Saturday, March 9, 2013

Would You Like Animal Insurance With That?


First off let me note that this post is in no way meant to impugn the career choice of those who work with insurance.  It's just a lighthearted look at my family's most recent experience in obtaining a new policy.

When I moved to Michigan, I got a brand new SUV just before I left because I wanted something to go through the snow (the SUV really doesn't do that well, but that's another story).  I paid the loan off w/the sale of a house and that vehicle is still the one I drive.  That means I haven't dealt with an insurance company for close to 7 years, at least not in the form of purchasing a full-coverage auto policy (I just kept mine intact and never changed it or worried about it).

Now that auto is getting older and doesn't need full coverage, and hubby's new car most certainly does.  So I called it in to make the changes.  The options were atrocious and some were funny.


Insurance Agent:  "Would you like animal insurance with that?"

Me:  "Excuse me?"

Agent:  "You know, in case you run over an animal or something."

Me:  "Um... no.  Thank you."

Animal insurance?  Seriously?  How many people are paying animal insurance, and how many are actually cashing in on it?

Animal Insurance...

There were others, and some were just as comical, and every option increased your monthly payment (some by not so little of an amount).


It was an interesting process.  And then I got our final quote, which hubby and I agreed was okay.  My husband does not do anything online.  Nothing.  He's paranoid of online transactions, and though I've told him companies put his info. online anyway, he still won't have a thing to do with it.  He also won't have someone dabbling in his checking account each month.  So when she wanted payments to come directly out of our checking account, I told her we prefer the mail-in option.  $60 more a month.  You read that right, $60 more a month.  LOL

What a hoot, and not an experience I look forward to repeating anytime soon.  I have to admit, I was mildly annoyed w/all of the options, and majorly annoyed w/the $60 fee for processing paper.

Some things though, you can't change.  And so we're paying the $60.  Crazy? I think so.  But I think it's crazier still that they charge that amount.  I guess our company is very concerned w/the environment.

And the possibility that we might hit an animal.  -_-

38 comments:

  1. $60 more?!?! That's insane!

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    1. Whew, I'm glad I'm not the only one who thought that was high. ;)

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  2. Don't even get me started on insurance! The U-haul carrying all my possessions was stolen when I moved from NY to FL, and there was a big battle because they only wanted to cover 10% as it was "an off-premises theft." Since then, we have found that they are swift to collect and slow to pay, and if you even dream of submitting a claim, they'll cancel you. When the going gets tough, they get going, especially in FL, due to all the hurricanes,
    Thanks for the great post & God bless!
    Laurie

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    1. I lived in WPB for many years and homeowners insurance was challenging. If you lived East of a certain point companies had to provide it because it was so close to the water. If you lived west of that line (and we did) companies were not required to give you insurance...which meant the ones who would could pretty much charge what they wanted (and they did).

      Lots of pros living in FL., that wasn't one of them. ;)

      I'm sorry to hear about your U-Haul, that must have been awful stressful, and probably a bit heartbreaking too. Aren't all items 'off premises' in a moving truck. Oiy!!

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  3. Replies

    1. You been over to Pat Hatt's place lately? You're rhyming. :)

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  4. That is one big con game indeed. They just slap a figure on there for paper transactions. And animal insurance hahaha first I've heard of that one. Yeah online transactions are just as safe as any other. I mean someone could break in your mail box and steal your mail and take a bunch of info with ease that way too. I did have some schmuck steal my credit card info once though, put 4000 of adwords on it haha

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    1. Ee-ouch on the credit card theft. I've been burnt too, recently over the holidays someone charged a bunch of leopard and snakeskin skinny pants to my credit card. Not really my dress style of choice. ;)

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  5. $60 is insane!! I have mine debited from my checking account, but I don't think there is a penalty for mailing in payments through my company. Yikes.

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    1. I'd call around to find a better deal, but there's a discount on our homeowners w/that co., so I'll just leave well enough alone. We still come out ahead w/the discount, but barely.

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  6. Yup. I'm with Robin. Mine comes out of the checking account. But, your hubby's concern is very valid. Someone, just yesterday, got our credit card number and made a $194 charge in France. The fraud dept. called us immediately and we expect new cards today and the charge will be wiped off before our next statement. So, fraud is very real. But we won't stop paying online - too darn convenient for the most part! :)

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    1. Too bad that wasn't a valid charge...it'd probably be nice in France right now...no tourists or anything. ;)

      Glad that worked out smoothly for you, kudos to the fraud dept. for catching it right away.

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  7. Insurance is a racket!!! As a medical office manager I deal with it everyday. In Florida you can now some insurance companies automatically include your pets. DUH! If I have an accident I would see a doctor immediately so of course I would take my animal in as well. Now it's covered!

    $60 should be illegal!!!

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    1. You know how they say 'there's an app for that,' for everything? I guess one can probably accurately say, 'there's an insurance option for that,' lol.

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  8. They will get you coming and going... we are dealing right now with a medical insurance and they are sure not people friendly

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    1. Our lady was real friendly, she was making my husband feel not so friendly though, lolol. Good luck with your insurance challenge.

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  9. I read your other post on the Croons (I think that's how it's spelled). But this one caught my eye (and how many posts do you do on the weekend, hehe? You're ambitious! :D )
    Anyways, yeah, they gave me grief when I took the full-coverage off of my now 8 year-old car. I'm like, yeah, I understand, and please, don't think for a second that I actually WANT to crash. LOL
    And animal insurance? Boy, I think it's a gimmick to get more money from you.
    And lastly, that's highway robbery to charge $60 for a non-online transaction. I'd call around and see if other companies are doing the same. If they aren't, call yours back and say you're going to switch...it's entirely unreasonable for them to do that to you. That's your hard-earned money. Geez...that would be like me working more than half a day! I can't stand it when companies do that to people. The nickel and dime-ing is awful.

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    1. You're completely right that I should shop around, and I know it, but it's time-consuming and we have our house insurance grouped w/our car insurance for a discount. I wonder if I knew someone (in management) if they'd waive that fee. But I don't, so no use wondering I suppose (doesn't keep me from being curious about it though). :)

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  10. One of the reasons I love my husband. He deals with all of the insurance stuff. It gives me too much anxiety messing with it. $60 is ridiculous! Just another way for those insurance companies to legally be crooks.

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    1. My husband doesn't like to deal with it, so I do. ;)

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  11. My husband is just like yours. Absolutely will not put info online. Animal Insurance? Wow!

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    1. Responsible men...we can't even be mad at them for such things. ;)

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    1. Insurance has changed a lot since the last time I got a new policy, that's for sure. :)

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  13. Ouch! $60 a MONTH for handling paper? Sheesh! They're nutters, that's for sure.

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    1. Or we are for not having it deducted automatically or looking elsewhere for a better deal (the latter of which we might at some point ;) ).

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  14. 60 dollars A MONTH???? Unbelivable!
    I've never heard nothing weirder XD
    they LOVES trees !!!
    MammaNene from

    SergerPepper.blogspot.it

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    1. They certainly must love the trees. Someone needs to tell them about replanting...it can be done. ;)

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  15. Haha - what a crock! We do have pet insurance but it's specifically if my dog get sick or injured...and it's only $40 a month. I guess they have a lot of roadkill issues in that area or just some really mean neighbors.

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    1. I thought damage was damage and that is what insurance was for in the first place. Too many specifics... too many greedy hands in the pot. It's annoying.

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  16. I don't know a lot about insurance except that they are rabid...but yes that does seem very high.

    And the animal insurance? Yes apparently there are people out there with a new way of making money off you and everyone else if you hit their animal. They will also get an animal, try to get it hit, just to get someone to pay. It's about getting money.
    And trust me , you do have liars..lawyers out there who will take that case. So sad.
    So now it's on the books that insurance will cover these pets.

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    1. Goodness...lawsuits is a whole 'nother arena. You know I loved Palm Beach but everyone wanted to sue everyone down there, and that was annoying too.

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  17. It's kinda like the vehicle cons.
    The ones who will wait and slow down in front of you or do whatever to try to get you to hit them, so they can collect insurance.

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    1. Wonder if that works for anyone? I think that'd be way too scary...automobiles are serious stuff.

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  18. that is CRAZY!!!!!!!!!!
    $60?! what?

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    1. I know. Crazy is the perfect word, Noell. ;)

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  19. That's pretty crazy. I'm always amazed at how many different choices there are for things you can get insurance on. Last time we shopped around for insurance, one of the agents was trying to convince me that we needed full coverage on all of our vehicles. One of which was over 15 years old and had a salvage title! My husband had already rolled it over twice. Insurance certainly wasn't going to pay us if he did it again. Haha. We DO still have full coverage on our Uplander (it's a 2008, and we still owe on it through the end of the year probably) obviously, and we have it on the Impala (2005), mainly because of it's mad deer hitting abilities. ;)

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    1. My father-in-law hit a deer in his Impala. I'll have to tell him about your post. :)

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