Hey once the goverment takes over health care who do you complain to? Your Senitor or Rep? Since when does goverment care about you or me? Answer: 2nd Tuesday in November. But then only half of us show up anyway….WE GET THE GOVERMENT WE DESERVE……AND IT SHOWS!!!!
Here’s another good question – what percentage of complaints were lodged against 800 number companies, and what percentage of complaints were lodged against regular insurers (ones that have agents)?
When clients understand how the contract works, or how claims are settled, or what is behind premium increases or decreases, they tend to complain less.
I’d be interested to see how many complaints were lodged by insureds that didn’t bother to read a policy form but instead chose their carrier based solely on premium savings. I’d like to see how many of them were unhappy with their cheap policies once they discovered that it didn’t actually cover anything. Had they read the laundry list of exclusions, they would have known.
I could not agree with you more. I deal with Dept of Insurance Complaints sent in to us from Tallahassee and also Executive Complaints. Most of the complaints are derived from premium issues. What always seems to get me is when policyholders will sit there and complain about their rates after their policy increases because of an at fault loss (after being insured 6 months). They were not complaining when we were paying their claims out, but they always want to complain afterwards…. go figure….
Carriers in the US should really count their blessings for if the average consumer knew of the existance of an state insurance commissioner and their basic right to appeal the numbers would be much higher.
They would still have to read the policy to get to the part were the DOI is listed for any complaints, etc. Betcha they don’t even bother with that & I doubt the numbers would change much.
BILOXI, Miss. (MCT) — In some cases, State Farm’s top leadership prefers not to share or even keep records that offer insight into how policyholder claims are handled, according to court records.
Chairman and CEO Edward B. Rust Jr. said in sworn testimony earlier this month that no minutes are kept of quarterly meetings held by the company’s top management, the Chairman’s Council, and that policyholders have no right to information about an investigation State Farm Insurance Cos. has ordered of its relationship with Haag Engineering Co.
State Farm spokesman Phil Supple said the company doesn’t “intend to-;try this-;case in the media.”
“State Farm stands by testimony given by President and Vice Chairman Vince Trosino, who said when asked about these allegations, ‘It’s not part of our system. It’s not part of our core values. It’s not what made us the most successful property and casualty insurer, life insurer, in the country.'”
Juries in two states, Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. Mississippi’s attorney general currently is conducting a grand jury investigation to determine whether State Farm and other insurers denied Hurricane Katrina claims through the use of fraudulent engineering reports.
Haag denies bias, but State Farm suspended business with the company in June and ordered an independent investigation after an Oklahoma jury awarded a total of $13 million to a policyholder over tornado damages. Subsequent trials are set to determine damages for 70 other policyholders, all of whom had claims investigated by Haag.
In past court cases, judges have chastised and even fined State Farm for withholding records the company was ordered to produce. Evidence the company destroyed documents has been presented in several cases.
In the Oklahoma case, after State Farm finally turned over to the court a “claims legal research” DVD and other records, Judge Richard G. Van Dyck told company attorneys
“As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients.”
Gary T. Fye, an expert in the analysis of disputed insurance claims who lives in Nevada, often testifies in insurance cases. Fye, who said he has testified on behalf of policyholders and insurance companies, has provided the courts information on State Farm’s history of destroying and withholding records.
In 1998, Fye wrote in a Florida case
“I have been witnessing document destruction, concealment, and obstruction of discovery by State Farm for many years in connection with my review of internal claim practices documents of the insurer. I have accumulated certain Exhibits which show the company’s goals and objectives for document handling by its employees. The documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
In some cases, company executives did not keep records.
Jeff Marr, the attorney suing State Farm in Oklahoma, took sworn testimony Sept. 6 from Rust. Topics included Rust’s Chairman’s Council, made up of top State Farm executives. The group, which includes the company’s general counsel, meets quarterly.
Marr was fishing for records of those meetings that he could subpoena for his lawsuit.
“Certainly,” Marr asked Rust, “you keep records of the quarterly meetings where the entire Chairman’s Council is present?”
“We have an agenda,” Rust said, “but minutes in that, no.”
“Why not?” Marr asked.
Rust replied, “Never felt a need to.”
Marr later asked, “Are there any written agendas that are available should I choose to request them in the lawsuit?”
“I’m not sure what might be available,” Rust said.
Rust also said policyholders, who essentially own the private mutual company, are not entitled to know what the Chairman’s Council discusses or decides about litigation against State Farm, citing attorney-client privilege.
Marr questioned why the company would withhold information from policyholders, who own State Farm.
“Well, again,” said Rust (who has a law degree), “I’m not an expert in the area, but I think as you find — even if I’m a shareholder in a publicly traded company, there are things that are not — you know, I do not have access to.”
Marr later asked if policyholders have a right to see documents from State Farm’s investigation of Haag.
“No,” Rust said.
“Why not?” Marr asked. “Is it privileged?”
Rust said, “I believe so
Subject Posted By Posted On
ED RUST JR TOJail with Alberto R. Gonzales criminal investigation Jan 12, 2009, 7:11 pm
RE: Madoff Stays out of Jail nobody important Jan 12, 2009, 3:14 pm
Madoff Stays out of Jail The RIddler Jan 12, 2009, 2:49 pm
RE: investigater Dick Tracy ethical Jan 12, 2009, 10:09 am
investigate Dick Tracy i LIKE i LIKE Jan 12, 2009, 10:07 am
RE: RE: investigate nobody important Jan 12, 2009, 10:01 am
RE: MONEY THE DONOR WITH RANK. nobody important Jan 12, 2009, 9:59 am
RE: investigate $9.24 billion Jan 12, 2009, 9:58 am
MONEY THE DONOR WITH RANK. Billion IN fraud Billion IN f Jan 12, 2009, 9:56 am
A total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. 1 OF THOSE 195,669 IS ETHEL ADMAS Farmers Insurance denies claim then caves in only after pressure from Insurance Commissioner and Public.
Danny Westneat a columnist of the Seattle Times wrote a series of articles about Ethel Adams. Ethel was in a multi car auto accident in Seattle. “Farmers Insurance has decided not to pay her a penny because they say someone caused Adams’ crash on purpose.” They said this was not considered an “accident”.
Ethel Adams was cut from her car, doctors debated if Ethel Adams would live or walk. She spent nine days in a coma, she had collapsed lungs, seventeen broken bones, spent one month in a hospital and five months in a nursing home. She is also confined to a wheelchair as you can see in the picture above.
Ethel Adam’s employer had $2,000,000 of insurance coverage with Farmers Insurance Group. Farmers had used what is referred to as “exploiting technical loopholes” to make attempts to avoid paying Ethel Adams. Washington State Insurance Commissioner Mike Kreidler told Farmers Insurance they have until October 20, 2005 to justify their position for not honoring the claim of Ethel Adams. On October 20th Farmers decided the right thing to do was to pay Ethel Adams.
Farmers Insurance only caved in after being threatened with a lawsuit by Insurance Commissioner Mike Kreidler, complaints by the public, as well as national television exposure by both “Good Morning America” and Fox’s “The O’Reilly Factor,” which were planning stories. Read the articles below for more detail.
Some quotes from Insurance Commissioner Mike Kreidler: “They’re just wrong, and it’s obvious they’re wrong. The bottom line is they are going to pay this claim.”….”If the company continues to refuse to pay, the state will initiate an administrative hearing accusing Farmers of violating the insurance code. That’s the first step in suing them.”…”We could always suspend their certificate to do business in this state as well”
-Here is the letter in which Farmers denies the claim (6/22/2005). It states, “Truck concludes that he acted intentionally in ramming Campo’s vehicle, causing it to overturn and pushing it into the southbound lanes of Aurora Avenue, and thereby causing the multiple vehicle collision that resulted in injury to Ms. Adams. Testa’s conduct does not satisfy the application definition of “accident”. Truck is denying coverage for UIM claims based on Testa’s conduct for this reason.” (Pg 4, Para 6)
-Letter from the WA Department of Insurance to Farmers Insurance (10/17/2005). It states, “The information available to us at his point demonstrates that the denial of her claim by your company is not only unconscionable, but is contrary to public policy.”
I see we’ve got our cut & paste spam poster around again.
Dude, get a life. We all know you’re being paid by some lawyer (if you aren’t one yourself) to badmouth insurance companies.
And if by some chance you’re a licensed ‘professional’ in the insurance industry, I must remind you of the ethical conduct guidelines most state insurance departments maintain about badmouthing your competition. If you’ve nothing good to say, then keep your mouth shut and prove your better then the competition by proof of your work.
I’m happy to see that I’m not the only one who thinks Mr. Cut and Paster is a paid poster. This should be stopped by IJ somehow even though this idiot posts under a different name every time.
TO THE UNTOUCHABLES. Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more.
Juries in two states, Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. Mississippi’s attorney general currently is conducting a grand jury investigation to determine whether State Farm and other insurers denied Hurricane Katrina claims through the use of fraudulent engineering reports.
Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. We are sending $900 million of taxpayer money to help rebuild Gaza and yet we cannot get our elected officials to take care of their own AMERICAN CITIZENS! Flood insurance is an essential part of a property policy for many people in the United States of America. In addition, mortgage companies require a flood policy to be in effect should the home be in a designated flood zone.
Will members of Congress please pass the darn thing and start worrying about taking care of Americans FIRST!
delays, denials of claims and unsatisfactory settlement delays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlement
Here’s another good question – what percentage of complaints were lodged against 800 number companies, and what percentage of complaints were lodged against regular insurers (ones that have agents)?
When clients understand how the contract works, or how claims are settled, or what is behind premium increases or decreases, they tend to complain less.
Delays 26,844 19.
Read the policy MY POLICY WAS TO HELP IN CASE. BUT I DO GET IT IT,S JUST A NUMMBER GAME
numbers game. 25,851 18 PEOPLE Denial of Claim SORRY GUYS ITS JUST A NUMMBER GAME.
I’m impressed with your ability to cut and paste so much garbage in so short a time. It’s obvious that the people that pay you to do this posting are getting their most out of the minimum wage.
Read the policy MY POLICY WAS TO HELP IN CASE. BUT I DO GET IT IT,S JUST A NUMMBER GAME
numbers game. 25,851 18 PEOPLE Denial of Claim SORRY GUYS ITS JUST A NUMMBER GAME.
Needless to say to a normal human, that was sarcasm on my part. My 5 year old granddaughter can cut and paste. You have no knowledge of the industry you are constantly berating. You are a moron. I just wanted to be clear for your benefit. I get paid to work for a living, you get paid to spout the nonsense you do because you can’t get a real job. Minimum wage is way too much. Is this post clear enough Mr. Cut and Paste? You and your posts are a joke. I hope your employers actually are smart enough to understand the joke.
delays, denials of claims and unsatisfactory settlement delays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlement
A MOST SEE MOVIE -FLOW THIS MOVIE WILL MAKE YOU CRY AND ASK FOR GOD TO HELP US ALL. THE NAME OF THE MOVIE IS FLOW. HOW DID A HANDFUL OF CORPORATIONS STEAL THE WATER. I DO NOT MAKE ONE DIME FOR DOING THIS I HAVE GRAND BABY,S AND JUST ONE LIFE AND I WANT TO LEAVE IT BETTER THAN I FIND IT.
Mr/Ms Cut&Paste (whatever you are)
Do us a favor and stop spamming our forum with nonsensical posts.
FYI The posted numbers given are pretty damn insignificant when compared to the number of claims filed each year. Reading back to a prior IJ article ( found here http://www.insurancejournal.com/news/southcentral/2008/12/02/95960.htm ) , Hurricane Ike ALONE generated near 530,000 claims as of the end of September. God know’s how many claims were filed with the California wildfires this past year, and also all the other massive natural disasters that also occured.
This to does not count the countless thousands of other auto, health, homeowner, liability, and other claims that are filed every year on a more personal level.
I personally think that only having approximately 190k complaints to be pretty good. Especially considering less than half of those (72,716) were claims related.
btw.. with all your railing against homeowner’s companies…
Only 23,212 registered Homeowners complaints. Not broken down catagorically into claims/pricing/cancellations.
State Farm Florida, prior to pulling out of the state of FL had 1.6 MILLION policies. To put that into perspective that number of complaints comes to 1.45% of the total number of policies written in ONE state by ONE carrier.
On a conservitive basis lets increase the number of policies by an additional 49 states 49×1.6M + 1,600,000 = 80,000,000 policies not necesserilly all written by one carrier, nor each state having that many.
By this point the number of complaints is only .029% of the total potential number of policies…
Here are some numbers. State Farm finished number two in customer satisfaction to Amica. Lets see – the biggest personal lines P&C insurer in America comes in second to a small, customer oriented company like Amica. Not bad. We do claims followup at 3 days, 10 days and at 30 days we send a questionnaire to claiments and guess what?
We get a positive response from not only SF clients but claiments from other companies too.
Geico brags in their ads about a 97% claim satisfaction rating. They don’t tell the public that’s about the worst satisfaction rating in our industry. Do me a favor – cut and paste and belly ache about Geico for a while, will you?
HOw can someone reading an insurance publication know so little about insurance?
overwhelmed with actual facts State Farm finished number two in customer bull ****.the public that’s about the worst satisfaction rating in our industry.
Gee Bill, there’s a real factual post. The numbers posted by people that don’t agree with you are bull, right? Your so called facts are the light of day? As someone else asked, how can someone posting on an insurance web site be so uninformed about insurance?
You all most be dorones do you not see the miss we are in because of greed.numbers game.
Complaints-unsatisfactory unsatisfactory unsatisfact denials of claims
Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more.
Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in
State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. protect their empire from the consumer.
denies claim
Comment:
A total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. 1 OF THOSE 195,669 IS ETHEL ADMAS Farmers Insurance denies claim then caves in only after pressure from Insurance Commissioner and Public.
Danny Westneat a columnist of the Seattle Times wrote a series of articles about Ethel Adams. Ethel was in a multi car auto accident in Seattle. “Farmers Insurance has decided not to pay her a penny because they say someone caused Adams’ crash on purpose.” They said this was not considered an “accident”.
Ethel Adams was cut from her car, doctors debated if Ethel Adams would live or walk. She spent nine days in a coma, she had collapsed lungs, seventeen broken bones, spent one month in a hospital and five months in a nursing home. She is also confined to a wheelchair as you can see in the picture above.
Ethel Adam’s employer had $2,000,000 of insurance coverage with Farmers Insurance Group. Farmers had used what is referred to as “exploiting technical loopholes” to make attempts to avoid paying Ethel Adams. Washington State Insurance Commissioner Mike Kreidler told Farmers Insurance they have until October 20, 2005 to justify their position for not honoring the claim of Ethel Adams. On October 20th Farmers decided the right thing to do was to pay Ethel Adams.
Farmers Insurance only caved in after being threatened with a lawsuit by Insurance Commissioner Mike Kreidler, complaints by the public, as well as national television exposure by both “Good Morning America” and Fox’s “The O’Reilly Factor,” which were planning stories. Read the articles below for more detail.
Some quotes from Insurance Commissioner Mike Kreidler: “They’re just wrong, and it’s obvious they’re wrong. The bottom line is they are going to pay this claim.”….”If the company continues to refuse to pay, the state will initiate an administrative hearing accusing Farmers of violating the insurance code. That’s the first step in suing them.”…”We could always suspend their certificate to do business in this state as well”
-Here is the letter in which Farmers denies the claim (6/22/2005). It states, “Truck concludes that he acted intentionally in ramming Campo’s vehicle, causing it to overturn and pushing it into the southbound lanes of Aurora Avenue, and thereby causing the multiple vehicle collision that resulted in injury to Ms. Adams. Testa’s conduct does not satisfy the application definition of “accident”. Truck is denying coverage for UIM claims based on Testa’s conduct for this reason.” (Pg 4, Para 6)
-Letter from the WA Department of Insurance to Farmers Insurance (10/17/2005). It states, “The information available to us at his point demonstrates that the denial of her claim by your company is not only unconscionable, but is contrary to public policy.”
By all means, one instance that you state as absolute truth is proof of wrongdoing for all the company. They are all criminals. If every industry had a complaint ratio as low as the one caffiend quoted for insurance companies in an earlier post we would all have a better marketplace. People like you like to twist a few bad incidents into an industry or company wide systematic criminal issue. What an idiot. What law firm or “consumer advocate” do you work for?
So the American Association of Trial Lawyers don’t like insurers? Who cares?
The attorneys go out of work if they don’t test the contract. I read the one sided diatribe by the colorado leeches, er, attorneys. They left out so much relevant information that the writing was invalid.
Hey attorneys posting here – don’t you have an ambulance to chase or something?
OKay great, there were a total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. But how many of them were actually VALID complaints? Maybe half, maybe less I would believe.
You aren’t even worth the minimum wage they must be paying you for this drivel.
I told you I do — -not get paid. . ALL I have ask of you is to answer the question.Nobody important Is this ethical?
The documents show close to 28
Comment:
In past court cases, judges have chastised and even fined State Farm for withholding records the company was ordered to produce. Evidence the company destroyed documents has been presented in several cases.
In the Oklahoma case, after State Farm finally turned over to the court a “claims legal research” DVD and other records, Judge Richard G. Van Dyck told company attorneys
“As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients.”
Gary T. Fye, an expert in the analysis of disputed insurance claims who lives in Nevada, often testifies in insurance cases. Fye, who said he has testified on behalf of policyholders and insurance companies, has provided the courts information on State Farm’s history of destroying and withholding records.
The documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
Subject Posted By Posted On
RE: investigate Dick Tracy i LIKE-dorones The documents show close to 28 Mar 11, 2009, 10:26 am
ED RUST JR TOJail with Alberto R. Gonzales criminal investigation Jan 12, 2009, 7:11 pm
RE: Madoff Stays out of Jail nobody important Jan 12, 2009, 3:14 pm
Madoff Stays out of Jail The RIddler Jan 12, 2009, 2:49 pm
RE: investigater Dick Tracy ethical Jan 12, 2009, 10:09 am
investigate Dick Tracy i LIKE i LIKE Jan 12, 2009, 10:07 am
RE: RE: investigate nobody important Jan 12, 2009, 10:01 am
RE: MONEY THE DONOR WITH RANK. nobody important Jan 12, 2009, 9:59 am
RE: investigate $9.24 billion Jan 12, 2009, 9:58 am
MONEY THE DONOR WITH RANK. Billion IN fraud Billion IN f Jan 12, 2009, 9:56 am
Ponzi Schemes Fonzie for Ponzi Jan 12, 2009, 9:51 am
RE: RfraudBillion IN fraud. AND YOU CARE ABOUT grammar. nobody important Jan 12, 2009, 9:49 am
RfraudBillion IN fraud. AND YOU CARE ABOUT grammar. ABOUT grammar Jan 12, 2009, 9:45 am
State Farm Haters of the World Unite nobody important Jan 12, 2009, 9:39 am
RE: investigate-SOME TIMES YOU CAN NOT LOOK WAY. Mike Jan 12, 2009, 9:33 am
investigate-SOME TIMES YOU CAN NOT LOOK WAY. , but I do question the motive Jan 12, 2009, 9:17 am
RE: investigate nobody important Jan 12, 2009, 8:29 am
investigate THING ABOUT Jan 12, 2009, 8:23 am
RE: RE: biggest Ponzi nobody important Jan 12, 2009, 7:17 am
RE: RE: biggest Ponzi time to investigate the allegations of the latter Jan 11, 2009, 7:11 pm
RE: biggest Ponzi “It’s literally a license to steal. overcharged the federal govern Jan 11, 2009, 7:06 pm
biggest Ponzi Scheme is…bailout -bailout bailout -bailout committees in the private sect Jan 11, 2009, 5:27 am
schemes wudchuck Jan 10, 2009, 11:31 am
RE: Too bad we didn’t privatize it Cut the Crap Jan 9, 2009, 1:51 pm
Good Point Dan Brad Jan 9, 2009, 1:37 pm
RE: Too bad we didn’t privatize it Brad Jan 9, 2009, 1:35 pm
RE: Too bad we didn’t privatize it whoucallinrightie Jan 9, 2009, 1:31 pm
RE: RE: RE: RE: The biggest Ponzi Scheme is… not greedy Jan 9, 2009, 1:28 pm
Too bad we didn’t privatize it SS Fan Jan 9, 2009, 1:27 pm
RE: RE: RE: The biggest Ponzi Scheme is… The Riddler Jan 9, 2009, 1:22 pm
RE: The biggest Ponzi Scheme is… Dan Jan 9, 2009, 1:19 pm
RE: RE: RE: The biggest Ponzi Scheme is… Brad Jan 9, 2009, 1:02 pm
RE: RE: The biggest Ponzi Scheme is… The Minotaur Jan 9, 2009, 12:56 pm
RE: RE: The biggest Ponzi Scheme is… Brad Jan 9, 2009, 12:51 pm
RE: The biggest Ponzi Scheme is… Your local congress person Jan 9, 2009, 12:40
Blah, Blah, Blah. Cut and paster is posting the same garbage on different areas. You aren’t even worth the minimum wage they must be paying you for this drivel.
You have no questions. You post nonsense over and over. I am quite certain my ethics and sense of responsibility are far better than yours. If you cared to post anything that actually made sense maybe someone would care, nobody does. I just find your serial posting irritating since it takes up the space that could be devoted to people who want actual insurance discussions. If you have a problem with an insurance company, file a complaint with the various insurance departments. Nobody here cares about your drivel.
A LOT OF PEOPLE CARE 28 YEARS IS A LONG TIME TO BE DOING THIS . I ASK YOU ABOUT STATE FARM. ‘;You have no questions. You post nonsense over and over. I am quite certain my ethics and sense of responsibility are far better than yours.THE question Nobody importantDO YOU THINK 28 YEARS OF THIS IS ETHICAL. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. WANT DO YOU THINK!
Why should anyone respond to your messages at all? You haven’t heard a word anyone has posted in response to any of your many nonsensical posts. Insanity is doing the same thing and expecting a different result, so I will stop being insane and stop responding to your posts. Shout into the wind as long as you want Don Quixote.
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Top 5 Reasons Insurance Consumers File Complaints Against Insurers
National News • March 6, 2009
The top three reasons consumers filed formal complaints against their insurance companies in 2008 were delays, denials of claims and unsatisfactory settlement offers. According to the National …
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Insurance Journal is not responsible for the content of the message below.
Subject: RE: RE: remind all counsel that their ethical
Posted On: March 13, 2009, 1:16 pm CDT
Posted By: caffiend
Comment:
blah blah blah…
get a life. YOU GET A CLUE.
. Insanity is doing the same thing and expecting a different result.The Documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients
1. Insurable Interests: Rights and Responsibilities
This four hour course explores in depth the property and liability insurance contract language with regard to the definition of “insured” and the rights and responsibilities of the named insured and first named insured as stated in the contract. The course then moves on to explore other insurable interests who have rights and responsibilities as outlined in policy language, including the mortgagee clause, additional insured and additional interest endorsements. Additionally, it reviews those whose interests are protected through relationships to the insured or the subject of insurance, including certificate holders.
2. Insurance Games
Offered as a stand-alone short activity, such as at a convention, or incorporated within technical material as a learning or review activity. The games have been designed around well known television game formats such as Jeopardy and Wheel of Fortune so that the “how to” is familiar to the participant. There is even an “Insurance BINGO” available. All the questions used, however, are insurance related and zero in on the recognition and application of technical material and policy concepts. Games have been designed that satisfy each stage of learning – Recognition, Recall and Application. Because of the high participation level, as well as the element of fun, a high degree of learning takes place.
Did you know that you are really boring and full of nonsense. Blah blah blah as was said recently. My ethics and the ethics of my industry are more than likely a lot better than those of the people you work for moron. Go away and go back to the asylum where you will get proper treatment.
guess that it is time to ask the key question that I have been unable to get “nobody important” to answer. The question is “How could this be OK?”. When you see unfair claims practices occurr, and don’t try to tell me that you don’t because I have been around the insurance business too long to believe that you have never seen a claim that you KNEW was payable that was denied on policy technicalities, how do you make yourself believe “This is OK”? I know that you have children or grandchildren and I have to ask how you would explain this to them. How would you feel if one of them were the ones that got left out in the cold when their homes were destroyed, when they had no place to sleep except a toxic Katrina trailer or when they were told that they still had a mortgage on a home that had blown away because the insurance company said their claim was denied because flood waters could have been the cause that their house was missing. When our now 16 year old grandaughter was 3 years old she witnessed her “Poppa” and “Gramma” having a brief argument and interrupting them stared right at the one that she was sure was the cause of this unhappiness and in a stern voice said “Poppa, you be nice!”. I will never forget the simple and pure message that came from this 3 year old. “You be nice!” If we all would, and we can, the world would be the place that we want to pass on to those grandchildren.
I FEEL SORRY FOR YOU nobody important.
I guess that it is time to ask the key question that I have been unable to get “nobody important” to answer. The question is “How could this be OK?”. When you see unfair claims practices occurr, and don’t try to tell me that you don’t because I have been around the insurance business too long to believe that you have never seen a claim that you KNEW was payable that was denied on policy technicalities, how do you make yourself believe “This is OK”? I know that you have children or grandchildren and I have to ask how you would explain this to them. How would you feel if one of them were the ones that got left out in the cold when their homes were destroyed, when they had no place to sleep except a toxic Katrina trailer or when they were told that they still had a mortgage on a home that had blown away because the insurance company said their claim was denied because flood waters could have been the cause that their house was missing. When our now 16 year old grandaughter was 3 years old she witnessed her “Poppa” and “Gramma” having a brief argument and interrupting them stared right at the one that she was sure was the cause of this unhappiness and in a stern voice said “Poppa, you be nice!”. I will never forget the simple and pure message that came from this 3 year old. “You be nice!” If we all would, and we can, the world would be the place that we want to pass on to those grandchildren.
You are an idiot. Is that answer enough. In 32 years in the insurance business I have worked with a number of people, most of whom have far higher ethical standards than you appear to have. If you dislike what is done, fight it. Posting on this site is real brave. If it’s so awful, go public with your brave complaints. I do suggest finding another profession if this industry offends you so much. In the meantime I will continue to help people. I like my industry and the vast majority of the people in it. By the way, how did you like the court ruling for State Farm on the damages in that one hurricane last week? Seems the court thinks companies should have the ability to turn down a claim on occasion and not have it called criminal activity. Stick that in you chicken craw.
ethical -nobody important?
The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more. NOBODY WOULD YOU WANT STATE FARM FOR YOUR FRIEND?
Sorry to everyone out there other than no name. I am done boring everyone with this never ending nonsense. This line is over for me. Got a bit carried away.
PLEASE EVERYONE OUT THERE DO NOT AND I REPEAT DO NOT GET STATE FARM AS AN INSURANCE COMPANY, ON DECEMBER 30 2008 MY 2007 TOYOTA CAMRY WAS STOLEN OUT OF MY DRIVE WAY, I REPORTED THE CLAIM TO STATE FARM, I ALSO COMPLIED WITH THERE INVESTIGATION FULLY, THEY JERK ME AROUND FOR 4 MONTHS AND THEN THE DENIED MY CLAIM, AND WAS STILL TALKING MY MONEY OUT EVERY MONTH – THEY FAILED TO INFORM ME ABOUT ANY INFORMATION, IF I WANTED INFORMATION I HAD TO KEEP CALLING THEM, STATE FARM DOES NOT CARE ABOUT YOU AT ALL, WHEN YOU HAVE A CLAIM THEY LOOK AT YOU LIKE YOUR A CRIMINAL AND THEN THE WILL DINED YOU, I OVER HEARD THE SUPERVISOR AT STATE FARM SAYING THAT QUOTE ( HE’S BLACK HE DON’T HAVE ANY MONEY TO SUE US. UNQUOTE} PLEASE I WILL SAY OVER AND OVER AGAIN DO NOT GET STATE FARM AND IF YOU ALREADY HAVE STATE FARM CANCEL ASAP THEY JUST WANT YOUR MONEY, THEY WILL NOT HELP YOU WHEN YOU HAVE A CLAIM. IF THERES ANYONE OUT THERE THAT CAN HELP ME PLEASE DO SO. THANK YOU
I was at a stop light, when I was hit in the rear at 50 miles per hour, two doctors took me off work for about eight weeks, for therapy, Stae farm will not pay my lost wages , because they say that I was not hurt, So the next time I get sick, or hurt , or my kids, I will go to state farm, instead of my doctor, as they seem to know more then a doctor knows, This has to stop, Keith
I did also want to say, They will pay my doctor bills, so isint that saying that I was Hurt? But they wont pay my lost wages, am I missing something here? I filed a complaint with the insurance commision, everyone that has had trouble with state farm should file a complaint with them.
Complaint: Mutual of Omaha – Anthony Sagnelli
This man debited my account for insurance that I told him that I didn’t want… He was angry and hense, wrongfully took money out of my account that I need to feed myself and my wife…
The sky is blue!
Hey once the goverment takes over health care who do you complain to? Your Senitor or Rep? Since when does goverment care about you or me? Answer: 2nd Tuesday in November. But then only half of us show up anyway….WE GET THE GOVERMENT WE DESERVE……AND IT SHOWS!!!!
here’s a good question…
What was the total number of claims filed / policies written during 2008?
be interesting to see how the numbers stack up vs the number of complaints.
I’d be greatly suprised if the number of complaints was more then 1% of the above totals.
What do people like you do on Saturday and Sunday when you don’t the IJ?
Why don’t you move to Shri Lanka and see if you like it better there.
Here’s another good question – what percentage of complaints were lodged against 800 number companies, and what percentage of complaints were lodged against regular insurers (ones that have agents)?
When clients understand how the contract works, or how claims are settled, or what is behind premium increases or decreases, they tend to complain less.
I’d be interested to see how many complaints were lodged by insureds that didn’t bother to read a policy form but instead chose their carrier based solely on premium savings. I’d like to see how many of them were unhappy with their cheap policies once they discovered that it didn’t actually cover anything. Had they read the laundry list of exclusions, they would have known.
I could not agree with you more. I deal with Dept of Insurance Complaints sent in to us from Tallahassee and also Executive Complaints. Most of the complaints are derived from premium issues. What always seems to get me is when policyholders will sit there and complain about their rates after their policy increases because of an at fault loss (after being insured 6 months). They were not complaining when we were paying their claims out, but they always want to complain afterwards…. go figure….
Carriers in the US should really count their blessings for if the average consumer knew of the existance of an state insurance commissioner and their basic right to appeal the numbers would be much higher.
They would still have to read the policy to get to the part were the DOI is listed for any complaints, etc. Betcha they don’t even bother with that & I doubt the numbers would change much.
By Anita Lee
McClatchy Newspapers
Advertisement
BILOXI, Miss. (MCT) — In some cases, State Farm’s top leadership prefers not to share or even keep records that offer insight into how policyholder claims are handled, according to court records.
Chairman and CEO Edward B. Rust Jr. said in sworn testimony earlier this month that no minutes are kept of quarterly meetings held by the company’s top management, the Chairman’s Council, and that policyholders have no right to information about an investigation State Farm Insurance Cos. has ordered of its relationship with Haag Engineering Co.
State Farm spokesman Phil Supple said the company doesn’t “intend to-;try this-;case in the media.”
“State Farm stands by testimony given by President and Vice Chairman Vince Trosino, who said when asked about these allegations, ‘It’s not part of our system. It’s not part of our core values. It’s not what made us the most successful property and casualty insurer, life insurer, in the country.'”
Juries in two states, Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. Mississippi’s attorney general currently is conducting a grand jury investigation to determine whether State Farm and other insurers denied Hurricane Katrina claims through the use of fraudulent engineering reports.
Haag denies bias, but State Farm suspended business with the company in June and ordered an independent investigation after an Oklahoma jury awarded a total of $13 million to a policyholder over tornado damages. Subsequent trials are set to determine damages for 70 other policyholders, all of whom had claims investigated by Haag.
In past court cases, judges have chastised and even fined State Farm for withholding records the company was ordered to produce. Evidence the company destroyed documents has been presented in several cases.
In the Oklahoma case, after State Farm finally turned over to the court a “claims legal research” DVD and other records, Judge Richard G. Van Dyck told company attorneys
“As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients.”
Gary T. Fye, an expert in the analysis of disputed insurance claims who lives in Nevada, often testifies in insurance cases. Fye, who said he has testified on behalf of policyholders and insurance companies, has provided the courts information on State Farm’s history of destroying and withholding records.
In 1998, Fye wrote in a Florida case
“I have been witnessing document destruction, concealment, and obstruction of discovery by State Farm for many years in connection with my review of internal claim practices documents of the insurer. I have accumulated certain Exhibits which show the company’s goals and objectives for document handling by its employees. The documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
In some cases, company executives did not keep records.
Jeff Marr, the attorney suing State Farm in Oklahoma, took sworn testimony Sept. 6 from Rust. Topics included Rust’s Chairman’s Council, made up of top State Farm executives. The group, which includes the company’s general counsel, meets quarterly.
Marr was fishing for records of those meetings that he could subpoena for his lawsuit.
“Certainly,” Marr asked Rust, “you keep records of the quarterly meetings where the entire Chairman’s Council is present?”
“We have an agenda,” Rust said, “but minutes in that, no.”
“Why not?” Marr asked.
Rust replied, “Never felt a need to.”
Marr later asked, “Are there any written agendas that are available should I choose to request them in the lawsuit?”
“I’m not sure what might be available,” Rust said.
Rust also said policyholders, who essentially own the private mutual company, are not entitled to know what the Chairman’s Council discusses or decides about litigation against State Farm, citing attorney-client privilege.
Marr questioned why the company would withhold information from policyholders, who own State Farm.
“Well, again,” said Rust (who has a law degree), “I’m not an expert in the area, but I think as you find — even if I’m a shareholder in a publicly traded company, there are things that are not — you know, I do not have access to.”
Marr later asked if policyholders have a right to see documents from State Farm’s investigation of Haag.
“No,” Rust said.
“Why not?” Marr asked. “Is it privileged?”
Rust said, “I believe so
Subject Posted By Posted On
ED RUST JR TOJail with Alberto R. Gonzales criminal investigation Jan 12, 2009, 7:11 pm
RE: Madoff Stays out of Jail nobody important Jan 12, 2009, 3:14 pm
Madoff Stays out of Jail The RIddler Jan 12, 2009, 2:49 pm
RE: investigater Dick Tracy ethical Jan 12, 2009, 10:09 am
investigate Dick Tracy i LIKE i LIKE Jan 12, 2009, 10:07 am
RE: RE: investigate nobody important Jan 12, 2009, 10:01 am
RE: MONEY THE DONOR WITH RANK. nobody important Jan 12, 2009, 9:59 am
RE: investigate $9.24 billion Jan 12, 2009, 9:58 am
MONEY THE DONOR WITH RANK. Billion IN fraud Billion IN f Jan 12, 2009, 9:56 am
MONEY THE DONOR WITH RANK.
A total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. 1 OF THOSE 195,669 IS ETHEL ADMAS Farmers Insurance denies claim then caves in only after pressure from Insurance Commissioner and Public.
Danny Westneat a columnist of the Seattle Times wrote a series of articles about Ethel Adams. Ethel was in a multi car auto accident in Seattle. “Farmers Insurance has decided not to pay her a penny because they say someone caused Adams’ crash on purpose.” They said this was not considered an “accident”.
Ethel Adams was cut from her car, doctors debated if Ethel Adams would live or walk. She spent nine days in a coma, she had collapsed lungs, seventeen broken bones, spent one month in a hospital and five months in a nursing home. She is also confined to a wheelchair as you can see in the picture above.
Ethel Adam’s employer had $2,000,000 of insurance coverage with Farmers Insurance Group. Farmers had used what is referred to as “exploiting technical loopholes” to make attempts to avoid paying Ethel Adams. Washington State Insurance Commissioner Mike Kreidler told Farmers Insurance they have until October 20, 2005 to justify their position for not honoring the claim of Ethel Adams. On October 20th Farmers decided the right thing to do was to pay Ethel Adams.
Farmers Insurance only caved in after being threatened with a lawsuit by Insurance Commissioner Mike Kreidler, complaints by the public, as well as national television exposure by both “Good Morning America” and Fox’s “The O’Reilly Factor,” which were planning stories. Read the articles below for more detail.
Some quotes from Insurance Commissioner Mike Kreidler: “They’re just wrong, and it’s obvious they’re wrong. The bottom line is they are going to pay this claim.”….”If the company continues to refuse to pay, the state will initiate an administrative hearing accusing Farmers of violating the insurance code. That’s the first step in suing them.”…”We could always suspend their certificate to do business in this state as well”
-Here is the letter in which Farmers denies the claim (6/22/2005). It states, “Truck concludes that he acted intentionally in ramming Campo’s vehicle, causing it to overturn and pushing it into the southbound lanes of Aurora Avenue, and thereby causing the multiple vehicle collision that resulted in injury to Ms. Adams. Testa’s conduct does not satisfy the application definition of “accident”. Truck is denying coverage for UIM claims based on Testa’s conduct for this reason.” (Pg 4, Para 6)
-Letter from the WA Department of Insurance to Farmers Insurance (10/17/2005). It states, “The information available to us at his point demonstrates that the denial of her claim by your company is not only unconscionable, but is contrary to public policy.”
I see we’ve got our cut & paste spam poster around again.
Dude, get a life. We all know you’re being paid by some lawyer (if you aren’t one yourself) to badmouth insurance companies.
And if by some chance you’re a licensed ‘professional’ in the insurance industry, I must remind you of the ethical conduct guidelines most state insurance departments maintain about badmouthing your competition. If you’ve nothing good to say, then keep your mouth shut and prove your better then the competition by proof of your work.
I’m happy to see that I’m not the only one who thinks Mr. Cut and Paster is a paid poster. This should be stopped by IJ somehow even though this idiot posts under a different name every time.
TO THE UNTOUCHABLES. Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more.
Juries in two states, Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. Mississippi’s attorney general currently is conducting a grand jury investigation to determine whether State Farm and other insurers denied Hurricane Katrina claims through the use of fraudulent engineering reports.
Texas and Oklahoma, have found Haag provided biased reports to State Farm to minimize or deny policyholder claims. We are sending $900 million of taxpayer money to help rebuild Gaza and yet we cannot get our elected officials to take care of their own AMERICAN CITIZENS! Flood insurance is an essential part of a property policy for many people in the United States of America. In addition, mortgage companies require a flood policy to be in effect should the home be in a designated flood zone.
Will members of Congress please pass the darn thing and start worrying about taking care of Americans FIRST!
delays, denials of claims and unsatisfactory settlement delays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlement
Here’s another good question – what percentage of complaints were lodged against 800 number companies, and what percentage of complaints were lodged against regular insurers (ones that have agents)?
When clients understand how the contract works, or how claims are settled, or what is behind premium increases or decreases, they tend to complain less.
Delays 26,844 19.
Denial of Claim 25,851 18.
Unsatisfactory
Settlement/Offer 20,021 14.
Premium and
Rating 6,644 4.
Cancellation 5,618 4.
Read the policy MY POLICY WAS TO HELP IN CASE. BUT I DO GET IT IT,S JUST A NUMMBER GAME
numbers game. 25,851 18 PEOPLE Denial of Claim SORRY GUYS ITS JUST A NUMMBER GAME.
I’m impressed with your ability to cut and paste so much garbage in so short a time. It’s obvious that the people that pay you to do this posting are getting their most out of the minimum wage.
Read the policy MY POLICY WAS TO HELP IN CASE. BUT I DO GET IT IT,S JUST A NUMMBER GAME
numbers game. 25,851 18 PEOPLE Denial of Claim SORRY GUYS ITS JUST A NUMMBER GAME.
I’m impressed with your ability .THANK YOU.
Needless to say to a normal human, that was sarcasm on my part. My 5 year old granddaughter can cut and paste. You have no knowledge of the industry you are constantly berating. You are a moron. I just wanted to be clear for your benefit. I get paid to work for a living, you get paid to spout the nonsense you do because you can’t get a real job. Minimum wage is way too much. Is this post clear enough Mr. Cut and Paste? You and your posts are a joke. I hope your employers actually are smart enough to understand the joke.
delays, denials of claims and unsatisfactory settlement delays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlementdelays, denials of claims and unsatisfactory settlement
The biggest Ponzi Scheme .MY GRANDBABYS SOULD NOT HAVE TO PAY FOR THIS.HOW ABOUT YOURS? We all need to wake up and stop the greed. NO MORE GAMES.
I had a long reply to you cut and paste, but you just aren’t worth my time. Go play with the other children, we adults have work to do.
A MOST SEE MOVIE -FLOW THIS MOVIE WILL MAKE YOU CRY AND ASK FOR GOD TO HELP US ALL. THE NAME OF THE MOVIE IS FLOW. HOW DID A HANDFUL OF CORPORATIONS STEAL THE WATER. I DO NOT MAKE ONE DIME FOR DOING THIS I HAVE GRAND BABY,S AND JUST ONE LIFE AND I WANT TO LEAVE IT BETTER THAN I FIND IT.
I do believe I touched a nerve… LOL!
Mr/Ms Cut&Paste (whatever you are)
Do us a favor and stop spamming our forum with nonsensical posts.
FYI The posted numbers given are pretty damn insignificant when compared to the number of claims filed each year. Reading back to a prior IJ article ( found here http://www.insurancejournal.com/news/southcentral/2008/12/02/95960.htm ) , Hurricane Ike ALONE generated near 530,000 claims as of the end of September. God know’s how many claims were filed with the California wildfires this past year, and also all the other massive natural disasters that also occured.
This to does not count the countless thousands of other auto, health, homeowner, liability, and other claims that are filed every year on a more personal level.
I personally think that only having approximately 190k complaints to be pretty good. Especially considering less than half of those (72,716) were claims related.
btw.. with all your railing against homeowner’s companies…
Only 23,212 registered Homeowners complaints. Not broken down catagorically into claims/pricing/cancellations.
State Farm Florida, prior to pulling out of the state of FL had 1.6 MILLION policies. To put that into perspective that number of complaints comes to 1.45% of the total number of policies written in ONE state by ONE carrier.
On a conservitive basis lets increase the number of policies by an additional 49 states 49×1.6M + 1,600,000 = 80,000,000 policies not necesserilly all written by one carrier, nor each state having that many.
By this point the number of complaints is only .029% of the total potential number of policies…
No response caffiend. The cut and paster must either be overwhelmed with actual facts or has left their cubicle for the day.
Here are some numbers. State Farm finished number two in customer satisfaction to Amica. Lets see – the biggest personal lines P&C insurer in America comes in second to a small, customer oriented company like Amica. Not bad. We do claims followup at 3 days, 10 days and at 30 days we send a questionnaire to claiments and guess what?
We get a positive response from not only SF clients but claiments from other companies too.
Geico brags in their ads about a 97% claim satisfaction rating. They don’t tell the public that’s about the worst satisfaction rating in our industry. Do me a favor – cut and paste and belly ache about Geico for a while, will you?
HOw can someone reading an insurance publication know so little about insurance?
overwhelmed with actual facts State Farm finished number two in customer bull ****.the public that’s about the worst satisfaction rating in our industry.
http://www.coloradolaw.net/pdfs/TenWorstInsuranceCompanies.pdf
Gee Bill, there’s a real factual post. The numbers posted by people that don’t agree with you are bull, right? Your so called facts are the light of day? As someone else asked, how can someone posting on an insurance web site be so uninformed about insurance?
You all most be dorones do you not see the miss we are in because of greed.numbers game.
Complaints-unsatisfactory unsatisfactory unsatisfact denials of claims
Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more.
Edward B. Rust, Jr., will be happy to tell you that he is the Chief Executive Officer of State Farm Mutual Insurance Company. He has deep family ties to State Farm, as his father and grand father have both served in that capacity. He will also tell you that he is an educated man who has been to law school and is a past practicing attorney. In addition, he was the chairman of the Coalition for Excellence in Education and a member of George W. Bush’s transition advisory team on education. So with all of that education why will he not deal with his company’s inbred greed. Does he not know that we are in the 21st century where anyone can look on the internet and see the billions of dollars that are being spent to protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in punitive damages for making use of “a completely bogus” outside bill review company that helped lower the cost of medical bills. In October of 1999, an Illinois jury rendered a $456 million judgment against State Farm and an additional $730 million in punitive damages for the insurer’s breach of contract with auto policy holders by relying on generic replacement parts. Rust was adamant in his insistence that fraud had not been committed. A class action law suit in the name of State Farm policy holders was filed in 2003 for breach of contract and statutory consumer fraud in which $1.1 billion was awarded to plaintiffs. When a company is misleading the public, should that not be considered fraud? A consumer would go to prison for that type of behavior. State Farm will let you know that, in several states, fraud and abuse is pushing up the cost of auto insurance. A court in late 2001 reached an unfriendly consumer decision that could have the effect of reaching deep into the pockets of the consumer. Sharply higher jury awards in vehicular liability cases are putting additional upward pressure on auto insurance rates. The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. protect their empire from the consumer? In Utah, the company was fine $25 million in punitive damages, in part for the “systematic destruction of documents and systematic manipulation of individual claim files to conceal claim mishandling”. An Idaho appeals court fined the company $9.5 million in
State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. protect their empire from the consumer.
denies claim
Comment:
A total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. 1 OF THOSE 195,669 IS ETHEL ADMAS Farmers Insurance denies claim then caves in only after pressure from Insurance Commissioner and Public.
Danny Westneat a columnist of the Seattle Times wrote a series of articles about Ethel Adams. Ethel was in a multi car auto accident in Seattle. “Farmers Insurance has decided not to pay her a penny because they say someone caused Adams’ crash on purpose.” They said this was not considered an “accident”.
Ethel Adams was cut from her car, doctors debated if Ethel Adams would live or walk. She spent nine days in a coma, she had collapsed lungs, seventeen broken bones, spent one month in a hospital and five months in a nursing home. She is also confined to a wheelchair as you can see in the picture above.
Ethel Adam’s employer had $2,000,000 of insurance coverage with Farmers Insurance Group. Farmers had used what is referred to as “exploiting technical loopholes” to make attempts to avoid paying Ethel Adams. Washington State Insurance Commissioner Mike Kreidler told Farmers Insurance they have until October 20, 2005 to justify their position for not honoring the claim of Ethel Adams. On October 20th Farmers decided the right thing to do was to pay Ethel Adams.
Farmers Insurance only caved in after being threatened with a lawsuit by Insurance Commissioner Mike Kreidler, complaints by the public, as well as national television exposure by both “Good Morning America” and Fox’s “The O’Reilly Factor,” which were planning stories. Read the articles below for more detail.
Some quotes from Insurance Commissioner Mike Kreidler: “They’re just wrong, and it’s obvious they’re wrong. The bottom line is they are going to pay this claim.”….”If the company continues to refuse to pay, the state will initiate an administrative hearing accusing Farmers of violating the insurance code. That’s the first step in suing them.”…”We could always suspend their certificate to do business in this state as well”
-Here is the letter in which Farmers denies the claim (6/22/2005). It states, “Truck concludes that he acted intentionally in ramming Campo’s vehicle, causing it to overturn and pushing it into the southbound lanes of Aurora Avenue, and thereby causing the multiple vehicle collision that resulted in injury to Ms. Adams. Testa’s conduct does not satisfy the application definition of “accident”. Truck is denying coverage for UIM claims based on Testa’s conduct for this reason.” (Pg 4, Para 6)
-Letter from the WA Department of Insurance to Farmers Insurance (10/17/2005). It states, “The information available to us at his point demonstrates that the denial of her claim by your company is not only unconscionable, but is contrary to public policy.”
By all means, one instance that you state as absolute truth is proof of wrongdoing for all the company. They are all criminals. If every industry had a complaint ratio as low as the one caffiend quoted for insurance companies in an earlier post we would all have a better marketplace. People like you like to twist a few bad incidents into an industry or company wide systematic criminal issue. What an idiot. What law firm or “consumer advocate” do you work for?
So the American Association of Trial Lawyers don’t like insurers? Who cares?
The attorneys go out of work if they don’t test the contract. I read the one sided diatribe by the colorado leeches, er, attorneys. They left out so much relevant information that the writing was invalid.
Hey attorneys posting here – don’t you have an ambulance to chase or something?
OKay great, there were a total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. But how many of them were actually VALID complaints? Maybe half, maybe less I would believe.
You have no concept of truth cut and paster. YOU are an idiot who has no concept of fact or truth. Cut and paste away.
You aren’t even worth the minimum wage they must be paying you for this drivel.
I told you I do — -not get paid. . ALL I have ask of you is to answer the question.Nobody important Is this ethical?
The documents show close to 28
Comment:
In past court cases, judges have chastised and even fined State Farm for withholding records the company was ordered to produce. Evidence the company destroyed documents has been presented in several cases.
In the Oklahoma case, after State Farm finally turned over to the court a “claims legal research” DVD and other records, Judge Richard G. Van Dyck told company attorneys
“As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients.”
Gary T. Fye, an expert in the analysis of disputed insurance claims who lives in Nevada, often testifies in insurance cases. Fye, who said he has testified on behalf of policyholders and insurance companies, has provided the courts information on State Farm’s history of destroying and withholding records.
The documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
Subject Posted By Posted On
RE: investigate Dick Tracy i LIKE-dorones The documents show close to 28 Mar 11, 2009, 10:26 am
ED RUST JR TOJail with Alberto R. Gonzales criminal investigation Jan 12, 2009, 7:11 pm
RE: Madoff Stays out of Jail nobody important Jan 12, 2009, 3:14 pm
Madoff Stays out of Jail The RIddler Jan 12, 2009, 2:49 pm
RE: investigater Dick Tracy ethical Jan 12, 2009, 10:09 am
investigate Dick Tracy i LIKE i LIKE Jan 12, 2009, 10:07 am
RE: RE: investigate nobody important Jan 12, 2009, 10:01 am
RE: MONEY THE DONOR WITH RANK. nobody important Jan 12, 2009, 9:59 am
RE: investigate $9.24 billion Jan 12, 2009, 9:58 am
MONEY THE DONOR WITH RANK. Billion IN fraud Billion IN f Jan 12, 2009, 9:56 am
Ponzi Schemes Fonzie for Ponzi Jan 12, 2009, 9:51 am
RE: RfraudBillion IN fraud. AND YOU CARE ABOUT grammar. nobody important Jan 12, 2009, 9:49 am
RfraudBillion IN fraud. AND YOU CARE ABOUT grammar. ABOUT grammar Jan 12, 2009, 9:45 am
State Farm Haters of the World Unite nobody important Jan 12, 2009, 9:39 am
RE: investigate-SOME TIMES YOU CAN NOT LOOK WAY. Mike Jan 12, 2009, 9:33 am
investigate-SOME TIMES YOU CAN NOT LOOK WAY. , but I do question the motive Jan 12, 2009, 9:17 am
RE: investigate nobody important Jan 12, 2009, 8:29 am
investigate THING ABOUT Jan 12, 2009, 8:23 am
RE: RE: biggest Ponzi nobody important Jan 12, 2009, 7:17 am
RE: RE: biggest Ponzi time to investigate the allegations of the latter Jan 11, 2009, 7:11 pm
RE: biggest Ponzi “It’s literally a license to steal. overcharged the federal govern Jan 11, 2009, 7:06 pm
biggest Ponzi Scheme is…bailout -bailout bailout -bailout committees in the private sect Jan 11, 2009, 5:27 am
schemes wudchuck Jan 10, 2009, 11:31 am
RE: Too bad we didn’t privatize it Cut the Crap Jan 9, 2009, 1:51 pm
Good Point Dan Brad Jan 9, 2009, 1:37 pm
RE: Too bad we didn’t privatize it Brad Jan 9, 2009, 1:35 pm
RE: Too bad we didn’t privatize it whoucallinrightie Jan 9, 2009, 1:31 pm
RE: RE: RE: RE: The biggest Ponzi Scheme is… not greedy Jan 9, 2009, 1:28 pm
Too bad we didn’t privatize it SS Fan Jan 9, 2009, 1:27 pm
RE: RE: RE: The biggest Ponzi Scheme is… The Riddler Jan 9, 2009, 1:22 pm
RE: The biggest Ponzi Scheme is… Dan Jan 9, 2009, 1:19 pm
RE: RE: RE: The biggest Ponzi Scheme is… Brad Jan 9, 2009, 1:02 pm
RE: RE: The biggest Ponzi Scheme is… The Minotaur Jan 9, 2009, 12:56 pm
RE: RE: The biggest Ponzi Scheme is… Brad Jan 9, 2009, 12:51 pm
RE: The biggest Ponzi Scheme is… Your local congress person Jan 9, 2009, 12:40
Conditions
Blah, Blah, Blah. Cut and paster is posting the same garbage on different areas. You aren’t even worth the minimum wage they must be paying you for this drivel.
You have no questions. You post nonsense over and over. I am quite certain my ethics and sense of responsibility are far better than yours. If you cared to post anything that actually made sense maybe someone would care, nobody does. I just find your serial posting irritating since it takes up the space that could be devoted to people who want actual insurance discussions. If you have a problem with an insurance company, file a complaint with the various insurance departments. Nobody here cares about your drivel.
A LOT OF PEOPLE CARE 28 YEARS IS A LONG TIME TO BE DOING THIS . I ASK YOU ABOUT STATE FARM. ‘;You have no questions. You post nonsense over and over. I am quite certain my ethics and sense of responsibility are far better than yours.THE question Nobody importantDO YOU THINK 28 YEARS OF THIS IS ETHICAL. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. WANT DO YOU THINK!
requiring the two to stay silent about the rights of the policyholders”
Why should anyone respond to your messages at all? You haven’t heard a word anyone has posted in response to any of your many nonsensical posts. Insanity is doing the same thing and expecting a different result, so I will stop being insane and stop responding to your posts. Shout into the wind as long as you want Don Quixote.
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Top 5 Reasons Insurance Consumers File Complaints Against Insurers
National News • March 6, 2009
The top three reasons consumers filed formal complaints against their insurance companies in 2008 were delays, denials of claims and unsatisfactory settlement offers. According to the National …
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Subject: RE: RE: remind all counsel that their ethical
Posted On: March 13, 2009, 1:16 pm CDT
Posted By: caffiend
Comment:
blah blah blah…
get a life. YOU GET A CLUE.
. Insanity is doing the same thing and expecting a different result.The Documents show close to 28 years of intentional destruction, concealment and distortion of claim practices records.”
As I was watching these tapes I just want to say this for the record, the hair on the back of my neck did — did stand up because I was seeing things there that early on in this case I was told by (State Farm) defense counsel didn’t exist and couldn’t be produced. So I’m not real happy with that and I want to remind all counsel that their ethical responsibilities as attorneys outweigh the wishes of their clients
blah blah blah…
get a life.
This one is a drama queen aren’t they. Needs to submit this to the Hallmark Network.
GENERAL INSURANCE MODULES
1. Insurable Interests: Rights and Responsibilities
This four hour course explores in depth the property and liability insurance contract language with regard to the definition of “insured” and the rights and responsibilities of the named insured and first named insured as stated in the contract. The course then moves on to explore other insurable interests who have rights and responsibilities as outlined in policy language, including the mortgagee clause, additional insured and additional interest endorsements. Additionally, it reviews those whose interests are protected through relationships to the insured or the subject of insurance, including certificate holders.
2. Insurance Games
Offered as a stand-alone short activity, such as at a convention, or incorporated within technical material as a learning or review activity. The games have been designed around well known television game formats such as Jeopardy and Wheel of Fortune so that the “how to” is familiar to the participant. There is even an “Insurance BINGO” available. All the questions used, however, are insurance related and zero in on the recognition and application of technical material and policy concepts. Games have been designed that satisfy each stage of learning – Recognition, Recall and Application. Because of the high participation level, as well as the element of fun, a high degree of learning takes place.
Did you know that you are really boring and full of nonsense. Blah blah blah as was said recently. My ethics and the ethics of my industry are more than likely a lot better than those of the people you work for moron. Go away and go back to the asylum where you will get proper treatment.
guess that it is time to ask the key question that I have been unable to get “nobody important” to answer. The question is “How could this be OK?”. When you see unfair claims practices occurr, and don’t try to tell me that you don’t because I have been around the insurance business too long to believe that you have never seen a claim that you KNEW was payable that was denied on policy technicalities, how do you make yourself believe “This is OK”? I know that you have children or grandchildren and I have to ask how you would explain this to them. How would you feel if one of them were the ones that got left out in the cold when their homes were destroyed, when they had no place to sleep except a toxic Katrina trailer or when they were told that they still had a mortgage on a home that had blown away because the insurance company said their claim was denied because flood waters could have been the cause that their house was missing. When our now 16 year old grandaughter was 3 years old she witnessed her “Poppa” and “Gramma” having a brief argument and interrupting them stared right at the one that she was sure was the cause of this unhappiness and in a stern voice said “Poppa, you be nice!”. I will never forget the simple and pure message that came from this 3 year old. “You be nice!” If we all would, and we can, the world would be the place that we want to pass on to those grandchildren.
I FEEL SORRY FOR YOU nobody important.
I guess that it is time to ask the key question that I have been unable to get “nobody important” to answer. The question is “How could this be OK?”. When you see unfair claims practices occurr, and don’t try to tell me that you don’t because I have been around the insurance business too long to believe that you have never seen a claim that you KNEW was payable that was denied on policy technicalities, how do you make yourself believe “This is OK”? I know that you have children or grandchildren and I have to ask how you would explain this to them. How would you feel if one of them were the ones that got left out in the cold when their homes were destroyed, when they had no place to sleep except a toxic Katrina trailer or when they were told that they still had a mortgage on a home that had blown away because the insurance company said their claim was denied because flood waters could have been the cause that their house was missing. When our now 16 year old grandaughter was 3 years old she witnessed her “Poppa” and “Gramma” having a brief argument and interrupting them stared right at the one that she was sure was the cause of this unhappiness and in a stern voice said “Poppa, you be nice!”. I will never forget the simple and pure message that came from this 3 year old. “You be nice!” If we all would, and we can, the world would be the place that we want to pass on to those grandchildren.
YOU STILL HAVE NOT ANSWER THE QUESTION.
You are an idiot. Is that answer enough. In 32 years in the insurance business I have worked with a number of people, most of whom have far higher ethical standards than you appear to have. If you dislike what is done, fight it. Posting on this site is real brave. If it’s so awful, go public with your brave complaints. I do suggest finding another profession if this industry offends you so much. In the meantime I will continue to help people. I like my industry and the vast majority of the people in it. By the way, how did you like the court ruling for State Farm on the damages in that one hurricane last week? Seems the court thinks companies should have the ability to turn down a claim on occasion and not have it called criminal activity. Stick that in you chicken craw.
ethical -nobody important?
The average jury award in auto liability cases rose from $187,000 to $269,000 in 2000, an increase of 44%. I question if any of the lawsuits would be necessary if the company would just fairly pay their claims. The company represents on their web-site that consumer protection is one of their most important goals, but do they really think that courts would be awarding multiple millions of dollars in bad faith claims if that were their emphasis? State Farm’s ratings are based on their financial strength. State Farm states that their high ratings are also based on strong claims paying ability. With this ability, why is it necessary for their policy holders to allege that the claims department was directed, in evaluating their cases, to take them to trial instead of settling within the limits of the policy? This practice exposed policyholders to judgments above the limits of their policies, when the company was attempting to make an effort to win smaller decisions. Two former in-house attorneys for State Farm contend that they were often called upon by the insurer to represent its’ policy holders and were forced to commit “unlawful and unethical activities, including requiring the two to stay silent about the rights of the policyholders”. State Farm seems to have reckless indifference for the truth for the purpose of corporate and personal economic gain. State Farm should know that continued scrutiny of their claims paying practices will continue especially with the advent of new claims that are surfacing from lawsuits revolving around Hurricane Katrina. A message to Mr. Rust, and any employee of the company that is acting in bad faith for its policy holders. Its time to stop no more. NOBODY WOULD YOU WANT STATE FARM FOR YOUR FRIEND?
Sorry to everyone out there other than no name. I am done boring everyone with this never ending nonsense. This line is over for me. Got a bit carried away.
still no answer.
PLEASE EVERYONE OUT THERE DO NOT AND I REPEAT DO NOT GET STATE FARM AS AN INSURANCE COMPANY, ON DECEMBER 30 2008 MY 2007 TOYOTA CAMRY WAS STOLEN OUT OF MY DRIVE WAY, I REPORTED THE CLAIM TO STATE FARM, I ALSO COMPLIED WITH THERE INVESTIGATION FULLY, THEY JERK ME AROUND FOR 4 MONTHS AND THEN THE DENIED MY CLAIM, AND WAS STILL TALKING MY MONEY OUT EVERY MONTH – THEY FAILED TO INFORM ME ABOUT ANY INFORMATION, IF I WANTED INFORMATION I HAD TO KEEP CALLING THEM, STATE FARM DOES NOT CARE ABOUT YOU AT ALL, WHEN YOU HAVE A CLAIM THEY LOOK AT YOU LIKE YOUR A CRIMINAL AND THEN THE WILL DINED YOU, I OVER HEARD THE SUPERVISOR AT STATE FARM SAYING THAT QUOTE ( HE’S BLACK HE DON’T HAVE ANY MONEY TO SUE US. UNQUOTE} PLEASE I WILL SAY OVER AND OVER AGAIN DO NOT GET STATE FARM AND IF YOU ALREADY HAVE STATE FARM CANCEL ASAP THEY JUST WANT YOUR MONEY, THEY WILL NOT HELP YOU WHEN YOU HAVE A CLAIM. IF THERES ANYONE OUT THERE THAT CAN HELP ME PLEASE DO SO. THANK YOU
Agree…I’m assessed a $3500 homeowners’ deductible.
I was at a stop light, when I was hit in the rear at 50 miles per hour, two doctors took me off work for about eight weeks, for therapy, Stae farm will not pay my lost wages , because they say that I was not hurt, So the next time I get sick, or hurt , or my kids, I will go to state farm, instead of my doctor, as they seem to know more then a doctor knows, This has to stop, Keith
I did also want to say, They will pay my doctor bills, so isint that saying that I was Hurt? But they wont pay my lost wages, am I missing something here? I filed a complaint with the insurance commision, everyone that has had trouble with state farm should file a complaint with them.
Complaint: Mutual of Omaha – Anthony Sagnelli
This man debited my account for insurance that I told him that I didn’t want… He was angry and hense, wrongfully took money out of my account that I need to feed myself and my wife…