested and who's just spinning your wheels. By the way…it will get better – just be patient.

See "Sassy" just a few encouraging words and constructive ideas can go a long way. And "Caveat Emptor", although I agree with your general point, I don't agree with your choice. Will you (or can you) also bear the consequence and monetary loss if someone sues you? Do you let people ride in your car? Do you ask them for a certificate of health insurance? You may be covered, but your riders may not and when that uninsured drunk hits you and causes your rider a $100k doctor bill, he might sue you for not having adequate coverage for the riders in your vehicle. Maybe the coverage isn't required, but a civil suit can still happen and you could still lose. Not a good idea to not have at least UMBI.

And to Dan's comment/answer, I thought you were Ed – or were you not responding to my question? Because Ed is the one who says "shame on us" and felt screwed along with 700-800 people. Well, anyway, if you are Ed (Dan), whatever, and were answering my question…if you don't care about your investment then what are pissed off about? "Shame on you" for not reading…if that's the truth. Do you dismiss the deposit receipt from your bank teller too? 700-800 insurance agents told their customers "they didn't need coverage" even though they would have made more money by selling it to them…come on, now.