"Not Much Assurance About Insurance
CALL CENTER | KANSAS CITY, KS, USA | CRAZY REQUESTS, EXTRA STUPID, TRANSPORTATION

(I work for a call center for a nationally known insurance company handling investigations for claims filed on policies that are no longer active.)

Me: "Hello, I'm calling from [Company] regarding the claim you filed for your auto accident. Am I speaking to [Customer]?"

Customer: "Yes."

Me: "Good afternoon, I was calling to discuss your policy with you. Your claim was filed for an accident that happened yesterday, however it looks like your policy with us ended last year."

Customer: "What do you mean, it ended? I thought I had insurance with you guys!"

Me: "Well, according to our records, your policy expired in June of last year and you never sent in a payment to restart your policy when we sent you our offer to renew."

Customer: "So?"

Me: "Since you didn't ever send in a payment, then your policy wouldn't restart."

Customer: "What do you mean? I never knew I had to send in a payment!"

Me: "Well, let me check on something. Is your address [address on file]?"

Customer: "Yes."

Me: "Was that your address last year as well?"

Customer: "Yes."

Me: "I am showing that we sent the offer to that address. Do you recall if you received anything from us?"

Customer: "Yeah, I used to get things from you guys all the time, but then they just stopped."

Me: "Well, did you read any of them?"

Customer: "No! Why would I read your junk mail? I'm already a customer!"

Me: "That wasn't junk mail! That was your policy paperwork and your bill."

Customer: "How was I supposed to know that?"

Me: "The envelope says on the outside that there is important information inside pertaining to your policy and even says on the back to not discard the letter until you've read it."

Customer: "I don't pay attention to any of that; it's all junk mail. You're just trying to get me to buy new things!"

Me: "In this case, we were trying to prevent your policy from ending."

Customer: "Why didn't you say something to me?"

Me: "We did! In fact, we send the first notice two months out to give you a warning that the policy is going to end soon, then another one a month out giving you a 30 day notice…Then we sent one after it ended to remind you to purchase new insurance or to contact us to restart your policy with us. I also show that your agent called you twice before it ended to see if you wanted to come by his office to pay it."

Customer: "Well, I never got any of them!"

Me: "You just told me that you had, but you didn't read them."

Customer: "I didn't! So, I never got them, because I didn't know that's what they were!"

Me: "I'm sorry… but you're saying that because you threw away our letters reminding you to pay that it means you never got them?"

Customer: "Exactly! I shouldn't have to read mail from you guys. You should just tell me when I need to pay something!"

Me: "We did… like I said, your agent also called you. Did you get his calls?"

Customer: "I was busy, so I never called him back."

Me: "And this was all a year and a half ago. Your insurance card says that the policy period would end."

Customer: "I thought it was just old, but that you'd send me a new one."

Me: "If you don't open our mail, how would we send you a new one?"

Customer: "By CALLING me first and telling me you were sending it."

Me: "But you hadn't paid, and you weren't returning the agent's calls!"

Customer: "So? It's not my fault that you guys don't know how to get it to me!"

Me: "I'm sorry, sir, but we're not going to be able to cover this. You haven't had insurance with us for almost a year and a half. You've confirmed that you got our mail, you got the agent's calls, and you never responded. You've not been paying insurance with us."

Customer: "And?"

Me: "So, we're going to be denying this. I suggest you contact your agent if you want to restart your policy, but we cannot do anything for this accident."

Customer: "So what about my car? Can I get it fixed now?"

(Face to desk.)"

from

http://notalwaysright.com/