Archive for December 2012

A mish-mash of things leading up to Christmas!   3 comments

Hello and good morning faithful!

Not terribly much new going on in the local insurance world, and amazingly few things need to be addressed insurance-wise.

I do want to say that I hope you all have a wonderful Christmas and New Years.  The dog and I will be going on vacation shortly (well, I’m going on vacation, the dog is going to *gasp* the kennel) and this will be my last post of 2012!  (for followers of the Mayan Calendar, I guess it’s my last post ever!).  We will be celebrating Christmas and New Years with some of my oldest and closest friends, and I hope that you have the opportunity to do the same!

I would like to say a little something in light of the events in Oregon and Connecticut.  There is very little that we can do to directly impact the lives of those involved with what happened, but there is a lot that we can do every day to impact the lives of those around us.  Be the good, be the light, and be the joy that people need to see every day.  Show people that there is a better way to live.  Show patience.  Love others.  Be caring and understanding.  Encourage those around you.  Show people that there IS good in the world.  As the world becomes a darker place, the only way to combat that is by adding more of your own light back in.

The fruit of the spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control.  Against such things there is no law.

Next year, I am going to re-double my efforts to show my gratitude and appreciation to first responders.  These people make sacrifices every day to ensure our comfort and safety – there is no such thing as doing “too much” to show them our appreciation – you never know whose life they saved today.

My first year with the Polesky Agency has ended on some very high notes!   We’ve had one of our best years ever, and were recently ranked by the home office as being in the top 10% of all Erie agents!  We’ve expanded the number and types of insurance companies we can place new policies with for both personal and commercial lines, allowing us to better serve our clients by offering them more options.  Our office remodeling job is nearly completed, and the new layout and look have been a smashing success!  We have dramatically expanded our social media presence – LinkedIn, Facebook, and Google+ – and are even the first listing now when you Google “Erie Insurance Moon Twp”! 

I would like to wrap up just by saying that I’m looking forward to a positive, productive, and prosperous 2013, and I hope that we can work together to protect the things you care about most!

All the best for 2013!

Sammy Bo Journey, Scott & Amanda Berney

Scott & Amanda Berney

Scott Amanda and Claire in 3D glasses

Scott Berney Amanda Berney honeymoon

Scott and Amanda Berney on their honeymoon

Relax

Sammy Bo can finally relax and enjoy the holidays!

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A defense for the insurance industry…. based on my own experience   Leave a comment

I wrote this blog on the day that the incident occurred.  I decided to wait a few weeks and give myself time to cool down so I wouldn’t be posting in anger.  Nearly a month after the fact, I’m keeping it intact, as it’s mostly not about anger so much as it is informative about what’s going on out there.  On with the show:

Hello estranged readers!  (all 3 of you)

I’m going to describe an incident in my life today, to defend my industry.  I’m going to eliminate many of the identifying details; the situation is on-going.  However, I think the lesson it holds is an important one.

Very simply, one of my vehicles is in a repair situation that normally would be resolved via the insurance company.  It is, however, being paid out of pocket by the party responsible.  To make a long story short, I was told by the garage that I am being charged a higher rate for my repair.

When I asked why, I was told “Because the insurance companies will pay the higher rate.” 

“How is this a defense of the insurance industry?!  They are paying higher rates than necessary when they could negotiate reductions in cost!”  you might ask.

“While that may be accurate on the surface, there are some factors at play that make that not necessarily correct.”  Sammy would rebut.

To make it as straight forward as possible – the increased cost that’s being charged is lower than cost of negotiating the correct amount.  If an insurance company were to take the time and manpower necessary to haggle for better prices, they would pay more for the hourly pay/salary of their employee than the increased cost of repair – in my case, about $75 total.  It may not seem like much, and in my case, it’s not.  But when you multiply that by hundreds of cases a month (see “A form of insurance fraud” at bottom), every month of the year, well, you can see how it adds up.

One very important point needs made – not every repair shop operates in this fashion.  I was not aware this was going to be the case in my situation, or I would not have gone to the garage that I did.  Now, I’m stuck overpaying (albeit slightly), but I’m aware that it happens, and I’m aware that I need to be more wary of where I go to get repairs done.

Most importantly, I want you all to be aware that in a world of rising insurance costs, it’s not simply a case of the insurance company raking you over the coals.  Insurance companies are being nickel and dimed in this fashion quite often, and there is no simple solution to the problem.  To be blunt, some repair firms will take advantage of this situation, and that results in all of us paying higher rates for insurance.

And to the shop in question, Sammy only has one thing to say:

**Pbbbbbb**

**Pbbbbbb!**

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