VW roof and insurance

[Dave Glubrecht]

Well written.
Dave G  (ex independant adjuster)

> Sounds like a deal....the aftermarket top with the insurance company
paying
> the freight.  The OEM top at $500 more?  Why?
>
> The comment about insurance companies and body shops having or not having
> your best interest at heart is irrelevant and inappropriate.  While I
cannot
> speak much about body shops, I can speak a good deal about insurance
> companies, having been an independent agency owner for quite a few years.
>
> While I am no fan of insurance companies...ANY of them...I do understand
> what they are and what they are supposed to do.
>
> Buying an insurance policy is entering into a legal contract that has
> certain rights and obligations that are imposed upon BOTH parties.  Like
> buying an automobile, it is not joining some secret society or entering
into
> some special brotherhood.
>
> In my twenty years before the mast of the insurance industry, most people
> who were dissatisfied with auto insurance settlements had totally
> unreasonable expectations concerning the value of their vehicle.
>
> It sounds like your insurance company is doing a really good job of
honoring
> their obligations, which is to "repair or replace with like kind and
> quality" the vehicle damaged by an insured peril.  Do not offer any
special
> praise for their offer.  It has NOTHING to do with anyone's best interest.
> It is merely doing what they should do, agreed to do in issuing the policy
> (contract), and which you expected them to do when you paid the premiums.
>
> The biggest single problem with the insurance industry today, in my
opinion,
> is that there no longer is a strong agency force whose primary purpose is
to
> sell and service policies on a local level, and at the same time, to
educate
> their customers and PROTECT their customers from their own ignorance and
> that of insurance claims departments, adjusters, and bean counters.
>
> Enjoy your new top.  Sounds like you got a good deal.  Renew your policy!
>
> Roger
> (Sold the agencies when it got to be unfun....about a dozen years ago....)
>