Posted On: August 29, 2007, 1:15 pm CDT

Posted By: concerned agent

Great point! When you buy insurance on line there is no assurance the party on the other end is even licensed. The on-line company does not know nor do they care whether you are adequately insured. Their objective is to get it on the books and gone. Then it is coveat emptor. There is no way to make oneself whole when, at a later date, they find themselves inadequately covered. The insulation of the on-line insurance company is so complete that you have no recourse. We have, as you said, dumbed down our society to the extent that most people now have the 'herd mentality' and mindlessly follow the rear end directly in front of them and do not think or look past that rear end to see where everyone is going. Sub prime loans was a classic example. Everyone was doing it so even if they could not afford it they mindlessly followed the leader(or rear end in front of them.)