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layla of Saint Helena, CA December 29, 2009

In the United States of America: The Game: Our daughter was hit by a car, thrown on the roof of the car, driven down the road and dumped in the street while the car kept driving on. She was 12 years old. We knew we had insurance, to help her and the whole family through this most difficult time. We did ... but the insurance company would make us fight for every penny. We fought for 14 years...won...lost...won... and in the end... lost.

Here's the problem. Insurance companies are NOT required to disclose whether their personal umbrella excess liability policies apply to the uninsured motorists portion of a policy. If the umbrella policy is not linked to the uninsured motorist the insurance company should advise the customer that they may go outside the insurance company to purchase such a policy that is linked to the in insure motorist portion. Such Umbrella policies can be issued on a stand aline basis under current California law. AN INSURANCE COMPANY DOES NOT HAVE A LEGAL NOR MORAL OBLIGATION TO ADVISE CUSTOMERS of SUCH A LARGE GAP in their families coverage leaving customers exposed to tremendous loss to their loved ones.

We thought we were covered, we were told so, we paid our claims, we called several times through out the years. We were reassured in fact we were covered. Then the accident... and suddenly.... we are not fully covered! The cover up starts. This is where most people give up and give in. They have no choice and they know if they fight, they can never win.

That's the game. Wear them down, wear them down. Include many loopholes to protect "the money" and paint a story that will not only be legal and believable but it will create doubt to the person who originally got the insurance in the first place! Wear them down, wear them down...that's the game.

After a brain injury and 7 years of working hard to get her brain to function normally, such depression, chronic neck pain, back pain. Our beautiful girl healed as much as she will ever heal. She still needs medication, still has chronic back pain, still intense neck pain. And yet the insurance company decided, (instead of paying us what they thought our policy amount was)...to make us an offer.

Ok....your policy is 250,000. We will pay you 6,000. Do I hear 7,000? How about 7,500?? The full amount was not given without a fight...a twelve year fight that included lawyers, judges, law firms and multiple hours of work on everyone's part. Wear them down, wear them down....that's the game.

In America, insurance companies are legal criminals. They are allowed to lie, cheat and steal. The lawyers for the insurance company stated in a court of law that my husband and I actually convinced our daughter that she had a brain injury and that we took her to the doctor TO convince her that she had an injury! Can you imagine! LIE. They paid a doctor on the stand in a court of law to change his MEDICAL diagnosis submitted at the time of the accident. The doctor, (bribed with money by the insurance company) changed his medical opinion and in fact said that being struck by a car to a little girl's 85 pound body would produce no greater injury than when one falls off a bike. LIE, LIE!

After all the lies, we prove in court....she had injuries. That took TWELVE YEARS! Wear them down, wear them down. We are awarded 1.4 million dollars in damages. The insurance company appeals. Back to nothing. Now it becomes a contest...who is lying. Did my husband get this insurance with his agent many years ago prior to the accident or did the agent give the policy to me his wife who was not even in the room. Was my husband sane or was he as they said...incompassitated-? Lie! Lie! The game now has changed and the evil company will twist and turn to get what they want ...the money!

Next comes the jury. We will be tried by our peers in a court of law. HA! The system is a joke in every sense of the word. Thirty people are called to duty. Half of them raise their hands when asked by the judge if they have had trouble with their insurance company. They were all eliminated. Then, you are left with the ones who are sick, can't stay still for an hour, can't miss work, do not have a babysitter, are mental incompassitated and generally DO NOT WANT TO BE THERE for 4 days.

We were left with 6 jurors that were frankly not bright enough to understand insurance laws, the full story of our 14 years fight, and loved the soap opera drama that the insurance company presented to them. The kind that is seen all too often on reality tv today. Even though it was as far from the truth as possibly imaginable. Riddled with misconceptions, make believe stories, tricks to make you say things that are not what you wanted to say. All to substantiate their lies and out and out outrageous claims that were simply SO FAR from the truth that I had to wonder how did we get to these facts.

How did the game get so twisted. In a court of law, where was the truth, honesty, integrity that are to be the foundation of our system, I found just the opposite was true. It was horrific to watch. It left me feeling sick to my stomach.

You see all of us THINK we are insured we think we are safe and protected. The insurance companies will take our money but if something happens to us, not only will they never give you the money promised, they will Offer you a small amount to make you go away, they will lie, cheat and steal, they will wear you down, they will find every loophole possible and use it, they will twist the real truth, they will spend more money to break you down that it would have taken to pay the claim. They will find the most despicable people to represent them. As ugly on the outside as they are on the inside and they will stop at nothing to make sure you get nothing.

What kind of a country do we live in where insurance companies can get away with their lies and CRIMINAL activities. Where is the justice for the victims and their families. If we as a family did not have money to help our daughter and to pay out of pocket millions of dollars for her care, she would be dead. What kind of country do we live in where justice will be determined by criminal companies, by a jury that doesn't want to be there and can't understand difficult issues and laws, with a judge that sleeps while the trial is going on, a jury that sleeps when important information is being presented and an insurance company that plays their evil games to win.

For them it is a game. How long can we keep the money, how hard will they fight for the policy they bought. How much can they endure. When will they break. Wear them down , wear them down. This is the game in The Unites Sates of America.

Judy of Akron, MI December 16, 2009

Sent Aflac Claims to this address and it got sent back in a different envelope not the original. They had to open the original envelope to get my address becuase i dont deal with AllState for my insurance purposes. On the back of the envelope that allstate sent me it had said that Aflac no longer occupies this unit. They got my personal information that was not given to them.

elizabeth of goldsboro, NC December 11, 2009

i had a windstar minivan and the other a 1999 4 door nissan maxima gxe. i took my policy off my nissan because it had technical problems and i could not drive it so it sat in front of my home for about a month and a half. on nov 3rd 2009 i returned the windstar to the dealership and had the nissan fixed.

that same day on nov 3rd 2009 i went to allstate and told them to transfer my policy over to the nissan maxima and cancel the policy on the windstar. i was told that before they could honor my request i had to pay up the 120 balance i owed on the windstar and i did. i was told by melissa the transfer was done but because they were having trouble with the computer it was not letting her see it and she could not print me a statement but i could come back in a few days and pick up my paper work if not then it would be mailed to me anyway.

about 3 weeks went by and i did not recieve any paper work. instead i recieved a bill for the windstar for 120 so i went to allstate office and was told the transfer was still not showing up but not to worry because i was covered for the nissan. i then asked if i had the same full coverage like i had on the windstar and again was told it wasn't showing up but i didn't have to worry because even though it was not showing up on the computer i was still covered on the nissan.

on dec 1st i received an automated call stating if i did not pay my bill for the windstar my policy would be terminated. so i went back to allstate and asked melissa what was going on. then melissa looked on the computer and said she could not find any record of the transfer. i was very upset and told them to fix it because this meant i was driving without knowledge for a whole month with out any coverage on my car. melissa without an apology printed a replace and remove reciept for me and told me to just pay the 120 and the adjustment would be made at a later date.

i refused to pay for a month that i was not covered for and was still very upset that i was driving around all that time uninsured. I was told if i did not pay my policy would be terminated with allstate so reluctantly i paid 120 and now i am being told if i don't pay 168.97 i will be terminated.

i am at a loss and i know i am being taken advantage of. please help me. i need my insurance and because i am a fairly new driver i cannot afford the prices of other insurance companies. i cannot do christmas for my children this year because of all these rediculous payments i have made and still have to make to allstate. my family is on a fixed income and i can barely live off of what i have. i saved up for a whole year to give my children a decent christmas and now they will have none.

i have been so depressed and all i do is cry because i do not know how to tell my children they will not be getting anything this year. they will not understand because they are too young. if someone else can benefit from this complaint then my family's suffering is not in vain. this should not happen to anyone. it is not fair and because it was done right before christmas makes it that much more cruel.

Laurie of Salt Lake City, UT December 11, 2009

On March 11, 2009 my daughter was driving my car and was sideswiped by a driver who carried Allstate Insurance. He entered the left turn lane early (I have proof of this from both Allstate and the police report)and then went over the double yellow lines and hit her, causing her to hit another car. The claims adjustor at Allstate, Darcie A, continued to lie and twist issues around, therefore, after several months I decided to take them to small claims court.

When it was my turn to speak in court, the attorney, Richard G allowed me to present nearly the entire case in front of the judge, and then suddenly interrupted, pulling a copy of a case out of his backpack (he did not have a briefcase). He had pulled this case up off of Reuters from the internet. The case was dated Nov. 14, 2008 and Mr. G handed both the judge and I a copy of this case pulled up from Westlaw.com. He had highlighted page 4, paragraph 2 which in a less complicated version stated that I needed to sue the person that hit her first, and that if that wasn't successful, then I could sue Allstate insurance. I cannot find any laws or codes that say this in Utah, but I have yet to go to the law library. But I cannot get the Utah Bar to email me back regarding this (I emailed the associate director). I feel as though something is not correct in the way that Mr. G behaved and I would like some correct answers, as well as to know how I can get my 4018.00 from Allstate so that I can fix my car.

Katherine of Buffalo, NY December 10, 2009

On June 19,2009 Elizabeth was parked on the right hand side of the street my son was driving down the st. she just pulled in front of him to get in her driveway, he called me right away I was there before anyone there was a big black mark my son has a CDL I do not just let any one drive my car now alstate refused to pay because her friend that lives across the street cane to her resucer he told me to go a way,,,,,This is so out of control it will be the last time that I deal with alstate I know have the smached up car in my yard with a gas leak. Alstate has my home owner, but not my insurance..I'm so tried of alstate not paying on there claims.

Robert of Lumberton, TX December 8, 2009

I was involved in an accident on 10/15/09 where an Allstate policy holder was at fault, admitted fault, and was ticketed. Allstate took until 12/02/09 to claim liability. An Allstate adjuster and the body shop/tow truck owner have conspired to put junkyard parts and previously damaged wheels that have been patched-up on my new 2009 Titan Truck that has 14810 miles on it. The tow truck operator/body shop owner has changed his story.

In Texas there are certain requirements that parts must meet to be put on a vehicle that is being repaired at the expense of an ins. co. The safety, appearance, etc. The value must be the same also. If it is not the insurance company must make up the difference with "repair diminished value". Allstate and other Insurance companies keep all of the diminished values responsibility as much a secret as possible. My friend lost 6000 in the value of his car because he was not knowledgeable of a Carfax report ruining his trade-in value. Allstate Is adamant about putting these patched-up wheels on my truck thinking that that they will not have to cover the difference with repair diminished value. They have informed me that THEY will evaluate the diminished value after repair is complete. What a concept.

Do you see that they are claiming to have authority to determine how much they are to pay for a product, much like one going to the cashier at the grocery store with their basket full of items and paying an amount of money that suits oneself explaining that "I have found the value of these products to be the same as the coins I have here". I do not recommend trying such; It is called a crime unless you sponsor a college bowl game. We pay more for insurance company lobbyist and TV commercials that what is spent on claims but that is another story.

So Allstate refuses to pay for wheels like the ones that were on my truck prior to the accident. No repairs have been done because I must sign off on an incomplete and inadequate repair estimate that the Allstate adjuster and the body shop guy have canonized.

Ok, now I have this shop owner that is supposed to be working for me, but he is bed with the insurance company, like politicians and the mafia. He has charged and Allstate is happily paying nearly 3000 before the first repair is made! He will allow me to tow my truck away from his shop if I will give him an additional payment in the neighborhood of 1000. Then I will be able to take my truck somewhere to get the repair done. There is well over 15000 in damage Allstate wants me to take there offer of 12600 yet they are going to pay bubba 630.75 to tow my truck 1.5 miles, one point five! I was present.

There was no extra work involved in picking the truck-up. Just the standard wrecker, not a rollback. Just the kind that is seen on TV repossessing cars. On 11/06/09 Allstate said that if I would not sign the same repair estimate from day one they would take my rental from me. I returned the rental and attempted to take possession of my truck the body shop guy suddenly feared that Allstate would not pay and refused to release my truck.

Now Allstate has paid him through 11/15/09 and he still refuses to release my truck. Allstate paid him 9 days beyond the day he refused to release my truck. Yet Allstate will not cover the rental for the required time they are responsible for nor will they agree to repair my truck to the quality I am due.

I cannot discuss the personal injury claim because it is separate from the property damage claim. This has been one of the most stressful times of my life mainly because of the cruel treatment from Allstate employees. I have a new truck pre-accident value 30k that bubba is trying to take possession of for the cost of paying his cousin "bubba" to tow for 1.5 miles. Meanwhile I am still making payments and paying for insurance on a wrecked truck that bubba is charging 30 a day to park on his piece of dirt. That is 900 a month for an 8X20 piece of dirt.

layla of saint Helena, CA December 4, 2009

Before you buy any insurance with ALLSTATE ask someone that has had one claim and they will tell you what criminals, thieves and liars they are. They hire sleazy lawyers to defend their unethical practices and they will stop at nothing to make sure you get nothing of what they promise you if you have an accident. Look on the web site to see all the unhappy people. When you by an allstate policy, you are buying cheap paper and nothing more.

Our daughter was in a major accident. Too lengthy to describe. We fought for 13 years and ALLSTATE lied, cheated and did everything they could to make sure she had nothing. They even took our policy we had away and said we never had it. Tell EVERYONE. You are in criminal hands with allstate!

GEORGIA of SUNLAND, CA December 3, 2009

In the year end 2008, my son and husbands insurance lapsed. I received a refund check from Allstate. I spoke with their insurance agent at the time Raffi B. I told him I received the refund and would like to either reinstate the policies or start new policies. He told me to come in, and I did in the beginning of 2009 (January/February). After the initial meeting and presenting him with the check in the amount of approximately 402.oo, I never received a bill, invoice, insurance cards, etc...I called faithfully every month and he always responded, "let me check", "everything is ok". I was and still am dealing with my mother who is terminally ill, so I did not pursue this, as fervently as, I should have. I asked several times how could it be ok?

I haven't made any payments, and I haven't received anything from Allstate or him. In June or July of 2009 my husband received a notice from the DMV stating he was facing suspension because he did not have insurance on his vehicle. This was at the same time my husband was supposed to renew registration for his vehicle. I contacted Raffi again. Told him the about the notice. Raffi said, “don’t worry; I will take care of this." I just need to fax the insurance info to the DMV." My husband went to the DMV in Newhall and could not renew the registration because they did not receive the insurance information.

Again I called Raffi. I told him this time my husband will pick up the paper work and take it to the DMV himself. My husband then incurred a charge of approx. 15.00, for reinstating the vehicle license. I called Raffi every month to 1 1/2 months to find out what was going on with insurance info.

Then on November 7th in the evening, my son was driving home, getting off the 210 FWY in Tujunga, CA, when he was run off by 2 vehicles that were racing. Causing damage to the front end of his Toyota Tacoma Truck. It was in excellent condition, prior to this incident. The Grill guard saved his life. The front end all the way to and including the radiator is pushed toward the front window. The sign he was forced to drive through, flipped and dented the cab of the truck, shattering the back window. Luckily it is mostly cosmetic. I took of the following Monday to talk to Raffi. He was not in until the afternoon.

When I finally spoke with him on Monday, Nov 9th, I explained the situation. Raffi stated he would research insurance info on his side and call me back by the end of that business day. Needless to say, I had to call him every day; finally he answered his phone on Thursday, Nov 12th. I asked him what was going on? Why didn't he call back? He said, "He looked at the policy and I hadn't made any payments for quite some time." I said, "I know this, if you remember, I called every month to 1 1/2 asking about our policy." Raffi simply stated, "Sorry, my son does not have any coverage and the only way to fix the truck would to be, to pay all the back insurance, plus the deductible." "Or he could simply return the funds that I had given him that he never reinstated or started a new policy with." I was so outraged, I could not respond. I just hung up. Within the next 2 weeks, we received a refund from Allstate Insurance in the amount of 402.00. I will never trust Allstate Insurance again. I asked him, "If we never had insurance, how could you give my husband insurance paperwork to take to the DMV that allowed him to renew his registration?" There was no response from Raffi.

Jane of Huntsville, AL December 3, 2009

Allstate is not resolving my claim fairly. After towing the car to the repair center of Allstate's choice, the adjustor gave my cell phone number to the automobile repair place so that he could threaten to crush my car and charge me for storage if I did not settle it immediately.

Mark of Toms River, NJ December 1, 2009

On November 1, 2009 I was rear ended by an allstate insurured person, I have been trying to reach AllState to settle my claim # 01528441417 and have been getting a total run around, I have been without my car since November 1st-- the body shop has had it since November 16th, and it cannot be driven, the Allstate rep ( Robin)is was very rude and refused to provide me with her supervisers name

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