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
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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