Anonymous
map-marker Redford, Michigan

Servicing fraud

DO NOT GET YOUR INSURANCE WITH THIS AGENT ...JOY ROAD REDFORD MICH. D.DANDNAIK STATE FARM. THEY GIVE YOU A QUOTE REEL YOU IN TAKE YOUR MONEY THEN BILL YOU 1 WEEK LATER FOR MORE MONEY. THEN A WEEK AFTER THAT THEY SEND YOU A BILL FOR MORE MONEY. WHEN YOU QUESTION WHY THEY ARE BILLING YOU AGAIN. OH A COMPUTER GLITCH , BILLING ERROR WILL GET BACK TO YOU. I CALLED NUMEROUS TIMES NO ONE EVER GOT BACK WITH ME AND THEN THEY CANCELLED MY INSURANCE AFTER THEY TOOK ALL MY MONEY.THANKS STATE FARM...GO TO ALLSTATE ! NO HASSELS ! HONEST PEOPLE!
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Loss:
$400
1 comment
Guest

Thanks for the input. State Farm sent me a insurance quote for my car.

Six month period. Offering a reduced cost of $ 30.00 a month on my present insurance. $ 85.00 VS. $ 55.00.

I will stay where I am now. Daddy said " If it sounds to good to be true -- Its Not.

Anonymous
map-marker Dickson, Tennessee

Had a wreck with its policy holder

had a wreck with their policy holder. at beginning of the month. she calls me with no information on what to do about a rental. I have called and left messages but no return. sent a check and now the body shop is going to have it longer because they are busy now n closed for the holiday but why am I without a car or have to pay for it. I am so pissed I don't want to talk to the claims adjuster anymore. this is week 3 and still no word of what to do. I should nt have to come out of pocket for anything. this company is full of s&&t. the claims adjuster is rude and short. I am thinking of hiring a attorney. I never thought it would be this stressful for something so simple
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Loss:
$1044
Miabella Vhx

Neighbors above, caused water damage to our loft

We have had sf for over 25 years. Recently we bought a loft. In a 10 month span, we have had water damage in our loft 3 times from our above neighbors. We filed all 3 claims through subrogation with sf. Our sf claims adjustor told us that these subrogated claims will not effect our insurance... After fighting with sf for payment, writing the CEO an email, they finally paid us. But a month after, sf sends us a letter saying that they are dropping our homeowners. The above neighbors who caused all this water damage to our loft... Also has State Farm.... AND WAS NOT DROPPED FROM THEIR POLICY! When I called my agent and asked why we were being dropped, she said it was the way the adjustor coded the claims we made. I'm going after them for breach of contract and bad faith.... We have called every insurance company to get homeowners insurance and no one will insure us because State Farm has coded it as we were at fault!!!! Bunch of frauds!!!!
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5 comments
Guest

You need to understand a couple of very basic things about how insurance works. It has nothing to do with "coding". Your agent is telling you that because she doesn't want to fight a losing battle. When you file an insurance claim, regardless if it's your fault, someone else's, the weather or whatever other reason, you are asking your insurance company to pay money out on your behalf. Too many claims, in too short of a time period will get you cancelled. The average number of claims that a company statistically expects on a homeowners/renters policy is approximately one every ten years. You've turned requests for payment over to your insurance company three times within ten months. You are posing an astronomical risk to your insurer. They KNOW you will not hesitate to call on them in the future and soon. You should have contacted your neighbor and asked them to file a claim on your behalf for the liability they owe you, under their policy. After the first time, you should have taken them to small claims court.

Second, an adjuster has NOTHING to do with an underwriting decision. The company makes those decisions based on risk and your adjuster has no control over that. When he stated you would not be cancelled, it was his opinion, not fact. You should be talking to your agent about non-renewal, not your adjuster. Adjusters pay claims. They don't evaluate risk. They aren't underwriters or agents.

Lastly, your neighbor just hasn't come up for renewal yet. You'd better believe their time is coming for cancellation. Your renewal came before theirs. That's the only reason you've seen the non-renewal and they haven't.

When shopping for another insurer, you will be rated as high risk and may find it difficult to find other insurance. Until all three claims are completely subrogated (which can take years), you will have three claims on your record (regardless of the reasons for the claims). All insurers will view you the same way.

Guest
reply icon Replying to comment of Guest-657071

Thanks for your reply,

It was over 2.5 years ago that all this happened so I will tell you what the end result was.

A 100 gallon fish tank exploded on our 100 year old wood beam beautiful ceiling and pillars (2000 sq ft loft) causing water stains everywhere and the smell- horrendous (the other 2 claims: the above neighbors, didn't have their laundry hose properly in the wall- so we got wash and rinse cycle of gallons upon gallons of dirty laundry water all in our walls and ceilings- cubbard-closets-carpet-wood floors)

We had just spent 40k remodeling our loft when all this happened

Back to the Fish Tank Explosion :

The water damage done to our loft was so extensive $50,000 ( to be exact- and we only had $36,500 of insurance on our loft for structural damage, the Association carried a separate insurance policy (owners paid for this on their money dues) on the building for "structural damages". State Farm only paid us the $36,500 that we were insured for but State farm would not go after our neighbors/ on our behalf for the rest of the money owed to us to get our loft fixed, and we learned SF was dropping us and going after our Association for the $$$ that they paid us!!!

But before SF would cut us the check for the $36,500 we had to show proof we were getting the damages fixed. Knowing we could not get insurance from another company.....we borrowed 100k from my parents, took out 150k loan from our 401k and paid off our loft ... In order to get that $36,500 check from State Farm free and clear. We took a-sweet *** 10 day- over the water bungalow-trip to Bora Bora at the 4 Seasons resort.

BEAUTIFUL! Came home sold our loft- paid back my parents and our 401k loans from the sale of the loft. We moved out of that state and bought a house in another state from the spare money we made from the sale of our loft on a 1000 acre lake. We got a Mom and Pop local home owners insurance company-no problem.

My parents and Best friend dropped State Farm too. I understand what you are saying about the claims being made but I am not causing the water to be dropped down on my home and my belonging ... So how am I at fault? I really should have just got an attorney and sued State Farm and my neighbors.

I swear no one is accountable for their actions anymore. I tell as many people as I can to get rid of these Big Box Insurance Companies.

Guest
reply icon Replying to comment of Guest-1110336

Your insurer paid you the maximum allowed under your policy. There's absolutely nothing else they nor any other insurer could have done for you.

That's the way the law works. The limits are the limits. Replacement costs are paid upon replacement. Again, same situation with every insurer.

Your company went after the condo association to recoup your loss, your neighbor's loss and the insurer's loss. That was the next resort. A lawsuit would have benefitted you against your neighbor if they had enough assets to pay you with. You would have lost against your insurer.

There was nothing left to pay you. Your policy limits had been reached. As for those "big box companies". They're the ones who are able to keep their promises.

Check out what happened after Hurricane Andrew.

So many insurer's went under and left their policyholders holding the bag with no way to collect. It's all fine and dandy until you and all your friends and family need services, at the same time, from a broke company.

Guest
reply icon Replying to comment of Guest-1110510

My neighbors Who caused all my damage also had State Farm- I thought you would have figured that out since you obviously know so much about how insurance works. State Farm isn't going to sue themselves.

If my neighbors had AllState instead- State Farm would have went after them for the $36500 and not my Association. SF went after my Association to recoup what "they" had paid me-not for anything more on " my behalf" for my 20k left in damages so that I could get my loft fixed. Besides a crack in someone's fish tank has NOTHING to do with the integrity or the "structure of a building" ( bricks, construction, electrical, loose beams etc) under which The Association Dues/insurance covered "The Building". The neighbor CAUSED the damage.

The building did not.

You must work for an insurance company- anything to get out of payment

Guest
reply icon Replying to comment of Guest-1110510

Yes, an insurance company can and will file against another policy that represents the same company. How do you expect two cars colliding, insured with the same company, are able to each have their claim paid.

Keep in mind, they will only file in a liability case when negligence can be proven and is undeniable. Clearly, there was additional information that you are not privy to which is why the association policy would have been involved. Commercial insurance works differently that personal insurance. The association policy must have had available coverage determined or it would not have been involved.

Your company did what they could and of course, they were attempting to recoup their losses along with yours. That's what takes place in these cases. It's called subrogation. You should have gone after whomever you believed was negligent.

If negligence could not have been proven, you would go after the association next. (They are ALWAYS responsible as the front line when structual building damage is involved). Your company is obligated, by contractual agreement to defend you and they did just that to the length they are allowed. You're angry for the wrong reasons.

It's obvious you don't understand the ins and outs of insurance claims and contracts. You're basing your judgement and rants on what you believe should have happened rather that what the law and contracts require happens.

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Anonymous
map-marker Charlotte, North Carolina

Claims will cause non-renewal, why buy insurance

Returned home from vacation to a stinking puddle of melted food in the fridge. Since my car died the next day, a guy at AAA informed me we had a power outage while we were gone.

We were told that the loss was covered, but basically as a customer with less than one year with the agency, I would not be renewed if I filed a claim. So basically I am not insured for the first year. Too bad for me that I can't time unfortunate events properly. So hundreds for renters insurance, and hundreds for spoiled food.

State Farm is not a good neighbor; I am "moving" my insurance to a better neighborhood come renewal time. In addition, I had to call 3 times, and eventually get a call back-4 days total wait for this lousy answer-and I didn't send the trash to be disposed of, and am stuck with it.

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Loss:
$500
7 comments
Guest

State Farm has been threatening their customers on a regular basis since 2008. I have everything with them, 4 autos, my home, two rental properties, personal umberella, and personal articles policy.

I pay them a little over ten thousand a year in premiums, but I have been told since I had a flood claim in 2008 that if I claimed the flood from this year 2013 that I would be dropped.

What kind of insurance is this?? YOu pay in but can't file a claim if something happens or they will drop you.

Guest
reply icon Replying to comment of Guest-641377

Seriously? What you call a threat, I would call advice.

They are warning you and allowing you to take the opportunity to think about which claims are truly worth submitting. Statiscally, homeowners have one claim every 10 years. If you wish to involve the insurance company twice in 5 years, I'd say you have a wonderful agent who is letting you know exactly what will happen. Insurance is there to keep you out of a financial catastrophy.

It's not meant as a maintenance policy. If your agent gave you this advice, you have an excellent agent who cares about you.

Guest
reply icon Replying to comment of Guest-641609

statefarm insurance agent should not reply to the pissed off message board... you should direct y our loyal customer service to the "customer" before they become a "pissed off customer " just a suggestion.

Guest
reply icon Replying to comment of Guest-641625

Interested in why you assume customers, along with the general public, angry or otherwise, don't need to be educated? It's quite possible that more information could help them in their time of distress or before the fact. Many read these boards and without educated responses, they too, are only assuming.

Guest
reply icon Replying to comment of Guest-641609

If that is how it works, I should be able to read it in the insurance policy.

Guest

Don't know who told you that, but you are insured and they won't cancel you. Talk to your agent directly.

Take pictures of the garbage and damage and then get rid of it.

Instead of wasting your time on this forum, use the time to get your claim settled.

I have had State Farm for years and no problem. In fact they have always promptly paid any claim.

Guest
reply icon Replying to comment of Guest-634977

having worked for the company in the past, I can assure you that you can have your insurance cancelled, whether or not you will is a decision for the underwriters. as for the claim, depending on the deductible, it's likely not worth it to have this claim on record for the small amount that would be paid out... I wouldn't claim for it and I have never had a claim in 25 years being insured

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Aiyanah Anu

Lie, cheat and steal

So I met with my new agent, Chauncey Charlson, and to make a long story short, he withheld and probably purposely lied about information about mutual fund fees at fund opening and told me there were no other fees on my investment ever. This all occured after I was treated like a child by his supervisor, Molly, who clearly didn't understand that I don't understand mutual funds. When I asked Molly about fees coming off the earnings of the fund, she told me yes. Much to my surprise, I learned after the fact that Molly didn't give correct information, Chauncey witholds/lies/and/or doesn't know the information and here I am bring taken advantage of so he can pad his paycheck. I called the toll-free number and was given correct information and encouraged to put my complaints in writing, which I did and got a new agent.Oh, stay away from opening new policies with Chauncey too. I asked him to open a umbrella policy on Dec. 6. On Jan 3 when I hadn't heard anything about it, I asked him and he told me that department gets backed up at the end of the year. My umbrella policy didn't go into effect until Jan 5. I again called HQ and learned Chauncey did not input my info for this policy until Jan 5. It's not an end-of-year department backlog, it's a cowardly agent who won't own up to his mistakes.
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Anonymous
map-marker Santa Rosa, California

Lying cheating SOB's

I was in an auto accident that was not my fault. There was an injury to my back which State Farm, based on two medical visits 9 years prior to the accident (and none since) claimed was a pre-existing condition. They dragged their feet and played their games to avoid paying my medical bills until it was too late for me to get a settlement from the other insurance company. I went to small claims court and did get $7,500. Now State Farm is after me for that money to pay them back for what medical they did pay for. I am out of pocket $10,000 and counting. BTW, they were found guilty on a fraud charge in April 2013 re Katrina claims.
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Loss:
$10000
Anonymous
map-marker San Antonio, Texas

Service Charges

State Farm charges a $3.00 service charge for quarterly paid payments.

If you go paperless they still charge the fee.

If they have 4 million customers paying this way, that's 12 million dollars a quarter extra revenue for them.

I say that's the cost of doing business. Give us a break, why do these companies use these tactics to increase their bottom line at our expense.

These charges are used on all their payment plans and generate millions of extra dollars with no break for the consumer. They should be glad to have our business and eliminate these excessive charges.

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10 comments
Guest

it costs them more processing time

Guest

their already too rich.

Guest

This post is old as dirt but it's so *** that statefarm charges a 3.00 service fee any time they "service your account" i.e. I move from Brentwood to Glendale and boom my account is hit with 3 easy payments 19.16 plus the 3.00 service fee for each month of the 19.16 charge. I understand they think the new area is probably more crime infested ( had a locked trek madone and a gated motorcycle stolen in Brentwood) but I have yet to see.

Guest

Maybe they should charge you a finance charge for providing you coverage, up front and allowing you to pay for that up front coverage 3 months later (quarterly)? Would that make you happier?

Geez! Insurance company gives you free financing and you're complaining about a billing charge. Those people who prepare and process your bills don't work for free!

Here's an idea...pay your entire bill up front when you get the coverage and there will be NO billing charges. How about that for a solution???

Guest

Just noticed a charge of $24.95 X 3 on my bank account from where i dropped off three payments for three of my vehicles. All policies were in good standing.

I don't understand these charges.

Charge reads "automated paid fee". Any ideas??

Guest

I tried to use my credit card and I got a service charge of 5 dollars and called the agent and he said it is because I am using a credit card for automatic payments.So, he advised, If I use a personal check or auto draft with checking account, they would to charge. Now I have set up Bill pay and I am still billed 5 dollars service charge.

I called the agent and he says now, it is the cost of billing.This is the worst company to deal with. I can not trust them any more.

Guest

Why should the customer have to pay for the administration fees? Should we pay for the new fax machine, the new copier and the new computer as well?

Don't push their own expenses at the customer.

I want to pay what it cost to insure me and that's it. My bill should not include anything else.

Guest

I agree with Insurance Gal.. at least there is no late fees and other fees that other insurance companies charge... :roll

TC

Guest

Those service fees cover administration fees. Have you ever looked at your phone bill and asked yourself, what is a "Miscellaneous Fee" and federal taxes, state taxes, network fees?

Yet nobody complains about those?....$1.00 is too send you the bill, $1.00 to process the payment, and $1.00 to complete the premium collection each month. How many co can tell you exactly where your money is going? If you go paperless, it reduces to $2.00. If you get on monthly and choose Recurring Monthly, it goes down to $1.00 service fee a month.

If we hid the service fee from you and just included it within your premium, would that make you feel better? Or more cheated?

Guest
reply icon Replying to comment of Guest-365465

I would feel better. I feel cheated that they charge that in the first place b/c insurance is so high anyway! And I do complain about Miscellaneous Fee on my phone bill.

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Nicolette Iml
map-marker San Francisco, California

Retiree health ins. chaned mid year 2nd deductible!

We, retired State Farm employees were always "teased" with the promise of always having health ins even after we retire-but now they are cancelling our group plan after a 1 1/2year suspension of the change because of such uproar& doing mid year so now we have 2. TWO deductibles for 2013! What a joke, now I know how the Viet Nam vets felt coming home unappreciated. Thank God they are changing our pension plan. let's hope they don't touch that or we might as well go on welfare. I wonder how these people that made the changes to save State Farm money will feel when it's their turn to retire, maybe worse changes. Karma is ***.
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Loss:
$1500
Anonymous
map-marker New York, New York

No service from State Farms

Complaint Description:

My Home was burglarized and State farms is not willing to pay the claim. My home was burglarized during the time I was out of my house and my future ex-wife was living in the home.

During this time my person property was stolen from my home. I filled out a police report and submitted my claim to State Farms claim # 3017Q4221. When I went to court and I thought my ex-wife might have been the person who took them she stated under oath under advisement of the Judge DeMarco to state weather she took the items and she swore she did not. At that moment Judge Demarco stated to me to put in a claim since Mrs Megaro did not take the Items.

At this point State farms has the audio of Mrs Megaro stating under oath that she did not take the items in question. At this point its up to State Farms to either pay my claim or question Mrs Megaro more about the claim. I am the client that has paid my premiums and now the Insurance company is denying the claim. By the way I am a Licensed P&C, Life , Health, Series 6 and 63 agent and by State farms Denying my claim this could indicate me putting in a false claim which I would not do as a licensed NJ broker.

I would hope that you would instruct State Farms to either find my items and who took them or pay my claim since she stated UNER OATH IN FRONT OF JUDGE DEMARCO. Feel Fee to contact me Michael Megaro 973-615-****. Montville NJ Police dept has my police report and a list of all my missing items.

The Agent incharged of this is Denise Powell 610-358-****. This has been going on since Feb 1,2013

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Loss:
$37000
Anonymous
map-marker Jackson, Mississippi

Lack of Good Faith

I had liability with uninsured motorist. I was recently in a 2 car accident. She said she had a green light. I know without a doubt I had a green light. State Farm told me it was my word against the other driver. I have been driving for approximately 35 yrs., and have an excellent driving record. The other driver turned in false insurance information. She had no insurance. She also caused my car to go into a spin, which I was told means she had to be driving well over the 35 mph limit in that area. State Farm still insisted no payout for me, since I am unable to prove I had a green light. The adjuster assured me the other driver was insured with Nationwide, but Nationwide told me the other driver was not with them and has never been a customer with them. The adjuster's name was Allison in Georgia. She sometimes had my claim information mixed up with another claim, gave me the run around or outright lied to me at times. I will never use State Farm again. Not only was the adjuster a joke, but my local agent, Chris Irby, never contacted me to discuss this claim with me or to see how I was. They just want your money.
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1 comment
Guest

Wow, I thought my local reps were the only ones who took the word of a customer of another insurance agency over their own customer!!! My state farm reps said the exact same thing....then stuttered for a bit when I told them I had 3 witnesses who had been standing in the parking lot when my accident occurred.

Seems they don't want to get the statements from the witnesses either. Guess that just means state farm likes to screw the people that pay their salaries!

John N Pzd
map-marker Chicago, Illinois

State Farm is the worst company

I have been a customer for over 6 yrs, have home and auto coverage 2 drivers with 5 cars. 1 car is a restore muscle car that is setup well.

It was insured when my father owned it for declared value, when I bought it from him , which he had State Farm as well, I told them to make the policy the same as he had it. As nothing was changed since he owned it. After dealing with them and paying for coverage for this car, every statement I got said value was 2200, where in the *** can you find a frame off restored 69 chevelle for 2200. They took pictures and submitted forms 2 times.

The last time I told them I will pay when I get a new statement for the declared value that it was suppose to be. Never heard or seen anything for over 2 months. Called agent was told the girl handling it was on maternity leave and they are denying covering the vehicle because of the horsepower upgrades. They told me if I would have paid the statement that I got 2 months prior that they told me not to worry about 2 months prior they would have covered it for the 2200 for the next 6 months then they would have dropped the car.

So it's nice to know they don't even let you know that your vehicle is not covered.

No notice only was told. It fell through the cracks and with the lady on leave that might have affected it as we'll.

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Loss:
$13000
Anonymous
map-marker East Palestine, Ohio

Renters insurance - beware

We had tenants in a house in Susquehanna PA 18847 and they turned out to be lowlife, Weicherts assured us they were good people. We had statefarm renters insurance turns out although we paid it we were covered for nothing. The *** broke 21 windows, punched holes in walls, pulled off storm doors, damaged bathroom fittings, then they returned to try and steal copper pipes. The field agent said he was busy on his holidays to get to the property, but, May 25th he assessed the property as to having too many broken windows to be covered by the company, he was to visit the property on June 3rd. I phoned to ask him the results of his visit and after four calls to his cell nothing. I phoned a help line number and a rude field agent finally answered, he was rude his supervisor was worse. Whats the slogan like a good neighbor, total garbage, we are now moving from State Farm to a better company so they lose the business on two houses a truck and a car and contents. No one cares I was supposed to get a call back within two working days guess what it never happened. Insult to injury the field rep cobbled a letter saying he had a cordial conversation with ME , and explained why he arrived at his decision, total garbage. He said the realtor there to let him in agreed with his comments, more lies. NEVER EVER choose state farm for renters insurance you will be covered for nothing.
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Loss:
$7000
2 comments
Guest

Am I understanding this right? You make it sound like you were paying renter's insurance for your tenents.

Why would any landlord do that? Something is wrong with your story. I can see where you would have had property insurance on your property, but not renter's insurance.

That is what the tenant has to pay for damage in case of a fire, etc. and also to protect their personal propery.

Guest
reply icon Replying to comment of Guest-662861

A lot of landlords build that into the cost of doing business. It would be wise for a landlord to spell out their limit on liability and claim information.

I know lawyers love it and recommend it because it makes their job easier and insurance companies love it because they get to sell you something else. Individual renters insurance is nothing but shift in responsibility. Most leases and contracts are loaded with 'we not liable and responsible clauses' which in many cases shouldn't even be legal.

How can the property OWNER not be responsible. If a tenant in apt b has a fire which started in the apt d how is that not the fault of property owner who should have things like firewalls, sprinklers, smoke detecters etc.

Renters insurance is a contrivation of the insurance and real estate industry to increase their profits. The latest is slip and fall insurance for incidents on apartment property. How is maintenance of an apartment's sidewalks and parking lot not the responsibility of the owner.

Also the poster fell into a common real estate scam of taking their recommendation because they frequently recommend friends, family, those they have taken kickbacks from or a recognizable name they ASSumed would be good call.

The real estate agent is not your friend. They might do something for the buyer and customer to expedite the sale but the real estate agent-customer relationship should be viewed as a used car lot transaction.

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Anonymous
map-marker Cleveland, Georgia

WORST CUSTOMER SERVICE BY ANNA ORTIZ

ANNA ORTIZ has been my "claim representative" and let me just say she is one of the worst and the most discriminating person I could have ever dealt with. She only returns calls when she wants and calls when she wants. One week she says one thing and the next she says another and to put the cherry on top she acts like she doesn't undrstand what your saying, my question is WHY THE *** ARE YOU WORKING FOR THIS COMPANY? Thought this process should be quick and easy but I was soo wrong, she has just made it a living ***. Its been a month going on two and I still don't have my vehicle and it was her clients fault, its not my *** fault o client thinks that driving in front of others is okay. She is one of the most unprofessional person and sate farms can thank her for loosing me as a customer, I want nothing to do with State Farm, just to think about the situation makes my head hurt. I have no idea why we as customers pay state farms if they do absolutley nothing, guess they have no rush as long as there *** have a car to get to work and home everyone else can wait......
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Anonymous
map-marker San Francisco, California

Xxxxx

After checking again with the company that is handling the health insurance changes for the retirees about having a second deductible for 2013,I am now told that there is not a second 2013 deductible on our new health insurance policy we have to obtain when they take away our retiree health insurance May 31, 2013, as I was told before!? I sure hope this info is correct this time as it caused much stress! It was bad enough that they are cancelling it mid year It still stings as it is always better to part of a group medical plan than going out on one's own.
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Anonymous
map-marker Little Rock, Arkansas

Wont settle claim when rear ended

We were visiting in Arkansas and were rear ended by one of Arkansas' State Senators. We were stopped behind four other vehicles at a stop light we the Senator plowed into us. He did not even apply the brakes. He said it was his fault, which it was. He is 100% at fault. It has been almost two years and State Farm still does not want to settle. Their initial offer does not even cover our medical bills where our son was injured in the crash. The car was totaled. They do not care about settling claims. They do not even settle for their own customers. They are just a big money grubbing company that only thinks about themselves and not people who their customers have hurt.
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Loss:
$18000
1 comment
Guest

Sounds like my issue. Rear ended almost two years ago, have had cervical discectomy and shoulder surgery and repair.

Still suffering with neck and bulging discs in my lumbar. The offer they submitted this past Thursday was for $20K, which is too cover my pain and suffering and the next 34 "possible" years of lost wages till I retire. What a load of disrespect and inconsiderate responses. I am unable to work and they are so ready to take your money for over 25 years, but when you need them to cover what your paid policy states.....

NOPE, not gonna happen. Going to court.

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