Combinned Insurance Co., Any comments?/....;

When I filed a claim the rep came to the shop and talked to me about it. He asked about disability and stuff and I told him that there were a few things that I couldn't do at work untill I got the cast off but it wasn't much.

He told me that if there was ONE part of my job that I couldn't perform that Combined considered that as disabled from work and paid me for the entire amount of time that I was under doctors care until he released me fully. I had better luck with them than I have with some other more "reputable " companies. Of course they also stopped sending a salesman around to collect my premium the next year also.

I have heard that they no longer offer the coverage that I had but I can't say for sure. I know that for me personally it was one of the most hassle free dealings I hae ever had with any insurance company.

This is in Tennessee if that might make a differnce

I don't know what State you are from, but here in Illinois there is a "Dept. of Insurance" that is very consumer friendly. You can check out any insurance company that does business in the State of Illinois through them. Every insurance company that does any business in the State has to go through this department for licensing. Maybe your State has a similar department.

And By The Way... Anyone that ever has a problem/conflict with an insurance company (in this State) can really get an insurance companies attention by threatening to contact the IL D. of Ins.. Just the treat of bringing the department into the situation will be enough to get the insurance company to settle up. I know from first hand experience. I seriously threatened to call the Dept. onetime when I had a dispute and could get nowhere with an agent... that agent about swallowed his tongue!

Yes, everything you say is absolutely the truth and I have had to give the Nebraska Insurance Commission a call a time or two myself. But, not with this outfit, I might add.

My problem with this little 'Combined Insurance' company is with it's objectives and it's core company goals. It of course, has to and does meet the state requirements to do business here.

What they do however, is sell insurance on a 6 month plan. That plan then is renewed by a salesman visiting you, one on one, every six months on or before the expiration date of that 6 month policy.

Their total objective in this world is to sell you more & more insurance and to always 'up the ante' at every six month period.

There is a reason that their rates are so low.....at first. Buy into their little game and I will guarantee you that within in three years you will be so sick of this outfit, you will be meeting them at the door carrying a ball bat.

This is just my opinion,

Allan

Yes, I have some advice: Run, don't walk away from this outfit.

Allan