I would be most worried about the retired widow who just lost her paid-off house. The insurance claims estimator/adjuster will end up ripping these folks off with low-ball offers.
Does anybody know of any plans by any of consumer-friendly organization to inform these people?
The insurance companies number 1 goal now is to minimize payouts. They have very honed techniques to do this. See top of this thread for link on some of these techniques. Sort of disgusting. Any you folks in the insurance industry that can comment anonymously? Do the right thing!
