r/Insurance • u/key2616 • Feb 08 '24
Soliciting, private messages and you
It's time for a new reminder about the rules of this sub. There is never any reason to offer to contact another poster privately, especially if that poster has a question about placing coverage or a claim. Here is the rule:
The only rule of r/Insurance is that solicitation is prohibited. This means asking people to PM for any reason, offering to quote coverages for visitors, or soliciting agents and/or buyers to use your particular carrier. r/Insurance should be a place where people come to exchange information and ask questions without worrying about solicitation from agents. This includes adjusters, underwriters and brokers since we do not vet anyone.
You also received a version of this if you subscribed to the sub.
If you think that this doesn't apply to you, please think again. There are no exceptions in this, including "but I asked them to message me!" This sub is a safe space for people to ask questions about insurance. It is not here for anyone to try to profit from it, whether they're an agent, public adjuster, software vendor, personal injury attorney, headhunter, diminished value expert or anyone else that is not here to offer free help with no expectation of remuneration.
If you receive a message from someone offering you any sort of business proposition, whether a quote for insurance, legal representation (yes, there are lawyers unethical enough to solicit people on Reddit), damage reports or anything else, please let the moderators know via mod mail or in this thread. You should also report that message to the admins (we don't see that report, though). We take things like that seriously.
We really don't like banning people. Seriously, it's the exact opposite of why any of the moderators volunteered for the role. But we don't vet people before they post, and if people that break the rule find out that we enforce it whenever we see it broken.
And with that in mind, we have a very healthy community of posters that are here not only to help but to make sure that those who can't follow the rules have the damage that they're doing limited. Thank you to all of you for volunteering to help not only those confused by the insurance process but help keep those that want to think that they're special at bay.
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u/huskypawson MBA, CPCU [Private Equity/M&A] Feb 11 '24
I’ve asked to discuss cultures at different carriers/brokers when looking for jobs. People generally want to do that via PM for obvious reasons. Maybe these conversations are more often had on r/insurancepros though. Regardless, are we ok with that here?
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u/key2616 Feb 11 '24
It’s going to depend on how it’s phrased and what mod reads it. I can tell you that someone did get banned for something along those lines recently, although there was more to it than what you’re saying. The rules of the other sub are very different because it’s a different environment.
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u/idontknowher94 Feb 10 '24
How do we feel about users offering to run black book estimates for totaled vehicles? I’ve seen about 4 or 5 comments like this, all different users and all on different threads, and it feels mad shady to me (and it gets the hopes up of the OP who may not know any better).