I reckon the folks at McKinsey and Company didn’t check with a lawyer before designing that new fangled way of adjusting insurance claims…

[youtube=http://www.youtube.com/watch?v=_WGg1PQPhns]

Sometimes a quick video clip says it all. Texas law requires insurance adjusters to be “open and honest” with homeowners and deal with them in a way that is “fair and reasonable.” But insurance companies regularly fail to abide by their legal duties to homeowners. And in this deposition footage, a home insurance adjuster just can’t explain why he has so much difficulty understanding the law.

sop

8 thoughts on “I reckon the folks at McKinsey and Company didn’t check with a lawyer before designing that new fangled way of adjusting insurance claims…”

  1. I have been deposed for a lawsuit as a witness. You must be careful of every word you speak and every answer you give. In the guy’s defense it looks like he’s suspicious of a trick question.

    FWIW I wasn’t a defendant but I passed on a lot of questions because I just wasn’t sure what to answer.

  2. A recitation of Texas law outlining an adjusters legal responsibilities being a trick question? I think not. The fact he could not say that he was “open and honest” and “fair and reasonable” with his insureds speaks volumes and none of it is good.

    Roux here are a couple of links that illustrates what happens when adjusters tell the truth, straight from the State Farm call center in fact:

    http://slabbed.wordpress.com/2009/08/31/a-view-from-the-inside-of-state-farms-call-center-i-think-the-companies-screw-over-people-regularly-lorrie-beno-welcome-to-slabbed/

    http://slabbed.wordpress.com/2009/09/01/a-view-from-the-inside-of-state-farms-call-center-part-deux-you-just-always-had-the-feeling-that-something-wasn%e2%80%99t-right-there-i-don%e2%80%99t-trust-the-carriers-anyways-i-never-have/

    Even with the confidential settlement the truth still comes out.

    sop

  3. Sop…I’m in the choir singing on the same page with you and not meaning to preach, so I’ll cut to the chase: Just how fucking stupid is this man ? Not to have any sense of awareness that both his body language and his hesitation to answer the core moral thrust of the referenced questions tell us all we would rather not know about him personally. Of course we are not surprised by the abject and unconscionable dictate of his employer’s protocol of how claimants should be disposed of.

    Honestly, I was in a state of disbelief after seeing and listening to this pitiful excuse for a human being. He is only one amongst many of the “sheared sheep” that Walker Percy so aptly labeled as lacking a moral compass to just simply do the right thing: You know…that knot in your gut…that twinge of conscious we are all born with.

    My message in the bottle…it appears that our present cultural malaise and sense of anomie has given way to an accepted behavioral resignation, a sort of rationalized amoral numbness as to how we conduct ourselves, personally and professionally.

    What this adjuster will come to know in some fashion or the other is: KARMA is just around the corner…and it’s all about karma…the get back may not be tomorrow, next week or next year…but karma will bite your ass in the end…trust me !

  4. The explanation for the mans socially deviatant mindset is found in the field of behavioral economics. There is actually more incentive to cheat in larger organizations according to Professor Dan Ariely.

    In terms of what we see displayed here I’d submit this man is the exception rather than the rule in the adjusting community. The vast majority lie somewhere in the middle on the honesty equation. After all claims adjusters are just a subset of our society and I bet that group pretty well mirrors it that way.

    I always figured folks like our guy above that does that sort of nasty stuff to people didn’t have toys when they were kids. Deep down you know he must be miserable if he has any semblance of a moral compass.

    And that my friend is Karma, especially now that he’s been Slabbed. Maybe we should shoot a Slabogram over to the good folks at Doyle Raizner to put a name with the face so we can more properly welcome this man to reality.

    sop

  5. Morally BANKRUPT? Wanna hear about total dishonesty? When SF came to adjust our claim, I hadn’t met the insurance agent before. The claim went thru the sales agent.

    When SF showed up, they showed up for some totally unrelated reason for the claim. An adjuster and two other EXTRA people showed up with the adjuster. I didn’t know who they were. One of the extras was male and the other was a female. So, in other words, two men and one woman showed up.

    I was irate about the buggered claim. I called the agent while standing 10 feet in front of the 3 SF representatives.

    THE BITCH WAS THE AGENT! SHE KNEW I WAS CALLING HER OFFICE AND SHE KNEW THAT SHE WASN’T IN HER OFFICE — BECAUSE SHE WAS STANDING 10 FEET IN FRONT OF ME! I LEFT A MESSAGE FOR HER TO CALL ME BACK. NEEDLESS TO SAY: SHE NEVER DID. AND, THE WIND DAMAGE CLAIM WAS SUMMARILY DENIED.

    Guess what! THAT WOMAN IS A BONA FIDE CUNT (sales agent) and I have since learned that the person who was with her was probably her hubby (non-insurance person.)

  6. Insurers and their cohorts have illegally and unconscionably affected unsuspecting consumers, construction business owners, neighbors, regulatory agencies, and the justice system, long enough.

    Care to follow Insurance Agents and Insurance Adjusters twisted RCV premium-to-ACV-“settlement” trail?

    Care to learn how Insurers incorporate Xactware software products to continuously create “lleagal Windfall” right under consumers and States Department of Insurance noses?

    Feel free to contact us – [email protected]

    2013

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