Company Reputation
Many people will select an insurance company based solely on hearsay, or
the fact that "back home they were a great company." As we will see, that is only
a starting point for the following reasons.

An individual may have had a good experience in the past with an insurance
company or an outstanding agent, therefore, they are satisfied with that company
and the service received. That may not be a true reflection of the company in
general. That way of thinking may be a big mistake, since the way things are handled
where you live now may be different than "back home." Local reputation versus
national reputation could be as different as night and day. I guarantee that you can
find someone who has had a bad experience with the same insurance company and
after talking with them you wouldn't consider doing business with that company.
Personal opinion or past experiences have little to do with selecting the right
insurance company.

You need to use the information outlined in Section 2 as part of the selection
process, as well as the information outlined in this Section. The primary reason for
the selection process is insurance companies divide their operating territory and
have different people in charge of various regions or territories. The attitude of each
region can be quite different, even within the same company. This attitude and style
of management will be reflected all the way down the line and affect the way claims
are handled and policies serviced, as well as the agents' attitudes. In addition, you
have state regulations to deal with in each region that may influence the way situations
are handled. However, such regulations should affect all insurance companies doing business in that region in the same way.

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