Finest Insurance Agency Inc. Bought a policy that I couldn't use then didn't help me get correct the issue. :( La Mesa California

If this gentleman requested a company that covers Uber, why in the world would you present a quote for company that does not cover uber? In the insurance field, agents have the biggest responsibility in making sure the client is presented with the correct options, it says so by the California Department of Insurance. By presenting an option that would not cover the needs of your client, you proof that you are more interested in yourself (more interested in collecting broker fees) than in helping your client, and while this might not be illegal, it is totally un ethical. Pleae remember : "Obey the Letter and Spirit of Insurance Law". Refund the Broker Fees and give a reprimand to the Agent, because being un ethical is very close to breaking the law.

We always advise our clients of what an insurance company will or will not accept.  In this case we presented the client with two different quotes, one with a company that allowed for Uber work and one with a company that did not.  The quote that allowed Uber work was almost $2,000 more than the one that didn't.  He chose to go with the lowest quote even though he was informed that the insurance company didn't want any Uber exposure. As far as his statement of just doing this for the commission, we want long-term clients since we earn commission on the renewals too.  We also would have made more commission on the higher premium which did include Uber so what sense does it make to give him the cheaper policy unless he chose it?  Customer service is very important and we tried very hard to accommodate this individual but he is the one that made the choice to go with the lower premium even though he was advised it would not allow him to work with Uber.  It wasn't until Uber requested a certificate from him that he realized he'd made a mistake in choosing the cheaper policy and blamed us for his mistake.  It appears that he just chose the cheaper quote thinking he could do Uber and no one would be the wiser.            

I told them my situation and told them that Uber is why I'm getting the insurance.  They sold me insurance that didn't cover Uber then told me that they would not give the refund for their commission.  The sales representive simply forgot and dropped the ball.  Then to not get in trouble she told her boss a untruth.  When I spoke with the owner (Boss) he was blunt and rood and said that he should not offer ANY refund.  That alone is enough for the buyer to be aware.  Don't buy insurance from this business.  Mistake or Not they only look out for themselves.