Posted on 02/14/2006 10:59:15 AM PST by forsnax5
It's still there.....you just can't see it with the dark, starlit sky superimposed over it. Very appropriate for a "fly-by-night" organization.
American Family insures a lot of Wisconsin drivers and has a good reputation here. They pay and do it promptly.
The Colorado claims office must have been an aberration and overlooked by the head office.
The article never gets around to saying what the company's reasons were for denying the claim. They surely didn't deny it on paper by saying well we're over our claims paying limit for this month...
Well, the HQ is in Wisconsin. I haven't heard any complaints about them either. Progressive and State Farm are another story around here.
American Family Insurance, eh? They're the ones doing all the radio spots in my area. Sounds like I'll stick with my company, then.
I hate insurance companies, generally, but we have to have insurance. They sure don't like to pay what's due, though.
ping
I'm ready for regulation. It's a frigging theft by deception today when you consider health insurance companies (the one or two that are left) have finally gotten around to copying the fire and casualty people - deny everything and hope the consumer falls asleep and pays.
Not really. State Farm, at least in Texas, has literally hundreds of reported cases against them for statutory violations out of failure to pay claims, yet they are still going strong. The fact is most consumers don't know anything about how insurance companies work and don't find out until they are on the bottom side of a claim problem.
Actually, I'd assume that they're all different to a degree. Corporate cultures can get screwed up in any type of industry, but they can't *all* be bad apples.
I had the same type of experience with Grange Insurance when one of their insured totalled one of our cars.
Once I sent them a packet with 40 digital pictures and notorized statements from three wittnesses along with a copy of the police report they decided to pay.
Always keep a disposable camera or two in the glove box. It can make your life very easy when dealing with these slimeballs.
NO!
Insurance is intensely regulated. Every state has an Insurance Commission and state laws on doing business in the state. If you have a complaint, the first step is to contact your state's Insurance Commission.
I can really sympathise with this guy. I live in South Florida and hope that I never have to go through this after a hurricane. I would not have the patience that he does to let them drag it out for 3 years.
Gasp. Communist insurance company not looking out for the little guy? Big shock.
Just make sure your new comapny isn't Cigna. You could have a diasability claim invalidated because your case worker neglects to get a report from a doctor whose number, address, and fax he's had for a month before it was needed.
Of course, when you complain about that, they'll tell you "Well, you're entitled to a review of your claim", which they claim will take 45 days, but really takes 62, and in the end, they'll forget about the information they previously had and find something else to use to deny your claim.
They'll then inform you that you are entitled to another review of your claim. Another 45 (60+ day) process. And, you're entitled to a copy of your file.
When you receive the file and find a piece of paper, with a date on it, and the case worker's handwriting (which is anote on the date of the office visit for which they have no report because they neglected to send the doc the paperwork, and with the doctor's contact information), and question how a claim can be denied for a lack of information when the case worker HAD THE INFORMATION ON FILE, the person performing the review and appeal will tell you: I don't klnow.
When you ask "Well, if you know the information was on file and that all you had to do was to send a fax or make a phone call, why didn't you do that during the first review process?". The answer you get: That's not my job.
"Is it your job to ensure that Cigna had all releavnt information before reviewing the claim and made every good faith effort to get such information before hand?" Answer: that's not my job. But we did find another 10 reasons to invalidate your claim today. My boss was impressed.
As soon as I can find a lawyer worth his salt (meaning he won't take more than 25%) I'm going to sue the hell out of Cigna.
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