Dear State Farm,

One thing that seems to continually bother me is when the wealthiest people and companies choose not to really do the world some good.  When they choose profits over people.  When they are genuinely in a position to change an industry for the better which will increase their profits and genuinely help the American public and they choose not to.  Baffled by it.

Why write today?

  • Because every time I receive another letter from you I wonder why another tree branch had to die.
  • Because I wonder why a huge company allows their product to be so diluted by advertising.

Google can be awesome for Insurance

So I stumbled onto this article with the headline “Google’s entry into insurance should frighten agents”  I am not sure that one statement could be further from the truth.

Disclaimer; I was not in the room when these comments were made.  Like most articles there is limited space available and the reporter must choose what to write.

FACT: The insurance industry is old and not nearly as technically advanced as most of the places you spend money. Think of Amazon and Zappos

FACT: Google has a lot of money and a lot of smart people.

Want more revenue? More market share? Shrink the available pie

First draft, part 1 of about 12

**Written for my counterparts who consider themselves Independent Agents and Insurance Brokers***

So I regularly read a publication called Rough Notes.  Kind of interesting, some value each month.  They do a pretty neat thing each month, they publish a brief article from a much older issue.  The one that caught my attention was titled “Producing New Business to Balance Cancellations” It’s a topic that I have been working on for over three years.  Fascinating one to me and actually I have my own soluton.  More on that later.

Better uses for paper than this

So you,I and most households in america are inundated with not so good “advertising”  in our mailboxes on a daily basis.  This is also called “Junk Mail” and if it was electronic is called

spam

So this showed up yesterday;

Caseiras_signedlandlors

 

and I want to break it down a bit.  Since somebody killed a tree and likely did not use recycled content/paper

* If they did this is another failure of the piece; not mentioning something worth mentioning*

so the least we can do is provide it with some feedback.

It is what it is they are what they are….

An awesome advertising company that happens to sell insurance.  Every week of the year your mailbox is likely infiltrated by a mailing from Geico.  Not always a letter, sometimes just an insert in something else but they are there.  The message is always the same ” How much could you save on your car insurance?”  They use that goofy gecko, a pig, a caveman, random “b list” celebrities, etc in order to try and get your attention in a crowded place and they do a really good job at it.  This is based on them recently being ranked the #2 car insurer in the United States.

Not so common courtesy

You would think it would still be common I mean we are all good solid, human beings right?  Well of course we are, except from time to time we just do not act like it.  Call it whatever you want;

The Golden rule; treat others the way you want to be treated

I’ve also heard of the

Platinum rule; Treat others the way they want to be treated

Either way just be nice.

Share good feedback as often or preferably more often than you provide bad.

The real cost of a claim is

much more than the money you are given.

10:00 Thusday August 22nd my car was hit.  I was deemed 100% not at fault and only suffered a small cut and a few hours of soreness.  This is being written 23 days later and my car is still in the shop.

Yes, I have a rental and have had it available since the day of the accident.

Yes, I have no out of pocket expense for this accident since I am not at fault.

No, I am not terribly please with this whole claims process.

62 years of loyalty and you get…

A rate $600 higher than the market will bear.  Such a shame.  I have been told that if an insurance company has a customer with no claims they become profitable within about three years.  Based on this it is safe to say a customer of 62 years has earned your company some money, yet you let them go.  Kind of like the goofy T.V. or movie scenario where the employee of 30 years gets a cheap watch and a certificate of appreciation.

In your own world be sure that loyalty goes both ways.  Loyalty is earned and should not be given.  If you vote with your dollars you will likely not have this happen to you.

Enterprise part 2

DISCLAIMER;

  1. Mistakes happen.  
  2. I make plenty of them.
  3. I really value time and may have an unfair advantage and/or extra motivation in this category

So I thought I was done when I wrote this letter to Enterprise yesterday.  Then minutes after writing it Enterprise called and said they should not have given me the car I had, could I please swap it out.  I replied to this message at about 10:00 a.m.  We agreed they had a comparable car **honestly the Ford Fusion may be fancier than the Chrysler 200 but it is not an upgrade** and we agreed that we can exchange cars at 1:00 at my home.  Simple enough, mistake happened, I said no problem I would be happy to help and went about my day.

Dear Enterprise Rental Car,

8/29/13

I had an unfortunate moment last Thursday when my car was struck by another one.  Now that I have had some time to relax and think I thought I would right you a letter.  I believe that if you are going to hand out feedback you need to be willing to share good and bad.  DISCLAIMER, I have been haphazardly recommending you for about ten years since a previous employer had arrangements with you.  Shame on me.