AARP / insurance
I called AARP/Hartford insurance, on 4-25-09, to change my current Hartford auto insurance and umbrella from my private agent to AARP. The savings would have been $2000 a year. The AARP agent took my information and said my wife and I had an excellent driving record. They asked me several questions to qualify for the umbrella policy and all was in order. The AARP agent then put me on hold saying that he had to get approval from the underwriter. He came back and apologized and said that he had one more question.
Since I am a physician, he asked if I had ever published or will ever publish any scientific article. My response was yes. He then put me on hold and came back and said the underwriter was denying me my umbrella policy because I have or may publish an article in a medical journal.
I explained to the agent that I am a hospital employee and any article written would have to be approved by the research committee at the hospital and that the hospital also carries a liability policy for me. I even offered to fax the policy. I even suggested they exclude or put on a rider excluding any articles written. The agent went back to the underwriter and claimed to have gone to his boss as well. The response was still NO. I asked how they can possibly exclude everyone in the scientific community who will write or will ever write an article. He could not answer. This seems like a ridiculous and discriminatory reason to deny a policy. It seems like that they were looking for any minor excuse to deny the policy.
What I found most interesting is that I already have an umbrella policy with Hartford. I was looking to change to Hartford under AARP to save money on my auto insurance. The umbrella goes with my auto insurance so I could not change. I did ask the agent why Hartford/AARP denied me while Hartford with my private agent had no problem giving me the umbrella. He could not answer me.
Also what relevance does my professional work or professional life have to do with my personal umbrella since I have separate liability insurance through my place of employment? He could or would not answer the question. In addition he would not let me speak with the underwriter.
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