Anyone here sell insurance? (or know anything about it?)

[ARCHIVED THREAD] - Anyone here sell insurance? (or know anything about it?)

Posted: 6/24/2003 4:58:05 AM EDT

What I want is general personal liability insurance. If I smash somebody with my car and they sue me, I want to be covered. If my dog bites someone, I want to be covered. If a tree on my property falls on someone, I want to be covered. If I drop a can of soup on someone's toe at the grocery store, I want to be covered.

[sarcasm]The way I figure it, I make a decent enough living to be able to afford the luxury of not worrying about fucking up someone else's shit and having to pay for it.[/sarcasm]

In all seriousness, with the way lawsuits are going these days, I'd just like some coverage from the assholes. I figure a million ought to cover it.

Posted: 6/24/2003 5:13:33 AM EDT

[#1]

My wife is an insurance agent.

IIRC, you get personal liability coverage under your homeowners policy, and that its fairly cheap.

My wife says she can't imagine why people don't do it.

Posted: 6/24/2003 5:17:41 AM EDT

[#2]

excess coverage>>>>"umbrella" policy

You still need your other coverage

Posted: 6/24/2003 5:19:16 AM EDT

[#3]

Quoted:
My wife is an insurance agent.

IIRC, you get personal liability coverage under your homeowners policy, and that its fairly cheap.

My wife says she can't imagine why people don't do it.

View Quote

I don't currently own a home.

Posted: 6/24/2003 5:35:28 AM EDT

[#4]

I order to buy a umbrella policy you need to have your auto and home owners insurance all underwritten by the same insurance rips, which shouldn't be a problem in most situations.

Posted: 6/24/2003 5:41:33 AM EDT

[#5]

Quoted:

I don't currently own a home.

View Quote

Then you don't present a very desirable target for a litigious society.

Unless you have other MAJOR assets and accumulated wealth.

Other than the homeowners umbrella policy, I don't know what to tell you.

Talk to a REAL insurance agent - not the part time astrophysicist / brain surgeon / nuclear biologist types you find on gun boards.

[:D]

Good luck.

Posted: 6/24/2003 5:49:27 AM EDT

[#6]

Quoted:

Quoted:

I don't currently own a home.

View Quote

Then you don't present a very desirable target for a litigious society.

Unless you have other MAJOR assets and accumulated wealth.

Other than the homeowners umbrella policy, I don't know what to tell you.

Talk to a REAL insurance agent - not the part time astrophysicist / brain surgeon / nuclear biologist types you find on gun boards.

[:D]

Good luck.

View Quote

To be honest, I trust you guys more so than I trust a real insurance agent. Ya'll have nothing to gain in your advice, an agent is going to try and sell me whatever he can.

Good point about the house. I really don't have much of anything in the way of assets, but I make a decent living and wouldn't want my wages to be garnished.

Posted: 6/24/2003 5:51:05 AM EDT

[#7]

Norman, you are looking for an "umbrella" pollicy. I can put you in touch with a local agent I trust(I've known her since I was 9 & grew up w/ her kids) if you want me to.

echo6

Posted: 6/24/2003 5:53:30 AM EDT

[#8]

Quoted:
To be honest, I trust you guys more so than I trust a real insurance agent. Ya'll have nothing to gain in your advice, an agent is going to try and sell me whatever he can.

.

View Quote

Awww...shucks. {blush}

[:D]

Yer right tho - watch out fer people trying to sell you stuff.

I'll check with my wifey tonite, and get back to you.

Posted: 6/24/2003 6:00:14 AM EDT

[#9]

Quoted:

Quoted:
My wife is an insurance agent.

IIRC, you get personal liability coverage under your homeowners policy, and that its fairly cheap.

My wife says she can't imagine why people don't do it.

View Quote

I don't currently own a home.

View Quote

At least not yet! Right?
So therefore you're renting right? Anyways, I think there is something called renter's insurance, and I understand that it is fairly cheap. You should discuss this option with your insurnace agent when you find one.

Posted: 6/24/2003 6:35:02 AM EDT

[#10]

You would obviously be surprised to learn the whole insurance industry is set up so the agent "makes out" best when he/she does the best thing for you--[i]most of the time.[/i] The qualifier is only to cover the occasional crook who is present in any business. Contact your car insurance agent for the above-mentioned umbrella policy. A million bucks will likely cost <$200/yr. Full disclosure is a must, in order for them to properly assess the risk--if you hide anything, they won't pay off in the event of a claim. I mention this as it is fairly common to not reveal details, then bitch forever when a claim is denied. Don't volunteer anything, but answer everything honestly and completely.

Posted: 6/24/2003 6:41:04 AM EDT

[#11]

Well, I own a truck and a Harley that i'm making payments on and have insurance on. I also have renter's insurance. All of this is through USAA. I am planning on calling them and discussing some sort of umbrella policy, but I wanted to see what ya'll had to say first.

One concern of mine is that I think the cost for my area is going to be absurdley high. Insurance of all types in South Florida is some of the highest in the nation due to the large amount of immigrants and the various cons/scams that they pull.

[ARCHIVED THREAD] - Anyone here sell insurance? (or know anything about it?)

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