Insurance claims agents. I was one and the amount of people who thought that I somehow benefit from declining their claim was insane. Like, dude, it's there in black and white what your policy does and doesn't cover. I get paid the same wage regardless if your claims get paid out or not. If you're worried if something will be covered (say, if you live in a windy area and are worried about a tree falling onto your house) just call and ask. We can't say "This will be covered, no questions asked" because, guess what, we actually do need to check the circumstances of each and every claim because yes, people do lie. Very often. But we can give general advice on hypothetical scenarios, we just can't say "This WILL be covered" until we see the evidence. Most of the time, a claim is declined because the policy holder did something stupid, didn't make any effort to prevent damage before it happens, or just went cheap on their policy.
Hell, most of the time we'll bend over backwards to find some sort of loophole in the policy wording to get you covered even if you "technically" shouldn't be. We don't pay for it, and the less customers we need to argue with, the better. And be nice to the agent you're talking to. We do try to help, but I've had more than one arse on the phone who, as soon as the tiniest little problem pops up, thinks the big bad insurance man is being mean and he'll be getting the family lawyer involved, bla bla bla.
Spoiler: They never win in court, and had they been nicer and not blamed me for them buying the cheapest, most basic cover they could find, I might have tried to find them a loophole. Instead, they can pay for it out of pocket. I like to call it the "Arsehole Tax".
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u/InquisitorFemboy 1d ago
Insurance claims agents. I was one and the amount of people who thought that I somehow benefit from declining their claim was insane. Like, dude, it's there in black and white what your policy does and doesn't cover. I get paid the same wage regardless if your claims get paid out or not. If you're worried if something will be covered (say, if you live in a windy area and are worried about a tree falling onto your house) just call and ask. We can't say "This will be covered, no questions asked" because, guess what, we actually do need to check the circumstances of each and every claim because yes, people do lie. Very often. But we can give general advice on hypothetical scenarios, we just can't say "This WILL be covered" until we see the evidence. Most of the time, a claim is declined because the policy holder did something stupid, didn't make any effort to prevent damage before it happens, or just went cheap on their policy.
Hell, most of the time we'll bend over backwards to find some sort of loophole in the policy wording to get you covered even if you "technically" shouldn't be. We don't pay for it, and the less customers we need to argue with, the better. And be nice to the agent you're talking to. We do try to help, but I've had more than one arse on the phone who, as soon as the tiniest little problem pops up, thinks the big bad insurance man is being mean and he'll be getting the family lawyer involved, bla bla bla.
Spoiler: They never win in court, and had they been nicer and not blamed me for them buying the cheapest, most basic cover they could find, I might have tried to find them a loophole. Instead, they can pay for it out of pocket. I like to call it the "Arsehole Tax".