Originally Posted by Jim B.

Hi Justin, are you back now? Have a good time in Berdoo?

Back when I was a young man (during the Punic wars) I was an automobile insurance adjuster for physical damage claims for that company with all thos A's in its name

It was explained that the reason that companies would not sell zero deductible insurance, either for comprehensive or collision coverage, because the companies would go out of business if they did.

Imagine having to pay to fix every single tiny rock chip, ding or blemish that happened to car. No can do.

In those days they even made the adjusters charge "betterment" on things like stolen batteries.

The policyholder would come in and file a report his car battery got stolen;
we had to take the report and ask how old the battery was and then deduct the betterment for its use.

If it was an 11 month old battery, we would have to deduct or prorate the amount the use they got out of it, and we would give them the money to buy an 11 month old batter not a new one.

This, of course, would elicit howls of rage from the policy holder.

The old ladies would wail, "OOOOOOH someone stole my battery, I want a new battery!!!!!!!!"

And the worst one of all "WHYYYYYYYYYYY do I even buy insurance?"


I am pretty sure they don't follow that policy nowadays. It is the worst public relations disaster I ever saw.


People would ask me, oh, you work for THAT company? Tell me, are they fair? How do they treat the customers? I would ALWAYS reply: they are like all my old girfriends: TIGHT, but FAIR!!! lol...