Posted On: August 18, 2008, 1:02 pm CDT

Posted By: M

I will agree with you to a point. However, ultimately the consumer is responsible for what they purchase & sign. I can't tell you how may people have just wanted to save $$, could care less what quote provided better coverage, etc. I can talk with some insureds until I am blue in the face and they still don't grasp the concept of insurance - simply beacuse they don't want to & think that they are paying you to be the agent & cover their A**. Agents can only go as far as the insured's allow. We explain, we try to change/modify coverage to make more things covered for them, give them higher limits, etc. but for may people it comes down to the Almighty Dollar. It's frustrating!!!

It's sad really. So many don't even think about insurance until they need it.