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R I S K M A N A G E M E N T What’s the True Cost of Your Insurance Coverage? CA International’s wholly owned classified her as a financial planner CIA client service representative A insurance agency, Collectors rather than a collection agency and reviewed the member’s loss history and Insurance Agency Inc. (CIA), sometimes explained the ramifications, which shared with the member that in the hears from ACA members who have found could include the coverage being null past three years he had three loses, all a lower premium elsewhere. Upon and void in the event of a claim. Upon with payouts well over the deductible. examination, CIA representatives typically calling this to the agent’s attention, she If the same claims occurred with the find the coverage is substandard and was told it didn’t matter and she other carrier’s policy, his premium switching policies would expose the “should be fine.” Uncomfortable with savings would not make up for his out- member to undue risk. Following are a few that response, she wisely elected to of-pocket deductibles. The member examples. remain with CIA. remained with CIA. • An ACA member in South Carolina • CIA spoke with an insured ACA • In April 2008, an ACA member asset contacted CIA and another insurance member who received an E&O quote buyer left CIA’s E&O program because agency for Errors & Omissions (E&O) from another agency for approximately another agency offered a policy with a quotes. The other agency provided a $500 less than CIA’s price. He said he premium savings of $5,000. Four quote several hundred dollars lower was concerned with protection for months later, the member asked to than CIA’s. Before purchasing the policy, Telephone Consumer Protection Act return to CIA. The other agency hadn’t which he was told was “apples to (TCPA) claims and that the other included all o
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