I am wondering can these 2 words be put together? I am hoping they can, so I can find a new agent. This policy is for my catamaran sailboat, and the agent has left me without insurance. Here goes the story.
Last year while in the Bahamas I called my agent to make sure that they recieved my check. Yes, they had recieved it, but not my new survey of the boat, IMAGINE, that was requested. My fault I missed that one sentence in a 5 page letter that was located near the back.
I sail back to Florida 2 months early to get the boat hauled, and surveyed. While I am in the yard the agent informs me that I no longer have insurance, so don't have the boat launched until my survey clears. I sit in the yard for about 10 days waiting for approval. I get approval 2 months after my insurance has expired. My anniversary date being 3/08. The new check cashed on May 5th.
During this time my boat is broken into, and many valuables stolen. Since the agent has informed me that I was not covered I never called, or made a claim. Now the discrepency begins. I believe I am covered May to May, but they want payment in March. I call my agent, and ask why it isn't May. He says that my anniversary date is March, so I ask him a total of three times to make sure of this statement.
Now that I realize that I was actually covered I inform him that my boat was burglarized. I have never heard someone with such good speech stutter so much. He says I should have called. My reasoning is WHY, since I was informed I was not covered while I was in the yard.
Now this conversation is taking place on Feb 28th, and he says he will have to get back to me. I ask, later in the day, or tomorrow, and he says YES. I am waiting for his reply to our differences before I send my new policy check.
On the 8th of March early in the afternoon while doing some paperwork I notice it is the 8th. I immediatley call the agent to find out what his decision is. He doesn't take my call. At 5:43 that same day he calls to tell me I need to seek insurance someplace else.
I am sure he has done nothing illegall, but I am now left without insurance, and not able to find a new policy as of yet. He also knows not many are writing new policies, and to wait until 5:43 on the last afternoon to renew my policy is a wee bit unethical.
1st option was a call to a lawyer, and I was informed that I got shafted with no recourse. The 2nd option was the state commissioner, and they are now trying to figure it all out. The 3rd, and most beautiful option is the right to free speech. So here I am on my soapbox asking the question. Can the 2 words on insurance, and ethics be put together?
If you search my images you can see I would be devastated to lose my boat!
Insurance & Ethics?
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