[Layne]

I have only 11 years of experience in this endeavor but I have dealt on numerous occasions with these third party reps. If you pay close attention to their spiel you will recognize that they are reading from a script. It is obvious that many are "minimum wage" employees and are nothing more than telemarketers at best. As I recall, this was a profitable venture a few years ago but I have seen insurance premiums rise drastically while auto and homeowner benefits decline significanrly. I remember when I once had a homeowners policy that was $500.00 deductible but was changed to a 1% deductible and this was not mutually agreed. This flat rate glass repair policy is set or agreed to by the insurance companies. This is "bottom line" decisions and certainly not sympathetic to nether the repair person nor the policyholders. As Red West would say 'this is college boy' mentality! One day they will regret not dancing with the one that brung them. God Bless 'ole Everette Dirksen). My view on the changing situation.