Exactly Rev. Larry.
I deal with them almost daily. Or at least the auto insurance appraisers. A lot of these guys don't have a clue. They used to employ former body men who at least knew something about cars. Now they want to get some snot nosed geek right out of college, send them to a 2 week estimate training school, and then have that kid who doesn't even know how to check his own oil, come out and tell me how to and how long it will take to fix the vehicle.
I am not anti insurance, but damn I'd like to be on a level field with them.
Name me one item that you buy in which you don't really know what you bought until after the sale. And that would be insurance !!!!! You never get to see the policy until after you have already bought it.
I wish I had a nickel for every time I fought with an insurance agent over what was covered and what was not in a policy. Most times I had to go over their head and go right to the claims office to do what was necessary for my customer. And I hate to post this but my biggest problems were dealing with the women employed by the agent who thought they knew everything !!!!
Come to think of it, I deal with that every night when I get home......