I received word yesterday, from a General Contractor in Florida, that the same irrational denial of shingle wind damage is being perpetuated in Florida (3-15-2006).
I wonder how underwritting investors, insurance regulators, and the feds, are going to react when they catch wind of such \”fair and reasonable\” indemnification practices being perpetuated nationwide…
Complain to the State Board of Insurance. Tell the TDI that your company is making you file sut to get your money. If the insurance company has made any payment on the roof, send a letter demanding Appraisal under the provisions of the policy. Send in a Sworn Proof of Loss for the policy limits. Complain to the BBB. File suit under the Deceptive Trade Practices Act.
Send letters to everyone, including your state rep and senator.
does anyone out there know what $ I oughta\’ ask for and would be willing to help me in the settlement process? I was rear-ended by a woman who was clearly at fault and was cited for her actions and was insured by Farmers Insurance. Everything I am about to share with you is documented by Dr\’s and hospitals and my journal. I have pre-existing conditions that were exacerbated from the accident. The \’invisible\’ symptoms include MS, Depression, inability to take medication (I get worse), a suicide attempt, and the physical symptoms include a disc protrusion in my neck, brachial radiculopathy, ongoing nerve pain that radiates from the disc up into my head and down into my left arm and hand. I was on a (documented) career path that has ended with the doctor\’s recommendation. People with MS don\’t learn and make changes easily. I get one shot at the settlement and I am not a wallflower. To the contrary, I am quite a whistle blower and the ridiculous low-ball offer that Farmer\’s Insurance has offered me is an insult. Ideas?
You write like a lawyer or doctor, or just a well educated claimant. You obviously know what you are talking about, so I can\’t believe you are serious; however, if you are, you simply need a good lawyer. Too many other details left out of your scenario, like the amount of your specials, proof of future economic loss (wages), venue, etc.
I am well-educated and well-versed in what I am familiar with. What I don\’t know is what I would like help with. I think I may be entitled to more $ than I or other\’s who I\’ve talked to are aware of. And, it\’s a matter of principle – I\’m an \”Erin Brockovich\” type and it infuriates me that companies, such as Farmer\’s Insurance, who happen to know how the game is played and have legal teams to protect their finances rip-off folks with less $ and are less educated and don\’t have the backbone to stand up to them. Belive me, this is no joke and you might not think I need any help, but if I do, then I do.
Again, you need to seek out a good and reputable lawyer. It doesn\’t matter what you ask for or how loud you scream, you will likely not get what you feel you are entitled to by attempting to negotiate this matter on your own. They will not take you seriously until you file your suit and the depositions begin. Only then will they realize the seriousness of your case. You can file complaints with Farmer\’s executive office, with your State\’s DOI, and even call the news media, but you will only be delaying the inevitable. I have 28 years experience in the claims field and personal injuries and lawsuits in particular. Trust me, you need to allow your actions to speak louder than your words.
I think I saw a movie in the early 80\’s with Paul Newman(sp) One statement made was that \”In America you have a CHANCE at justice\” but you don\’t necessarily get it.
DO THE MATH. Farmers Insurance lost 20% of their PIF in the past 2 years, yet congratulated each other for a record profit year. Farmer\’s faithfuls where did the record profit come from, they lost 20% of their PIF and reduced premiums. It does not take Einstein to figure where the profit was derived. Management asked claims to reduce pay outs, if they didn\’t they were written up. The added benefit to this was the high turnover of experienced (they knew better) higher grade pay help. WOW! what luck cheap, inexperienced adjusters to deny claims (60%) turnover rate. Management is sooo smart they are arrogant, it worked lowering claims costs by not paying the claims in-full, and getting all your experienced higher paid adjusters to quit.This management has now decided to launch a new auto program, guess who they lo-balled this time, the AGENT. That\’s right beat the competition by cutting the agents auto commission by 30%, WOW, again it will increase there profits this year. I can not wait to see there next move. They have reduced their DM\’s percentage so much noone with any experience (brains)will take the job. WOW! that worked well DM\’s now make 50% less than 10 years ago. A DM;s job is to higher new talent, but in most cases THEY HAVE NEVER BEEN AN AGENT!YOU TELL ME! IS THIS SOUND MANAGEMENT? THE INDEPENDENT AGENT BEATS YOUR RATE, AND MAKES 100% MORE COMMISSION. This information is fact, and public information, do not kill the messenger.
Einstien . . . it sounds as if you were an agent or claims adjuster for FIG? I won\’t shoot the messanger if, as you say, all the info you posted here in your comment is a matter of Public Record. Where can I find this info? Web site?
Another class action (no class)against Farmers Insurance Group. It appears they were over-charging policyholders on their Easy Pay. I know you are going to say all insurance companies are doing this, and again Farmers Insurance just got caught, its not three strikes and your not out? No big deal!
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Al–and Anyone Else…
I received word yesterday, from a General Contractor in Florida, that the same irrational denial of shingle wind damage is being perpetuated in Florida (3-15-2006).
I wonder how underwritting investors, insurance regulators, and the feds, are going to react when they catch wind of such \”fair and reasonable\” indemnification practices being perpetuated nationwide…
rogerpoegc@yahoo.com
Complain to the State Board of Insurance. Tell the TDI that your company is making you file sut to get your money. If the insurance company has made any payment on the roof, send a letter demanding Appraisal under the provisions of the policy. Send in a Sworn Proof of Loss for the policy limits. Complain to the BBB. File suit under the Deceptive Trade Practices Act.
Send letters to everyone, including your state rep and senator.
DRIVE THEM NUTS!
does anyone out there know what $ I oughta\’ ask for and would be willing to help me in the settlement process? I was rear-ended by a woman who was clearly at fault and was cited for her actions and was insured by Farmers Insurance. Everything I am about to share with you is documented by Dr\’s and hospitals and my journal. I have pre-existing conditions that were exacerbated from the accident. The \’invisible\’ symptoms include MS, Depression, inability to take medication (I get worse), a suicide attempt, and the physical symptoms include a disc protrusion in my neck, brachial radiculopathy, ongoing nerve pain that radiates from the disc up into my head and down into my left arm and hand. I was on a (documented) career path that has ended with the doctor\’s recommendation. People with MS don\’t learn and make changes easily. I get one shot at the settlement and I am not a wallflower. To the contrary, I am quite a whistle blower and the ridiculous low-ball offer that Farmer\’s Insurance has offered me is an insult. Ideas?
You write like a lawyer or doctor, or just a well educated claimant. You obviously know what you are talking about, so I can\’t believe you are serious; however, if you are, you simply need a good lawyer. Too many other details left out of your scenario, like the amount of your specials, proof of future economic loss (wages), venue, etc.
I am well-educated and well-versed in what I am familiar with. What I don\’t know is what I would like help with. I think I may be entitled to more $ than I or other\’s who I\’ve talked to are aware of. And, it\’s a matter of principle – I\’m an \”Erin Brockovich\” type and it infuriates me that companies, such as Farmer\’s Insurance, who happen to know how the game is played and have legal teams to protect their finances rip-off folks with less $ and are less educated and don\’t have the backbone to stand up to them. Belive me, this is no joke and you might not think I need any help, but if I do, then I do.
Again, you need to seek out a good and reputable lawyer. It doesn\’t matter what you ask for or how loud you scream, you will likely not get what you feel you are entitled to by attempting to negotiate this matter on your own. They will not take you seriously until you file your suit and the depositions begin. Only then will they realize the seriousness of your case. You can file complaints with Farmer\’s executive office, with your State\’s DOI, and even call the news media, but you will only be delaying the inevitable. I have 28 years experience in the claims field and personal injuries and lawsuits in particular. Trust me, you need to allow your actions to speak louder than your words.
Good Luck Rebecca!
I think I saw a movie in the early 80\’s with Paul Newman(sp) One statement made was that \”In America you have a CHANCE at justice\” but you don\’t necessarily get it.
DO THE MATH. Farmers Insurance lost 20% of their PIF in the past 2 years, yet congratulated each other for a record profit year. Farmer\’s faithfuls where did the record profit come from, they lost 20% of their PIF and reduced premiums. It does not take Einstein to figure where the profit was derived. Management asked claims to reduce pay outs, if they didn\’t they were written up. The added benefit to this was the high turnover of experienced (they knew better) higher grade pay help. WOW! what luck cheap, inexperienced adjusters to deny claims (60%) turnover rate. Management is sooo smart they are arrogant, it worked lowering claims costs by not paying the claims in-full, and getting all your experienced higher paid adjusters to quit.This management has now decided to launch a new auto program, guess who they lo-balled this time, the AGENT. That\’s right beat the competition by cutting the agents auto commission by 30%, WOW, again it will increase there profits this year. I can not wait to see there next move. They have reduced their DM\’s percentage so much noone with any experience (brains)will take the job. WOW! that worked well DM\’s now make 50% less than 10 years ago. A DM;s job is to higher new talent, but in most cases THEY HAVE NEVER BEEN AN AGENT!YOU TELL ME! IS THIS SOUND MANAGEMENT? THE INDEPENDENT AGENT BEATS YOUR RATE, AND MAKES 100% MORE COMMISSION. This information is fact, and public information, do not kill the messenger.
Einstien . . . it sounds as if you were an agent or claims adjuster for FIG? I won\’t shoot the messanger if, as you say, all the info you posted here in your comment is a matter of Public Record. Where can I find this info? Web site?
Another class action (no class)against Farmers Insurance Group. It appears they were over-charging policyholders on their Easy Pay. I know you are going to say all insurance companies are doing this, and again Farmers Insurance just got caught, its not three strikes and your not out? No big deal!