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home : opinion : letters April 30, 2016


11/27/2012 6:01:00 AM
Reader Letter: A flood of insurance complaints

Superstorm Sandy has come and gone on the East Coast. I wonder how the people will make out with the insurance companies. They always seem to have a way of weaseling out of it. They will probably say that it was an act of God and not pay. That has happened in the past.

When there were a lot of tornadoes in the Midwest, that is what some of them did. Look at what happened down in Anthem a few months ago. Some of those people had major damage to their homes. Those homes were not on a flood plain. There was a lot of rain, and the washes overflowed. The insurance companies said that these people didn't have flood insurance, so they wouldn't pay. That is a crock. Why should they have to buy a separate policy? It is another way for these greedy thieving insurance companies to get more money.

I think it is time that these insurance companies be taken down a notch or two. They sure don't have any problem taking people's premiums every year.

How about the medical insurance companies? A while back, a friend of mine needed a knee replacement. The doctor ordered a chest x-ray. The insurance company would not pay for it. They didn't think it was necessary. My daughter-in-law is a nurse. She said that is standard procedure. You can't put anyone out without making sure that their lungs are clear.

I have heard of people having major surgery one day and they go home the next. I have heard on the news that some insurance companies are complaining about some people having to be re-admitted to the hospital because of complications. I think it is time that these insurance companies let the medical professionals do their jobs right. After all, the patients are paying their premiums.

I hate it when I hear of people being hung out to dry by some of these insurance companies.

Ronnie L. Case

Golden Valley


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Reader Comments

Posted: Thursday, November 29, 2012
Article comment by: Anson's Nephew

“With the current insurance market a person can choose what company to buy from and what policy to buy.”

And that is not going to change. So what is your point?


Posted: Wednesday, November 28, 2012
Article comment by: origional kingman resident

@ Anosn

Obama Care will operate exactly the way you claim health insurance currently does. Except, under Obama Care, if you don't like the decisions that are made you have no where to go.

With the current insurance market a person can choose what company to buy from and what policy to buy. The companies need to compete to keep customers..
If a company is truly operating unethically a customer can contact the insurance commissioner for the state or the state board of corporations depending what type of insurance plan the customer has.

If the company is acting illegally the customer can hire an attorney to sue the insurance company for breach of contract.

When unelected political appointees in the Federal government are running the show, where are you going to go for help?

Believing that the Federal government should be in charge of protecting the consumer from fraud is the same as putting the fox in charge of the hen house.


Posted: Wednesday, November 28, 2012
Article comment by: Isntit Obvious

Insurance companies are in business to make money.
They make money by NOT paying you.
Insurance is a gamble against yourself.
If nothing bad happens you are out the money you put up front.
The only way you can come out ahead is if something bad DOES happen, if you can call that coming out ahead.
Either way you really don't win - the insurance companies win.


Posted: Wednesday, November 28, 2012
Article comment by: tj denton

why is it that people think they are entitled to healthcare and insurance? both are private entities. thats like saying you are entitled to a new car. they are not a birthright. is it good for everyone to have healthcare? of course! can we afford it right now? no! plain and simple facts.

Posted: Tuesday, November 27, 2012
Article comment by: Anosn's Nephew

Insurance companies have long operated Death Panels, refusing tests and procedures mandated by doctors for their patients. This has nothing to do with the cost of the policy or people being too stupid to spend a fortune on insurance. It all has to do with the bottom line of the insurance company. They force claims representatives to say NO to every request that comes through, forcing additional dollars as the NO is appealed.

The insurance industry should not be between me and my doctor when it comes to the level of health care provided to a patient. If fraud is suspected then the doctor needs to be investigated – which is exactly how the ACA is handling Medicare.


Posted: Tuesday, November 27, 2012
Article comment by: I'd Bet

I'd venture to bet the insurance companies will not pay if they didn't have flood insurance. As a resident that lived this scenario, I know they won't unless there is government intervention. I don't live in a flood plane, I was flooded, insurance wouldn't pay, I was lucky to have another avenue of recourse. Now they are asking for $98 Billion for uncovered costs at the tax payers expense. This is wrong, especially for the ones who choose to live on the sandbars.

Posted: Tuesday, November 27, 2012
Article comment by: gun owner 000

I doubt if we will see any change in the way insurance companies do business anytime soon. Most people don't realize insurance companies employ hordes of attorneys to protect their interests. And they spend more money each year paying the salaries of thousands of people whose only job is to figure out how to weasel out of paying for something.
It would be like trying to stop the Colorado River with a teaspoon.


Posted: Tuesday, November 27, 2012
Article comment by: Not as bad as this

First I know everyone seems to hate or distrust any insurance company. I can tell you. From many years writing insurance claims for thousands of companies. They are not as terrible as many wish they are.

Its like alot of things. You get what you pay for. You find the cheapest, or least known company then you have already set yourself up for poor service in time of need. Im not saying the most expensive is the way to go either.

Spend more then "15" minutes when buying insurance coverage on your home or vehicle. Research the internet for the records and credibility of companies your interested in.

After writing millions of dollars in claims. I can think of very few cases that ended bad for the policy holders. Those few bad cases were mainly the fault of the policy owner for NOT buying the correct coverage.

Its easy to hate a company instead of admitting your the reason you didnt have the coverage you thought you should. The agents are there to answer questions when you buy your coverage. If you dont ask about thing you value. How can you expect coverage when they arent known by the agent.

This happens many times in Auto body repair. Most people think they will get "new" parts to repair the damage on a two year old car. Unless you pay for new part coverage. You will get salvage parts. The industry term is LKQ. Which means "like, kind, and quality". That equates to this. If that 2010 honda hood is the same body as your 2012 honda. Your car get the 2010 hood. Not happy with that. Your told to pay the difference for a 2012 part.

For just a couple dollars more each ins policy payment and you would have been covered for all new parts.

You get what you pay for. However you need to ask instead of looking for the lowest coverage cost.


Posted: Tuesday, November 27, 2012
Article comment by: Tidal Wave Of Inadequacy

Yes, I agree. Insurance companies have become too full of themselves! They charge ever increasing rates, while further restricting their coverages, and arbitrarily determining what their policy actually covers. It is quickly coming down to the wire where I will be deciding whether I will, or even am able, to insure at all! If others feel like I do, it won't be long before insurance companies feel the bite of no business, especially in these economic times.

Posted: Tuesday, November 27, 2012
Article comment by: Trained Observer

If insurance companies cut the premiums or deductibles how will they pay their CEO's the big bucks?



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