Your good old pal,s in office.CThe legislation, a compromise between plaintiff lawyers and insurance companies, would have required motorists to have at least $25,000 in coverage for one injury or death, $50,000 for multiple injuries or deaths, and $25,000 for property damage. The current requirements are $20,000, $40,000 and $10,000, respectively.
Who will cover Us.?? Not the Insurance ? Consumers posted, tell your storys. STAND UP.
The investigators hired by securities regulators, federal prosecutors and the FBI will pay lasting dividends because they will become a “standing army” ready to target business wrongdoing. Good I hope and pray STATE Farm Mr Rust has a pass to JAIL. WIll see if someone is doing a good job. or will $$$$ get in the way of the right thing.
STATE FARM
As a Claims Superintendent, I was also responsible for making decisions
on coverage, liability, value, procedures and processes. I was also
responsible for supervision of the defense of lawsuits against the
company involving bad faith in the handling of claims. UIM is an
acronym for uninsured and underinsured coverage, PIP is the acronym
for personal injury protection and MPC is the acronym for medical
pay coverage. All involve first party benefits owed to the insured
for injuries under the State Farm Policies.
As a Claims Superintendent, I had responsibility for the training
of State Farm personnel in the handling of UIM claims. This training
followed the specific format as outlined in the “Education and Training
Guideline” provided by State Farm Corporate. I adhered to the practices
and processes for handling all claims as found in the “General Claims
Memo” manual, “Superintendent’s Manual” and “Claims Procedural Guide”.
Each of these manuals were provided to me from State Farm Corporate.
I was trained in the use and application of “PP&R” as a means of
evaluation of performance for State Farm Personnel. I am familiar
with the use of “Quarterly Reports” as a substitute for “PP&R”s where
State Farm Management are concerned.
Throughout the course of my tenure with State Farm, I had the opportunity
to travel to different states and review claim operations in those
states. Ultimately, I was asked to
create and head up a centralized
unit for the PIP and MPC claims in the State of Washington consolidating
all the PIP and MPC claims handled throughout the State of Washington
into one area. This included the out of state policies being serviced
in Washington. As part of my duties I also had occasion to research
how State Farm conducted claims handling procedures and practices
uniformly all across the country.
I received considerable training during my tenure at State Farm.
When I first started as a Claims Representative I went to several
workshops before I had the opportunity to go back to a formalized
claims school at the State Farm home office in Bloomington, Illinois.
I attended a three-week claims school at the home office. I continually
participated in other training workshops and seminars through the
formal training program outlined in the State Farm education and
training manuals. I later attended State Farm Claims Management
school, also at the home office in Bloomington, Illinois, where I
was taught the State Farm philosophy and State Farm management tools.
After attending the home office management school, I then went through
a regional office management program for State Farm.
the State Farm philosophy and State Farm management tools.
After attending the home office management school, I then went through
a regional office management program for State Farm. Throughout
my tenure, I also participated in workshops and seminars to supplement
my training. I was also responsible for training other employees
through similar workshops and seminars. I am aware that State Farm’s
policies and procedures for adjustment and handling of claims are
implemented on a national, regional and local level. All policies
and procedures originate from the State Farm home office. During
the course of my tenure with State Farm, especially as a Superintendent,
I would receive through general claims memoranda, supervisor’s manual,
claims procedures guide, and through other publications such as “Obiter
Dictum”, information concerning the procedures and practices for
the handling of claims from the corporate home office.
At the regional level, different workshops and programs would be
conducted for State Farm Management. There were managers’ workshops
and managers’ meetings we would attend regularly. There were formalized
programs and newly hired employee orientation required through regional
office. Local claims offices were not permitted to adopt policies
or procedures for the handling of claims that were contrary to national
or regional policies. There was a precise program for training that
was disseminated from State Farm Corporate Headquarters to local
management which we were strictly required to follow.
As a Claims Superintendent, I had responsibility for the training
I am familiar with State Farm’s procedures and practices in determining
its goals in each of the coverages provided within the State Farm
policy including UIM. These goals were determined by State Farm
Corporate with the recommendations from each of the Regional Vice
Presidents. The goals were then conveyed to the Claims Managers,
Division Managers and Claims Superintendents through the use of “Quarterly
Reports”. Ultimately, each claims handler was held accountable to
these goals. Goals were established for an entire year. At the
end of each quarter, each superintendent would report the actual
statistical performances in relation to these goals. Naturally, the
expectation was to meet or exceed the goal in each category. In my
experience with State Farm, these goals were always below the actual
results for the previous year. I am familiar with goals being established
for UIM average severity and UIM average pendings. The actual results
for each State Farm unit, section, region and state would be published
and distributed on a monthly basis to all State Farm Management.
It is through this process, State Farm establishes the environment
to aggressively reduce each claim so as to be recognized by a superior
for merit increases and/or promotion. It is a driving force within
each State Farm employee to reduce their respective average paid
claims and average pending percentages.
It is my experience that the expectation of State Farm Corporate
was to attempt to pay as little as possible in the settlement of
all UIM claims. Their motto “We pay every dollar we owe, but not
one penny more” is typical of the underlying attitude throughout
State Farm personnel. It was significant to realize a moderate savings
on each claim settled. State Farm is the largest personal lines
auto insurer in the world. A savings of one or two thousand dollars
on each UIM claim settled would realize a national yearly profit
in the billions. I am familiar with State Farm’s philosophy, that
the occasional incidental loss it experiences by an adverse judgment
against it does not outweigh the economic benefits of continuing
with its philosophy and claims handling policies in the same fashion
across the country. Until such time that a judgment matches or exceeds
the continuing annual benefits of this practice, State Farm will
not change.
It should be a “given” that the victims of accidents need the benefit
of their insurance more than at any other time. Another “given”
is the insured victims are emotionally and financially vulnerable.
It is hard to imagine more economically abusive conduct than a corporation
using programs to seek to exploit the claim transaction and to delay
or attempt to intimidate by refusing to honor in good faith the contract
with their insureds so as to enrich the insurer. State Farm’s incentive
schemes, PP&R and Quarterly Reports, for claim handlers and management,
do exactly that.
Granted State Farm is a mutual, but if the companies where my retirement funds are invested had the motto “we will pay exactly what we owe and not one penny more,” I would be greatful. In fact, I’d venture to say that a company that knowingly paid out more than it owed would be violating their fiduciary relationship. Other than an honorable desire to help people during their time of loss, your post does not describe where the principle of indemnity is being violated.
Thanks Pat, you are the voice of reason in this sea of chaos. Melanie and her other personalities have taken over this board and flushed it with crap that has nothing to do with the article. I hope she/they get the meds she/they need. Melanie how many personalities do you have now?
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Your good old pal,s in office.CThe legislation, a compromise between plaintiff lawyers and insurance companies, would have required motorists to have at least $25,000 in coverage for one injury or death, $50,000 for multiple injuries or deaths, and $25,000 for property damage. The current requirements are $20,000, $40,000 and $10,000, respectively.
Who will cover Us.?? Not the Insurance ? Consumers posted, tell your storys. STAND UP.
Safeguard us from betrayal! Money, the donor with rank. A protected
agency with no honorable dispute.
The investigators hired by securities regulators, federal prosecutors and the FBI will pay lasting dividends because they will become a “standing army” ready to target business wrongdoing. Good I hope and pray STATE Farm Mr Rust has a pass to JAIL. WIll see if someone is doing a good job. or will $$$$ get in the way of the right thing.
STATE FARM
As a Claims Superintendent, I was also responsible for making decisions
on coverage, liability, value, procedures and processes. I was also
responsible for supervision of the defense of lawsuits against the
company involving bad faith in the handling of claims. UIM is an
acronym for uninsured and underinsured coverage, PIP is the acronym
for personal injury protection and MPC is the acronym for medical
pay coverage. All involve first party benefits owed to the insured
for injuries under the State Farm Policies.
As a Claims Superintendent, I had responsibility for the training
of State Farm personnel in the handling of UIM claims. This training
followed the specific format as outlined in the “Education and Training
Guideline” provided by State Farm Corporate. I adhered to the practices
and processes for handling all claims as found in the “General Claims
Memo” manual, “Superintendent’s Manual” and “Claims Procedural Guide”.
Each of these manuals were provided to me from State Farm Corporate.
I was trained in the use and application of “PP&R” as a means of
evaluation of performance for State Farm Personnel. I am familiar
with the use of “Quarterly Reports” as a substitute for “PP&R”s where
State Farm Management are concerned.
Throughout the course of my tenure with State Farm, I had the opportunity
to travel to different states and review claim operations in those
states. Ultimately, I was asked to
create and head up a centralized
unit for the PIP and MPC claims in the State of Washington consolidating
all the PIP and MPC claims handled throughout the State of Washington
into one area. This included the out of state policies being serviced
in Washington. As part of my duties I also had occasion to research
how State Farm conducted claims handling procedures and practices
uniformly all across the country.
I received considerable training during my tenure at State Farm.
When I first started as a Claims Representative I went to several
workshops before I had the opportunity to go back to a formalized
claims school at the State Farm home office in Bloomington, Illinois.
I attended a three-week claims school at the home office. I continually
participated in other training workshops and seminars through the
formal training program outlined in the State Farm education and
training manuals. I later attended State Farm Claims Management
school, also at the home office in Bloomington, Illinois, where I
was taught the State Farm philosophy and State Farm management tools.
After attending the home office management school, I then went through
a regional office management program for State Farm.
the State Farm philosophy and State Farm management tools.
After attending the home office management school, I then went through
a regional office management program for State Farm. Throughout
my tenure, I also participated in workshops and seminars to supplement
my training. I was also responsible for training other employees
through similar workshops and seminars. I am aware that State Farm’s
policies and procedures for adjustment and handling of claims are
implemented on a national, regional and local level. All policies
and procedures originate from the State Farm home office. During
the course of my tenure with State Farm, especially as a Superintendent,
I would receive through general claims memoranda, supervisor’s manual,
claims procedures guide, and through other publications such as “Obiter
Dictum”, information concerning the procedures and practices for
the handling of claims from the corporate home office.
At the regional level, different workshops and programs would be
conducted for State Farm Management. There were managers’ workshops
and managers’ meetings we would attend regularly. There were formalized
programs and newly hired employee orientation required through regional
office. Local claims offices were not permitted to adopt policies
or procedures for the handling of claims that were contrary to national
or regional policies. There was a precise program for training that
was disseminated from State Farm Corporate Headquarters to local
management which we were strictly required to follow.
As a Claims Superintendent, I had responsibility for the training
I am familiar with State Farm’s procedures and practices in determining
its goals in each of the coverages provided within the State Farm
policy including UIM. These goals were determined by State Farm
Corporate with the recommendations from each of the Regional Vice
Presidents. The goals were then conveyed to the Claims Managers,
Division Managers and Claims Superintendents through the use of “Quarterly
Reports”. Ultimately, each claims handler was held accountable to
these goals. Goals were established for an entire year. At the
end of each quarter, each superintendent would report the actual
statistical performances in relation to these goals. Naturally, the
expectation was to meet or exceed the goal in each category. In my
experience with State Farm, these goals were always below the actual
results for the previous year. I am familiar with goals being established
for UIM average severity and UIM average pendings. The actual results
for each State Farm unit, section, region and state would be published
and distributed on a monthly basis to all State Farm Management.
It is through this process, State Farm establishes the environment
to aggressively reduce each claim so as to be recognized by a superior
for merit increases and/or promotion. It is a driving force within
each State Farm employee to reduce their respective average paid
claims and average pending percentages.
It is my experience that the expectation of State Farm Corporate
was to attempt to pay as little as possible in the settlement of
all UIM claims. Their motto “We pay every dollar we owe, but not
one penny more” is typical of the underlying attitude throughout
State Farm personnel. It was significant to realize a moderate savings
on each claim settled. State Farm is the largest personal lines
auto insurer in the world. A savings of one or two thousand dollars
on each UIM claim settled would realize a national yearly profit
in the billions. I am familiar with State Farm’s philosophy, that
the occasional incidental loss it experiences by an adverse judgment
against it does not outweigh the economic benefits of continuing
with its philosophy and claims handling policies in the same fashion
across the country. Until such time that a judgment matches or exceeds
the continuing annual benefits of this practice, State Farm will
not change.
It should be a “given” that the victims of accidents need the benefit
of their insurance more than at any other time. Another “given”
is the insured victims are emotionally and financially vulnerable.
It is hard to imagine more economically abusive conduct than a corporation
using programs to seek to exploit the claim transaction and to delay
or attempt to intimidate by refusing to honor in good faith the contract
with their insureds so as to enrich the insurer. State Farm’s incentive
schemes, PP&R and Quarterly Reports, for claim handlers and management,
do exactly that.
Granted State Farm is a mutual, but if the companies where my retirement funds are invested had the motto “we will pay exactly what we owe and not one penny more,” I would be greatful. In fact, I’d venture to say that a company that knowingly paid out more than it owed would be violating their fiduciary relationship. Other than an honorable desire to help people during their time of loss, your post does not describe where the principle of indemnity is being violated.
1. Pat is correct 2. What does any of this commentary have to do with Citizens Property Insurance, which is what the article is about?
Thanks Pat, you are the voice of reason in this sea of chaos. Melanie and her other personalities have taken over this board and flushed it with crap that has nothing to do with the article. I hope she/they get the meds she/they need. Melanie how many personalities do you have now?