Be wary of National General Insurance

DFord wrote:
doxiemom11 and ItsyRV, one can only hope your insurance treats you as you would treat others. The ramifications of the OPer's claim sound very excessive to me. Now that they've screwed him over, it will take years for him to get out of the high risk category they put him in making it extremely hard to find another company to cover his vehicles. I understand greed rules today but that doesn't make it right. Our failed for profit system of metering out health care is another example of insurers run wild.

Um, I would not want the alternative of dying waiting for care like happened to my father in law. He died of a very treatable illness that in the US would have been routine however under the socialized system of his country he didn't make the cut for the care rationing. He never got the surgery in time and died waiting. Of course, we could have paid the bribes to move him up on the list but there were no guarantees they would actually honor that either. Sorry, granting all power to the all-powerful state and government bureaucrats to decide who does and does not get care is not a solution.

Insurance is about transferring risk nothing more nothing less. The solution to an insurance company treating me poorly is more competition and more consumer choice along with greater transparency. If an insurance company routinely treats its customers poorly they will lose business and eventually go out of business. That is if the government doesn't prop them up by erecting major barriers to entry of new competition (for those who are interested the term is "rent seeking" when a business asks the government to impede the entry of competitors by increasing regulation or taxes or by asking for special treatment). We need more competition in the insurance business and ultimately that will make for more happier customers.