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 Posted: Thu Jul 23, 2009 4:25 am Post subject: |
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I've been watching this thread since it's inception, and now I have to say something. Actually a few things...when have I ever said "one" thing?
First off, I am still trying to understand what the heck some of the posters in this thread are trying to say. The use of the English language in this thread is doing nothing but confusing me, and I'm having an impossible time figuring out what the heck the OP is asking, or not, or kind of asking, or tripping over herself. OP- we're still trying to find out what's up here to see if we can help you...please answer the other questions posted by Lori and tcope...they're pieces of info we need to assist. We have a ton of expertise here but we can't do anything unless you fill us in.
OK...help me out posters. What do these statements, taken from various posts in this thread, actually mean?
| Quote: | | I'm quite sure that for such cases, the agents must have fake names. |
What??? Are you suggesting that the agents are using aliasis to obtain their insurance license? I kinda don't think that's gonna happen...as a matter of fact...it's NOT gonna happen.
| Quote: | | I hv this feeling that your husband probably filled up those papers which Am Fam had with them. |
What??? I have no idea what this means...could you explain please? Are you saying that the husband did fill out the "papers he had" with "them" being the insurance agent? In other words, he filled out the paperwork in the presence of the agent?
| Quote: | | I somehow get this feeling that the carrier was composed in itself...& was trying to offer you more time to get out of the fault. |
What??? Are you suggesting that AmFam was thinking about what was going on and offered the insured more time to change his mind about filing a claim?
| Quote: | | Then how do they plan to get you back to your pre-cash condition? |
Did you mean "pre-loss" condition, as in indemnification?
| Quote: | | Her state didn't mandate insurance laws. |
All states mandate insurance laws, every one. Did you mean to say that the state didn't "enforce" the law? If that's the case, usually that means that no law was broken and there isn't anything to enforce. I ain't buyin' it.
| Quote: | | The mishap occurred at the end of illinois. The lady coming from the front got disillusioned of a green turn arrow, drew in front of her making it inevitable for the cars to clash. |
Do you mean in the southern end of Illinois? Do you mean she didn't see the green arrow, or the green arrow disappointed her in some way?
| Quote: | | The oppressor got a ticket for whatever she did & apologized at the court of law. Following that event Am Fam had denied my cousin any coverage towards the car repairs which got totalled. While confronting the adjuster she came to know that her carrier is of the belief that she had probably crossed a red light & was the party at-fault. I 'd come to know from her that Am Fam had even requested her to feed for the damages worth spent by them towards covering their client. thanks for sharing your american family insurance complaints |
Whether or not the "oppressor" got a ticket has absolutely no bearing on the matter other than to possibly establish an element of negligence. Am Fam would NOT deny a claim "following that event." If you mean that the insurer wouldn't pay for the other's car's damages, that would only occur if Am Fam and the other carrier had agreed on liability. It's really unusual that company will deny liability or physical damage coverage without truly establishing negligence. Remember, my response is based on a pure guess of what you stated. Finally, if a company pays on behalf of their client and it's the other guy's fault, they have the absolute legal right to seek recovery from the at-fault party. This is normally paid by the insurer, assuming coverage was in effect.
Whew....I'm exhausted. I also have a feeling that my answers had nothing to do with the poster's intent.
InsTeacher 
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InsTeacher
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| Posted: Thu Jul 23, 2009 4:36 am Post subject: |
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Pam, I empathise with you but you can hardly say that it's an unethical action from the part of the insurer. Unfortunately, the insurer can decide to discontinue the service they are providing if you become a high risk to cover.
Were all these claims filed within a short period of time? How long have you been insured with American Family? |
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jeorge
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| Posted: Mon Nov 16, 2009 7:17 am Post subject: American Family |
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| I work for this company. They are the worst I've ever seen for claims. coverage, ect... They do many things to get out of paying their insureds. They also fire agents right before ten years of service so they do not have to pay them on policies. They tell the agents that they are independant contractors and then they do not pay for their health insurance, but treat us as if we are employees. I am not happy with this company! |
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dnagerous
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| Posted: Mon Nov 16, 2009 12:09 pm Post subject: |
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| Quote: | | They tell the agents that they are independant contractors and then they do not pay for their health insurance, |
An independent contractor would not have their health coverage paid for, so I don't get your point.
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Lori
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| Posted: Tue Nov 17, 2009 6:09 am Post subject: |
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I can't believe that I'm actually commenting on this thread again. I particularly take offense at this comment, and I have nothing to do with AmFam:
| Quote: | | I work for this company. They are the worst I've ever seen for claims. coverage, ect... They do many things to get out of paying their insureds. They also fire agents right before ten years of service so they do not have to pay them on policies. |
The "worst you've ever seen." How many insurers have you actually worked for? Could you enlighten me with your vast experience with the thousands of insurers that operate in this country? Let me give you some statistics on problems associated with insurers, and then I'll give you the website where I found these stats so you can look at them yourself.
Would you agree that complaints that are filed and found to be valid would be a good indicator of the "worst" companies? In a lot of areas this would be a correct assumption, but like any statistic- can be misconstrued. Consider these complaint indices:
Assumption: The base line is "1.00" for these statistics. The complaint index provides a way to compare insurance companies. Because the average is always measured as 1.00, a complaint index of 1.00 means the insurer's share of confirmed complaints is equal to its share of business in Oregon. A complaint index of 2.00 means that the company's share of confirmed complaints is twice as large as its share of business. In other words, twice as bad as the 1.00.
Here are some popular insurers:
Allstate: 1.38
Farmers: 1.05
GEICO: 1.19
State Farm Mutual: .56
Progressive: 3.38
American Family: 1.02
Yeah...AmFam is just terrible. They're basically "average." Here's the link to the website if you don't believe me:
http://insurance.oregon.gov/publications/consumer/annual_complaintrepo rts/2007/complaint_stats-2007.pdf
Normally coverage is only declined because of one simply reason: there's no coverage. Insurers are not commonly guilty of denying a claim just because they don't want to pay. A court would rip them a new one and the state insurance department won't allow it. Gimme a break.
Finally, about firing an agent before their 10th anniversary. Severing a contract prior to vesting is uncommon and must normally be accompanied by some legal breach. If carriers got away with chopping off an agent's legal rights to the value of their contracts immediately prior to getting vested, they'd end up get clobbered in court eventually.
Now, if you have proof of what you're claiming- show it. I mean proof, not just some stories that you've heard from office morons that are gossiping and spreading rumor and innuendo. Show me proof and I will shut up and get the heck out of this thread.
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InsTeacher
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| Posted: Fri Nov 20, 2009 1:29 pm Post subject: American Family |
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As an "independent" agent contractor individuals own their book of business and they do not have to attend required meetings which include district meetings, award ceremonies, product classes, ect...
American Family makes all of these required by the agent and calls them independant contractors to get out of paying benefits.
Many insurance companies do this to their agents. It should be illegal for the agents to have to pay double their social security and not get paid for their time.
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loveinlife
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| Posted: Fri Nov 20, 2009 1:35 pm Post subject: |
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I don't know of any (captive) company that doesn't also refer to their agents as independent contractors.
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Lori
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| Posted: Sat Nov 21, 2009 3:35 am Post subject: |
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| Quote: | | I don't know of any (captive) company that doesn't also refer to their agents as independent contractors. |
I don't either. State Farm, Allstate, Farmers... they're all independent contracting environments, and they're all captives. Like AmFam is. State Farm makes you go to meeting, Allstate makes you go to meetings. Farmers makes you do lots of things. So does EVERY captive.
The idea of independent contracts don't suit many individuals well. They think it sounds good at first, but then discover things they didn't think of when considering the position in the first place. There's something to be said for going with certain carriers over others, but that's not the discussion.
Do recruiters commonly put "lipstick on the pig?" Yup. Do they suck in unsuspecting chumps? Yup. I work with some of them and the turnover is humongous. I also work with the high-end captives and their turnover is pretty much non-existent. Again, not the forum.
Here's my point...it's obvious to me that anyone complaining about any particular company in these forums is able to get online. If you can get online, it kinda makes sense to me that if you found this forum, you have a least a modicum of ability to search for stuff online. If you have the ability to search out stuff online and you possess a teenie-weenie bit of intelligence, it figures that you would, maybe, do a little checking on the company you're about to put your future into. There's so much information on AmFam floating around in cyberspace...I just did a search on "American Family complaints" and:
| Quote: | | 1 - 10 of about 31,800,000 for american family complaints - 0.30 sec. |
Thank you Google. Here's another one:
| Quote: | | 1 - 10 of about 7,860,000 for state farm complaints |
Ooooooh...comparing State Farm to American Family in terms of sales and market penetration is like comparing General Motors to Kia. Not even close...and State farm has 1/4 the complaint citations on Google. Does that tell you something?
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