Archive for the ‘insurance’ Category

CONSUMER TEAM ALERT: Homeowner’s Insurance Exclusions

(DALLAS-FT. WORTH, TX – Consumer Team News)   Homeowners count on their homeowner’s insurance policies to be there when they experience a loss.   It’s the nature of insurance and why we buy it.  Still, according to Consumer Team host Pete Thomson, there is a growing number of consumers who are discovering that their homeowner’s insurance doesn’t cover certain losses.   Exclusions on seemingly normal and routine claims such as roof damage and slow water leaks come as a big surprise to homeowners.  According to Thomson, the problem is a result of big insurance companies trying to be price competitive.  Thomson said, “The big insurance companies are trying to capture market share by offering lower priced policies.   However, as they slash premiums they’re also cutting coverage.  And consumers are largely unaware that they’re buying policies that have coverage exclusions.”    Thomson reports that the biggest insurance companies are the culprits.  He added, “It’s the biggest direct writers. It’s the big national companies that advertise all the time and have their names on football stadiums and blimps.”

Roger Harkins of Tri-Star Insurance Professionals

Roger Harkins of Tri-Star Insurance Professionals

To address the problem with insurance policy exclusions, The Consumer Team has launched a series of special broadcasts entitled ‘Bad Insurance’ on 1080 KRLD Radio, Dallas, Texas.   Roger Harkins, an independent insurance agent from Dallas, Ft. Worth is joining Thomson for the broadcasts.   Thomson called Harkins a valuable resource for the broadcasts.   He said, “Roger Harkins has been our insurance industry contributor for over 10 years.  With over 30 years in the industry, he understands the marketplace and is able to make solid recommendations to our listeners.”     Harkins is the owner of Tri-Star Insurance Professionals, a Dallas-Ft. Worth based independent insurance firm.

Thomson said that The Consumer Team insurance segments will be educational and address what consumers can do to make sure their homeowner’s insurance policies will cover them adequately.   Thomson said, “Roger and Tri-Star Insurance Professionals are offering Consumer Team listeners a free insurance check-up. They’ll analyze a policy and identify any exclusions that could create problems for a homeowner.  And because Tri-Star Insurance Professionals is a trusted choice agent, they can shop the market to a number of different insurance companies to find the consumer the very best deal.”

The Consumer Team with Pete Thomson is broadcast Saturdays from 6-8 PM Central on CBS Radio’s 1080 KRLD Radio.   The Consumer Team is produced by McQ Media, Dallas, Texas.






Consumer Advocate Pete Thomson: Healthcare Scams Targeting Retirees

(DALLAS-FT. WORTH, TX)     New healthcare laws have brought much uncertainty to consumers, especially retirees.  According to consumer advocacy journalist and radio host Pete Thomson, new scams are surfacing that are taking advantage of the uncertainty in the marketplace.   Thomson’s weekly radio program, which airs on CBS Radio’s KRLD in Dallas, will focus on healthcare scams on Saturday, July 27, 2013 from 5-7PM (Central).

Pete Thomson - The Consumer Team

Thomson said that the new healthcare scams are reaching consumers primarily through the internet and telemarketing.   He added, “Scammers are targeting seniors.  They’ll often call or email, claiming to be with the federal government, and say they need to confirm a social security number.  Other times they’ll call offering a special deal on low cost healthcare coverage.   The scammers are always looking for personal information that they can turn into cash.”

Thomson claims that the uncertainty surrounding healthcare is helping the scammers succeed.  He said, “Our nation’s healthcare system is about to be in transition and people, especially retirees, are concerned about the future of their healthcare.  The people behind the scams love this uncertainty.   They’re selling security and solutions in a very uncertain environment.”

According to Thomson, the first line of defense again healthcare scams is to simply hang up or delete the email.   Beyond that, he says, reaching out to seniors who are isolated is very important.   Thomson added, “Seniors often become isolated from the mainstream marketplace.  We believe that reaching out to seniors in our families and neighborhoods is an important part of defeating this type of crime.”

Thomson credited Consumer Team New York City reporter Ernie Sprance for his contributions to the special coverage on healthcare scams.   He said, “Ernie did an outstanding job of digging into this issue.  He’ll be filing two different on-air reports on The Consumer Team.   After listening to this information, listeners will be better prepared to deal with this growing fraud.”

Thomson’s Consumer Team talk radio program is one of the most listened to local programs dealing with consumer news, research, trends and issues.   Thomson says that his passion for consumer advocacy started during his childhood growing up in the midwest.   Both of his parents were business owners in Charles City, Iowa.  According to Thomson, seeing successful business and customer relationships fueled his interest in helping connect consumers with reputable business owners.  He said, “Growing up in Charles City, I saw the special relationship that can exist between business and the customer.  Our goal on The Consumer Team is to first educate our listeners regarding the issues that can impact their success as a consumer.  Beyond that, we strive to connect our listeners with great businesses who truly understand what it means to serve the customer.”

For more information on The Consumer Team or to listen live, to to   The Consumer Team is produced by McQ Media, Dallas, Texas.


Good Credit & Larger Home? Save Big on Insurance

(DALLAS-FT. WORTH, TX)      The Consumer Team radio program has become known as a source for great consumer deals.   As Consumer Team host Pete Thomson says on-the-air, “The Consumer Team exists to save our listeners time, money and grief in their consumer lives.”    In the area of homeowners and automobile insurance, The Consumer Team has certainly delivered.   According to Thomson, Consumer Team listeners have the opportunity to save thousands of dollars.

Roger Harkins, owner of Tri-Star Insurance, is a frequent guest on The Consumer Team.   According to Thomson, Harkins and his Tri-Star team have been able to save Consumer Team listeners significant amounts of money.   Thomson added, “For people with good credit and a larger home, the savings can be huge.  Eight years ago, I had my homeowners and auto insurance with Allstate.  Allstate is certainly a good company, but I was paying way too much.   I called Tri-Star Insurance for a comparison quote and they saved me $3,000 a year.   And with Tri-Star, they were able to get me more coverage too.   And now, after 8 years, I’ve saved over $24,000 just because of Tri-Star Insurance and their ability to get the best insurance coverage for the best price.”

Roger Harkins

The reason for the big savings, according to Thomson, is that many consumers are insured by the ‘direct writers’, insurance companies such as Allstate, State Farm, Farmers and Nationwide that give the consumer no alternatives.  Thomson continued, “Direct writers have a captive market. They only sell their one brand and because of this the consumer can oftentimes pay way too much.   With the help of our Tri-Star Insurance Professionals, we’re giving consumers the chance to get a comparison quote and save a lot of money.”

In 2012, State Farm’s rates increased for some consumers by over 30%.   According to Thomson, this opened up a lot of people’s eyes.  He said, “The 2012 rate increases really woke up a lot of folks.  When you see your insurance bill go up by over 30%, it gets your attention.   Fortunately, Roger Harkins and the Tri-Star Insurance Professionals have been there to help our listeners save money.”

According to Thomson, Tri-Star’s designation as a ‘trusted choice’ agency is a huge benefit to the consumer.   Thomson said, “As a trusted choice agent, Tri-Star Insurance Professionals represents top-rated insurance companies which compete to earn the consumer’s business.  Tri-Star is committed to offering the consumer competitive pricing, a broad choice of products and unparalleled advocacy.  Put another way, when consumers do business with Tri-Star Insurance, they win.”

Beyond the cost savings, Thomson says Tri-Star Insurance Professionals has helped consumers in several other ways.   Thomson said, “Many consumers are not only paying too much for insurance but they’re under-insured.   Tri-Star Insurance is very diligent about making sure that consumers have the proper coverages.”   Additionally, Tri-Star Insurance is able to offer big savings on commercial insurance.    Thomson encourages business owners to get a comparison quote.  He said, “The same savings logic applies to commercial insurance.  Anyone who owns a business needs to call Tri-Star and talk to John Coyle who heads up Tri-Star’s commercial division.”

To reach Tri-Star Insurance Professionals, call 214-387-0400 or go to    The Consumer Team is broadcast Saturdays from 5-7PM Central on 1080 KRLD Radio, Dallas-Ft. Worth.   For information on The Consumer Team, go to     The Consumer Team is produced by McQ Media, Dallas-Ft. Worth, Texas.


Have Good Credit? Save Thousands on Insurance

(DALLAS-FT. WORTH, TX)       Pete Thomson, host of The Consumer Team consumer advocacy radio program, defines the program’s mission as saving time, money and grief for listeners.  Recently Consumer Team listeners with good credit have been saving significant amounts of money on homeowners and automobile insurance.   Thomson credits Tri-Star Insurance Professionals, a Dallas-Ft. Worth based insurance company for the savings.  Tri-Star Insurance is The Consumer Team’s exclusive sponsor for homeowners and auto insurance. 

The large savings are now possible as a result of recent rate increases from major insurance companies such as State Farm, Allstate, Progressive, Geico and Farmers.  Commenting on the insurance rate increases, Thomson said, “These big companies that offer only their own brand of insurance have been giving consumers big rates increases.  In the case of State Farm, their rates have gone up over 30%.   Since Tri-Star Insurance Professionals represent a number of different insurance companies, they have the ability to shop rates and get the best deal for the consumer.”

Pete Thomson cited his own personal example regarding the savings that are possible.   He added, “About 7 years ago, I went to Tri-Star Insurance Professionals to get a comparison quote on my homeowners and auto insurance.  For years, I had been with Allstate for my homeowners and auto insurance.  Tri-Star Insurance saved my family $3,000 annually by shopping our insurance with a number of top rated companies.  Allstate is obviously a well established company but they couldn’t compete with the rates of other companies that Tri-Star Insurance found us.  Now after over 7 years, we’ve saved over $21,000.”

According to Thomson, the best opportunity for savings exists for consumers with good credit and a good claims history.  Thomson added, “Anyone who’s worked hard for what they have in life needs to get an insurance check up from Tri-Star Insurance.  People with good, solid credit and larger homes are the best customers of the insurance companies.  And, based on what we’ve seen, these people are the most likely to be paying too much for their insurance.   Tri-Star Insurance Professionals can help you get the best deal on your insurance.  For our family, $3,000 a year is huge.”

The Consumer Team talk radio program is broadcast Saturdays from 5-7PM (Central) on 1080 KRLD Radio, Dallas-Ft. Worth.  Tri-Star Insurance owner Roger Harkins is a regular contributor to The Consumer Team in the areas of homeowners and auto insurance.  Pete Thomson called Harkins an integral part of The Consumer Team.  Thomson continued, “Roger Harkins and Tri-Star Insurance have been sponsors of my consumer program since 2008.  Roger and his team are a great example of what we strive to bring our listeners:  high integrity, great products, fair prices and outstanding customer service.  I’m proud to have Roger and Tri-Star with us on The Consumer Team.”

Tri-Star Insurance Professionals is located in Plano, Texas.  For more information, call 214-387-0600.  For more information on The Consumer Team and to listen live, go to   The Consumer Team is produced by McQ Media Inc, Dallas-Ft. Worth, Texas.




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