Posted by: Chelsea Novak | August 17, 2005

I’m paying you why?

You know what might be a good thing to teach in school? Why insurance works (or doesn’t work, depending on your perspective) the way it does. Or even better, what would be good to teach people in the insurance business? Manners.





  1. Insurance companies in general really make me nuts. As much as people go on about rates and competitive offers, the reality as far as I’m concerned is something very different. My house insurance, which is by far the most significant insurance I have, is with a company who got my business simply by being the first and only company I called who weren’t total dicks.

    If anyone wants a recommendation, let me know. 🙂

  2. File a claim. If they’re still not dicks, then I’ll take the recommendation. Until then, I will continue to see insurance agencies in all of their forms for what they really are: financial risk mitigation planning accounts.

  3. Wow, you even said that like an insurance agent and everything. Taking five words that I understand and putting them together in a way I don’t really understand. Making me think that I should know what you’ve said because I know what those words mean, thus shaming me into not asking for clarification.

    Though you weren’t a dick about it and you didn’t cite any policies or scold me, so I the similarities end there. 🙂

  4. Please follow established policy when asking for clarification and send me an email or contact me on IM.

    Thanks for choosing me as your friend,
    Mike Beltzner

    (Do not reply to this address. Please reply to

  5. Actually, I’m pretty sure the company WOULD be dicks if I filed a claim. Although my agent (and his wife, who I interacted with a fair bit) were as nice as could be, their underwriters (who I also sadly interacted with a fair bit) were total assholes.

    All that being said, nice agent + shitty underwriters is better than shitty agent + shitty underwriters.

  6. BELTZNER!!!!!!

    (Nicely done) 🙂

  7. For what it’s worth, I meant “financial risk mitigation planning accounts” to mean that the true role of an insurer is to act like a “rainy day savings account”, where your interest earnings are directly proportional to your personal crises: if disaster should befall you, then this “insurance account” pays off with hella-interest (ie: you get more out than you put in). If disaster never befalls you, well, then … the money just vanishes into the ether.

  8. Actually, I consider insurance companies to be future-dated reverse loan sharks, and scum in most cases.

    And keep in mind, I’m saying this as someone who just works for a regular scum loan shark. 🙂

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