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Classic Chris! At first I was concerned because we just instituted the use of checklists as we feel it was a critically important function. Then I considered the source……feeling justifiably relieved!
I’d personally also like to experss that most individuals who find themselves without health insurance are usually students, self-employed and people who are laid-off. More than half with the uninsured are under the age of Thirty five. They do not really feel they are in need of health insurance since they are young and healthy. The income is normally spent on homes, food, along with entertainment. A lot of people that do work either full or part time are not made available insurance by way of their work so they go without due to the rising expense of health insurance in America. Thanks for the tips you share through your blog.
Good !
i was super confused because i read the first point without reading the first paragraph.
Very well done.
I have used checklist and declination signature pages for half of my 20 yr career. No E&O issues and only one complaint in all 20 years. I have since added Co-insurance clause example and definition to my declination checklist. I professional like it when other agents dont cover people correctly, makes my job alot easier. ” Were Price Meets Integrity” Our prices relect our coverages. We have Integrity in our quotes than far outways the premium.
I would like to know what exactly is an “uninsured motorist”. A man hit my car causing over 4 thousand dollars in damages. This man gave eronious information to the Police in stating that he had auto ins.
however the Ins. Co. that he provided sent me a letter informing me that he had been excluded from the policy he claimed. This man has no auto ins. and if he is not classified as an “uninsured motorist”,that my Auto.Ins. Agent informs me, does not apply in this case, Can you advise me if there is any way I can be reimbursed for the repairs to my car that I have already paid?
Great article…and funny too. I’m retired now, but we grew our agency on the backs of “peddlers”…agents with local connections, a gift of gab and only a general idea of what they were selling. Checklists are an essential part of the overall process of Risk Management. The more one can discuss operations and risk with owners, the better the program. Rarely did we come out of a session with a client where we didn’t add more, and better coverage. In the 60′s and 70′s, there were so many incompetant agents that picking was easy. And the checklist was a great tool, besides knowing your product and etc. Today it’s a lot tougher.