All-State Ad Irks

This is from a full-page ad in Tuesday’s Wall Street Journal, pointed to us by the inimitable Copyranter. The headline above it reads, “If San Francisco had the same size quake as in 1906, it could cost $400 billion to rebuild.

What are they saying by quoting the $400 billion pricetag? That they’re big and have lots of bucks and we should be nice to them because they’re really going out on a limb by taking out insurance on our insurance (true story)?

Not only does the ad confuse, it also disturbs. There’s a strange correlation between the wintry ornament and the All-State’s mitts. Were afraid the hands will get itchy and pick up the snowglobe.

The Good Hands, Bad Taste People” [Copyranter]

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  1. Ben Popken says:

    Chris writes:

    ‘The Snow globe All-State Ad really irks me the wrong way. Not because of their tasteless use of imagery, but because they imply that they’ll help take care of people in San Francisco. They, and the rest of the insurance industry, is fighting to pay as little as possible to the victims of Hurricane Katrina. Katrina caused an estimated $50 billion in damages ( http://www.weather.com/newscenter/tropical/), and they’re playing “wind-damage/water-damage” on a house by house basis depending on which will cost them the least. That’s only 12.5% of the price tag they’ve placed on San Francisco, assuming the same earthquake hits. So either All-State is saying that the “country-folk” of Mississippi and Louisiana don’t matter as much as the “city-folk” of San Francisco, or they are lying through their teeth.”

  2. Paul D says:

    they’re playing “wind-damage/water-damage” on a house by house basis

    True that. I have family in Mississippi who are going through this very nonsense with their homeowner’s insurance.

    Frankly, I don’t think it’s up to the insurance company (who wasn’t there!) to decide what’s wind damage and what’s water damage. The homeowners are perfectly capable of explaining the difference.

  3. airship says:

    Insurance is a business, and like any business, it’s all about making money. They make more money if they keep your premiums invested than they do if they have to pay out claims. So what if a few people remain homeless? Who cares if grandpa doesn’t get a kidney? Little Timmy starves? Ka-ching! That’s money in their pockets. Insurance has never, ever been about helping people. You’re not in their ‘good hands’, their hands are in your pockets.

  4. nweaver says:

    Also, the homeowners policies don’t even COVER earthquake. In CA, earthquake is a separate insurance managed by the state.

    And a lot of people just don’t have it because it can be really expensive.