If they have this position I would be interested in applying for it
thank you
I do beleive that the public has no knowledge of their insurance coverages or lack of and it would be our responsiblity to make them more aware of this and before they actually have a claim.
Yes..It would be good for the consumers to have someone in their corner to help them to know if they are being told appropriately by a carrier that they have no coverage or claim.
It is funny how often I’ve carriers take this position and then change it once a lawyer gets involved.
Hopefully the new position would help lessen these types of situations.
Why spend the taxpayers money on this crap. Consumers have available many professional insurance agents to select from. If that’s not enough they also have the Pennsylvania Insurance Department.
I own an independent agency that represents many companies and my allegiance is to my customer the client. My agency’s licensed agents are all college grads with professional designations. I have many competitors who are the same. If a consumer feels he is not getting proper service or receiving the proper knowledge he can shop around. This is a free country and individuals have a responsibility to take care of themselves.
If a claim was denied previously and is then paid because there is an attorney, that does not mean that the claim should have been covered, only that is more cost effective to make the payment….
This from a State that has one of the largest populations of Public Adjusters in the country. Who will protect insurance companies from these crooks? Also, what role does the PA Dept. of Insurance play when this B.S. is implemented? I agree that this is crap. Just another democrat wanting to extend his sphere of influence and enlarge the size of big government. What will this cost the taxpayers of PA?
This crap is probably proposed by Democrat/Socialist/Progressives and bureaucrats in an attempt to add government jobs and therefore Democrat voters. Unfortunately government bureaucrats are a growth industry. Someone should enlighten them to the fact that most of them are not needed.
Let us not forget that insurance is the least tangible and the least interesting product for an individual or business to purchase. The PA House Committee is mistakenly assuming that the general public wants someone (other than their agt) to educate them about their insurance coverages and their rate structure. My opinion is that they do not. Insds just want to vent when their claim is not covered or their rates go up and we already have a vehicle in place for this at the DOI.
I think many of you are missing the point of this office, although I haven’t seen the legislative language. In other states where an office like this one has been created it often represents consumers (and agents) when companies are filing rate increases or are subject to regulatory action such as form filing where there is an argument about compliance with state law. See Texas as one example. I am not aware of a state where an office like this one has had a negative effect on agents, but has, like PUC offices, benefited consumers in the regulatory process. Take a look at rate increase for long term care insurance as an example of how an office like this one might benefit consumers in the regulatory process. There are times when government can play an important role in public policy and consumer protection.
This is to all who posted: I not only work in the industry but I live and work in PA. I know of no real issues here; there has been nothing in the news lately. I am quite certain thought that the state insurance commissioner has been very vocal in representing consumer interests. This is just another northeast PA democrat legislator attempting to create another government patronage position. And as for public adjusters, every fire loss that they “adjust” is just a chance for them to get in between the consumer and the carrier and inflate claims. the fact is that the consumer in PA is better represented WITHOUT more government. I have no idea what made this guy think we had a “crisis”, when the insurance department already regulates low rates for everyone, and we have caps on the assigned risk plan. There is no smoke, so where’s the fire?
I do not see why anyone would oppose a dept that stands up for consumer rights in an industry so clouded with legalities. Dollar for dollar insurance is the highest monthly payment people are paying other than a mortgage or car payment. Insurance premium are double the cost of utility bills and of services of that nature. To top that off insurance in intangible. Least I can see water flowing out of my spigot and have electricity warming my home. Car and HO insurance is there just in case something happends. When nothing happends you never see that money again. It is a rip off. Then when you have a claim you have to fight tooth and nail to get what you paid for. Insurance and banks all fall uder the same categlory in my eyes and should be heavily mandated. So all the help help given to the general consumer in this matter should be welcomed with open arms. Anyone that is opposed to it has nothing up their sleeves and is up to no good. These people just happend to be in the insurance industry. I am not surprised. Also, look at all the profits these companies are earing. One company made of $2 billion in profits in 6 months and I do not think all the profits were accounted for in that audit. There is serious price gouging and or price fixing going on here and we need help to police these scandalous companies.
Thank you State Rep. John Yudichak for your service. I am sure all you guys in insurance land are pissed. If not your probly throwing $$ at somebody to vote against it. You cant win all the time guys
I don’t know who your carrier is but my auto premium is less than $600 per year, with full coverage for comp/collision. My car payment is five times that. You are like the guys I golf with, who say it’s a rip off because he paid in for 11 years but got nothing back. All I had to point out to him is that it only takes one loss to bankrupt him, if his Chevy Avalanche gets totalled by a guy with NO insurance. The intangible is that insurance is paying for peace of mind, for protection. I think the trade off is well worth saving me the hassle of paying off a car that I no longer own or drive because someone else was too cheap to protect themselves. And forget about suing someone without insurance: they probably have no assets to recover. Ignorance must be bliss but I’ll bet you’ll be the first to cry foul when you get hit with an uncovered loss…who you gonna cry to then? I’ll bet you never read your declarations, much less understand them….
OH yeah, one more thing….you probably don’t have a 401K, do you? Because if you did, you’d know that some of that money could be invested in a mutual fund that includes insurance companies….if they make a profit, then you’d benefit. You probably complain about the price of gas without knowing that your pension plan invested in oil futures which were paying off record profits; that money went from your wallet, to the pump, to the oil company, to the fund to….your wallet, if you follow….
This job sounds like a complete waste of (taxpayer?) money. Insurance consumers already have an “advocate” for them, usually some ambulance chaser or the scum sucking trial bar….
If they have this position I would be interested in applying for it
thank you
I do beleive that the public has no knowledge of their insurance coverages or lack of and it would be our responsiblity to make them more aware of this and before they actually have a claim.
toni
Yes..It would be good for the consumers to have someone in their corner to help them to know if they are being told appropriately by a carrier that they have no coverage or claim.
It is funny how often I’ve carriers take this position and then change it once a lawyer gets involved.
Hopefully the new position would help lessen these types of situations.
Why spend the taxpayers money on this crap. Consumers have available many professional insurance agents to select from. If that’s not enough they also have the Pennsylvania Insurance Department.
geeee Rick who does the agent represent???
I own an independent agency that represents many companies and my allegiance is to my customer the client. My agency’s licensed agents are all college grads with professional designations. I have many competitors who are the same. If a consumer feels he is not getting proper service or receiving the proper knowledge he can shop around. This is a free country and individuals have a responsibility to take care of themselves.
Mike,
If a claim was denied previously and is then paid because there is an attorney, that does not mean that the claim should have been covered, only that is more cost effective to make the payment….
This from a State that has one of the largest populations of Public Adjusters in the country. Who will protect insurance companies from these crooks? Also, what role does the PA Dept. of Insurance play when this B.S. is implemented? I agree that this is crap. Just another democrat wanting to extend his sphere of influence and enlarge the size of big government. What will this cost the taxpayers of PA?
This crap is probably proposed by Democrat/Socialist/Progressives and bureaucrats in an attempt to add government jobs and therefore Democrat voters. Unfortunately government bureaucrats are a growth industry. Someone should enlighten them to the fact that most of them are not needed.
Let us not forget that insurance is the least tangible and the least interesting product for an individual or business to purchase. The PA House Committee is mistakenly assuming that the general public wants someone (other than their agt) to educate them about their insurance coverages and their rate structure. My opinion is that they do not. Insds just want to vent when their claim is not covered or their rates go up and we already have a vehicle in place for this at the DOI.
I think many of you are missing the point of this office, although I haven’t seen the legislative language. In other states where an office like this one has been created it often represents consumers (and agents) when companies are filing rate increases or are subject to regulatory action such as form filing where there is an argument about compliance with state law. See Texas as one example. I am not aware of a state where an office like this one has had a negative effect on agents, but has, like PUC offices, benefited consumers in the regulatory process. Take a look at rate increase for long term care insurance as an example of how an office like this one might benefit consumers in the regulatory process. There are times when government can play an important role in public policy and consumer protection.
This is to all who posted: I not only work in the industry but I live and work in PA. I know of no real issues here; there has been nothing in the news lately. I am quite certain thought that the state insurance commissioner has been very vocal in representing consumer interests. This is just another northeast PA democrat legislator attempting to create another government patronage position. And as for public adjusters, every fire loss that they “adjust” is just a chance for them to get in between the consumer and the carrier and inflate claims. the fact is that the consumer in PA is better represented WITHOUT more government. I have no idea what made this guy think we had a “crisis”, when the insurance department already regulates low rates for everyone, and we have caps on the assigned risk plan. There is no smoke, so where’s the fire?
I do not see why anyone would oppose a dept that stands up for consumer rights in an industry so clouded with legalities. Dollar for dollar insurance is the highest monthly payment people are paying other than a mortgage or car payment. Insurance premium are double the cost of utility bills and of services of that nature. To top that off insurance in intangible. Least I can see water flowing out of my spigot and have electricity warming my home. Car and HO insurance is there just in case something happends. When nothing happends you never see that money again. It is a rip off. Then when you have a claim you have to fight tooth and nail to get what you paid for. Insurance and banks all fall uder the same categlory in my eyes and should be heavily mandated. So all the help help given to the general consumer in this matter should be welcomed with open arms. Anyone that is opposed to it has nothing up their sleeves and is up to no good. These people just happend to be in the insurance industry. I am not surprised. Also, look at all the profits these companies are earing. One company made of $2 billion in profits in 6 months and I do not think all the profits were accounted for in that audit. There is serious price gouging and or price fixing going on here and we need help to police these scandalous companies.
Thank you State Rep. John Yudichak for your service. I am sure all you guys in insurance land are pissed. If not your probly throwing $$ at somebody to vote against it. You cant win all the time guys
Oh I get it this isn’t really a place to discuss things, it’s a place to just rail against government regardless of any good that might result.
I don’t know who your carrier is but my auto premium is less than $600 per year, with full coverage for comp/collision. My car payment is five times that. You are like the guys I golf with, who say it’s a rip off because he paid in for 11 years but got nothing back. All I had to point out to him is that it only takes one loss to bankrupt him, if his Chevy Avalanche gets totalled by a guy with NO insurance. The intangible is that insurance is paying for peace of mind, for protection. I think the trade off is well worth saving me the hassle of paying off a car that I no longer own or drive because someone else was too cheap to protect themselves. And forget about suing someone without insurance: they probably have no assets to recover. Ignorance must be bliss but I’ll bet you’ll be the first to cry foul when you get hit with an uncovered loss…who you gonna cry to then? I’ll bet you never read your declarations, much less understand them….
OH yeah, one more thing….you probably don’t have a 401K, do you? Because if you did, you’d know that some of that money could be invested in a mutual fund that includes insurance companies….if they make a profit, then you’d benefit. You probably complain about the price of gas without knowing that your pension plan invested in oil futures which were paying off record profits; that money went from your wallet, to the pump, to the oil company, to the fund to….your wallet, if you follow….
This job sounds like a complete waste of (taxpayer?) money. Insurance consumers already have an “advocate” for them, usually some ambulance chaser or the scum sucking trial bar….
Don’t get me started on the price of gas now. Stick with the insurance issues!!
Point well made and taken. Sorry ’bout that…