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Don’t you have a duty to explain the details?
HAHAHAH this cracks me up. This is every client I have to talk to ever. they literally never understand their policies no matter how many times you tell them.
I explained things the best I can, but my job is to get the sale. So if they look like they’re stressed out and not understanding things, I’m not going to risk confusing them more.
Ya know when you go to your doctor to.refill you prescription for Viagra and even though you have insurance you first gotta pay your doctor $50 and then pay the pharmacist full price for the pills?
That is an example of both a deductible and a coverage denial.
I can tell you now, no matter how much you explain it, most people have no idea what you are talking about. They have no understanding until they have a claim. they pretend at that point that no one has ever explained it to them. 😒most people go the cheapest route and expect the outcome to cover any and everything they want it to cover, not what they chose for it to cover. The insurance documents literally have photos next to explanations and check marks of what they have covered. There are even break downs of how numbers are made (ie home rebuild value) and acv versus rcv and examples on how that pays and they still do not take the time to read that. The launige is very easy to understand. At this point it is just willful ignorance. I explain it to the best of my ability and once they ask how the coverage was chosen etc they get referred to their agent. It is beyond my scope. I have the ability to go over options etc but that is beyond my scope and once we go there it can open a can of worms.