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in this particular instance, yeah your friend got screwed, but without knowing everything, its hard to comment much more on that. Still strange that she'd need her own lawyer - liability is the first coverage listed on a property policy, and you'd think they'd rather place their trust in highly paid, salaried, internal corporate attorneys rather than whoever she hired on her own. Id want her as a customer too, but on paper looking at strictly numbers and reports, I probably would not. With the volume of customers that come through, insurance companies have no choice but to have 99% of underwriting done automatically. And I agree, some companies are more ethical than others while still trying to cut that profit...but without knowing the intricacies of rate filings and actuarial data that insurance companies use to determine the underwriting practices, I'm apprehensive to dismiss all of them as unethical. they have to stay afloat to breath, and with thousands of customers per day, one little factoring or underwriting mistake could lead to multi-millions in losses down the road...
Formerly: odysseus(ohio)
Tolkien > Homer _______________________________________________________________________________________________
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