December 11 2015 Insurance Companies-Bottom Feeders
There are many businesses in the US that sell insurance, of the many these are some of which the writer has had personal experience. This writer only writes of things of which he has personal experience. The company, Allied Insurance, an affiliate of the giant Nationwide Insurance Company recently refused to continue the insurance on a property. The reason stated was there was some peeling paint on some cedar trim around one window. Apparently their "Bean Counters" did not realize some people pay extra for cedar trim. This is their right to cancel for any reason as there are no rules or regulations concerning these companies. They however decided to bill for an unknown fee of $15.00 for some imaginary reason. This is not a great deal of money, most people would have simply sent them the check or a credit card payment. However there is a small thing called principle involved here. This particular insurance was totally paid for a year ago in full so there could be no cause for the new billing since the company chose to not reissue the policy. They sent a threating letter with the bill warning the person of impending calls from a collection agency and a possible immense drop in the persons credit rating. The same company refuses to insure houses which have asbestos siding on them. This is an extremely large part of the older homes in the US. This is also their right. There was a follow up on the $15.00 charge. This being on January 12, 2016 from a Jason Miller, Senior Analyst from Nationwide. He states the $15.00 charge was a late fee which was billed in advance for being late before the policy was set to renew. Think about this, late fee billed before the bill was due, amazing, I never heard that one before. I did not realize you could be late before a bill is due. He said since they cancelled the policy there would be no late payment due, how gracious of him. I can assure you if the policy had been cancelled by the client , say a few months early there would have been no refund for the unused time. Any other insurance company would return any unused moneys. This is Nationwide however, on its way to being the most corrupt insurance company in the US. Potential buyers of their services use extreme caution in your business deals.
In their ads they always say, Nationwide is on your side. Nothing could be farther from reality. Nationwide is on the side of Nationwide as is all insurance companies. The company American Family also will not insure homes with peeling paint on the trim, but American Family goes one better. If your house cannot be seen from the road they cannot insure it. The theory being your neighbor cannot see if your place catches on fire. Apparently it is the job of your neighbor to sit and watch your home for sign of fire. Since they are usually referring to trees blocking the view of your property I would surmise the trees might hide you from the roving eye of the rare tornado. This might be a good thing also thieves might not see your property as well. Who knows what the minds of these companies will come up with next. Then there is the "Like A Good Neighbor, State Farm Is There." Yes they sure are, just do not have to many "Acts Of God" as they will promptly cancel you. It does not matter if you had been with them for twenty five years and no claims. If they have to pay out on you, you will be history. I would surmise the highly educated people at State Farm have decided if you have "Acts Of God" claims then you are not living right. You must not be right with "God." Therefore you must change your ways, maybe in ten years or so if you have lived properly and have not had any claims inspired by divine intervention we might take you back, maybe.
Then there is the famous talking lizard insurance company, good old Geico, another of the side businesses of the Oracle, Mr. Warren Buffet. Apparently the concept of a talking lizard is supposed to instill extreme confidence in people who purchase insurance. It would seem they are appealing to the dumbed down part of American society, which in present times is a huge part of regular citizens.
Then there is good old Flo, heavyset person telling the virtues of Progressive insurance. Apparently she is meant to appeal to the "large" citizens prevalent in the US today. See, it is fine to be eighty pounds overweight and go on the idiot tube and hawk insurance. Some of these paid spokespeople for the insurance industry reminds me of the carnival "Barkers" of the old days, attempting to draw in the suckers. When most of the corrupt American states passed legislation to force its citizens to purchase auto insurance it was supposedly to protect the consumer from people without insurance. It was simply another ploy to take more of their money, there are still many who drive without insurance, occasionally they will get fined for this lapse. Elected officials in the Fascist US have never done any legislation exclusively for the good of the unwashed masses. Any laws passed were to pad their pockets. Back to good old Flo, she promotes the "Name Your Price Tool' another imaginary item and the plug in apparatus, that goes under your dash to show you how much you are saving. Commercials like these really insult me and I would hope the few out there who still have some working grey matter in their mostly empty skulls. The dumbing down of the US continues, this writer just recently was informed that in the schools these days they no longer teach actual writing as in what we used to call longhand, then later it was called cursive. Now the computer writes for them, what complete ignorance! Many people cannot count out change from a cash transaction, many simply cannot use cash when making a purchase. It makes one wonder how these people would exist if there were a massive failure of the electrical grid with so much dependency on computerized gadgets.
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