by Guest » Tue Jul 01, 2008 08:31 am
Hi friends..your threads describing insurance frauds committed by 2 of the insurance giants have urged me to take up my pen & share with the community what I had encountered almost 2 years back.
Though it was a not-so-deep accident & it was the other party who was spotted for reckless driving, still it had left an impact in my mind & body. My red Mazda protege5 was waiting at the red light & so I had some time to look around & it was then that the mishap had occurred. It was a 2500 pull up truck that had a snow trailer & a snow hauling equipment attached. It hit me from nowhere & I had no time to escape a compression injury which now generates constant pain. I'd scored 6 on a measurement of 0-10. My nerves would grow fast once they got burnt. The initial use of a spinal cord stimulator have yielded good results to let me undergo an implantation.
All this while, Progressive had been a mere spectator with only a little contribution so far to get my car repaired & came up with nothing towards my bodily injuries. The bills are now up & above $35,000. Our repeated requests for a medi-scan have fallen to deaf ears..& they must have started believing that they could get away with it quite easily. Now, it is at this juncture that my hubby's insurance came to good use through paying off my medical bills. My claim has been turned off even though I've had a clean medical track. I'd like to know if there could be a specific reason why my medical exams have been turned down!
I'm sorry to say that I'm not seeking any further advice from the Progressive agents, neither am I gonna offer them any more personal information through any open platform. I'm out to seek general consumer views over this incident & generate public awareness..I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed. I've had to consume heavy pain-killer dosages that have strong side -effects to add to my misery. Now what!
KellyF-Alaska
Though it was a not-so-deep accident & it was the other party who was spotted for reckless driving, still it had left an impact in my mind & body. My red Mazda protege5 was waiting at the red light & so I had some time to look around & it was then that the mishap had occurred. It was a 2500 pull up truck that had a snow trailer & a snow hauling equipment attached. It hit me from nowhere & I had no time to escape a compression injury which now generates constant pain. I'd scored 6 on a measurement of 0-10. My nerves would grow fast once they got burnt. The initial use of a spinal cord stimulator have yielded good results to let me undergo an implantation.
All this while, Progressive had been a mere spectator with only a little contribution so far to get my car repaired & came up with nothing towards my bodily injuries. The bills are now up & above $35,000. Our repeated requests for a medi-scan have fallen to deaf ears..& they must have started believing that they could get away with it quite easily. Now, it is at this juncture that my hubby's insurance came to good use through paying off my medical bills. My claim has been turned off even though I've had a clean medical track. I'd like to know if there could be a specific reason why my medical exams have been turned down!
I'm sorry to say that I'm not seeking any further advice from the Progressive agents, neither am I gonna offer them any more personal information through any open platform. I'm out to seek general consumer views over this incident & generate public awareness..I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed. I've had to consume heavy pain-killer dosages that have strong side -effects to add to my misery. Now what!
KellyF-Alaska
Posted: Wed Jul 02, 2008 11:21 am Post Subject:
Alright Kelly,
I still don't have one..I was just explaining what I'd go through in case I hire one..
You can see how you have clearly lead us to believe that you HAD already hired an attorney right?I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed
Let me lay it out for you then and hopefully now that we know you do not have an attorney thus may not understand everything...(do you get that there is a big difference if you are atty rep'd or not? in what your level of understanding should have been)..
ALL insurance carriers will not pay one single penny until all medical is done and injured party released and ready to settle..PERIOD...that's the way all BI's are handled this is NOT a progressive deal..ask your own insurance company (an adjuster not agent) if you don't believe me...
So, if you have 35k in medical bills that progressive agrees are accident related, after their review then it should be a slam dunk that you get policy limits (50k)...Now keep in mind most of the medical providers and your health carrier will want their money first, and have probably already filed leins with the adjuster against your settlement... There is 50k that's all no more...no need in getting mad at progressive about it, that is what the guy that hit you bought, they cannot pay more than there is coverage for, and after all it's identical to what you have on your own policy...
You have two choices...ask for the policy limit of 50k, and hopefully get it and call it a day...get an attorney he will take a third of this leaving you essentially with nothing after the bills are paid, but if the at fault person has any assets (and honestly he'd have to loaded), then the attorney can file suit and maybe secure an excess judgment (meaning the actual person would have to pay you anything over 50k that you received a judgement for)...This could take years, and is hard to collect...also remember the atty takes his third FIRST...
What EXACTLY is your injury? How much of this 35k in medical bills are diagnostic? When was the last time you talked to the adjuster and what was said regarding your injury settlement?
I don't think I have an UIM..
You need to know FOR SURE, if you have it or not..this makes a HUGE difference!!!!Posted: Sat Jul 12, 2008 08:17 am Post Subject:
To me progressive insurance complaints would seem quite unjust from the part of consumers...Progressive is one of the largest casualty insurance companies..so its natural that they would fix their premiums on the cost of business. So, if ever Progressive is forced to meet a fraudulent claim...what do you expect of them!
See, it is right then that it becomes inevitable for them to distribute that cost over their existing customers..stormy-nite77
Posted: Sat Jul 12, 2008 10:00 am Post Subject:
Hi stormy-nite77,
You'd be amazed to know that as per the NICB records insurance giants would usually pay around $30 billion every year towards settling such undue claims e.g. Progressive claims, which would eventually be spread over other customers through premium hikes.
It is quite evident that the con artists would obtain new cars & then buy a car to commit intentional accidents & then claim for the money.
Come back soon, Playroute
Posted: Sat Jul 12, 2008 10:32 am Post Subject: experiences..
hey..i'll share some funny cases related to Progressive-
A motorcyclist had once crashed by the side of a street & then wiftly made a call back to Progressive regarding his casualties. Little did the gentleman notice that one of the passers buy had been watching him stand up on his feet & pick up his phone. The first thing that he had done is to call on progressive.
Another instance of a Progressive consumer playing with the carrier was when he had crashed his car with his wife. The husband was smart enough to call Progressive soon after while his wife was crying in the ground. So, now you'd know why so much time is consumed by a progressive insurance settlement!
Posted: Sat Jul 12, 2008 12:06 pm Post Subject:
A couple of days back I heard of a similar plot enacted by 2 farmers. They had planned to blow up their trucks & blame it on terrorism. While blowing it with gasoline & a bomb one of them got blazed instantly. The other one who didn't comprehend the situation well enough..came to the rescue of his partner..& caught fire. The latter died in the hospital due to severe burns later. So...these are the consequences.
Posted: Sat Jul 12, 2008 01:12 pm Post Subject:
Guys..
Do you all know that it has become a practice for companies like Progressive to maintain a log of con-artists & their fraudulent activities. There are instances of health-care units producing medical bills suggesting treatments on injureds who had actually passed away days before.
You'd even come across examples wherein superimposed pics of cars in collision have been forwarded by consumers with similar cars in order to convince their carriers that it was their car which was in a mess.
Many of them have suffered planned physical injuries to obtain a good worth for their claims.
share more if you can,
Daisyibrahim
Posted: Thu May 07, 2009 10:23 pm Post Subject: Live up man!
Hey! What the heck do you think can you exceed the limits. You may have some injury that is justified and substantiate the claim. But your greed for money has only made poor insured and insurers poorer. Like a cunning jackal, just for the heck of money you go and file claims against innocent parties. Do you think you won lottery by getting into no fault accident and filing a suit. Is this a lawless no man's land?
Grow up man. Live up life.
Honestly is the best policy! I would say honesty is the only policy
Posted: Wed May 20, 2009 12:01 am Post Subject:
Hey anonymous00, that is quite a story. Scams make me angry, whether they are insurance or something more (like a ponzi scheme). Where are people's morals sometimes?
Posted: Tue May 26, 2009 12:43 pm Post Subject:
Unfortunately it is far easier for some people to prey on others than it is for them to work a legitimate job. There was a story on the news tonight about a work at home scam website that basically promised (for $89) to share all the secret survey places, telephone sales, and other work from home opportunities. The FTC got involved and finally shut down the 2 guys behind about 6 different websites.
They were 22 years old and had been doing it all through college. As part of the settlement with the FTC to avoid jailtime...they had to turn over a Ferrari, Lamborghini, and about 2.5 Million in cash. Although this seems to be a pretty stiff penalty...I'm sure they just laughed about it.
Why?
Because they had nearly 100,000 subscribers per year...that's 8.9 Million! You really think these college students will ever want to find a job now? Of course not. You made 4.45 Million last year and never reported to a day of work...now you need to come 9-5 Monday through Friday and we'll pay you $35K a year to start....HA! They will simply find another way to scam people!
Posted: Sat Aug 21, 2010 05:22 am Post Subject:
Hi,
Building on the success of our long-running General Insurance and Claims conferences, Marketforce and the IEA are delighted to introduce the inaugural Insurance Fraud Forum. At a time when margins are being squeezed and fraud is on the increase due to the economic environment, claims fraud is rising up the agenda. This dedicated one day conference will provide in-depth insights into advance fraud prevention and detection strategies, and presents an opportunity for the industry to share best practice and work together to combat fraud.
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