Posted On: August 26, 2008, 9:11 am CDT

Posted By: Good Agent

Dear CVanBrunt and Interested party, You are just stating the obvious. Yes, we are supposed to be there to take care of our clients and you are correct, the consumer is always right. Are you an agent? If you are then do you set down with your customers and explain all of the coverages. I know we do at our agency. I was merely stating that all agents should do that. However the internet purchasers, whoever they are, have no one to explain coverages. It is not a consumers responsibility to know exactly what they need. They need an agent to go over what coverages are available and compare it to what they have currently. Why do you think we have a license and schooling to sell insurance? Would you preform your own surgery too if you you went online and it explained how you could? Nothing is perfect. We don't live in a perfect world. But when push comes to shove it is still the agents job to sit down and explain to your customer the coverages they have available to them. Price is pushed way too much by advertising. You get what you pay for and for a lot of the people from Katrina. They were never explained to what they have or don't have.
We had a recent large amount of flooding here in Indiana and can you believe long time agents told there clients that they could not purchase flood insurance. Probably because some agent out there was too lazy to look it up to see if there client could or could not. So guess what. The client lost there home and contents and because they knew me they came to me asking questions. I explained that was in correct but now it was too late. I have there insurance now but I can't help get them coverage for the past. So all you agents out there. When is the last time you helped someone by sitting down with them like agents used to do?