American Family Insurance - Auto

My car was rear-ended when I was at a read light by an uninsured motorist, on 01/10/12, but at the time, when I was unaware, there was no insurance when I received the driver's information. I then placed a claim with AFA claims the following day. I called and spoke with Patricia, who is very rude, and kept advising me for the next week that they are waiting on my paperwork, so no adjuster has been assigned, but believe me, they have my paperwork to receive my monthly payments. When I asked to speak with a live person, all you get is voicemail, and no one ever calls you back. After a week, I was assigned an adjuster named Eric. I left several messages, and it took him several days to call me. When he did call me, he was rude, and tried to deny my claim.

When I told him I have uninsured motorist coverage, he said, "oh, I didn't know you had that coverage. I will have to look into it and call you back". He also advised me that uninsured motorist coverage is not required by the state of CA, which it is, when you car is financed. So, at that time, I had an impression that he was trying to deny claims before looking into them and my coverage, and also he doesn't know what he is talking about. After this conversation, I left several messages over the next 5 days, with no callback. I then called and asked to speak with a live manager, and spoke with Patricia, who said that other adjusters are busy with their own claims. I told her I don't want an adjuster, and I want the claims manager.

She transferred me to claims manager Doug, who of course, I left 3 messages to, with no return call. I then called and asked to speak with Doug's manager, which I found out is Tim. I left a message, and of course, no callback. A week ago, Eric called and advised me that the lady who rear ended my car has insurance, and he placed a claim with her insurance company. The next day, I received a call from that insurance company, advising that the lady doesn't have insurance. This is something you would think my adjuster would have done, and looked into in the first place. She advised me she left a message for my adjuster, Eric, advising this.

I also left Eric 4 messages in the last week, and up until today, 01/31/12, I have never received a callback from them, and my brand new car has been sitting at an auto body shop since 01/11/12, with a bid that has been available since 01/12/12. The woman who rear ended my car, and the auto body shop hasn't been contacted by this company. I am a single mom. My job is 35 miles each way, and this is my only car. I am looking into the Fair Claims Settlement Act, because I do not believe they are in compliance. I have also placed a claim with the California Department Of Insurance against this company, as well as a complaint with the BBB. Furthermore, I will be looking for a lawyer, for legal assistance. This company is ripping off consumers, and clearly feel they can treat their paying customers however they like.

The town of Norcatur, KS suffered a large hail storm in July. We live in a small town of 150 people. Every home that was insured received hail damage claims. Everyone but **. After an adjuster with American Family said we had no roof damage, we contacted 3 other roofing companies and received quotes, which we sent to Kurt **, agent for American Family. They all 3 said we had damage. After we contacted Stan ** and also Kurt **, American Family agents, twice, we were told they would send another American Family adjuster to our home. To this date, we have not seen one. It is now too late to roof a house with freezing weather in the forecast.

We have had home insurance with American Family for 22 years. Just recently, my husband was disabled so we have been treated very unfairly by Kurt **. I think it is because my husband is disabled.

We have yet been contacted with another quote from Kurt ** and his American Family Insurance in Norton, KS.

We have been treated with complete disrespect!

Horrible agent services! I went through 2 agents hoping that the 2nd would be better than the 1st, no luck. I lost a customer because of them. I called in to get proof of my insurance; the agents never call you back. The office staff can't ever find my file. I think they got my money and never actually insured me. The agents are always either on vacation or to lunch. They are never in their offices. You do not get good customer service. All they care about it getting your money, then you can't get in touch with them after that.

I changed my auto insurance and ended up having American Family claiming I owed them for one month of auto insurance for a period of time. They sent me threatening letters and phone calls until I paid.

When my house changed title, I had 4 to 5 months of insurance left on the house and they have failed to pay me back on that policy. I sent them three notifications and got no reply. I see it to be approximately $650.00 that they failed to pay me back, including the $50 that they extorted out of me. I lost $650.00.

Two weeks went by with no luck in finding a car, and believe me that we looked in Nebraska, Wyoming and Colorado. Now on Wednesday of August 31, we were contacted by Gloria **. She said that we had until Friday (two days) to make a decision, or else the car will be taken on Tuesday, 6th of September. She repeatedly told me the car was owned by American Family when the claim was made, and we had to settle now. I have never talked to an unprofessional person in my life, who would not work with us on any account.

When I pointed out it was Labor Day weekend, and no paper work could be done, she said it didn't matter. I then went online to your chat room, and talked to an agent last night, who again said there is no time limit on deciding. There was no recourse for us, except to keep the car. Is it your policy to bully your clients into a decision? Second off, Gloria also contacted my bank without my written permission. I have talked to my banker, and he said that was not legal for her to get any information on my loan without my permission! Gloria is possibly the rudest person I have ever encountered!

I wanted to make sure you knew who is responsible for losing my house and car insurance. I know I'm just one little pea in your big can of soup, but if enough of us peas quit, you maybe, it will make a very small difference. I'm also going to make a complaint to the Better Business Bureau (BBB). Again, I know this will not make any difference to you, but it will at least make me feel better. We've been with American Family for 16 years, but no more! The claim number is **. That's all I am to you is, a claim number, but you know what, I'm a person too.

In June 2010, my vehicle was involved in an accident which resulted in AmFam totaling the vehicle. I thought all was good as I've carried GAP coverage from day one on the loan to ensure that in such event, the loan would be covered.

When I was first contacted by the appraiser/claim representative, he told me that they would leave an unpaid balance of almost $5,000.00! I mentioned to him that I have GAP and that should cover that balance, asking for confirmation. His reply was that GAP was "really only for leased vehicles, not for owned vehicles." Knowing this to be false, I didn't argue with him, thinking 'surely, they'll take care of this.'

Much to my surprise, they denied the GAP payment ultimately saying that there was unrelated prior damage that diminished the value of the vehicle. While I concur with this, my issue with AmFam is that they were aware of this but they continued to collect the GAP portion of my premium. Therefore, I believed I had GAP.

american family insurance is by far the worst insurance company i have delt with. month ago i had been rear ended on a highway in rush hour traffic by a guy who is insured through american family he claims i had backed into his vechicle which is total bs because there was nowhere for me to go. american family ins did not sent anybody out to inspect the damages and they stood by what their insured was claiming my opinion you asses the damages before anything else. this is still an ongoing battle i refuse to pay out of my own pocket for something i did not do.

American family insurance has been my company for many years, In April I hit a chair on the FWY in my 911 Porsche Carrera, the front bumper, Radiator, headlight needed to be replaced. I called American Familuy, paying my $1000 deductible to the shop they recommended. After receiving the car back, noticed the headlights did not match, the new headlight they ordered didn't match my headlight on the other side.

They said because one is new and one is older, my car looks horrible, as the light output at night is noticeably different, they refuse to make the headlights match & they said they are only responsible for the broken headlight that's it. I pay Porsche premium to get premium service, how can I drive around with headlights where the light output does not match, this looks bad and is not fair, American family does not care at all and will not help.

I bought a 2001 Honda Civic in August 2010 for $5,500. The car was in super condition and had many other upgrades done to it. 3 days after I bought the car and driving it home, I was side-swapped and sent into the guardrail. The other vehicle never stopped. From the shock, I refused the ambulance. I called in the claim. The first 20 days they were investigating, and then I got a call that I needed to transfer the title to my name before they could proceed, the title transfer was $410.

So then I drive them the title to their office. A week after I get a call from them, stating that it would cost $11,000 to fix the car back to normal. They offered me to settle for $3,256 minus $500 deductible leaving me at roughly $2,700. When I called Linda back and told her I am not agreeing with their settlement and I want to have my vehicle back in pre-accident condition, Linda became rude and disrespectful to me. I then asked to speak to her boss, she told me to hold and 3 seconds later she got back on the phone and said he was not available at the moment (I work customer service and I know how that works), I then asked her for his extension, name and voicemail.

At this point I am upset because it has been over 3 months and I still am being **. So after her boss finally called, I asked him kindly that I wish for a new adjuster and that I didn't wish to speak with Linda anymore to which he replied that he will take care of my claim. After I explained everything to him, he stated the same exact thing Linda has. After not hearing from them for a couple of weeks, I left a voicemail that it has been 4 months now and I am very unhappy with their service.

Brent called me back stating that if I wanted to I could hire a professional appraiser and they would do the same and whatever the two appraise it will be up to a judge to decide. At that point, I told them that I will not be spending any more money where it's not necessary. I left on Dec. 30th 2010 a voicemail to Brent that they have 2 weeks to bring me my car back in pre-accident condition. It is now Jan 2011 and I have not heard from them, I am wondering if I should sue for the full $11,000 to fix my car. I am sick and tired of American Family Insurance, they have been wasting my time especially when they call and I'm at work and I have to take my time to argue with them about a vehicle that I have only driven for 3 days. Is it really possible to have a car drop in value within 3 days? I don't think so, any suggestions?

I have been a loyal customer of American Family Insurance since, I believe, 1995. I absolutely always pay on time and for the last 10 years (because I pay everything automatically online) I have paid a little over what is due each month; I round-up and then they send those little balancing checks for a few dollars every year to pay back the rounding. Just over two years ago, when I bought a new vehicle, I shopped and found other insurance companies that were less expensive. But, after talking with my agent, Patricia ***, I decided to stay with American Family. Patricia's and her employees incredible customer service were worth paying the extra money. All that changed.

About two years ago, my policy was moved, and Patricia **** became my agent. My previous agent had retired. I received a letter from Ms. **** letting me know that she would be taking my policy. I never met the woman, never received a call from her, but okay, things change. Shortly after, I needed my windshield replaced and through a series of calls, I was given the name of the glass repair place to call. The person on the other end of the line was curt both times we spoke. I was given little direction and even less courtesy, just the phone number. I thought about changing companies then, but honestly, I didn't want to go through the perceived hassle and I chose not to let one bad experience drive me away.

Fast forward 18 months to December 21, 2010. While on vacation, I receive a voicemail from one of Ms. ****'s employees saying that I needed to get my payment in. I called back the same day and told the man that it was impossible that my payment was late. And with him on the phone, I pulled my bank account up on the computer. It showed that my payment had in fact gone out on time. The man, Louis, told me that they had only received my regular amount and that my payments had gone up by $16.15 because I no longer got a specific discount. So, I asked him when they had sent a letter notifying me of that. He told me no letter had been sent. I asked why. He fumbled over his words and I got the idea that they didn't feel they had to notify me. Okay. Right then, with him on the line I entered the $16.15 payment in the computer to go out the next day. Let bygones be bygones. Done.

Today, I receive a call from Louis telling me that if I don't do a payment by phone, a Letter of Cancellation will be mailed to me. What? I calmed myself and with Louis still on the phone, I pulled up my account online again. It showed that the check did in fact get mailed from my bank on December 22nd. Today, is December 27th. For any normal month, the check should have arrived by now. I get that. But, last weekend was Christmas. I told Louis, albeit too loudly I'm sure, that I would not make a phone payment, that most likely the check would arrive today and that if it didn't to go ahead and cancel my policy send the letter.

After 15 years of on time payments, they're threatening to cancel my policy for $16.15?! Really? Granted, he has no reason to believe that I actually sent the payment last week. Well, he has no reason other than the fact that I've been a golden customer for 15 years. Oh, and it's only 16 bucks! Really? In what world is this acceptable customer service? I was amicable when they so poorly notified of my agent change. I kept an open mind when I received poor service for the replacement of my windshield. Though frustrated, I calmly and immediately got online and made the sixteen-dollar-and-fifteen-cent payment change they never notified me about. I even apologized to Louis for raising my voice when I heard him threaten to cancel my policy.

Now, I'm done. Once I send this letter, I'm changing my insurance carrier. And, I find it interesting how the poor service of one agent can affect a company. Granted, mine is just a drop in American Family's revenue bucket. But, I wonder how many more like me there are. Who else has Patricia ***'s agency chased away?

I have been a customer of American Family Insurance for 13 years with no brakes. I had nothing but good things to say about this company until recently. My stepfather shared an office space with one of their agents, Dave **, in Menasha, Wisconsin and I had been with him for 11 years even after I had moved to Madison. I finally had to change agents as it was becoming inconvenient, and I needed an agent closer to home. At the time I had switched to an agent in Madison, Matt **, whom did a great job.

I then moved and switched to the agency at 2101 N. Sherman Avenue. At the time I switched the agent that I had at that office retired after being there for about a year and I was given a new agent, Brian **. I had never even had to call and complain about anything until I was given this agent. I know that it was my right to switch, but I had never had any issues so I gave him a chance. About a year after having him, I had an accident with my vehicle and had to file a claim. This was my first claim in 11 years. I then had my car vandalized about a year later and had to file a comprehensive claim. Being only about 26 at this time, I was still paying a high premium due to my age.

I have a clean driving record and have not had any tickets since 2000. After paying an average of $100 a month, I had an accident surcharge added to my account. I dealt with it for a while but my bill just kept going up and up. Finally, it had reached $138 a month and I just couldn't take it anymore. I placed a call to Mr. ** about my bill to see if anything could be done. After taking about a week to look at it, he said that he had looked and got it lowered by what he claimed was $10 dollars a month. Well, this was his first lie as it was only $10 for one month. So I let that go and continued to pay what I was billed. Finally, my wife said that this was getting ridiculous and that I had to see about getting this bill lowered.

So I called and asked what was going on, that I had been with them for 13 years and this point and they had made over $11,000 out of me even after paying for the 2 accidents and that this was not right that I was paying them more with this company than people with DUIs that I know. Well, Mr. ** again wouldn't do anything. So I then had to go to his General Manager whom I explained what was going on and he never returned my calls. I was so mad I then went to his boss. At this point, I received a call from Mr. ** stating that they had reviewed it and had decided to remove the accident surcharge which would lower my bill to $106.36 a month. It was still high, but I could deal with it.

He explained that once the billing cycle was started that they would not issue new bills, but that I would get a letter that would explain what the new total was and that I would just have to pay the $106.36 per month. I received this letter in May of this year and then paid that amount when it was time to pay my bill even though the automated system said I had to pay $138.36. I never received any notice that this was not the amount I had to pay and continued with the company.

The next month, I was prepared to pay the $106.36 and the automated system state that I had to pay $66.36 so I had assumed that they had adjusted the bill based on what I had paid so I paid that amount. Well, that's when the trouble really started. I received my billing statement which stated that I owed $136.36 then I looked online and it said the monthly balance was the same, but that the total for the 6 months was different from the statement. I then called in the payment and it was asking for the original total of $138.36.

I then figured it was like Brian had told me and I was just to pay the $106.36, which I did. I then got an email for their corporate offices because I paid the bill 2 days late due to it being a weekend. The email said that I was late and I owed $144.93 to cover the payment. I disregarded the email as I noticed that the payment just hadn't gone through yet. After the payment was received on the 15th, I hadn't heard anything until last week Friday when I received a notice that I owed $18.95 for the balance on my renter's insurance. Well, this put up some flags because that was supposed to be covered in my total of $106.36.

I called today to see what was going on and I was told that my payment was late and that my car insurance was canceled. I never got any kind of notice as to this and couldn't believe that they would do that being a 13-year customer and that they sent me a notice about the renter's insurance but not the car insurance. I was informed about this by Brian's secretary who said he was out of the office. I said that he needed to call me right away and that he would need to call me as soon as he got back. When I talked to Brian he acted as though he never changed anything and that I owed the $136.36. I explained that this was a problem because of all the billing differences.

He claimed he couldn't do anything and that I would have to wait for him to call the payment offices and he would get back to me. I knew that he was a liar so I went and got quotes from other insurance companies which GEICO was only asking for $66.95 per month. I waited for Brian to call back to see what he could do. He said that I would have to pay a fee to have the insurance reinstated and that I would have to pay $154.00 by today to have it put back into place. He would not take any responsibility for this as I assumed he was out to get me and told him to cancel the policy, which had already been canceled based on what was paid yesterday. He then tried to pull some line that I still owed them $22.82 for services provided. I couldn't believe this. I was so mad I told him he would never see a dime and I hung up.

On June 3, 2010, I had an appointment scheduled with Mr. ** (American Family Physical Damage Claims Adjuster) to have my 1995 Ford Taurus inspection for damages sustained to my car around December 18, 2009. Prior to my appointment with Mr. **, I was informed by one of Gino ** representatives that my premiums would not be affected if State Farm had to pay no more than $1,000.00 towards the repairs of my vehicle. Since my car is so old and the Blue Book value for my vehicle was a little over $1,000.00, I purchased the driver's side front headlight and blinker assembly with the intention of possibly fixing my vehicle myself. I paid a total of $97.48 for the brand new parts.

After Mr. ** inspected my vehicle on June 3, 2010, he stated that the repairs total that American Family will cover based on his observations would cover $893.71 minus my $250.00 deductible for a total of $643.71. Mr. ** handed me a check made out in my name for $643.71. He asked me if I wanted Key Cadillac Auto Body to look at my vehicle and see if they could perform the work for the quoted price. It should be noted that Key Cadillac Auto Body is located in the same complex as Mr. ** office. I informed Mr. ** that "yes" I would be interested in considering having Key Cadillac Auto Body perform the work on my vehicle "as long as they can keep my bill under $1,000.00, not including my $250.00 deductible. Otherwise, I will most likely have my car repaired to avoid having my premiums go up. For the record, my car is barely worth more than $1,000 in perfect condition. Nonetheless, I had a representative from Key Cadillac Auto Body look at my vehicle that same day and time.

One June 3, 2010, upon being informed by the Key Cadillac Auto Body representative that "yes" they could repair my car for the estimated price that Jeffrey ** determined, that "yes" they could begin work on my car that day, that "yes" they could credit me on the parts I previously purchased to possibly repair my car myself, and furthermore, that they could provide me with a loaner car while mine was being repaired. I gave them the keys to my car and the check that Jeffrey ** issued me for $643.71 stating, "You may proceed with the work as long as the charges do not exceed $1,000.00 in addition to my $250.00 deductible. The gentleman from Key Cadillac Auto Body stated, "That shouldn't be a problem."

Approximately one week later, I was contacted by Key Cadillac Auto Body stating that my car would be under repair for a few more days. They stated an additional part was ordered that would tie up my car for at least another day. On June 10, 2010, my vehicle was ready to be picked up. When I arrived at Key Cadillac Auto Body and paid the balance on my complete bill with Key Cadillac Auto Body, I was informed by the Key Cadillac Auto Body representative who assisted me, Dale **, that my bill was in excess of the $1,000.00 plus my $250.00 deductible, which exceeded $1,250.00 which I under no circumstances authorized to exceed. My vehicle is not worth $1,200.00. Nonetheless, due to the complete disregard of my directive both to Jeffrey ** as well as Dale ** of Key Cadillac Auto Body, I am told by American Family Insurance Company that my motor vehicle insurance premiums are going to increase $200.00 per year on my policy due to approximately $27.00.

I am very dissatisfied by the way this matter has been handled thus far. Mr. ** had the audacity to inform my insurance agent, Gino **, that Mr. ** and I had a telephone conversation while my car was being repaired by Key Cadillac Auto Body, which he allegedly informed me that my bill will be much higher than originally estimated. Not only is this a lie, furthermore that this phone conversation never took place. I have phone records to illustrate/prove that this alleged phone conversation never took place, and I am prepared to present this information upon request. I have severe concerns with the honesty and integrity of Jeffrey **.

On several occasions, I feel, Mr. ** has not been truthful regarding matters dealing with my claim. Mr. M. has not been truthful with me, nor is Gino **, who is my American Family insurance agent. Furthermore, he has been dishonest and deceiving with the representatives of Key Cadillac Auto body. Mr. ** has no integrity. I challenge Jeffrey ** to prove without any doubt that this alleged phone conversation that he and I had where he claims he made me aware of the price increase of damage repairs to my vehicle actually took place. Mr. ** appears to be attempting to cover his footsteps for lack of his own due diligence.

As a paying and loyal customer to American Family Insurance Company for 10+ years, I refuse to be treated like this. Furthermore, under no circumstances will I tolerate lies. I was very clear and pragmatic with my directives to both Jeffrey ** and Dale ** that I would not be authorizing any repairs done to my motor vehicle if the charges were to exceed $1,250.00. Additionally, the parts I provided Key Cadillac Auto Body with, why was I not credited the entire amount of $97.48, which I paid to John's Automotive Parts on March 28, 2010?

Remember, in addition to two (2) motor vehicle insurance policies with American Family Insurance Company, I also hold my homeowners insurance policy, an ATV insurance policy, a snowmobile insurance policy, passed motorcycle insurance policies, etc. I asked American Family Insurance to please not give me the cause to explore other insurance options outside of American Family Insurance Company due to a $27.00 overage, which should have never happened in the first place. I am very upset about this matter.

Someone backed up into my car at a safe way exit. It took 6 weeks for American Family Insurance to get a hold of the girl that hit me. When they did, she claimed that I hit her when I had two witnesses in my car that could see her wheels. I called American Family Insurance over and over again and not once answered their phones or called me back, until my husband called and threatened to sue and they only called him but not me. I was also priced on the damage of my car, and they priced it to be almost 700 dollar difference. It is my only car, and they are still ** me over.

I am just getting sick and tired of these insurance companies being able to do as they want. They have ripped us off and ruined our health care and are now attacking the auto insurance policy holders. I have been with American Family Insurance for I believe 6 to 7 years and have never been late to pay my premiums and have only 1 claim due to a deer jumping in front of my daughter. Everything has went south in the past few months with them.

First I started a small business last July and had all my insurance for the businees through them. When I signed up for the business insurance I transfered a vehicle from my family plan over to the business plan, well I noticed that after about 6-7 months I was double paying for that vehicle, they did not cancel my family plan for the vehicle. They said they would give me credit on the business account and I told them that they had to credit my family plan since that is the one that was being paid for and was to be cancelled. Well after a few weeks of battling with them they ran credit through my family account but I am still certain that I did not recieve the correct amount of credit. Then business did not do well so I cancelled that insurance and closed the business on feb. 15th, 2010.

Well in March I recieved a bill from them for 52.00 and called them as to what this was for and I was for the amount I owed because the of my cancel date and the billing date of my business policy. Ok, I could live with that but I thought it was a little more then what I thought it should be, I mean your talking about 3-4 days difference. Well anyway two days after talking with the lady I recieve a bill for the amount of a whole month (187.00). Well that one sent me to the roof( not through the roof) and I contacted them again and could not get anywhere with them. They were telling me that they did not recieve my cancelation until it was at the renewal for the April so I had to pay it.

I am starting to see a pattern here and thinking it is time to look for a new agent (slacking on the paper work). Well I told them I needed to have documentation on the cancel date and a copy of my entire billing and payment history before I would pay this. Well never heard from them again for two weeks when I recieved a collection letter from a company representing American Family Insurance trying to collect $187.00 from me. Oh ya it gets better, while I am trying to get this resolved I get the renewal letter for my family plan and guess what due to things on my credit report my insurance is going up.

I now paying 25% more per month that will cost me about $600.00 more per year. Now I am not saying that I have a great credit report and things were really tough when I trying to get the business up and running but, come on! I guess if I was making all kind of claims and late with my premiums with them then maybe they can charge me alittle extra but when we are doing just the opposite then they have to look at how I have been loyal to them for the past 7 years. Well the loyalty is going by the way side and I am ready to fight this as far as I can and am hoping that I can anyone else out there that just doesn't think this is right to write their local, state and US representatives to have them stop these people before they get out of control like the credit card cons.

I know that there are many Americans out there that are financially struggling for the pas t couple of years and now what is going to happen? The insurance companies are all going to be getting richer and there will be alot of uninsured drivers on the road because people are just not going to beable to keep paying. So just think they renew my policies every six months so I am probably going to see another increase then and it will continue on for how long? Lets take a stand!

I thought I was covered until 03-30-2010, that's what my card said! I got a letter saying my insurance was cancelled due to non-payment as of Feb. 11, 2010! It was an error on the insurance company. They should have called me, sent a new card, a bill **! Anything! But I got nothing and I have been driving around uninsured! This is all on them! I paid in advance due to the fact that I am waiting on social security, I just had surgery on Feb. 16th and have numerous doctors appointments (how am I supposed to get to them now?). I have no money at all, that's why I paid everything in advance!

I had a minor accident and was supposed to be covered by American Family, but they claimed they never received payment for that month. So I wasn't covered. They never sent a letter of cancellation and won't even discuss this with us. We have paid them for nearly 30 years 1000's and 1000's of dollars, but when I have one $1722.00 claim, they are not there for us. They suck, and I plan on taking them to court.

I had a policy with AmFam for my car for one year. During this year, I added a home owners policy, which would lower my premium by having multiple policies. I have a perfect driving record and nothing happened in that year of my policy. When it can time to renew they raised my car insurance rates over $32 a month. I was already paying almost twice that of my fiance, who doesn't have as good of a driving record as I do. When I called to ask why, the lady said "I'm sorry, I wish I didn't have to pay so much for insurance too, but we all do." NOT ABOUT YOU LADY!

Then when I told her that I would probably have to cancel both policies and take my business somewhere else...she said "I don't appreciate your tone with me, I am trying to help you." A- I didn't have a tone, I was mearly informing her that we wouldn't be continuing insurance with her and B..you were helping me?? HOW? So I canceled the insurance and today they still took out of my bank account the amount the premium. When I called to ask why she said they needed 30 days before they could cancel a transaction and I had only called 2 weeks prior. I told her I didn't know she was going to raise my insurance so how would I know I need to cancel.

I only put cash in my checking if I have bills to pay. Otherwise for everything else, I pay cash or it goes into savings. My bank account is negative and she is claiming they aren't liable. Sorry but you are. I even asked the lady when I canceled if any more amounts would be taken out and she said no. I am pretty sure AmFam is liable. Seriously. Get your stuff together.

This is actually a follow-up on the October 14, 2009 note about American Family. They still have not settled with us on the total loss of our van. They stated that they made the determination of us being 25% at fault even though we had no traffic control with the exception of a speed limit and we were 10 mph below the limit. Their driver was cited for careless driving and they feel they are not completely at fault!

Am. Fam. has told me that since they have made the determination, it will not be changed without a lot more evidence. The police report and the breaking of the law is not good enough to determine liability with them. In the meantime, we have been without a vehicle for nearly two months.

We are planning to settle with our personal company, Farmers Union who has been so very helpful and as shocked as we are with the outcome. It is no wonder why insurance is so high and why so many feel wronged with the claims. The next move is to enter a complaint with the Department of Insurance. I did visit with them a couple weeks ago and I am with the understanding that if all my evidence is proper, which I assured them that it was, American Family will be changing their determination very soon.

I was in accident with an AMFAM insured. No ticket was given at the accident but the other driver was advised that he needs to be sure the lanes are clear before he enters traffic. My insurance states he is at fault and AMFAM is disputing the claim. Here is the complaint... Sharon was nice as could be in the begining. Offered to advance my deductible, returning my calls and over all pleasant to talk to... then one day she says i am at fault and will only accept 40 % of liability and I an never to call her again. WHOA... uhm yea... so caught in the middle and dont even know what to do now. Just wrong... really wrong.

Our vehicle was totalled following an accident where the policy holder of American Family was responsible. She was given a ticket by the police officer at the scene of the accident due to her careless driving. Their driver left a stop sign and hit our van broadside.

Since it wasn't our insurance company's responsibility to ultimately pay, we tried to work with American Family to settle. They did not contact us until 2 weeks following the accident and then tried to blame that on the time it takes to get the accident report (these are available on-line at a reduced rate compared to having them mailed out and was availabe 4 days after the accident). Their representative somehow determined that "according to Nebraska Law" our driver had 25% of the liability in the accident - even though their was no traffic control on our road and the other driver admitted that she hadn't looked before she pulled into the lane of traffic.

We found their representative cold and unfeeling when it came to the fact that we were the party at a loss that we were not liable for. She was unwilling to actually listen to our side of the conversation during phone calls even hung up during one coversation. She did take the time to put in her notes that she "ended the conversation". I guess that is the code word for "hung up" at their company.

Throughout this process, they have not been willing to give any compensation for the excellent condition of our vehicle and even went so far as to encourage us to contact an attorney. We are not the type of people who sue to make a financial gain, but after dealing with Pamela it is easy see why some people may choose that route. We do not feel that it is morally right to expect our own insurance company pay for somethimg when the other company is ultimately responsible for the loss.

I was the sandwich vehicle in a rearend accident-I was pushed into the vehicle in fromt of me. My car was totalled the woman who hit me admitted guilt. She was insured by AFMI. They were good about taking care of the car. As far as my expenses medical and otherwise they have been a pain. They drag their feet until I do their work for them so they things can move ahead. Their settlement offer is a joke it barely covers my expenses with nothing for pain and suffering. I am a mother of two who for more than a year delt with serious neck and shoulder problems. With treatment they are greatly improved, but not gone.

They told me they are not even considering all my medical treatment in deciding on a settlement offer. When I tols er I felt the offer was unfair she told me my only option other than accepting it was to sue. They are definitely not dealing in good faith so I filed a complaint with the insurance commissioners office and am waiting to hear back.

I have a restored 1964 Chevy truck and i was hit by an American Family insured who ran a stop sign. He was issued a citation as for the accident... then American Family Ins. says that hes not insured....my insurance researches and says yes he is and they will sue... all of a sudden they say there insured is insured and will pay...I thought ok now its all taken care of............?

The frist problem was getting them to want to fix the truck, i had to show recipts and pics so they knew it was restored and would fix it. then they only wanted to do a half job and not have it done right, so that was a fight! Then there adjustor who was suppose to make sure things were done ect. was never there, the body shop would need to find certain parts or get permission to fix items, they would finally call me and i would find the parts and get what they needed, and spent money out of my pocket to get job done.

Of course A.F.I. does not want to reimburse me for my lost time to do this FOR THEM!!! and now 6mo. later they are nickle and diming me on my expenses and medical bills. And of course the LOW BALL BID to settle... and there low ball is under ground it so low. I have delt with so many people and i know they think that if i just get jerked around long enough that i will give up. But its not right!!!!! I have decided to get a lawyer, i am so mad that i don't care if i lose money at this point just to make them pay what they owe, even if it is to a lawyer and not me. And of course AMFI will not understand because I'm sure they don't have the concept of principles!!!!

My lawyers said that it is standard practice for AMF to implement a Medical Evaluation by doctors on their payroll, after which they say that treatment is no longer necessary.

First of all I had two vehicles insured with, they started out charging me 240.00 for both vehicles fully insured. I started school and sold my truck, they decided to raise my insurance to 296.00 dollars a month. Well they gave me the run around so long I found another company to insure us fully for 168.00. I paid my 296.00 on the 10th and then canceled on the 13th of the same month. Denise said my check would be the 296.00 minus 3 days of coverage, she also said she would call me and verify it, nothing.

SO i called in and made sure, they were only going to refund me 150.00. They charged me 150.00 for 3 days of coverage. They are making bank. Denise again gave me the run around and could never give me a proper answer. Good bye and good riddance to this crappy company. Never go with them!

Loss of money. They stole 150.00 bucks from me.

I find it strange that the other individual from salt lake city has the same agent as me; Aaron. I find that this guy is cheat! I totaled my car in November and he told me I must pay my regular insurance for the next month even though I do not have a car. I was upset, but they were paying my medical bills so I did not fight. However they are now saying they will not pay my bills and they need to send me to another doctor to check up on me because I must be lying.

Although they have not credited my money back to me and expect me to keep paying insurance on my sisters car every month while they question my integrity. American Family Insurance does something funny and Aaron is not any different from the rest of the company. I would like to fair warn all individuals to steer clear of American Family Insurance it's another company looking to cheat you for your money.

American Family Insurance raised our rates so we found another company with better rates and coverage. We contacted our agent and cancelled before the expiration date. Instead of a refund, American Family sent us a bill for $684.00. We called our agent and they said we must provide proof that we had coverage at the time of cancellation. Even through it is none of their business, we did provide the proof only to be advised that the charges are still owed. I sent a copy of the proof to American Family Insurance's main oiffice in Madison, WI but they never responded back. Now we have been turned over to collections, demanding payment. This appears to be retribution for cancelling. What are my options here?

This has caused a blackmark on our credit report which in turn does cause stress at home.

I lost my job as a real estate attorney when the market began to tank in 2006. I had a hard time finding work and now have to settle for less money just to pay bills. American family raised my car insurance premiums even though I made payment and NEVER had a claim with them.

As a result, I must find new insuracen or pay nearly 200 additional dollars per year. This practice must stop. The insurance companies need to stop using an unrelated risk index to determine policy premium rates.

My family and I have been with American Family for a long time. Just last year my children and I were hit by another American Family insured. I thought this would be okay, but started having back pain within hours after the accient. My daughter spiked a fever, I knew something was wrong. My children became fearful of the intersection where we were hit. All 3 of us went through treatment.

I am a mom of 2, a full time student who also works odd jobs and a wife. So I carry a lot. Adding pain from an accident that made getting out of bed a challenge some days was not what I needed. It added so much stress to my life, it's hard to explain. Our daughter just 4 started wetting the bed at night (cause was a kink in her back). Took more than a month to fix. After all of this (and I did get an attorney right away). American Family is only offering me $2000. WHAT!!!! Are you kidding me?

They are now stating that they have an independant witness. Funny no one pulled over at the accident scene and I was the last of our two vehicles to pull away after exchanging information.... can they pull a witness out of there back pocket? This is also the first time they have ever mentioned the witness (a year after the accident). I am just so upset. I can't make them give me the money I am owed.... Is there no consiquenses for these insurance companies that go around screwing people?

In July, 2006, I was rear-ended by a driver while I was stopped at a red light. There was a car in front of me. The driver who hit my car, hit it with enough force to push my car into the car in front of me, totalling my car and damaging the car in front of me. The car who hit me was insured by American Family Insurance. Inexplicably, this driver was not tested for alcohol by the police. Inexplicably, this driver was not cited for reckless driving or any other charge.

I sustained a back injury that I still suffer from more than two years later. My car was totalled, which placed both my job and my fiancee's job in jeopardy, since we both depend on that car to work. We had to rent a car to get through nearly ten days until we could replace the car. The insurance company did pay the rental and for the car eventually, but only past deadlines that caused the rental company to charge my account and create a cascade of bounced checks and bank fees.

The insurance company took more than a month to deal with the immediate problems, but my medical problems took two years to resolve. After I submitted my medical bills and lost wages, (which took me three months because I was undergoing treatment and was under incredible stress trying to work while injured), the insurance company took four months to review the claim. Then, they requested all my medical records for the last five years. I complied with this request under protest and according to the advice of my lawyer, but it took another two months to comply. The accident was in July 2006, and I had sent them all my records by April 2007. The insurance company continued to review my records for another four months after that.

Then, in August of 2007, they turned the claim over to a different adjuster, and took another seven months to review my claim. In May of 2008, they offered to settle my claim by paying my creditors directly, and essentially paying me nothing for the economic distress that had been ongoing in my life since the accident. I protested vehemently to my lawyer, who then attempted to negotiate a higher settlement.

Finally, In July 2008, just before the two year legal deadline for settleing claims, they offered me a reasonable settlement. I accepted it, and expected a check within a few weeks. Two weeks passed, and no check had been mailed to my lawyer. I called to inquire, and my lawyer said they have a process to go through, and it could take 6-8 weeks to send a check. This is a corporation with billions of dollars in assets, in an age when funds and communications can be sent at the click of a button. I was angry at this unreasonable stalling, but I waited, having no other choice. Eight weeks after the settlement, I called my lawyer again. This time, the company claimed to have mailed the check, and that the check was lost in the mail, causing them to have to cancel that check, and mail a replacement. The replacement, I was told, was mailed last week. That was two weeks ago. Still no check.

This is now ten weeks past the deadline for settling an insurance claim. I'm at my wit's end.

On January 20, 2006, my daughter, niece and myself were involved in an automobile accident by a motorist covered by American Family Insurance. The driver was at fault and my daghter and I suffered neck and back injuries. My xrays showed a floating bone in my neck and it my daughters whiplash never healed. She suffers to this day with migranes and has a need for massages and other relaxation methods and adjustments.

I settled my case but the adjustor did not honor our agreement. He stated that a doctor would be paid directly from them and in fact that was not the case. After calling him to inquire about the monies that the docotr did not receive being forwarded to me, he stated that the insurance company that paid the insurance company had to be reimbursed even though there was no lien from the other insurance company which was my insurance. He later called that insurance company and requested that lien (AAA).

We then began negotiations regarding my daughter's claim and he stated I needed to complete another medical release form since the one I signed earlier had expired. I was concerned about his wording and tone and phoned his supervior again regarding is deceptive practices and stated that I believed that he would request my records from before the accident. He did just that and even though there was documentation that showed my daughter's injuries would not get better, he refused to increase the settlement offer of $7,700.00. Over $3,8000 of this was then medical.

I hired an attorney who found out that even though Mr. Cary D's offers included medical amounts that had to be paid to a doctor, he had already received a release of lein from that doctor over a year earlier. After speaking with Joe F, Cary's supervisor and stated that I was going to sue American Family for both of our cases even though I had already settled, It was my concern that since they had not honored the settlement the settlement could be open again. He then decided to settle for the $7,7000.00 but since Cary was stating that the injury was preexisting since Ebony had seen the same doctor before and after the accident, but for different reasons. This meant that the entire $7,700 would go to me for Ebony as no medical bills would be paid from the injury settlement. This agreement was made in April of 2008.

I received a letter stating the lenght of time the process would take and steps that needed to be made. I was asked if I had an attorney to act for Ebony and I decided to hire the attorney that I had hired before and then fired, since she was familar with the case and had seen the medical records, etc. For sure, she could speed things up since she was familar with the case. American Family played phone tag, did not return calls and to date have not received the payment expected. I feel that I am being treated unfairly and that American Family is not acting in good faith.

I borrowed, took out payday loans, overbooked checking accounts, etc, making sure that Ebony's needs were always taken care of. We have moved and made other changes expecting to receive these funds at the time promised. Not receiving them has caused more hardships as I continue to make purchases and/or plans for repayment and when the funds are not received, more borrowing to make payments that I promised to make. This summer Ebony broke here Tibula and Fibula skating. Skating was the new sport she started since the neck injury limited what she could do. Now, we have more expenses, diapers, wipes, wheelchair is not covered by her insurance, etc. The situation is made worse we we consider that we sometimes have to count pennies to wash her soiled laundry when she has a settlement that we should have received already.

American Family Insurance has raised our auto insurance rates based on our credit score. They have discriminated against us based on the fact that I have some delinquent payments to my student loan on our credit record. I do pay as much as I can each week. I will be the first to admit we have been working on improving our credit score for years. All credit cards have been paid in full.

My husband and I both have full-time employment but we have a hard time making ends meet. Our pay each weeks goes straight to bills leaving a small amount to purchase food and gas. We pay daycare expenses for our two children and have eliminated all other expenses such as the internet, cable, satellite and a home phone. Any expenses not immediately necessary are eliminated. We are responsible people and plan to pay all bills but it cannot happen all at once.

I do not understand what our credit score has to do with our driving ability and why we are labeled as high risk because of our credit scores. We have never filed a claim on our homeowners insurance or on our auto insurance for any accident damage due to any fault on our part. I would like to state my opinion and hope I can take part in the actions to stop the insurance companies from these discriminatory insurance practices.

We have two trucks, one paid for and one with one year left. I have dropped the insurance on one truck and we will not drive it anymore until I find an insurance company with fair business practices.

Mike E side swiped my can on 07/28/2008. He admitted that he hit me at the accident site. A police officer Sgt. Stanley D arrived right behind us. We pulled off on a side street and the officer asked if we need any help. I replied that as long as Mr. E had insurance (since he hit me) I believed that everything was OK. Mr. E acknowledged his fault and showed us both his insurance. I gathered his information along with his insurance informatin and he took my name and address and phone #. He did not ask for my insurance, as he knew it was his fault.

I later filed an accident report 08/01/2008 and contacted Sgt. D( Gladstone police dept.) to confirm that he knew that E was at fault and he agreed that he acknowledged fault. He said he would testify for me, if I needed him to.

Mr. E's insurance company is only willing to pay 50% of my damages which are $1554.32. I feel this is totally unacceptable. He side swiped me and admitted it. I received a letter from American Family Insurance stating the 50% offer. I feel it is unjust. The claims agent has been out of the office. I hope you can help me with this problem.

My car has over $1500.00 in damage and they only want to pay half. I don't feel my insurance should have to pay the rest.

My wife and I had insurance with them and found cheaper insurance elsewhere. My wife called them and told them about the change in April. Now thats its August, they are telling me I owe them $103, for the end of the term. Of course they will 'fix-it' if I get papers sent over to show them of the change. I guess its not that big of a deal, but if the office staff would pull their heads out of their rear-end this would have never happened. The only time I ever got anything resolved was if and when I got in touch with Rachel Boston. Half the time she was never there, or she made a bad habit of calling me back 5 minutes BEFORE the office closed!

At one time my we had home-owners isurance and moved and changed it to renters insurance. We had to fight with them every month because they were still charging us for home-owners even though we wanted renters..home-owners was alot more spendy. The last two months (the last straw) was we found out that once we got the whole renters insurance thing fixed, they were charging us for 'mold and mildew' insurance. When we called and asked aobut it, we were told they would check into it and not to worry about it. Thats the main reason I don't recommend anyone dealing with them.

Whats funny..is they say I owe them money, but technically, I had isurance on my motorcyle for a full year..paid in full. I cancelled that in April even though it was paid up for June or July...so they actuall owe me money. I doubt they will be willing to cut me a refund..but we will see.

Spoke with Rachel at the claims center and Mindy an adjuster regarding damages to a 1988 Omni I was driving that was struck in the rear by their insureds pickup truck at a red light. They told me that even though their insured was cited and accepted responsibility they had not determined liability.

After she inspected the vehicle she stated that since the vehicle would be a total loss it would require a different adjuster. When we did not hear from anyone, my husband who is the title holder of the vehicle attempted to call Rachel abnd was told that they had never heard of her and knew nothing about our claim. He was transferred to another number where he left a message as the person was in a meeting. He called several times and was sent to a different person every time all of whom were in meetings. No calls have been returned.

The car is in the tow lot gathering storage charges and I am paying for a rental car until this is resolved.

I got into an accident with someone that has this insurance back in Dec 2007 and I still haven't had everything settled. The ticket was issued to the other driver and there also was a witness that saw the whole thing yet I'm being belamed for the accident. I had to pay for the dedutible and the rental of the vehicle which total about $1700. And I'm only getting 75% because they lied and said that I caused the accident. My insurance company took pictures and everything to show how everything took place but that stood their ground. I really didn't want to go to court for this because there was no guarantee of me winning and I would be out a lot more.

I was out $425, my truck isn't the same, and my girlfriend had to deal with a lot with trying to get a hold of someone to talk to. I spent the money that I was saving for my property taxes and now I have to find another way to get the money because this doesn't cover the total anymore.

I have not suffered a loss because I will make the payment on the 11th. Basically, because I cannot risk driving without insurance. However, I do not feel that this company is practicing fair business.I'm wondering if it is legal to cancel someone when they do not have a past due balance especially when that person has been a customer for 2 years.

I was involved in a vehicle accident on Nov. 2, 2007. While sitting at the light I was rear ended. Found out later through police report that passenger (not driver) of the other vehicle reported that my car rolled back or stalled, which it did not, I hadn't moved. The police officer that took our statements made the report out to be my fault, but the police report is being amended because of the officer's mistake. American Family has sent me a letter already saying that I'm at fault and is denying my claim, before receiving the amended police report and medical records.

$1100 damage to car. Sister was transported to hospital by ambulance for back, neck and leg pain. I later went to hospital for right shoulder and neck pain.

Late last year, my American Family insurance agent failed to set-up the automatic payments on my account, that I had signed up for. After two months, she finally informed me that she hadn't set up the automatic payments and that she had canceled my coverage. Because of her error, I ended up with an SR-22 on my driving record, which doubled my monthly premium. My coverage was then reinstated in February, and it renewed in August of this year. On October 18th, I called my agent to pay the monthly premium over the phone. I spoke with her assistant who told me the amount due was $146.23, same as every month, since the SR-22. I gave her my credit card number to process the payment. On November 2, my agent called me and left a voicemail stating that my coverage had been canceled for non-payment. I immediately called her back and spoke with her assistant who stated that I've had a past-due balance since March.

First, I advised her that I have proof that there was not a past due balance on my account. Then I asked her why she hadn't mentioned a past-due balance when she told me the amount due on Oct. 18th. She said it wasn't important. She then accused me of not paying my bills and hung up on me! When I finally got my agent on the phone, she told me that I had been one month behind on my payments since March and that the outstanding balance is $107. I reminded her that my monthly premium is not $107. I also reminded her that she renewed my coverage in August and asked her why she would renew a policy, if there was an outstanding balance. She couldn't answer my question.

After making numerous calls to various people at American Insurance, from underwriters to management, I have since signed up with another insurance company; and I've reported the agent from American Family to my bank for committing fraud. It would appear that the agent is running a scam and pocketing her clients' money. She should lose her license to sell insurance.

American Family caused me to unknowingly drive around without insurance, resulting in an SR-22 on my driving record. Also, the SR-22 unnecessarily increased my premium. Nina Falls has taken several hundred dollars worth of payments from me, but hasn't applied them to my account, which means that she now owes me money.

i just got my drivers license and bought a car. Therefore i needed insurance and american family gave me the lowest quote so i desided to get my car insurance through them. aaron assured me that only if they run my record and a ticket or accident would show up the insurance can go up. So i signed everything and payed about $ 155,- right away. Then i payed for about 3 month around $ 80,- and all of the sudden i received a letter with my new bill showing a minimum payment of almost $ 400.

So i called aaron and he told me that they adjusted my rates because i had no prior insurance before but that he could fix the problem. After to weeks and the bill due in just 7 days i called several times and no call was returned. So i went to look for another insurance and found such. So i went on the day before my bill was due to the office and canceled my policy with aaron affective the day the bill was due. now 2 weeks later i received another bill with a minimum payment of almost $500.

I was involved in a terrible auto accident with a man whose insurer was american family. He was clearly at fault and totaled my car and another vehicle.Sent two people to the hospital. American family low balled me on my vehicle.refused to return phone calls,never mentioned my medical bills and have been terrible people in an overall fashion.wont pay for rental car,been 30 days,no property damage settlement so I hired an attorney and Im gonna sue em!

I have no car to drive to work. Paying for rental out of my pocket.doctor bills and xrays. Impact was so hard I was knocked out. Now I have to see a shoulder specialist.

On 12/9/05 my wife and I were hit by a 22 year old female driver insured by American Family Insurance. Our car was totaled. She has admitted full liability to us, and her insurance company. She was ticketed by the police.

On 1/21/06 I received a settlement offer on the car for $1,168.84. My car, in the condition it was before the accident, could not be replaced for that amount. After some research, using sites such as Edmond's, Kelley Blue Book, and Auto-Traders, I sent a letter to American Family making a counter offer with the results of my research.

After following up with them by phone I have gotten nothing back from them. The last conversation I had with them was on February 25th with Simon who stated "if you don't like it, sue me. I have 15 lawyers on staff and this is all they do".

The State of Illinois can not help me and The Department of Insurance told me that their laws are not strong enough to help me.

My fiance, was driving in the center lane of a one-way road when she was struck by a truck who "didn't see her" (and two other cars). The truck driver amazingly was not issued a citation, however the police report noted his failure to yield.

The trucker's insurance agent was a nightmare - incredibily unprofessional, arrogant, and unintelligible saying my fiance was 20% liable for the other drivers "failure to yield at a stop sign. I now know American Family is the worst insurance company ever.

Damage to my fiance's car - $3500.

I was a pedestrian in a walkway with a light and was hit by a Jeep Cherokee and the vehicle was insured through American Family Insurance. I have had to file a civil lawsuit against the driver and the insurance company and they have refused to pay any of my medical bills. This lawsuit has been going on for three years. I now live in Paris France and have married a French man and am now covered by insurance and thank God it is paying for my medical bills.