Auto glass replacement is high on the repair list in accidents.

According to the I-CAR Reference Manual, unibody vehicles are engineered to protect passengers during crashes, i.e. passenger safety is the key element in automobile design.

Note how the windshield remains in place, and the roof of the vehicle absorbs the kinetic energy.

Note how the windshield remains in place, and the roof of the vehicle absorbs the kinetic energy.

Vehicle manufacturers intentionally build safety into autos in the following manner.

  1. Crush zones are built into the front and rear of the vehicle as a series of holes, dimples, or convolutions.
  2. Front and rear structural parts are designed to absorb collision energy by collapsing at pre-determined points called “crush zones.”
  3. Hoods are designed to buckle in order to avoid penetrating the windshield.
  4. The vehicle structure is designed to route impact forces and damage around the passenger compartment.
  5. In a front end collision, the windshield serves to transmit the kinetic energy upward, to be absorbed by the roof of the vehicle.

This is why vehicles appear to fold up like a soda can in a crash. Check out this video for more information.TB Page 96

The key issue to remember is Safety… Safety… Safety.

Windshield replacements can only be performed in a specialized facility, by at least two professionals.

Windshield replacements can only be performed in a specialized facility, by at least two professionals.

To guarantee that you are getting value, quality, and safety, there are seven issues that you must bear in mind when your windshield is replaced.

Your life may depend on it.

If you want to find out more about this and learn much more time, money and grief saving information, you need to become a member of The Consumer’s Action Plan, where you will be educated, empowered and supported before, during and after the things go wrong with your insurable property.


Tagged with: , , , , , , , , ,


Disaster Masters Logo

After Hurricane Sandy

Ron Alford (aged 73), an expert in crisis management, decided to come out of retirement to do something about the massive ignorance and intimidation consumers endure with most all property insurance issues and disaster recovery problems.
Alford has personally managed over 13,000 insurance related disasters in New York City from huge plumbing floods in high-rises to devastating fires, hurricanes, and wind damage.

With this kind of experience, wisdom naturally follows which has given Alford the motivation to right this wrong and to help innocent consumers from becoming prey to those who sell invisible products which are nothing more than a promise printed on paper in exchange for a lot of hard earned cash.

In 1988 Alford recalled that out of those 13,000 victims only a tiny hand full had a complete understanding of how The Titans GAME was played and the rules of the CLAIM GAME.

Yes, Alford has an epic matter on the table that is like a flea leading an elephant and he believes it can be done when tens of thousands of consumers discover that there is a viable and cost effective method for the consumer to take total control of their RISK financing issues and no longer be in the dark before, during or after it hits their fan.

Alford has authored 3 consumer’s books on insurance that he refers to as The GRIEF INDUSTRY; The Crime of the Century – INSURANCE; How to Win the Insurance Claim Game; and Car Insurance Secrets.

Contrary to the protective language insurers use that imply a warm fuzzy comfort and joy, there is nothing fun, joyful or even good about tornadoes, hurricanes, floods, fires, car wrecks, disability or death.

Warren Buffetlike-this-geico-money-commercials-demotivational-poster-1257047181

Warren Buffet

What is worse is being forced to suffer additional stress and pain by learning how The Titans and their defense team play The Claim Game to, dodge, delay or deny, underpay, or not pay at all. Lost time creates grief and money dealing with the unknowns in the recovery process.

Just the word INSURANCE itself is a total mystery much like the word OCEAN. Both are bodies filled with trillions of unknowns that can only be understood after much time and research and you are in or under the water.

Said another way, most people are under water and drown in the ocean of insurance when they become victims of accidents or disasters.

Alford is intense, loud and arrogant.  He has a mission on his bucket list to get RISK FINANCING as a class in high school and college.  Since every man, woman and child is directly affected by The GRIEF INDUSTRY, the only way to manage life is to understand and plan.

If the insurers 100% commissioned sales agents were to approach consumers with, “I have a confusing legal contract to sell you and you have to pay for in cash” they would have a hard time building their sales.

If the agents told the truth, they would tell the consumer that there are no instructions that come with this legal contract. In order to find out how the insurer will handle your claim after you suffer a loss, you have to call to be told how much you lost in the event, based on their low-ball assessment.

Not In Good Hands Anymore

Not In Good Hands Anymore

In doing so, you will be blitzed by a blizzard of insurer’s jargon and lingo. Examples are policies are really very legal contracts, premiums are really cash, “your agent” is not your agent it is their agent, L K Q=  Like Kind & Quality and aftermarket parts are really phony, fake, counterfeit crash parts made cheaply to fit name brand vehicles.

Oh, you think that the government and legal system is all consumers need to help consumers?  Alford says that consumers do not have an even chance due to the insurance lobbyists and the fact that there is not one class in America that teaches risk financing but 10,000 classes that teach you how to sell insurance.


Consumers across North America are coming together as one as members of The Consumer’s Action Plan.

Alford expects that savvy consumers reading this article will become a member of ThePlan, especially if you believe that Quality unbiased information has substantial value and that thousands of victims & vendors are smarter, better and faster than any one individual.


Tagged with: , , , ,

Spot your insurance agent?

Spot your insurance agent?

Fact 1. Insurance is commission driven. Agents cannot earn commissions by teaching you the odds of unwanted things happening or how to manage a crisis. The livelihood of insurance agents depends solely on how much premium they can generate, not by how much they educate you.

Fact 2. Nowhere in our public education system can you learn how to buy insurance that will benefit you and/or your business as much as it does the sellers. The insurance industry has historically controlled your “education” in all insurance matters.

Fact 3. Insurance is totally invisible. Unlike a tangible product, the results of your insurance policy can only be determined after your business, home or life is in serious trouble.  The words “protection”, “security” and “peace of mind” are the illusions that cause people to buy insurance.  Yet, these words have nothing to do with what you will have to do when things go wrong.

Fact 4. The real business of insurance is cash flow management. Insurance companies are in business to make a profit. They collect your premiums first, and then strategically manage their losses (your claims) to insure their profits. Insurance companies cannot profit by helping victims collect money from them.

Fact 5. Insurance companies are masters of information. They fully understand human behavior, actuarial science and cash flow management. This combination of information allows them to sell policies which are so well written that they can almost control the outcome by the exclusions in the policy.

Fact 6. The insurance industry spends billions on sales aids, brochures, presentations, commissions, radio and TV advertising. However, a clear set of instructions for insureds entitled “How to collect money from us quickly and fairly” are never delivered with insurance contracts.

Fact 7. Only 3 people in 100 ever complete an insurance claim form well enough to pass rejection on the first attempt. And 40% fail to ever collect the full amount of what they are entitled to.

Fact 8. Decisions made under stress or intimidation are never as good as decisions that could have been made well in advance and under much better conditions, which is why it makes sense to understand how to file a claim before you buy insurance.

Fact 9. The best insurance you can buy is education – not official-looking papers with promises printed on them.  Make an effort to learn more about insurance.


Tagged with: , ,

The true business of The GRIEF INDUSTRY (aka insurance) is The Claim Game.

The “Grief Industry” clearly defines the business of insurance and the gamut of the products they sell   to consumers. To win in The CLAIM GAME, you have to lose.  Lose your car, your house, your property, your arm, your health, or your life.

There is NOTHING fun, nice or even friendly about The Grief Industry. Although the industry trains consumers daily to treat the purchase of insurance as if their protection is like buying a box of corn flakes or toilet paper from the discount 99 cent stores. Or some billion dollar gecko with a foreign accent is the “go to” reptile that will save you money.  Duh!

Gecko eating

To make the GAME more palatable for the pubic, the captains of the Grief business have redefined the English language so that buying into The GAME will be more savory for consumers, and The Captain’s commissioned Agents can sell more “protection”.

In short, The Grief Industry is a colossal financial game, wherein consumers pay hard cash in exchange for a promise written on official looking paper and the buyer is told, “No problem, don’t worry we will take care of everything.” Sound wonderful?

The words used in the marketing are kind thoughts of caring coined by spin doctors who can turn facts into fiction. Examples:  Money is now premiums; Death Contracts are now Life Insurance Policies; Like a good neighbor SF is there…Nationwide is on your side…

When the alleged insured suffers a loss and reports it to the company, The Claim Game begins. Instantly a wonderful customer is turned into a distrustful adversary, who wants to be paid for their losses.

What are the rules of The CLAIM GAME?

The only rules or instructions consumers get about disaster recovery is from the Titans, who want victims to call their commissioned sales Agents for help. This is clearly a conflict of interest for the Titans, as it allows the insurance company to manage the victim’s personal lost time, the quality and quantity of restoration services. It is always detrimental to the victims.

The contract of insurance says that it will pay to restore damaged or lost property. No one should ever call the people who owe them money and expect unbiased directions or advice.

The problem is that when they suffer a loss, and are tossed into The Claim Game, the victim is under severe stress brought on by intimidation of the unknown. The net result is that victims have no choice but to do what the commissioned Agent told them, which was to call their adversary for help.

What the victims do not know is the rules; the insurer’s players rely on consumer ignorance, trust and belief that the spin doctors are truthful and that their opponents actually care about victims.

To the contrary, the insurance industry is clearly a self-serving, cash flow, finance business that has managed to make consumers do things that are actually illegal in most states and that is to have the insurance team steer the victims to the insurance companies deep discount repair companies.

The Game is getting bigger amongst the Titans of the Insurance Companies, whilst they compete viciously on TV, radio, Google, print etc. to steal customers from one another and to force smaller, better operated companies out of business. America cannot afford to allow small insurance companies to go out of business.


The smartest thing consumers can do is to avoid doing business with the Titans whose public relations efforts cost them billions of dollars in TV ads to pilfer and abuse customers from their competition.

The insurance industry knows and understands more about human behavior and what consumers do, than any other business on earth and they use consumer ignorance about their business to continue to keep consumers in the dark with false advertising, distractions and renaming grief related products using words and emotions that consistently fool consumers.

Tagged with: , ,

Winter DrivingStatistically, driving a vehicle is the most dangerous thing most people do. Few people ever think about preparing for an accident until after they have been involved in one. Without recovery plans, any accident becomes a time-consuming, frustrating event. With a little planning, you can minimize the effects of an accident by preparing yourself and your vehicle beforehand. It is especially important to be prepared during the winter. Icy roads, snow banks and hazardous conditions make winter the season when most automobile accidents occur. Accidents are bad enough in warm weather, but much worse when the temperature is freezing or below.

 Before the Accident

Before you are involved in an accident, there are a number of things you should do.

Things to Decide:

  • Choose a towing company and a qualified repair company today. This avoids having to make these choices under the worst of circumstances later on.
  • Know who you are going to call first and which friend or family member you can contact for help.
  • Choose your insurance company based on how it treats claimants, NOT on price or by any other means.

Things to Store in Your Car:

Make an emergency kit and keep it in your vehicle. It should include:auto emergency kit

  • Emergency telephone numbers and plenty of change – when you are shaken up after an accident, you may not be able to remember the phone numbers of family and friends you can rely on for help. You may also be in a situation where your cell-phone is inoperable.
  • Forms and pens for information exchange.
  • Blankets and/ or warm clothes – when the vehicle’s heater fails or you are forced into the cold, warm clothing is necessary.
  • Camera (disposable or digital) – to photograph the damage to your car and the other cars involved. It is also helpful to photograph anything surrounding the accident such as buildings, people who are witnesses, skid marks, traffic lights, signs and anything that is damaged as a result of the accident. For non-digital images, have two sets of prints made.
  • First-Aid kit.
  • Jumper cables, flares, tire inflation device (Please ensure that you are knowledgeable in the use of these items).

After the Accident

Quality information is critical when you are involved in an accident. It is critically important to know exactly what to do and the order in which to call for help. Often under times of stress it is hard to think clearly. You should keep a recovery checklist in your emergency help kit to gather the information you need from the other driver and the police.snow crash

Exchange information with the other driver. Be sure to get the drivers name, address and phone number as well as the names and numbers of any passengers, witnesses or people injured; driver’s license number, the car’s license plate number, vehicle identification numbers, insurance company name and policy number, insurance agents name and phone numbers. Write down the names and badge numbers of the police officers who took down the accident report and ask where you can get a copy of the accident report.

Call your towing company and have your car towed to the collision shop you have chosen in advance. Never allow a tow truck driver to insist your car be taken to a shop of their choice. Never sign a towing agreement without first reading the fine print. Pay by credit card. Once you have returned home, call your insurance company and notify them that you have been involved in an accident and where your car has been taken for repair.


Tagged with: , ,