Many insurance companies use what are known as call center phone systems. These systems call prospective clients in various different ways. There are five basic call center phone systems that insurance companies can use when marketing their insurance policies, but they cover two main ways of marketing to prospective clients. Insurance companies can use auto-dialing systems when an actual insurance agent is calling prospective clients but uses the phone system to dial the client's number. Insurance companies also use broadcast marketing methods, when prospective clients are called but are not addressed by an actual insurance agent; rather, they are play a prerecorded message.
While these telephone calls may sometimes feel like telemarketer harassment, they're actually great marketing tools for insurance companies. Using these marketing tools can help insurance companies gather information about people residing in a certain area, i.e., demographic information, which will help them better plan their marketing strategies for that region.
These telephone calls can be beneficial to the prospective client, as well. Prospective clients who receive these telephone calls aren't being harassed; they're being given the opportunity to find out more information about a particular insurance company, more information about how that particular insurance company can help with their insurance needs, and even schedule call backs for the times when they really are interested, but just don't have the time to talk on the telephone.
So, the next time you get a telephone call from an insurance company, don't be so quick to hang up. Remember, they are simply marketing their product – insurance policies – just as other businesses market their products. If you aren't interested, let the insurance agent know; or, if you're in the middle of dinner, schedule a call back.
Insurance Companies For Medical
Judge Alvin K. Hellerstein of the Southern District court of New York recently ruled that insurance companies would be liable for $100 million of New York City's legal defense costs resulting from injuries and deaths sustained by WTC rescue workers. This was hailed as a victory for the WTC rescue workers who have been waiting for almost seven years to receive their share of the $1 billion that Congress allocated for taking care of the heroes that helped in the immediate aftermath of the September 11th tragedy. Of course, this doesn't mean that $100 million or more will immediately be given to the WTC rescue workers who have been injured or had their lifestyles compromised. It means that insurance companies will be liable for some of the resulting lawsuits, which is one of the key arguments the State of has been making about keeping the $1 billion out of the hands of the WTC rescue workers. So in this case, both sides are happy. Obviously the state is happy because it is that much less liability they face from potential lawsuits.
The advocates of the WTC rescue workers should be happy too because it means that we should be closer to a time when some of that money is used to pay the workers and their families as opposed to being used to fight their cases over liability concerns. That revelation is still the most nauseating thing about how the WTC Captive Fund has been run. As I've extensively documented, the $1 Billion has been used to fight the cases of WTC rescue workers who have suffered through myriad health maladies. The tide has begun to turn with Congress holding hearings on the matter and renewed talks about setting up a Victim's Compensation Fund. This court decision, along with being supported by legal fact, shows that everyone is ready for this wrangling to come to an end. If a large portion of the liability is defrayed; then there is less reason to delay paying the WTC rescue workers. Of course, nothing is that simple. There are certainly going to be appeals by the insurance companies that Judge Hellerstein ruled against that further extend this process.
During this period, both sides will endlessly be in court while the rescue workers suffer silently. But still, seeing the federal government showing concern (if not quite taking action) is heartening. Seeing rational talk about victims rather than just about insurance companies and liability bodes well for the future. Getting favorable rulings from a justice system that many WTC rescue workers had figured had abandoned them is a good start. Again, optimism still needs to be checked but at least it can exist. To this day, only one rescue worker has received any of that $1 billion despite many having horrific respiratory problems. Government leaders, especially Michael Bloomberg, are still more concerned about limiting liability to their city than helping those who selflessly tried to save it but for once we may be seeing the tide begin to turn.
Both Elizabeth Newberry & Irv Kaplan are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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