A better way to choose insurance?
My daughter was recently involved in an automobile accident because the driver of the other vehicle was running late and ran through a stop sign and t-boned her car. (Thus ending the life of her paid-for Toyota Corolla.) So what does the guy do? He gets out of his car and starts taking pictures of the damage to his car. Does he bother to go over to ask my daughter if she’s OK?… NO! Does he help her out of the car because the driver’s side door is jacked and she can’t get out?… NO! Does he call the Police or paramedics because she can’t seem to get her wits about her?… NO! In fact, he tells her that he doesn’t have the number and would prefer not to involve the police. SHAME ON HIM and his parents for not raising him better!
Sadly, it turns out that my daughter is not OK. She was initially diagnosed with a concussion and later a brain injury. Will she be OK?… we hope so but time will tell. Since there may be long-term repercussions, we hired an attorney to represent her with the insurance company (especially since it turns out that both drivers have the same insurance carrier).
In speaking with prospective attorneys (and no, we didn’t go to the “one call, that’s all” or “one call, the first call” or “one call, the only call” guys), they asked about the insurance. It was interesting to hear comments like, “at least it’s not [insert a few well-known company names here].” Later I thought, that would be an interesting way to go about selecting an insurance company in the first place. The very reason we have insurance is to financially protect us from an unlikely future event; someone to step in and step up. Who knows better if a particular insurance company doesn’t practice what they preach than attorneys that deal with insurance claims?
So, next time call a few attorneys and hear what they have to say. Food for thought!
“For 30 years we have paid you inordinate sums of money for your security. We have done so in the hope that one day we may receive something in return. Well, that day has come.” — Flawless (2007)
Robert is 58 years-old, married, father of 8 children (4 girls, 4 boys), and lives in North Salt Lake, UT. He describes himself as an technology entrepreneur, family man, traveler, movie lover, and cyclist.
