Calif. Commissioner Approves -4.2% Rate Reduction for ‘Loyal’ State Farm Auto Customers

April 5, 2005

  • April 6, 2005 at 7:10 am
    Daniel G. Herns, ESQ says:
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    Doing business with State Farm Insurance Company has surely opened my eyes to a whole new way to save time & money.

    Why just the other day, a client of mine doing business at Los Gatos Community Hospital was offered snorkel gear. Not every M.D. in the valley offers snorkel gear out of their ER Department, Above the EXIT SIGN: “Snorkel Gear” will not be Undersold, NOT in one of my TENET AFFILIATE HOSPITAL.

    Now, you might say to yourself: how does scuba wear fit into auto insurance affordability.

    Not even State Farm insurance claims adjusters dare to disagree with that advantage guarantee to the disservice of injured auto passenger’s them State Farm “Loyal” customers and agents alike. Additional savings does help by altering the motor vehicle collision Rate of speed: reduction recordings, reduction of impact “a where?” “on the car?” statis EXAMPLE: side impact vs rear end.

    Quantification in general is covered in this case: by conversion and cohesion by the Mercury Insurance GROUP. Got to hand it to those marine vertebrate scientist ER departments, no need to have accurate data available for proper medical services in conjuction with prior injuries.

    In my professional oppinion their group mathematical statistics is Synonymous with Workers’ compensation industrial medical council group.

    The savings were incredible, sufficient enough for a new Silver Creek Country Club set of golf clubs, courtesy Santa Clara Valley Medical Center.

  • April 6, 2005 at 9:44 am
    Mark says:
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    Anyway, State Farm has renewal discounts in most states.

  • April 6, 2005 at 12:46 pm
    CaAgent says:
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    Harvey Rosenfield should get right on
    this one. It appears that they are
    “discriminating” against the folks who have not had prior insurance.

  • April 6, 2005 at 1:17 am
    Alan says:
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    Didn’t a few years back the insurance commissioner fight with Mercury Insurance on the issue of a persistency discount that rewarded drivers who maintained coverage?

    With the garbage they have to deal with in personal lines I am glad I am now 100% commercial lines. The consumer groups get upset when the insurance carriers try to use prior coverage, credit scoring, and zip codes as rating factors. Once the consumer groups realize that over regulation results in increased rates, and decides the free market to compete, we (California consumers) would all be better off.

    Alan.

  • April 6, 2005 at 3:04 am
    StateFarmIsMinorLeagues says:
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    Long term customers are the worst customers to give a discount to, they never leave anyway! If the free market just plays things out, we all win with better rates. Garamendi speaks from both sides of his mouth, he wants to be governor, so he is pretending to take credit. The democrats are pathetic and full of it!

  • April 7, 2005 at 9:19 am
    Mark says:
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    You’re saying new customers are being discriminated against? Give me a break, these are actuarily proven discounts, State Farm does it everywhere, so does other companies. If you haven’t noticed, insurance companies discriminate against everyone who has a ticket, wreck, lives in a high risk area, etc. It’s just the nature of insurance. California just wants charity insurance, that’s what they want. A one rate for everyone plan.

  • April 7, 2005 at 5:49 am
    CA Underwriter says:
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    It is clear that the commissioner is working for his own benefit for his new election, rather than the public. He will claim that he reduced the insurance premium rates for Californians since State Farm is the largest auto insurer in California. Californians want rates that are non-excessive, inadequate, or unfairly discriminatory and this approval discriminates against new policyholders. As a result, new customers won’t be able to afford insurance, but the commissioner will take credit for reducing insurance rates and saving millions of dollars. I wonder why the commissioner fought with Mercury Insurance on the issue of a persistency discount.

    There are pros and cons when approving changes. In this case, the approval will push people that already lack coverage to continue driving without insurance. California is known to be a regulated state, and prices should be appropriate, but after this I believe that we are not competitive nor we are regulated adequately. The insurance industry has been the source of considerable controversy. The insurance industry is all political such as immigration and health care reforms.

    Good luck everyone.

  • April 8, 2005 at 10:14 am
    CA Underwriter says:
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    Those drivers without prior coverage would end up paying significantly more in premiums to offset the discount offered to those meeting this expanded form of persistency. Commissioner Low determined that persistency conflicts with consumer interests. FTCR contends that the discount provided to one class of drivers must be offset by a surcharge on other drivers. I agree. There are approximately four times as many insured drivers in California as uninsured. The persistency discount would be spread thinly among most already insured drivers. Persistency discount creates another barrier to low-income drivers in becoming insured. The increased number of uninsured motorists in California will push uninsured motorist premiums to rise for insured drivers. The final outcome is that insured drivers are still paying high premiums. Coverage should be affordable for everyone.

  • April 8, 2005 at 10:23 am
    PEPE says:
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    CA UNDERWRITER & MARK, I Totally agree with both of you, and support your point of views.

  • April 9, 2005 at 2:13 am
    Dennis Alan Lempert says:
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    Here’s a good question, what’s the penalty if the SCUBA diving gear damages the patient, insisted upon by Los Gatos Community Hospital ER Department?

    Departure from usual …State Farm Insurance Company in San Jose, CA and Corporate “Illinois” are aware of the potential supporting evidence?

    Translation: Pre-Paid Legal Services wells

    You see the problem is: These are well organized, arrangements of private patient client files, therefore structured settlements are inconclusive to cervical corral reef damange, obstructed by opinionous dismissal of photography evidence.

    From an oceanonic view point (AP) follow-up, the previously underwater photo op non-provided by Los Gatos Community Hospital seems a bit conservative.

    Conclusion: Ultra Realistic Cheats

    Does such unexperienced legal advice, avoidance of Corporate Culpability
    injuries, ALSO gauge defending an otherwise, Santa Clara County (SCCMA) , unreputiable doctor, you BETCHA!!!

    As a matter of fact, my open water criminal defense firm certification allows me restraining order’s against a Milik Hasan, M.D. patient.

  • April 11, 2005 at 1:42 am
    Michael A Orber & Assoc Inc. says:
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    Are you looking for insurance services in Walnut Creek, CA?

    Why there will be NO penalty, the Clever Rear Claims Association will continue the assult on denying your defendable claim.

    And, Without further a do !

    Anymore potential supporting evidence will be subjective to futher expansion of falsified briefCASES? data, it istinguishes our position as a liable healthcare insurer.

    Do we make our point? Inconclusive evidence also shows our established ongoing displeasure of your persistence into our mismanagement!!!

    We hope you understand and that by any way our participation in the future, will be directed to Santa Clara Valley Medical Center for further erosion (NO) back-up lacking on our behalf.,

    Why one could even say: VMC is well known for their internationally recognized scuba diving referrals by the best educator scuba diving ER departments abroad, can hope for.

    This indirect subsidiary of HCA Inc., in order to maximize future financial structure, less the patients, it’s imparitive to (convert) thus optimize our time continuing obstructional mission.

    Mark your Calendars!!! Snorkels Will Not Be Undersold …neither!!

    Health Care Indemnity, Inc.
    One Park Plaza
    Building II 4th Floor East
    Nashville, TN 37203
    Telephone: (615) 344-5871
    Fax: 615-344-5888
    E-mail: HCI@hcahealthcare.com

  • April 12, 2005 at 9:57 am
    auto mishap passenger says:
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    State Farm Insurance Questioner:.

    Do you have Medi-Cal? It’s a simple question?

    Coverage Under a Auto Policy? A week ago tonight I mean?

    Can you describe your injuries? You are not allowed to counterweight our injuries is question?

    Can you live in CA and think positive that you will be charged an improper accident surcharge or misrepresentation? Coverage & misrepresentation, you
    understand will be modified at our established risk..

    If we can help you pronunciate fair playing field in the English Language speak up? E-gyp(ed)-tian mythology.

    That being so, you attitudes on snorkel therapy/Fitness Products? Designed for use with both upper-extremity out of use. Go ER Doc’s at Los Gatos Community Hospital, got your rear-end coverage sailing through.

    One last Question:

    Do you feel you qualify for damages or remedies that might be awarded in this case against State Farm Insurance? If so, we have create an attorney-client relationship that fits our needs. (Daniel G. Herns ESQ.) (Cal-Comp)? Snakes and other animals.

    Hope this answere’s your State Farm Insurance Legal Help?

    That and more.

  • April 12, 2005 at 2:01 am
    Rick Hunter, President of BACS says:
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    Corporate Headquarters 50 Airport Parkway
    San Jose, California 95110
    Phone: (408) 392-4400
    Fax: (408) 392-4420

    National Sales Office 50 Airport Parkway, Suite 100
    San Jose, CA 95110
    Phone: (866) 222-2097

    Have you heard this story:

    If someone owed you money, wouldn’t you want to be paid?
    If someone wrote you a letter, wouldn’t you want a reply?
    If I only had a Brain?

    What we offer:

    Recycled, interest included, multiple account numbers to increase our profits: Essentially revolving our accounts so they are never closed.
    Applied payments are routinely Indifferent.
    Creditor position engineering characteristics deliberate.

    Client List:

    Santa Clara County Valley Health and Hospital System.

    Santa Clara Department of Revenue.

    Qualifications Met: illusive billing system sin teared in there attempt to get the correct debitor indentified.

    Why there will be NO penalty, the Clever Rear Claims Association will continue the assult on denying your defendable claim, Say State Farm?

  • April 13, 2005 at 2:30 am
    Daniel says:
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    As an existing policy holder dis-trustee, I’d like to extend my identity: with neighbors like you who needs enemys?

    Please use our accelerated impairment form:

    Was our office staff courteous and helpful? Instantly!! We still have injured neighbors’ lividly mad and pissed.

    Did our estimator explain your vehicle repairs in a manner understandable to you? Unfortunately, the vehicle identification number (VIN) will then be tagged with a salvage title, more or less?

    Was your overall experience with Collision coverage positive or negative? Well, if I had to endex “Token Frame Fields”, Positive, policy holder’s will be reimburse you for concerned injury costs, another pricing database will apply to, Santa Clara Valley Medical types, this is always the case right?

    Was there mention or communication with you and the Santa Clara County District Attorney’s Family Support Division during the, fiscal year 1996, process to your expectations? That is of matter’s of our Award Service accounting department.

    Who’s Ranked On Ethical Behavior & accounting irregularies

  • April 13, 2005 at 6:06 am
    Passenger /Her says:
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    What has been your overall expierence with State Farm Insurance Company? Toucan can play this game.

    In all seriousness, what qualifications are necessary to play? Comprehensive Education, a pro check and terms of Service disagreement.

    In terms of Service Contract statements, “I wouldn’t have my insurance with any other company!” Easy answere: Cept for State Farm’s maintained, invalidated service, sort of like ‘puke diary’, rockin’ snorkel aids.

    Is there any reason that “not” providing families with innovative insurance pro’s-ducks accuracy? Yes, in the case of an Auto-Mishap, Blue ribbon pro-state Dicks car maggets…if that’s your idea of State Farming broadhosting:

    Have you reviewed our program limitations? No, but on a personal level I figured it this way: If it means worrying about finding the right healthcare and then facing the challenge of how to pay for it, I’d have a better chance in HELL based on your conventional limitations.

    Moving on……

    OK, now that we have your emergency number where you can be reached, we would you like to quote for your chance to win! some Disability Insurance? Sorry, didn’t quit hear that? disability insurance or stuck in the condition by which your ***’es put me in? Perhaps, we could reasan & I personally could contact your directory assitance team or is that in the limitation agreement Dan G. Herns signed my signature too?

    How many vehicles do you wish to insure? By all means, Only if I get to Save on your up to date medi-cal program for supplements and meds.

    Answer must be entered. Notification to all Federal and State resources: Sufficient coverage to meet our needs…..

  • April 15, 2005 at 9:48 am
    State Farm, Official election says:
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    “It is time to make our Patients more responsive to the Doctor’s who treat.”

  • April 15, 2005 at 10:26 am
    State Farm, Official election says:
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    Continued: “American Medical Association reform is long overdue.”

    Dear Friends,

    We need medical reform in California and we need it now! No longer will we recruit from speciality
    databases, easily searched by state…

    The practice of Comping phoney doctor’s
    by this performance information, certifications of non-achievement can’t wait any longer to restore fairness and accountability to the patients of this Nation.

    We, the patients, are suppose to choose our political physicians. Unfortunately, in California today, the Medical Associations have turned things upside down and sideways.

    State Farm patient official reform will:

    Give us fair physicians where patients have real choices.

    Give us more competitive diagnostic districts and help make Medical Doctor’s more responsive to their patients prognosis.

    Help California ease physician gridlock-up
    by the American Medical Association.

    Today, because the ultimate power still rests with the people of State Farm who cater to the special interests.

    “We want medical speciality declaration process up held and not at the expense of fair Doctor’s and Patients alike.”

    [] I have enclosed a donation in the amount of: Can you count on State Farm?

  • April 18, 2005 at 2:17 am
    Who? says:
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    Has anybody seen or heard from GELLERT, JAY M. HEALTH NET INC
    Chief Executive Officer?

    CALIFORNIA COMPENSATION INSURANCE COMPANY 1933

    If there is an injury, there is a medical record.

    Historical history: We have cleared that up with the Sucker Lake Group.

    Clearly, our unique combination of low balled worker’s compensation claims didn’t go over well with bank.

    To underestimate …
    To Review….

    “Maybe, for your first lesson in Tactics, go stand in front of that Tow truck poster child ” The Health Insurance Portability and Accountability Act of 1996.

    The phrase poster child originally referred to a child afflicted by some disease or deformity …not to misidentify factors that did not
    CAUSE or CONTRIBUTE to the alleged damages/injuries distorted and inserted into my medical records history.

    All right?” Using useless, but implementated endorsements to accomodate HCA’s potential loss?

    Now, that’s what I call Health Maintenance Organizations: HCA’s comprehensive ethics and compliance program…….try getting that Crocodile of **** anywhere else.

    Chronology: 1998, State Farm Insurance Company. This case also involved a motor vehicle collision. The side collision occurred at an intersection where AMR took Debbie to Linda’s hospital where a follow-up was noted: A Neurology Specialist will be able to explain in more detail Snorkel Gear w/ full
    warranties and price protection’s.

    Please have him contact me regarding the cure for the common cold.



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