Insurance claim funnies-Eventually Made The Right Decision
(I work as a claims adjuster for a major insurance company and have made a liability decision on a minor parking lot accident in which both parties told the exact same story. Unfortunately my client was majority at fault, but we would only be paying 60% of the other party’s repairs. I call my customer and leave a message regarding the liability decision and my phone number. He calls me back a short time later.)
Customer: “I can’t believe you did this!”
Me: “I’m sorry, sir?”
Customer: “How could you do this without calling me first! You decided I was at fault!”
Me: “Sir, I took a recorded statement from you and from the other party and outlined exactly the kinds of things would factor into the decision.”
Customer: “But you didn’t call me first!”
Me: “I did call you; I took your statement.”
Customer: “But then you made a decision!”
Me: “Sir, it’s my job to make a decision, as you know, and I don’t need your permission or approval to do so.”
Customer: “I know! But I can’t believe you did that!”
Me: “Sir, are you contesting liability? You both told the exact same story and given the facts and damage to both vehicles, you’re both telling the truth. No matter how we look at it, you were backing out and didn’t pay attention to what was behind you.”
Customer: “I know! I agree that’s what happened!”
Me: “Then why are you upset? How can we resolve this?”
Customer: “You made this decision!”
Me: “Sir, I had to make a decision. Again, are you questioning the liability decision? Do you have other information to add?”
Customer: “No!”
Me: “Sir, then please tell me what you want me to say because I simply don’t understand how to resolve this for you.”
Customer: *pauses* “Well, you know what? I’m just mad about the whole thing. You haven’t done anything wrong.”
Me: “Okay…”
Customer: “I’m really sorry. I work in customer service and I hate when people call and yell at me, and that’s what I’m doing to you. You made the right decision, I accept it, and I’m sorry for yelling at you. I just… needed to yell at someone.”
Me: *trying not to laugh* “Well… thank you, then. I can definitely understand that!”
Customer: “Thank you for being so patient with me. I’m really sorry, again, to have yelled at you and hope the rest of your day goes better.”
Me: “Thank you.” *we go on to resolve claim payment and I explain repair procedures, etc.*
Manager: “I heard you talking and picked up to listen in. I didn’t know what he was angry about either!” *laughing* “I’ll put a few notes in file about how you handled the call.”
(A few minutes later, a team leader comes up to my desk.)
Team Leader: “Hey, I just wanted to let you know I just took a call from a guy who said he just yelled at you for no reason. He wanted to make sure your supervisor knows he thinks you’re excellent at your job, you’ve provided great customer service and he’s happy with the outcome of his claim. I’m passing this on to your team leader and manager.”
(I STILL laugh about that call, and think it’s one of the reasons I was promoted shortly afterward. Thank you, sir!)
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