DISRUPTION

Please read an outstanding article written by Alex Polyakov:  Alex is co-founder and CEO of Livegenic, a company that delivers real-time visual technology to help organizations improve customer service and field operation support capabilities.
Here is the link for the article: http://www.livegenic.com/what-does-disruption-mean-for-independent-adjusters
Alex also asked me for my opinion and here is what I sent him!
Alex, 
Having worked for several major carriers and running an IA business for about a 40 year span, and now writing short stories about the dark side of claims, I must say, your article on disruption was outstanding. Very well composed, and researched and your insight is far superior to 90 percent of those up the corporate food chain. 
Here in lies the rub or the anomaly! On the surface and what most people see and believe about Insurance Companies is that they are a necessary evil. People reluctantly pay their premiums based on a fear spread by Insurance companies that you need things, very nice things, and you need to protect them from damage, theft, fire or some other such type thing. And regarding real estate or automobiles you own, if you do not insure them the lender will place forced insurance for you! 
All this said, as I have said many times, most, not all Insurance Companies sell you a Promise they never intended to keep! 
"Bottom Line", "at the end of the day" and "truth be told" (all over used cliches) PROFIT is the one and ONLY motivator! The Stock Holders care nothing for how the profit is made and how many lives (not their own) are forever changed or ruined by the stroke of the pen or keyboard in denying or reducing payment on claims. Overall cost per claim is the prevailing factor along with "how can we deny the claim." 
On the more positive side, I would say that any IA organization that wants to stay in business would have to or utilize an in-place team of Virtual Adjusters. Vetted and ready to handle various types of insurance claims. A Virtual Claims Team along with Virtual Managers and Supervisors! 
Also an active and updated list of upcoming companies that will soon be specializing in "Drone" operations. The Drones can in fact become the eyes for the initial field inspection. Then if damages warrant a personal inspection and face to face meeting with the insured or claimant, a list of Independent Field Adjusters in major locations along with professional photographers with some insurance background! Technology as you indicated is moving quickly in the insurance claims business, so recognizing those things and adapting how to use them is needed. Real time websites dedicated to keeping the inside adjuster and the insured and or claimant in the loop is also needed! 
Again, a very excellent written article and I'm looking forward to reading more of your insight! 

Jeff Weiss 




DISCLAIMER: All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.

WAIT

Introduction:

If I had to guess at what percentage of our lives we “wait” I would go with 90%!  Granted that seems high, but if you take into consideration not only waiting to see a medical professional, or waiting for “results” but also waiting for the traffic signal to change, waiting for your transportation to arrive or your significant other, I think you see my conclusion!

If still not convinced there is also waiting in line(s) to buy something like groceries, sports tickets, and pay traffic tickets, boarding a flight or waiting for a train or bus!  Babies are born waiting to be sent home from the hospital, have their dippers changed, be feed and learn to walk and talk.  Religious people are waiting for their Savior to come, or the end of the world or both!  Families are waiting for their children to come home from an evening on the town, work or military service.  Just about anywhere you go you will see a line of people waiting and you always want to find out why and are tempted to join the line!

While I’m sure I have missed hundreds if not thousands of ways we spend most of our lives waiting I think the point is made!  Think about some catch phrases like: Wait Up, Wait for me, Wait a minute, Wait and watch, Wait it out, Wait until the time is right, and Wait for the light to change to green. In short we are a people “Global” of “waiters!”  Not just in the USA but in every Country in the World!  We are all “WAITING”

DISCLAIMER: All Blogs and Blog Posts written by, created by, edited by, reviewed by and published by the Owner, Editor or Designer, Jeff Weiss, Jeffrey M Weiss or Weiss, are just "opinions! There is absolutely no "legal" bases or claimed legal bases for any of the statements. These "Blogs" and "Stories" are posted only for the enlightenment of the readers. When actual names are used the Reader should verify all the statements before formulating an opinion of their own. Nothing in any of these Posts should be considered "FACT" until the reader has verified it for themselves. Those who Post a response or reply do it at their own peril and this Blog Post and its owners do not share in or carry any liability or responsibility for their comments.