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Dec. 11th, 2002 07:25 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
hiddenmuseI think I found out part of the reason I was feeling so miserable the past few days. Yes, it was PMS doing a great job of knocking me on my ass.
Before I get into the good stuff, I should get the grumping and grumbling out of the way first. Otherwise, the good news would be tainted by negativity.
It started with a call from Phil, the infamous underwriter. (And before a Peanut Gallery starts in, no, he wasn't calling for a date.) The account I'd spent an obscene amount of time on? Declined. Due to the fact that it's more of a Commercial Liability. After spending all that time e-mailing him to verify what I was reading in their company manual. Making sure that the figures were correct. That the applications were in place and signed. That we had photographs and a down payment. Only to get a call telling us that they can't write it. That it's Commercial business, not Personal. And even Commercial isn't writing this type of business.
Something I never mentioned was the fact that I had days where I would almost anticipate getting a declination for one reason or another. I just had this odd feeling about the policy, like it wasn't going to be approved by the muckety-mucks in Iowa. That they'd tell us that it's actually commercial lines business, and/or call us on the carpet for deceiving them somehow. I think my biggest concern was that they'd say that we were lying to get something through.
I don't know how I feel about it right now. I don't exactly feel bad or guilty. Frustrated that I went through all this work, yes. But I think that others were more chuffed over the situation than I am. Sherry is incredibly pissed, because she knows of all the work & effort I put into it, only to get it shot down after the fact. The client is also pissed - but that's a given. I'd be pissed too, if I thought my insurance was in place, only to be told that it was going to be declined. Ah well. Nothing I can do about it, you know?
Ah yes. Demanding clients that get bored, read their policies, and have eleventy billion questions. Of course, they ask about the general policy forms, too. Today, it was Umbrella coverage. {Umbrella coverage gives you coverage above your liability limits on the Homeowners and Automobile. So if someone threatens to sue you after slipping and falling on your sidewalk, your ass is covered.}
You can probably guess how this reads. The question, my answer, and the answer I'd love to give.
"Why does it say this?"
That's the general policy form.
It's written that way to fuck with your head.
"Do I have this coverage?"
No. It's the general policy form that ABC Company uses.
Look on the back page, willya?
"Would I save anything to have this deleted?"
No. It can't be deleted - it's the general policy form.
What part of General Policy Form do you NOT understand?
"Why does it say that 'coverage is not available'?"
Because that coverage is optional.
Because it's a conspiracy against you. The insurance company has it out for you.
"What does this cover beyond my Homeowners?"
It covers your Home, Autos and the drivers in your household.
Nothing. Actually it's perfectly useless since you've asked so many damn questions.
"That wouldn't be a problem for me, because ...."
Ma'am, even if it's just the mailman delivering mail everyday, there is still a risk.
What? Do you live under a rock? Everyone is suing everybody else because they can. What part of 'you could lose your house, cars, and any other tangible possessions' do you not understand?
Thankfully, she was placated after I got everything explained to her in People English - translated from Insurancese. Personally, I loved Kellie's translation: "...In every day language their policy states not to get robbed or get in an accident and they don't have to worry about anything but paying their bill." Amen to that! ;)
Right when I thought I could end the day on a decent note after all of this crap, by getting someone to move his insurance to a more competitive carrier, I get a voice mail from him. Five minutes AFTER I've uploaded the applications for a policy. He's having second thoughts about placing the coverage, thinks that by deleting a car and the physical damage (going down to MO state minimums), he'll save more money. Shit. Thanks for telling me NOW, sir. *rolls eyes*
What does this mean? Tomorrow morning, I get to work on a quote with another company, to do my damndest to get this coverage moved. Fun, fun, fun.
At 5:15 p.m., after working with the aforementioned crises, I get a call from someone I've been playing phone tag with for 2 days. This client is a bit of a problem child, and was apparently misinformed by someone, so he was being a twit to me over it. Someone told him one thing that wasn't the case, so I got to hear about that - how it irked him that this happened, why couldn't it have been resolved sooner, blah blah blah. Well, it might've helped if I were told about it. That's a novel concept there!
Of course, he wants information I don't have immediate access to. I could've called the company for his information, but physically, I wasn't feeling great and was really antsy about getting home. So, it was easier to explain that I'd have to get to it first thing tomorrow. Right. Get on queue, mister. You and all the other fires I have to put out.
But, it's not all bad, I promise. I do have some good stuff to talk about. :)
Dog News: Since I'm a Dog Mom by Association, I have news about the pets. Libby is doing well - still getting along with Annabelle and Snickers, still eating Snickers' cat chow, and being a hyper puppy. She's apparently hooked on dog treats, her "cookies", with her favorites being the animal crackers and the pressed cookies. Mom asks her if she wants a cookie and she goes nuts. Annabelle likes the animal crackers, because they're small enough for her to eat. She also likes to eat Libby's puppy chow, and when Libby caught her in the bowl noshing away, Annabelle looked at her and growled - as though it were her food to begin with!
Party Girl: The next two weekends, I'll be a regular Party Girl. Or, at least feel like one! This Saturday, I was invited to a graduation party for one of the daughters of the company president. She's someone that I'm pretty well-acquainted with, and when I talked to her mom today, I was invited to their house for the graduation party. :) That evening, if I can make it, there's the church Christmas party. I'll see how I feel after the graduation party!
Of course, the next day, I get to see Taylor skating in her Christmas show. This is also a chance to see my brother, and lavish attention on the dogs.
Next week, I have the work Christmas party on the 20th. We leave work early to go out for lunch at a restaurant I'm not familiar with, then get to leave after the meal & gift exchange. The next day, Taylor's skating coach is having a team Christmas party - free skating and fun for all. That evening, the church Christmas party at my parents' church.
Like I said ... I'll be one busy girl. Don't think my social life has been this busy in ... a long while, I'll just leave it at that.
Before I get into the good stuff, I should get the grumping and grumbling out of the way first. Otherwise, the good news would be tainted by negativity.
It started with a call from Phil, the infamous underwriter. (And before a Peanut Gallery starts in, no, he wasn't calling for a date.) The account I'd spent an obscene amount of time on? Declined. Due to the fact that it's more of a Commercial Liability. After spending all that time e-mailing him to verify what I was reading in their company manual. Making sure that the figures were correct. That the applications were in place and signed. That we had photographs and a down payment. Only to get a call telling us that they can't write it. That it's Commercial business, not Personal. And even Commercial isn't writing this type of business.
Something I never mentioned was the fact that I had days where I would almost anticipate getting a declination for one reason or another. I just had this odd feeling about the policy, like it wasn't going to be approved by the muckety-mucks in Iowa. That they'd tell us that it's actually commercial lines business, and/or call us on the carpet for deceiving them somehow. I think my biggest concern was that they'd say that we were lying to get something through.
I don't know how I feel about it right now. I don't exactly feel bad or guilty. Frustrated that I went through all this work, yes. But I think that others were more chuffed over the situation than I am. Sherry is incredibly pissed, because she knows of all the work & effort I put into it, only to get it shot down after the fact. The client is also pissed - but that's a given. I'd be pissed too, if I thought my insurance was in place, only to be told that it was going to be declined. Ah well. Nothing I can do about it, you know?
Ah yes. Demanding clients that get bored, read their policies, and have eleventy billion questions. Of course, they ask about the general policy forms, too. Today, it was Umbrella coverage. {Umbrella coverage gives you coverage above your liability limits on the Homeowners and Automobile. So if someone threatens to sue you after slipping and falling on your sidewalk, your ass is covered.}
You can probably guess how this reads. The question, my answer, and the answer I'd love to give.
"Why does it say this?"
That's the general policy form.
It's written that way to fuck with your head.
"Do I have this coverage?"
No. It's the general policy form that ABC Company uses.
Look on the back page, willya?
"Would I save anything to have this deleted?"
No. It can't be deleted - it's the general policy form.
What part of General Policy Form do you NOT understand?
"Why does it say that 'coverage is not available'?"
Because that coverage is optional.
Because it's a conspiracy against you. The insurance company has it out for you.
"What does this cover beyond my Homeowners?"
It covers your Home, Autos and the drivers in your household.
Nothing. Actually it's perfectly useless since you've asked so many damn questions.
"That wouldn't be a problem for me, because ...."
Ma'am, even if it's just the mailman delivering mail everyday, there is still a risk.
What? Do you live under a rock? Everyone is suing everybody else because they can. What part of 'you could lose your house, cars, and any other tangible possessions' do you not understand?
Thankfully, she was placated after I got everything explained to her in People English - translated from Insurancese. Personally, I loved Kellie's translation: "...In every day language their policy states not to get robbed or get in an accident and they don't have to worry about anything but paying their bill." Amen to that! ;)
Right when I thought I could end the day on a decent note after all of this crap, by getting someone to move his insurance to a more competitive carrier, I get a voice mail from him. Five minutes AFTER I've uploaded the applications for a policy. He's having second thoughts about placing the coverage, thinks that by deleting a car and the physical damage (going down to MO state minimums), he'll save more money. Shit. Thanks for telling me NOW, sir. *rolls eyes*
What does this mean? Tomorrow morning, I get to work on a quote with another company, to do my damndest to get this coverage moved. Fun, fun, fun.
At 5:15 p.m., after working with the aforementioned crises, I get a call from someone I've been playing phone tag with for 2 days. This client is a bit of a problem child, and was apparently misinformed by someone, so he was being a twit to me over it. Someone told him one thing that wasn't the case, so I got to hear about that - how it irked him that this happened, why couldn't it have been resolved sooner, blah blah blah. Well, it might've helped if I were told about it. That's a novel concept there!
Of course, he wants information I don't have immediate access to. I could've called the company for his information, but physically, I wasn't feeling great and was really antsy about getting home. So, it was easier to explain that I'd have to get to it first thing tomorrow. Right. Get on queue, mister. You and all the other fires I have to put out.
But, it's not all bad, I promise. I do have some good stuff to talk about. :)
Dog News: Since I'm a Dog Mom by Association, I have news about the pets. Libby is doing well - still getting along with Annabelle and Snickers, still eating Snickers' cat chow, and being a hyper puppy. She's apparently hooked on dog treats, her "cookies", with her favorites being the animal crackers and the pressed cookies. Mom asks her if she wants a cookie and she goes nuts. Annabelle likes the animal crackers, because they're small enough for her to eat. She also likes to eat Libby's puppy chow, and when Libby caught her in the bowl noshing away, Annabelle looked at her and growled - as though it were her food to begin with!
Party Girl: The next two weekends, I'll be a regular Party Girl. Or, at least feel like one! This Saturday, I was invited to a graduation party for one of the daughters of the company president. She's someone that I'm pretty well-acquainted with, and when I talked to her mom today, I was invited to their house for the graduation party. :) That evening, if I can make it, there's the church Christmas party. I'll see how I feel after the graduation party!
Of course, the next day, I get to see Taylor skating in her Christmas show. This is also a chance to see my brother, and lavish attention on the dogs.
Next week, I have the work Christmas party on the 20th. We leave work early to go out for lunch at a restaurant I'm not familiar with, then get to leave after the meal & gift exchange. The next day, Taylor's skating coach is having a team Christmas party - free skating and fun for all. That evening, the church Christmas party at my parents' church.
Like I said ... I'll be one busy girl. Don't think my social life has been this busy in ... a long while, I'll just leave it at that.
