American Family Insurance Complaints

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PostPosted: Sat Apr 23, 2011 4:19 am   Post subject: car accident  

AZ: how long does insurance company have to make an offer for settlement on an auto accident underinsured claim? My husband needs surgery on his spine and the insurance policy for the person that hit him was inadequate so we had to make a claim on our underinsured. First thing out of their mouth was "we take on the roll of the other persons insurance". so does that mean American Family treats me like they're not MY insurance company? The doctors confirm that he needs the surgery and American Family delays even more. It's not like we have a million dollar policy!



How long does this take?!


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anonymous12345
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PostPosted: Sat Apr 23, 2011 4:26 am   Post subject: car accident  

AZ: how long does insurance company have to make an offer for settlement on an auto accident underinsured claim? My husband needs surgery on his spine and the insurance policy for the person that hit him was inadequate so we had to make a claim on our underinsured. First thing out of their mouth was "we take on the roll of the other persons insurance". so does that mean American Family treats me like they're not MY insurance company? The doctors confirm that he needs the surgery and American Family delays even more. It's not like we have a million dollar policy!



How long does this take?! how much time LEGALLY does the insurance company have to complete their investigation?



What law requires an insured to see the insurance companies doctor for an IME?



Does the insured have the right to ask for documentation on what the insurance company has paid to "its doctors" over a certain time frame?



~Please Help~ thank you!


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anonymous12345
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PostPosted: Sat Apr 23, 2011 5:57 am   Post subject:   

Quote:
does that mean American Family treats me like they're not MY insurance company?
Yes. Their offer is a settlement. Which means whatever amount is agreed to would require your husband to sign a release and once the release is signed, that is it. No more money. Do you know _exactly_ what all of his medical bills will be, past, present and future?



Quote:
What law requires an insured to see the insurance companies doctor for an IME?
Prior to suit? None, not in this case... unless your carrier is providing Medical Payment or PIP coverage. Then they can have an IME done.



Quote:
Does the insured have the right to ask for documentation on what the insurance company has paid to "its doctors" over a certain time frame?
You have the right to ask for anything. This does not mean you will get it. Who paid any bills? Do you have PIP or Medical Payment coverage in your state? I see no reason why your carrier would not tell you what bills have been paid. Of course, your medical providers can tell you as well. It's not secret information.



Has the other carrier offered their limits? If so, as long as your carrier agrees to this, then you should have collected from the other person's carrier.



Prior to settling with your carrier you need to go back to your medical providers and negotiate your bills down. Your carrier will then pay you the settlement amount based on the original bills.
tcope
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PostPosted: Sat Apr 23, 2011 1:53 pm   Post subject:   

tcope has provided a very good explanation above.



You're husband's decision to have any necessary treatment is not conditioned on whether the auto insurance company(ies) are paying anything or not. If you have health insurance to cover the treatment, you use that insurance to cover the bills . . . with the understanding that your health insurance is intended to pay for "first party" losses (your own) not "third party" losses (those you suffer caused by the negligence of another person), and your health insurance company will be entitled to collect up to 100% of its actual expenditures on your behalf from whatever settlement you eventually obtain.



The auto insurance company (yours or the at fault party) has no legal right to prevent your husband from receiving the treatment his physician deems necessary, and they cannot require any SECOND OPINIONS to determine whether there is a need or an alternative.



This is a civil tort. Your husband was injured through the negligence of another. He is entitled to obtain whatever is reasonable to "restore him to whole" -- as close physically to his pre-injury condition as possible (knowing that this is really an impossibility). Even if the at fault party's insurer pays the limit of liability, and your insurance company pays its limit of liability, if your losses exceed that combined amount, you still have a legal claim for the excess against the party that caused your husband's injuries (but whatever you might recover would be payable to your health insurer and/or your own auto insurer, for the amounts they paid over and above what the at fault party's insurer paid to either of them). For that, you will need an attorney of your own choosing.



If your husband needs surgery, schedule the surgery and have it done. Disregard whatever any auto insurance company is telling you about that. You don't need their opinion or approval, and they have no right to prevent it. That's entirely unnecessary at this point. Determining continuing disability later is a different matter entirely.



Negotiating the value of medical expenses with those providers? Sure, you can always do that, before or after the fact. Before is better.



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PostPosted: Wed May 11, 2011 9:39 am   Post subject: secondary home insurance  

looking for a reputable insurance for my secondary home.

any sugestion?.


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PostPosted: Wed May 11, 2011 3:15 pm   Post subject:   

Find a reputable local agent or broker, and you'll probably find the answer you are seeking. What's wrong with the company that insures your primary residence?



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PostPosted: Thu May 12, 2011 12:02 pm   Post subject:   

I'm also curious to know why you won't get your second home covered under the same carrier that covers your primary residence. I've heard that it's often beneficial to get both residences covered under the same carrier. Is it that your second home is situated in a different state? That won't perhaps be a good reason to think like that.

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PostPosted: Fri May 13, 2011 7:50 am   Post subject:   

Quote:
I'm also curious to know why you won't get your second home covered under the same carrier that covers your primary residence




Yes, there can be some additional discounts for doing as Steven ponders. However, Steven, it depends on where the second residence is located.



It could be in a fire zone that the insurer is not happy to see, and they take a pass. Or it could be in a different state, as you ask, where the insurance company does not do business.



And the OP might have gotten a quote from his company and it was too high for his comfort.



Any number of reasons to do what has been done.


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PostPosted: Fri May 13, 2011 11:24 am   Post subject: bummer  

Trying to get them to treat me ethically. But this thread is giving me even more doubts.


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ShanZ
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PostPosted: Fri May 13, 2011 11:33 am   Post subject: car wrecks upset you  

see someone griping about grammar.



When I got in my car wreck that was the AM driver's fault I was so upset that I didn't even mention the best MLM.



I am also a former AF agent. They tried to train me to lie. To tell people I wasn't calling to sell them insurance.



Hum perhaps that was the truth after all!!!!


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ShanZ
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PostPosted: Tue May 24, 2011 5:02 pm   Post subject: lazy agents  

Embarassed how aobut the agents start doing there job ,right for once,., Embarassed

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PostPosted: Sun Jun 05, 2011 3:39 am   Post subject: American Family Insurance  

I worked for American Family Insurance. And believe me, it is NOT a company that you want to do business with. I have witnessed numerous ethical issues with agents from stealing premiums to providing coverage with added premium without the insured knowledge. SadEvil or Very Mad


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PostPosted: Sat Dec 31, 2011 5:46 am   Post subject:   

If you are facing this kind of problem then you can get the suggestion of [Link removed as per TOU] he would show you how to get your self out from this kind of frauds and he would also guide you about legal actions too.

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PostPosted: Sat Jan 07, 2012 4:36 am   Post subject: where do I find best modafinil & slimex online?  

Are you sure about this??


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PostPosted: Thu Jan 12, 2012 11:13 pm   Post subject: American Family Bad Faith  

American Family is the most unethical Insurace co. No problem until a claim is filed. They intentionlaly delay claims, fail to properly investigate, make false allegations to shift a breach of contract for failure to cooperate further without probable cause in order to avoid paying and invoke legal action claiming that a valid claim was filed as a fraudulant claim, labeling insureds as criminals. It seems to be the standard tactic if a theft or fire claim is filed. Corporate Greed


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