21st Century Insurance...

[Huskerman]

I am trying to post this message in places where it is likely to get the most visability. If I have posted it in the wrong place, my apologies!



If you are considering a new insurance carrier, read this story first!!



21st Century Insurance



Huskerman

 

[FullSack]

kinda lame if you ask me. There are people all over the place that get bent over a company that they think has screwed them.



I've had 21st for 8 years and have never had a problem. My claim was paid in full in a little under 2 weeks.

 

[Huskerman]

Well, I guess I expect better customer service personally. If you read all the documentation this guy has on his website it's pretty obvious they aren't dealing fairly with him. IMHO.



Huskerman

 

[MMeier]

Well, I guess I expect better customer service personally. If you read all the documentation this guy has on his website it's pretty obvious they aren't dealing fairly with him. IMHO.



Huskerman

They are an insurance company. . of course they aren't dealing fairly with him. thats thier job!

 

[nps]

Could you imagine being the waiter that has to serve this guy? Bet his food goes back to the kitchen 5 times! (not making a judgement on the validity of his claims, just his tactics and the fact that he has waaaay toooo much spare time).

 

[Huskerman]

TACTICS??? I think what he is doing is GREAT! It beats tying the courts up with another lawsuit. What other recourse do folks have with these jerks?



Insurance companies expect folks to just roll over and "take it". I think its great that for once somebody holds their feet to the fire.



Frankly, I am SHOCKED at the reaction here so far. With so many TDR members who expect Dodge to cover their warranty even AFTER they have modded the crap out of the truck, I would have expected a different reaction.



At least this guy isn't hiding anything from 21st Century (like taking his Edge/TST/Bully Dog off before going into the dealer).



Huskerman

 

[nps]

TACTICS??? I think what he is doing is GREAT! It beats tying the courts up with another lawsuit. What other recourse do folks have with these jerks?

ummm- well there's a little organization called the Insurance Commission for one. He could have waited to hear the Ins Cos plan before he began dictating terms (by his own admission he called 21st the next day and told them what they had to do - only sets up a confrontational situation and human nature being what it is, 21st automatically becomes resistant). He could have had his own ins co handle his claim and let his ins go after 21st (but then he may have got the same treatement from his own ins co and not had as much sympathy factor now).



I bet he even demanded a luxury car for a rental becasue he was driving a Jag.



You asked. I answered. You may not like the answer. But IMO, this guy is a high maintenance PITA. The squeaky wheel may get you a free meal at Outback when you complain to the manager, but really doesn't work well when you are talking about big $$$. Tact, diplomacy, and reason work much better.

 

[Huskerman]

I bet he even demanded a luxury car for a rental becasue he was driving a Jag.

nps, why don't you explain to me WHY he should have to drive a Suzuki piece of crap when some moron wrecked his Jag?????



You know with your attitude nps I just figured out what the REAL problem is here. You are ASSuming that the guy is a jerk because he drives a Jag. To me that's kind of like ASSuming you are a toothless, redneck, 1/2 wit because you drive a diesel truck. NEITHER is a fair assumption.



As for you comments about insurance:



1) If you go through your insurance (and they agree to fix it which most won't) they WILL raise your rates. Don't believe me, call your agent right now and ask him.



2) If you honestly think a governmental agency is going to settle your claim fairly and in a reasonable time frame, you don't have much experience working with the government.



Anybody that has had to deal with Insurance companies will tell you that if you let them push you around, they will cheap out on the least expensive fix possible without any regard as to making you "whole". You wouldn't happen to be an insurance agent would you?



So nps, do you remove your:

EZ, Jammer Stage 2's

when you go to the dealer?



Huskerman

 

[nps]

Nope - don't go to the dealer. Besides couldn't take off the Jammer 2's if I wanted to - the stockers went back as a core return.



Looks like the only ASSuming one here is you. Guess what, I've owned a Jag S type, a MB ML 320, a 04 Z06 vette, and an 05 vette. Does that make me a jerk too?



Ask your ins co - you might learn something. Your rates only go up if YOU are found at fault. My ins co has always given me the option of putting it on their tab or waiting to hear from the other ins co - sounds like you might be dealing with an ins co worse than 21st if that is what they are telling you.



Go Big Red.

 

[Huskerman]

nps, I am not assuming you are a jerk. But having been a former Jag owner yourself I am sure you can attest that some folks DO make those assumptions. Me, I WISH I had the $$$ for a Jag! Or a Merc! Or a Vette!



My insurance company isn't probably the best to deal with either and I recently switched. Time will tell with the new company. I WAS with Allstate.



Huskerman

 

[Turbo1Ton]

You can bet your ***** that if one of the insurance co. bigwigs had his Jag run over that he'd be getting it totaled and getting a new one. Why can't this guy expect the same?



I don't think he is being unreasonable. I don't recall seeing him wanting exhorbitant amounts of money for pain and suffering. That would be unreasonable.



Here's the question of the hour, would you accept their terms? Regardless of how you would handle it, i. e. letting your insurance co. pick up the tab and then fight it out, or any other way you choose, would you accept the treatment they are giving this guy?



By now it seems it has almost turned into a situation of principles. I hate to say it but it is getting very difficult to find good people to do business with these days.



Jeff

 

[Huskerman]

You can bet your ***** that if one of the insurance co. bigwigs had his Jag run over that he'd be getting it totaled and getting a new one. Why can't this guy expect the same?



I don't think he is being unreasonable. I don't recall seeing him wanting exhorbitant amounts of money for pain and suffering. That would be unreasonable.

Truer words have rarely been said Jeff!!! Good points.



I know a guy who uses his CTD for a living. He got hit by somebody and his truck was going to be in the shop for almost 2 weeks. The insurance company tried to give him an econo-box to drive. How is he supposed to get his work done??



These insurance companies collect money for most people for years and years and years and never have to pay out a dime. With the amount of $$$ I have paid into insurance and having but 1 accident, I don't think its too much to ask to be treated FAIRLY. Like Jeff said, its not like he is going after the old "pain and suffering" bull crap.



Huskerman

 

[Dual EE]

To me it just seems like the guy just started the game playing antics first. Instead of waiting around for the insurance to play their games, he took the first swing. It's great to see the insurance company squirm for a change and see them get buried with paper work. But I think the guy is cutting his own throat. This is one claim they will fight to the end.



It has been my experience that insurance companies, whether it be auto or health, will always look for loop holes to get out of paying. But, it has also been my experience that by playing by their rules, you will get more done.

 

[nps]

Agree with Dual EE. I never said his claim wasn't valid (to Turbo1Ton's point, which I also agree with), but I said his tactics were questionable. His failure to get satisfaction is in large part due to his tactics. He will never be made whole given how much of himself he has obviously put into this battle.



And I still stand by my speculation - he's probably a very difficult customer for a waiter to please also. :-laf

 

[Huskerman]

And I still stand by my speculation - he's probably a very difficult customer for a waiter to please also.

I agree, demanding the minimum of customer service can be a real PITA... . for the people PROVIDING the service.



Huskerman

 

[Turbo1Ton]

I said his tactics were questionable. His failure to get satisfaction is in large part due to his tactics. He will never be made whole given how much of himself he has obviously put into this battle.



And I still stand by my speculation - he's probably a very difficult customer for a waiter to please also. :-laf

Questionable tactics is a relative statement. Who are they questionable to? Obviously not to him. He views the insurance companies tactics as questionable.



Would I handle it this way, highly unlikely. Do I agree with what he is doing, yes and no. I don't think he is in the wrong. His method of handling it doesn't seem to work very well, but his purpose of drawing negative attention to the insurance company is obviously working. Maybe next time he'll consider that old addage "You can catch a lot more flies with honey".



I've jumped the gun a few times on some issues. Not as large as this but product returns that were obviously broken/damaged etc. I've also learned that if you smile and wait to see what the verdict is, you will usually be pleased. Most people are nice and want to do what they can for you until they are given a reason to not be nice.



As far as him being 'whole' again, never. For as important a person as he claims to be he is sure puttig forth a lot of time with that website. Maybe he has just decided not to sleep, I don't know, but I do know that I value my time enough to let others handle it, as nps suggested doing.



This is off topic but, as far as him not being nice to his waiter/waitress; my wife has waited tables on and off since she was 17 (about 12 years or so). It hacks me off to no end to see people treat a waiter/waitress like they are a servant. I love my wife dearly for many things but if for nothing else, her ability not to haul off and knock the hell out of some of the people that she has waited on! I'd make it about 0. 2 seconds as a waiter. :-laf

 

[mberry]

And lets also not forget that it's not HIS insurance company he is dealing with. It's the person who hit him and their insurance company he is dealing with. I, personally, applaud him for taking a stand.

 

[nps]

Well it looks like 21st did the right thing by Brian according to his website, although he doesn't state the details of the settlement.



Won't make any more observations - don't want to upset Huskerman. :-laf



Go Big Red

 

[Huskerman]

don't want to upset Huskerman

LOL! I am passionate nps, but I really try not to take it too personally. Everybody has an opinion and I open myself when I post!



I agree, it looks like they finally stepped up. I hope Brian posts some more details although he might be barred from doing so according to the settlement. I would love to know what the final outcome was.



Huskerman

 

[nps]

So why are you Huskerman?



Grew up in Grand Island, although lived in O'neill for about a year when I was 3. Left in '76 to join the Marines and never moved back, although I still have family in Davenport and Lincoln.