American Family Insurance Complaints

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Jul 23, 2009 4:25 am   Post subject:   

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 Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Thu Jul 23, 2009 4:36 am   Post subject:   

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?

jeorge
Senior member
Leave a quick message

jeorge

Joined: 07 Oct 2005
Posts: 798


132.87 Dollars($)

PostPosted: Mon Nov 16, 2009 7:17 am   Post subject: American Family  

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!

dnagerous
New member
Leave a quick message



Joined: 16 Nov 2009
Posts: 1


1.19 Dollars($)

PostPosted: Mon Nov 16, 2009 12:09 pm   Post subject:   

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.


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Nov 17, 2009 6:09 am   Post subject:   

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.



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Fri Nov 20, 2009 1:29 pm   Post subject: American Family  

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.


_________________
Register Now to have your Insurance queries solved.
loveinlife
Guest







PostPosted: Fri Nov 20, 2009 1:35 pm   Post subject:   

I don't know of any (captive) company that doesn't also refer to their agents as independent contractors.



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sat Nov 21, 2009 3:35 am   Post subject:   

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?



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Sat Nov 21, 2009 12:42 pm   Post subject:   

Jobvent.com is a good source for looking for 'sour grapes', but also if you weed thru the mess, you can find some good information.



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Dec 02, 2009 8:15 pm   Post subject: AMFAM Screwed me over  

my fiance and i were driving to get dinner and a lady turned left into us. It was our right of way as she didn't have a turn signal. She hit us in a Dodge ram and totalled my Chevy malibu. I had an eye-witness who saw everything and told AMFAM that they were at fault. I got told by "misty" that it was denied and we couldnt do anything but take it to court....



-Poor College Kid

aka

Good Driver[/u]


_________________
Register Now to have your Insurance queries solved.
Good_Driver
Guest







PostPosted: Wed Dec 02, 2009 10:15 pm   Post subject:   

Quote:
I got told by "misty" that it was denied and we couldnt do anything but take it to court....




Misty is an idiot, pure and simple. Every insurance policy has language that states what options are available in the event a claim is denied. As a matter of fact, many current policies don't allow you to sue; they require arbitration instead of litigation.



You don't need to sue anyone at this point. If you could tell us the specific reason for denial we could probably help you some more. Insurers are required to deny a claim in writing and you must be provided a copy of the written notice.



So...what did they say was the reason your claim was denied? Please give us the exact wording as found in your denial letter. Thanks!



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Thu Dec 03, 2009 12:42 am   Post subject:   

Quote:
Every insurance policy has language that states what options are available in the event a claim is denied. As a matter of fact, many current policies don't allow you to sue; they require arbitration instead of litigation.
Easy there Lucky, this OP is third party if I'm reading the post right Wink





Sorry Good_Driver but your post is well...lacking

Quote:
It was our right of way as she didn't have a turn signal.
You do not get a 'right of way' because another vehicle didn't have turn signal on...Was this a controlled intersection? What EXACTLY happened..
Quote:
I had an eye-witness who saw everything and told AMFAM that they were at fault
Unless your eyewitness is a traffic court judge, (and even then.. Rolling Eyes ), they can't "tell" AMFAM that they are at fault, it doesn't work that way..the other driver could have a witness that said the opposite. Now where was your witness and what did they see?
Quote:
I got told by "misty" that it was denied and we couldnt do anything but take it to court....
My guess is that Misty doesn't think her insured would be found at fault in a trial situation. And she denied you based on the investigation, that would be the only reason she would tell you that you would have to secure a judgement for them to pay.



Ok, let us try to help you...tell us exactly what happened in the accident.



Also, did you file this with your carrier? If your carrier paid the ACV (actual cash value) of your totaled malibu under your collision coverage, then they would go against AMFAM to get your deductible and their money back..then....if the adjusters couldn't agree on liability then it would go to arb..which is binding.



While I'm at it what state did this occur in? Perhaps a 49/51 comparative negl. state?


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Dec 29, 2009 7:09 am   Post subject: auto insurance fraud  

I got into a accident, the other driver hit me, I filled out paper work sent it back in to your company. never heard anything more, a year later I get a paper fromAfni saying I owe your company over 2,000. How can you just pick a date to get in touch with a person and tell them thay owe x amount to recover what you payed out to someone who lied about what happened.I was never told what she said happened,why?What I want to know is how can you ask me to pay for something I did not do, nor do or did I want any monies to repairs to my car.


_________________
Register Now to have your Insurance queries solved.
pginwolf
Guest







PostPosted: Tue Dec 29, 2009 11:42 am   Post subject:   

pginwolf, I have no idea who this "you", and "your" is you are referring to, I do know it's no one here. Rolling Eyes



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Dec 29, 2009 1:53 pm   Post subject:   

Quote:
What I want to know is how can you ask me to pay for something I did not do, nor do or did I want any monies to repairs to my car.
The other person was at fault, you file a claim and don't hear anything for a year? Why do I think there might be just a little bit more to this story? You then think someone here is responsible? Yeah... something is just not right. Rolling Eyes
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4, 5, 6  Next  
Page 2 of 6


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused