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 Posted: Sat Aug 01, 2009 8:39 am Post subject: accident |
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[quote]because the insurance company is telling me about taking it to one of their body shops but I am not sure what parts they will be using on my car? what should I do?
| Quote: | | Well......I would think you could take your car to ANY body shop. Insurance Co's can recommend to take it some where, but,..I think the decision is yours. If you're not sure about parts, etc., then you should ask ( I do all the time!!LOL). I would just use your 'gut feeling' about whether you're getting the right answers or the run-around..ya know? Maybe you can go to one ot two shops and get estimates, then compare them, etc. |
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sdchargersfan
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| Posted: Sat Aug 01, 2009 8:03 pm Post subject: |
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| Quote: | | Been working in P&C insurance for 20 years... never heard of that. I did not find anything on a google search either. I've heard of Red Lining in the banking industry. |
Allstate Insurance Co., many trial lawyers contend, tries to discourage ...... OUR COMMENTS: Allstate almost Never settles once you've been Yellow-Sheeted. ...... The General Accounting Office is launching an investigation into how and ...... Incredibly, the 60 minutes special on the corruption of the Texa Supreme ...
graham.main.nc.us/~bhammel/INS/crimelist.html - Similar
google link to only current reference I could find but looking for more. I saw the 60 minute story years ago.
http://graham.main.nc.us/~bhammel/INS/crimelist.html
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MikeoftheOzarks
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| Posted: Sat Aug 01, 2009 11:28 pm Post subject: Insurance |
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| 'Yellow sheeted...White sheeted'? Isn't that being almost prejudice? Depending on where the 'victim' lives, determines on when the police will 'get to it'? That sounds awful!! |
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sdchargersfan
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| Posted: Sun Aug 02, 2009 6:40 am Post subject: |
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References found on-line for Yellow Sheet
Yellow Sheet Report For political news
Yellow Sheet Cake For those with a sweet tooth
Yellow Sheets For those 3 year olds and some adults 
Yellow Sheet Construction paper for you scrap bookers
Yellow Sheet Slang for criminal records 
Caroline Yellow Sheet Set For decorative bedding including dust ruffles
Yellow Sheet Copy I left with written statement giver
Yellow Pages Lots and lots of yellow sheets 
Yellow Fever Source of many bad epidemics 
Yellow - The color intermediate between green and orange in the color spectrum 
Yellow Sheeting The only reference that seemed to fit is on ampminsure.com where apparently some TV news shows said it was happening so it must be true. I dont know of any news organizations that make things up for ratings or a scoop. And the link from insurancejustice.com is about Allstate complaints 10 years ago and mentions nothing about what you speak of. 
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Dasfuk
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| Posted: Sun Aug 02, 2009 4:31 pm Post subject: |
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If it were not a biblical reference, you would think the term denial originated in the insurance industry.
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MikeoftheOzarks
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| Posted: Mon Aug 03, 2009 11:51 am Post subject: |
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| Quote: | | I don't suppose either of you ever heard of the Yellow sheeting that took place in the industry years ago? Claims that came in on yellow sheets were a signal to the adjuster that the claimants most likely lived in poor areas, were minorities, were too poor to hire attorneys, were uneducated, etc. They were lowballed on their claims and the ones that came in on white sheets were handled entirely differently. That was well documented on news shows in the 90's. I'd like to think that stuff doesn't happen anymore, then you read about incidences where a judge ordered a flying pig out of a claims office. Everytime an adjuster was able to deny a claim, they would flip a switch on the pig and it's wings would flap. It would be nice to think these are only isolated incidences. I am sure these are not practices any insurance company CEO would authorize, they come from a much lower level I would think |
Mike, I've been in this biz since 1987, NEVER EVER heard of either of these...I checked 60minutes for archieves nothing there...or on the pigs either ."Well documented" should show up somewhere on the net..your link appears to be (mainly) an allstate slam site...
"too poor" to hire an attorney? These would be contingency cases, and big ones at that, for bad faith, so no payment for an attorney would be needed by the person making this bad faith claim...
I'm not saying there are no 'bad' adjusters there certainly are...but I've seen no proof of any carrier handling claims based on an address, nor (unless contractually so) handling a claimant repair differently than an insured one Mike. | Quote: | | If it were not a biblical reference, you would think the term denial originated in the insurance industry |
It's a term certainly used a lot in the insurance industry that's for sure...But there are many 'denials' you too would quickly agree with Mike..I don't get your point with that one.. 
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Lori
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| Posted: Tue Aug 04, 2009 11:50 pm Post subject: |
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| Quote: | | Mike, I've been in this biz since 1987, NEVER EVER heard of either of these...I checked 60minutes for archieves nothing there...or on the pigs either ."Well documented" should show up somewhere on the net..your link appears to be (mainly) an allstate slam site... |
Link to the entire story http://www.thedenverchannel.com/news/7011681/detail.html
I doubt that the abc affiliate qualifies as a blog site or insurance slam site
| Quote: | American Family Insurance refused to pay Peressini's insurance claim. He was forced to sue -- opening the door to a series of surprising discoveries.
A former American Family Insurance employee described the company culture promoted by a supervisor.
"It was pink pig ... She said it was meant to be that she would approve something when pink pigs fly," said the former employee.
That testimony helped convince the jury about the impact and influence the toy pig had on decision-making inside American Family Insurance.
Peressini's attorney, Sam Livingston, told jurors the pig symbolized an insurance company ignoring state law and indiscriminately denying claims.
"They were happy about and would celebrate, in effect, when they would deny claims," said Livingston. "They'd push the button and make it flap its wings." |
As far as the yellow sheeting, I spoke with a former Allstate regional claims supervisor and expert defense witness employed by them in the s/w region of the country in the 60's and 70's and he splained it to me in this manner. He too did not remember the term yellow sheeting, that was the term or name of the news story that ran at the time.
It worked like this. Pre-computer and when appraisers hand wrote estimates at that time, it was done on four part ncr paper. One copy was white, and another was yellow, other colors may have been blue and pink or green. It was understood and implied in what he referred to as the Allstate thick ring binder bible to handle claims in this manner. All claims in which the party might also have injury claims along with property claims, the inside adjuster recieved the estimates by certain colors.
Just to cover my own keyster, I will state that this is the testimony of a former employee and these are his allegations to the best of his recollection on the subject. The inside bodily injury adjuster referred to by company employees as the blood adjuster, would receive the yellow copy if they were a minority, single woman, senior citizen, obviously poor by virtue of the car they drove and the location of their residence, and possibly uninsured or non represented claimants. This meant that the blood adjuster had a coded permission to lean heavily and lowballed the claim for a quick packaged settlement. If the sheet were white the blood adjuster had to handle the claim more delicately as they were likely to have representation or the ability to hire an attorney.
I doubt that this type of activity happens today but it did alledgedly happen and was reported on at that time by a tv news investigation team. Does this type of activity still occur from time to time in various claims department, I would have to guess yes. Take for example the well documented case of certain insurance employees stalking an insured in his own church to dig up dirt on him to deny a claim. Another top ten insurer to boot. Need that link?
This is not to imply that this is the general practice or claims handling practices of all insurance companies or their adjusters. But it was and is the practice of a few still to this day apparently. There is always a rotten apple in every bunch that takes the low road in all industries including mine.
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MikeoftheOzarks
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| Posted: Wed Aug 05, 2009 11:19 am Post subject: |
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| Quote: | | I doubt that the abc affiliate qualifies as a blog site or insurance slam site |
Well of course not Mike! And that was a GREAT link and story, thanks Mike, (really)..and American Family should have got their corp. butt handed to them...I wonder (simple curiousity) why they guys claim was denied to begin with, because it doesn't seem from the story that Am Fam was wrong in their denial of the claim..but most certainly wrong in this other aspect of the claim (s) handling. I also wonder if that judgement got paid or if it's still under appeal? Do you know Mike?
Bet that one judgement IS the reason that so many big company's have made the decision that NO employee can have anything on their desk that isn't ''company'' approved  | Quote: | | Pre-computer and when appraisers hand wrote estimates at that time, it was done on four part ncr paper. One copy was white, and another was yellow, other colors may have been blue and pink or green. |
Oh man do I remember those! Think ours were three part though, and I don't really remember the colors, think, white, yellow and pink, (one for the shop, one for the owner, one for the hard file)..what a pain in the butt that was... I fortunately only had to hand write sheets about a year, before they accepted the computer age  However, I will say, I ''can'' do it, most adjusters today wouldn't have a clue how to read a crash book..
"If" this type of thing happened (yellow sheeting)...it would've been unforgiveable...however, (again) I've never heard of this, (nor the 'blood' adjuster nickname)..and most certainly would've been a company specific thing... I could see allowing it as 'code' a different colored sheet for an accident with injuries maybe, but it should stop there... | Quote: | | Does this type of activity still occur from time to time in various claims department, I would have to guess yes. Take for example the well documented case of certain insurance employees stalking an insured in his own church to dig up dirt on him to deny a claim. Another top ten insurer to boot. Need that link? |
No, I don't think anybody would NOT remember that mess but that's not the same as writing estimates for vehicle repair based on an address etc...nor is the yellow sheet deal either, as I understand it from your 'legend' it pertained to the handling of the B.I. claim...not the damage estimate, which is what you said (unless I read something wrong). | Quote: | | But it was and is the practice of a few still to this day apparently. There is always a rotten apple in every bunch that takes the low road in all industries including mine. |
Agreed, there are morons, and idiots in every industry...and those are the ones that get the press..NOT the ones that (like us ) handle every claim or repair like it was their own car, or keep our head down and work thru every day the best we can...(feel like a mail man half the time, thru HEAT, snow, sleet, and dark of night the claim must be handled! speaking of which this damn heat is about to do me in!  )...
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Lori
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