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.
Rule 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.
Rule 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 Claim Game.
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.
Rule 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.
Rule 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
Rule 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
Rule 8. Use the Sellers Rules Against
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.
Rule 9. Investigate the Players
Before you Enter the Game.
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.
Rule 10. Make the Sellers Play Your
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
Bonus RULE 11: Join Forces with Other
Buyers win; divided Buyers lose. It is just that simple.
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
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.
see an overview of the Insurance Game Click Below
of the Game