NATIONAL INSURANCE COMPANY1
Tom Kurtis, Manager of Customer Service for National Insurance Company, and his assistant, Jill Baxter were getting ready to analyze data collected through a mail survey of a sample of National’s customers.
The primary purpose of the survey was to ascertain how customers perceived National’s quality of service and to identify areas for improvement.
THE COMPANY
National Insurance Company is one of the leading insurance firms in the United States. It serves over 10 million customers who have insurance coverage from National for a variety of needs (e.g., home, health, auto, life). The company’s customer base, after growing steadily for a number of years, had started to erode during the past two years. Jack Driver,
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When you have a problem National shows a sincere interest in solving it.
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National performs the service right the first time.
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National provides the services at the time it promises to do so.
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National maintains error-free records.
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Empathy
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National treats you with care.
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National has operating hours convenient to all its policyholders.
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National has employees who give you personal attention.
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National has your best interest in mind.
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Employees of National understand your specific needs.
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Continued
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Exhibit 1 Continued
Tangibles
Strongly
Disagree
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Agree
11.
National has modern looking equipment.
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National’s physical facilities are visually appealing.
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National’s employees are neat-appearing.
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Materials associated with service (such as pamphlets or statements) are visually appealing at National.
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Responsiveness
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Employees of National tell you exactly when services will be performed. 1
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Employees of National give you prompt service.
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Employees of National are always willing to help you.
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Employees of
Different research was done on the positive relationship between service quality and customer satisfaction. In the other words, if service quality decreases quickly, customer satisfaction declines dramatically and if service quality grows radically, customer satisfaction rises rapidly
The Robustness of the Effects of Consumers’ Participation in Market Research that pointed out three different point of customer service.” The first expecting to evaluate on the service provider’s performance evaluation is enduring and lasts beyond the immediate aftermath of the service
The loss of Mr. Taxpayer’s home due to the fire is deductible as outlined in IRC §165(a). The general loss rule of this section states that any loss sustained in the taxable year and not compensated by insurance is deductible. Considering Mr. Taxpayer was not compensated by insurance and he sustained the loss in the taxable year, the general rule of the code section applies. However, due to the nature of the loss, further guidance must be observed. For tax purposes, the loss would be considered a casualty loss deduction which has a set of limitations as provided by IRC §165(c)(3). In order to take a casualty loss deduction, the loss must not be connected to the taxpayer’s place of business and must arise from storms, fires, or other such
Links between single variables of health insurance and all remaining variables accounted for 8.85% of all network connections (Blue and red links in Figure 1. A full list of links is available in the supplemental material). According to general analysis results, by exploring these links with particular emphases on those constituting the most relevant relationships with demographics, culture and income, we explain the role of health insurance in the whole landscape of social resources for wellbeing.
As much as the clinical staff work to avoid making errors, there is still a chance that things may go wrong and may be expected to respond to a litigation inquiry. In order to be prepared for this in eventuality, staff are buying practice insurance. Even where staff are covered by institution’s indemnity insurance, the amount may not be enough to fully cover all members staff mention in the case, loss of wage reimbursement, license board hearing reimbursement nor cover the staff outside their practice area such as where they offer volunteer and/or part-time works. For example, a nurse working in the surgery room is sued for wrong gauze count which resulted to a second surgery for the patient (ANA, 2015).
Can my car insurance company cancel my insurance after an accident that was not my fault?
You have asked whether an insured, through counsel, can demand the location for an examination under oath that differs from that designated by the insurer.
RaizArc Energy will have the Nuclear Insurance Association of Canada (NIAC) as an insurance provider. Essentially, a nuclear power plant must have insurance to cover for the civil liability for nuclear damage, according to the Nuclear Liability Act (NLA) (Government of Canada, 2017). NIAC offers nuclear liability insurance, which satisfies the insurance requirements under the Nuclear Liability Act (NIAC, 2017). In addition, they will also provide nuclear property insurance (NIAC, 2017). In Canada, the liability of an incident connects back the nuclear power operator, regardless of the source of the incident (NIAC, 2017). Therefore, the nuclear operator must contain $75 million in liability, and victims of nuclear
Perceived service quality as a customer-based performance measure: An empirical examination of organizational barriers using an extended service quality model was done by A. Parasuraman, Leonard L. Berry, Valarie A. Zeithaml.
There are four different types of insurance available for our company such as Health Insurance, Global insurance, Life Insurance and Travel Insurance. Life insurance and Travel insurance is underwritten by partners Tower and Allianz. In health Insurance, there are three different types of insurance like Singles Health insurance, Couples Health Insurance and Family Health Insurance.
Quality of service is best measured through customer satisfaction questionnaires which are designed to capture an unbiased view.
Considering service sector it is highly depends on the customers. Customer loyalty is influenced by customer-employee relationship. It is important for organizations to know how customers perceive the quality of services and how these perceptions translate into customer satisfaction and behavioral intentions. Moreover, for an effective marketing strategy and organizational development, organizations want to understand the ways of customer satisfaction. Service quality is the difference among consumer expectations and their perceptions of the service that they received.
The National Association of Insurance Commissioners (NAIC) is an organization that support major regulatory governance of insurance regulators from the 50 states in U.S. Territories. It is one of the oldest association that composed of state officials in America since the year 1871. NAIC has been protecting the rights and interests of consumers and to help writing the financial statements of the insurance industry. So I believe that the information
Service quality represents a fundamental aspect of delivery, which strongly influences consumer satisfaction and, as a result, loyalty. In today’s global market a customer’s service expectation has to be met and exceeded eventually in order to retain customers as well as achieve success. Perceived quality of a product or a service is becoming one of the major competitive factors in the business world and has led to the innovation of the ‘Quality Era’ (Peeler, 1996). In simple words, the comparison of customer expectations with service performance is service quality. On the other hand, customer satisfaction is defined as a pleasurable fulfilment response toward a good, service, benefit, or reward (Oliver, 1997). Both of these
2. Literature Review 2.1 Previous Theory on Service Quality and Customers Satisfaction Parasuraman et al., (1985, 1988) proposed service quality model for the first time and they said service quality can be measure through functional quality dimension which has five components (tangibility, reliability, responsiveness, assurance, empathy). This model identifies the gaps of service quality of the service organization which describe five gaps during the service expectation till the actual service delivery. First gap is the service providers do not know what the expectations of the customers about the service. Second gap is the service provider does not recognize the standard of service that customer expect. Specifications of the service and delivery of service is the third gap. Forth gap is related with delivery of the service. Last and final gap is the customer’s expectation about the service and the perceived service. In latter part Haywood-Farmer (1988) mentioned that there are three important attributes in a service quality for instance (1) physical facilities and processes (2) people’s behavior (3) professional judgment. However, Brogowicz et al., (1990) developed a model for