Rule 2. They Get to Practice - You Don't!
have more experience than you do! Since the time of Ben Franklin,
the Sellers have been practicing their game (259 years). Collectively,
they have practiced billions of person-hours honing their skills
at this game. How to Win the Insurance
Claim Game is a perfect way to understand the game before
you get in over your head.
3. Don't Believe that You are Lucky Because They Let You Pay
to Play Their Game.
companies are fiercely competitive. There are over 5,500 competing
amongst themselves to lure you into their game. They will do
almost anything to get you to pay to play. One of their tactics
is to get you to believe that if they take your money that it
is your lucky day.
TRAP: Insurance companies are as different as people. No two
are alike. They each have their own method to compete in an
overcrowded marketplace. Very few Buyers understand this important
fact. Buyers who do - have a very competitive advantage. Choose
your Opponents very carefully.
the largest companies are the most difficult to play against.
4. They Create Illusions and Rarely Tell the Facts.
Sellers are experts in creating illusions. Although commercials
and insurance Agents say that they care about you, the facts
are that your claim always becomes their financial loss. Not
one insurance contract has ever been delivered to a Buyer with
instructions on How to Win the Insurance
you become a victim and expect them to care and to help you,
they treat you like a true adversary or claimant, not as an
innocent victim who needs help. The words feelings, goodwill
or ethics do not appear in any insurance contract yet, that
is why people are lured into the game of security, protection
and peace of mind.
5. Know the Purpose of The Game.
Seller's game (business) is cash flow management - not helping
you to recover from any loss.
true purpose of the Insurance Game is to take money from millions
of Buyers and then mistreat them, one at at time, when they
suffer a loss.
be profitable, every insurance company has its own dirty little
secrets that they use to maximize their Wins (profits). This
includes giving you FREE advice (which is more often misinformation);
denying paying your claim whenever possible; minimizing your
losses by telling you how LITTLE your loss is; or sending you
to substandard repair companies who pander to insurance companies
by installing used or phony car parts made in Taiwan or giving
them low, low prices to fix houses, cars, and even people.
6. Insurance is Not a Friendly Game. They Change the Rules When
You are Down.
you buy insurance the Sellers rules are to be friendly, nice
and courteous as long as you don't have a claim. The Game of
Insurance is a vicious money and time management scheme. Sellers
take your money...and they manage the Buyers time.
Buyers become a victim, the friendly Agent passes the ball to
the defensive linemen and you meet, head on, a team of snarling,
vicious lawyers who overwhelm you with time killers and paper
blizzard of legal demands that 99.9 percent of the population
would find impossible to understand or manage.
spite of the illusions of friendship, comfort, security and
joy between Agents (Sellers) and Buyers, the facts are that
the insurance industry is the largest employer of lawyers in
another way; insurance executives, their Agents, lawyers and
politicians are the true beneficiaries of your insurance policies.
7. Never allow the Sellers to Give You the Rules.
education is the cheapest and best insurance policy money can
you don't manage your insurance, insurance will manage you.
The time to learn about Insurance Tricks and Repair
Rip-Offs is today, NOT when you are involved in a disaster
with your car, home or business.
time to understand risks and how to deal with them which includes
carefully choosing the insurance company. Choosing the wrong
insurance company can be worse than the loss.
buying an insurance policy without knowing how how to collect
the claim money is not in your best interest. The time you invest
to learn, will make you as smart as the Sellers, which is what
you must do to be on a level playing field. Know every rule.
8. Use the Sellers Rules Against Them.
their rules against them. It is in your best interest to understand
exactly what you want to insure and how much you want to buy.
It is not to your advantage to allow them to tell you. To get
the very best deal on any insurance policy, you must understand
that you have the money and you should choose the company you
want to do business with - not the other way around.
insurance company does you a favor by taking your money. You
are doing them a favor by being a Buyer.
9. Investigate the Players Before you Enter the Game.
Investigate the claim-paying
ethics of an insurance company before you play in their
game. Bankers will not lend you a dime until they have done
a complete background and credit check on you and your habits
of paying your debts.
you don't know the claim-paying ethics of the insurance company,
it is like lending money to a stranger. All you have is a promise
to pay! How do you know they'll pay you back? DON'T fall into
the trap of being told by a Seller (commissioned Agent) how
much money their company is worth. Or how long they have been
in business. Neither matters when you suffer a loss and need
to be made whole again.
matters is how fairly and quickly they pay their just debts
and make you whole.
must do a claim check before you put up your money. The best
place to find out is to ask certain collision repair companies,
restoration contractors, doctors, hospitals, etc. They are the
people who are qualified to give you the facts. A single source
of quality information is the Quality Information Institute
who collects this valuable information and makes it available
on a fee basis for consumers, much like a credit reporting company
does for lenders.
10. Make the Sellers Play Your Game.
allow insurance Agents (Sellers) to tell you what you need.
Shop intelligently, tell them what you want to buy. You can
make insurance Sellers fill out your forms by doing what
insurance companies and other big businesses do to get the very
best deals by using an (RFP) a Request for a Proposal.
This selection process provides that insurance companies who
want your business provide you with a written bid on exactly
what you want. This method gives you exact numbers to compare
for each coverage and the time to make an informed decision.
All to often, verbal quotes on the telephone or in person are
confusing and rarely to your advantage. Moreover, when quotes
are NOT in writing it is almost impossible to intelligently
compare price for coverage.
RULE 11: Join Forces with Other Buyers.
Buyers win; divided Buyers lose. It is just that simple.
Insurance Claim Game
is too lopsided for you to play it all alone.
about how little consumers know about these rules and how
little clout you will have when your home, office or car
gets blown away or sunk in a storm and your insurance company
is dragging its feet or denies paying your claim.
only way you can get a crowd of support and clout is by being
a member of a very large team of intelligent, committed Buyers
whose mission is protecting your team's interests and well being.
What chance does one person have playing a serious financial
game against an insurance company?
news yet. The more members on The Buyer's team, the more clout
and wins Buyers can score. This is a perfect reason for you
to share these rules and information and invite your friends,
relatives and business associates to join your team.
your insurance company to refund your money and see what happens.
you care, share these 10 Rules with friends, relatives and associates
by making exact copies or Email the 10 Rules to everyone that
you care about.
it on bulletin boards and pass them out amongst your friends,
relatives, organizations and business associates.
will appreciate a different point of view.
more educational materials on insurance and consumer issues,
send a SASE #10 envelope and 2 stamps to the address below.
To see an overview of the Insurance Game Click Below
Overview of the