Top Ten Worst Insurance Companies

[Teddy Lancaster]

attached PDF. (with references)

--

Teddy Lancaster
RUNNING BEAR
3404 Carl Allred Rd.
Franklinville, NC 27248
800-533-2327

There is no better example of duping the American public in the history of the country than Obamacare.
As Levin noted on his program, Washington ought to feel fortunate that Americans are as tolerant of corruption as they are.

Learn more: http://www.naturalnews.com/047619_Obamacare_government_transparency_American_voters.html#ixzz3IpFfDnKY

[Maryben Stover]

Pretty much agree with Teddy about Allstate but would move St Farm and Farmers up to the top with Allstate.  Especially when it comes to paying their own insured's medical bills.  They are truly awful.  We fought with Allstate for over a year and our client was one of their agents.  She got in an accident, had an MRI within a week and they denied it because they did not think it pertained to their accident.  That is just some of the idiotic and downright rotten stuff they do.  The record for unnecessary stuff is 26 letters in one day from St. Farm on the same case.  

My truck and horse trailer were run into in October of 2013 and one of Farmers subsidiary company's have still not paid my property damage.  Their client had a .22 blood alcohol when he rear ended us at a stop light.

AAA may not be perfect, but they have really good policies and don't bug the crap out of you over stupid stuff.  I worked for their law department for ten years.  Now I am back on the plaintiff's side of the cases.  You know, those evil plaintiff's trial lawyers.  They are evil until you get so screwed by the insurance companies (sometimes even your own company) that you hire a lawyer in pure desperation.

RANT OVER................lol

..........mb

---

Date: Wed, 19 Nov 2014 13:04:28 -0500
From: te...@runningbear.com
To: AERCMemb...@yahoogroups.com; ride...@endurance.net
Subject: [RC] Top Ten Worst Insurance Companies

--
--
You received this message because you are subscribed to ride...@endurance.net
 
To post to this group, send email to ride...@endurance.net
To unsubscribe from this group, send email to: ridecamp+u...@endurance.net
For more options, visit this group at
http://groups.google.com/a/endurance.net/group/ridecamp?hl=en


To unsubscribe from this group and stop receiving emails from it, send an email to ridecamp+u...@endurance.net.

--
You received this message because you are subscribed to the Google Groups "RidecampRedistributed" group.
To unsubscribe from this group and stop receiving emails from it, send an email to ridecampredistri...@googlegroups.com.
For more options, visit https://groups.google.com/d/optout.

[karen standefer]

I've had HORRIBLE experiences with St Farm and The Hartford, but I have to say that Allstate went above and beyond for me when I had that awful accident with multiple fatalities in 2002.  But, it may have been also that there was a large law firm involved.   They paid me the maximum coverage on my policy and on Kurt's (he was driving my vehicle and we were both covered by Allstate, different policies).  They also paid off the maximum to Kurt's family on his policy and mine as well.    In addition they paid $7k more on my trailer than what I paid for it originally (only 6 months old at the time of the accident) by using the formula that was in my benefit instead of the formula that would have been in their benefit.  And, they paid off completely on my truck.........enough for me to get a new truck.  They also paid my son to take care of me and also care for the horses for about 9 months.  There were lots of other incidental things they paid for as well.   Allstate is the one that helped me find all of the things that could be taken care of under the policy.  I also got a rental car for about 3 months because I couldn't drive my stick shift car and my truck (automatic) was totaled.

---

From: merr...@live.com
To: aercmemb...@yahoogroups.com; ride...@endurance.net
Subject: RE: [RC] Top Ten Worst Insurance Companies
Date: Wed, 19 Nov 2014 10:17:43 -0800

..........mb

To unsubscribe from this group and stop receiving emails from it, send a n email to ridecamp+u...@endurance.net.

--
You received this message because you are subscribed to the Google Groups "RidecampRedistributed" group.
To unsubscribe from this group and stop receiving emails from it, send an email to ridecampredistri...@googlegroups.com.
For more options, visit https://groups.google.com/d/optout.

[Teddy Lancaster]

SO GLAD they came through!  It is always nice to hear of a GOOD outcome!

[Laney Humphrey]

The article was probably written in 2007 (maybe 2008), or at least
2007 was the usual year quoted. So things may have changed. Or not.
But I'd want newer information before making up my mind.
Laney

[Stephanie Caldwell]

I'm a huge advocate of independent agents (god knows, I should be! I am one!), they do a much better job IMO.

--

"Brutality begins where skill ends."
"Correctly understood, work at the lunge line is indispensable for rider and horse from the very beginning through the highest levels."
Von Niendorff

[Ruth Anne Heilgeist]

Do you happen to know the date this report was published?  I couldn't find it and the most recent source listed was published in 2008.  A more recent ranking would be more relevant.

Thank you.

 

Ruth Heilgeist

 

 

Happiness comes of the capacity to feel deeply,

to enjoy simply, to think freely, to risk life, to be needed.

-Storm Jameson

---

From: Teddy Lancaster <te...@runningbear.com>
To: AERCMemb...@yahoogroups.com; ride...@endurance.net
Sent: Wednesday, November 19, 2014 1:04 PM

Subject: [RC] Top Ten Worst Insurance Companies

[RHONDA LEVINSON]

Can someone post the attachment again?  It didn't come through for me. 

Rhonda

---

Date: Wed, 19 Nov 2014 19:54:52 +0000
From: ride...@endurance.net
To: ride...@endurance.net; AERCMemb...@yahoogroups.com
Subject: Re: [RC] Top Ten Worst Insurance Companies

[Teddy Lancaster]

Here it is

[karen standefer]

Not sure what this has to do with the current topic, but the American public did NOT get a chance to vote for the ACA.  That would be Congress that did that.  So, I'm not sure that the article is very accurate in it's accusations.  Surely NOBODY believes that we have any control or influence over Congress.  That would be the mega corporations (in this case the insurance corporations)...............not the US public!
In addition, the quotes used, that are not true today of the plan, were made regarding the FIRST revision of the ACA which is absolutely NOT what was put into law.  What was put into law is the result of Congress's compromises between the NO's and YAY's............the things that the NO's required before they would become a YAY.  It's very disingenuous to take those quotes from Obama which were made on the first revision of the ACA and use them against the final version. 

> Date: Wed, 19 Nov 2014 11:53:43 -0800

> Subject: Re: [RC] Top Ten Worst Insurance Companies

> From: laneyh...@gmail.com
> To: ride...@endurance.net

[Margaret Hogan]

So true!

Sent from my iPad

[Merri]

How about the Top Ten BEST insurance companies?

[Nancy Reed]

This is NOT regarding auto insurance, but is relevant to the discussion of insurance and the equestrian life.  A good friend of mine is a trainer.  Her home has training facilities including an arena, barn, etc.  In May the Cocos fire roared through her neighborhood taking with it the house next door and her barn, ATV (used to groom the arena), saddles, etc.  She thought she was over insured as she had "good " coverage and an rider that was supposed to cover her training business and supplies.  Well, long story short her insurance company has refused to cover 90% of her claim and had her jump through completely stupid hoops only to then deny.  One example was the ATV.  It was over 50% melted from the fire.  In order to process the claim, she had to get it to a repair shop  to obtain an estimate. Can you imagine how hard it was to load 100's of pounds of melted ATV into a trailer?   And of course, the repair shop just laughed.  In the end the insurance company denied the claim.  The insurance company?  Travelers.  Thought everyone would like to know. Have a great day!

Nancy Reed and Jazzi

[ra...@sisuwest.us]

On 11/20/2014 10:41 AM, Nancy Reed wrote:

In the end the insurance company denied the claim.

Do you know, or can you find out, the basis for the denial?   Sounds to me like she may not have had coverage relating to wild fires.  I have seen this inre: whether water damage was caused by the rain or a flood in a house*. 

Ed

*Roof blows off, rain comes in = covered by home owners.  Roof blows off, rain comes in, but the river rises flooding the house = only covered by Federal flood insurance.
--
Ed & Wendy Hauser
5729 175th Ave.
Becker, MN 55308

Ed: (406) 381-5527
Wendy: (406) 544-2926

[Teddy Lancaster]

I am so sorry! How awful!

I have had my share of run-arounds with insurance companies. They talk sweet up front and in the end do not give you much. The shame of it is the REQUIREMENT to have insurance: no ever stating what is good and what is bad, much less what is really necessary.

Heck I even had insurance companies ask for the money up front (and I get to read to policy later). I want to KNOW what's in my policy) And for anyone who has ever READ a policy, it is a quagmire that's hard to decipher....

For ANYONE who has an insurance claim, hire a PUBLIC ADJUSTER! They know how to read policies and negotiate FOR YOU!

I May of this year I had a fire in my trailer. If I knew about Public Adjusters at the time I would have been taken care of faster! The Insurance Company adjuster got facts and figures wrong (and would NOT correct them.) Who wants a lawsuit? NOT ME!  But the Public Adjuster (who only takes a per centage of what he gets for YOU) is WELL WORTH it!

On 11/20/2014 11:41 AM, Nancy Reed wrote:

This is NOT regarding auto insurance, but is relevant to the discussion of insurance and the equestrian life.  A good friend of mine is a trainer.  Her home has training facilities including an arena, barn, etc.  In May the Cocos fire roared through her neighborhood taking with it the house next door and her barn, ATV (used to groom the arena), saddles, etc.  She thought she was over insured as she had "good " coverage and an rider that was supposed to cover her training business and supplies.  Well, long story short her insurance company has refused to cover 90% of her claim and had her jump through completely stupid hoops only to then deny.  One example was the ATV.  It was over 50% melted from the fire.  In order to process the claim, she had to get it to a repair shop  to obtain an estimate. Can you imagine how hard it was to load 100's of pounds of melted ATV into a trailer?   And of course, the repair shop just laughed.  In the end the insurance company denied the claim.  The insurance company?  Travelers.  Thought everyone would like to know. Have a great day!

Nancy Reed and Jazzi

--
--
You received this message because you are subscribed to ride...@endurance.net
 
To post to this group, send email to ride...@endurance.net
To unsubscribe from this group, send email to: ridecamp+u...@endurance.net
For more options, visit this group at
http://groups.google.com/a/endurance.net/group/ridecamp?hl=en

To unsubscribe from this group and stop receiving emails from it, send an email to ridecamp+u...@endurance.net.

--

Teddy Lancaster
RUNNING BEAR
3404 Carl Allred Rd.
Franklinville, NC 27248
800-533-2327

There is no better example of duping the American public in the history of the country than Obamacare.

As Levin noted on his program, Washington ought to feel fortunate that Americans are as tolerant of corruption as they are.

Learn more: http://www.naturalnews.com/047619_Obamacare_government_transparency_American_voters.html#ixzz3IpFfDnKY

[Carla Richardson]

As far as paying promptly when I hit a deer, and another time when an unknown person hit my truck in a parking lot so I had no one to blame,  my insurance company covered all repairs immediately.  GEICO.  I have roadside assistance coverage and they are good with that also.

Carla Richardson

--

[ra...@sisuwest.us]

On 11/20/2014 12:12 PM, Teddy Lancaster wrote:

my share of run-arounds with insurance companies. T

My Dad worked for 40 years for Prudential Mutual Ins. Co. (this was in the good ole' days before it went public and started writing general insurance).  He always warned about casualty ins. companies.  He said that life insurance was much easier.  You are either alive or dead.  If dead the state provides the proof.  The only problems were with suicide within a limited time of the writing of the policy, and murder by a beneficiary.  Again the state does the hard work of proving that event.

The one gray area, which provided some interesting stories, was when a policy holder disappeared and the beneficiary wanted to collect 7 or more years later.  He said that usually the private detectives hired by Pru quickly found the person.  They simply asked friends what dream he had had just before he disappeared.  They then went and looked the missing person to be living the dream, for instance working in a marina in FL. 

Ed

[Darcy]

Great post Nancy!  This is a common mistake when seeking facility insurance.  You must be sure you get a "commercial" property and damage insurance not only on content of buildings but the buildings themselves.  A typical commercial policy will start around 7k and that generally ONLY covers liability coverage your horses might do to 'other' property.  

D'Arcy

Sent from my iPad

On Nov 20, 2014, at 8:41 AM, Nancy Reed <na...@elfinforest.net> wrote:

This is NOT regarding auto insurance, but is relevant to the discussion of insurance and the equestrian life.  A good friend of mine is a trainer.  Her home has training facilities including an arena, barn, etc.  In May the Cocos fire roared through her neighborhood taking with it the house next door and her barn, ATV (used to groom the arena), saddles, etc.  She thought she was over insured as she had "good " coverage and an rider that was supposed to cover her training business and supplies.  Well, long story short her insurance company has refused to cover 90% of her claim and had her jump through completely stupid hoops only to then deny.  One example was the ATV.  It was over 50% melted from the fire.  In order to process the claim, she had to get it to a repair shop  to obtain an estimate. Can you imagine how hard it was to load 100's of pounds of melted ATV into a trailer?   And of course, the repair shop just laughed.  In the end the insurance company denied the claim.  The insurance company?  Travelers.  Thought everyone would like to know. Have a great day!

Nancy Reed and Jazzi

--
--
You received this message because you are subscribed to ride...@endurance.net
 
To post to this group, send email to ride...@endurance.net
To unsubscribe from this group, send email to: ridecamp+u...@endurance.net
For more options, visit this group at
http://groups.google.com/a/endurance.net/group/ridecamp?hl=en

To unsubscribe from this group and stop receiving emails from it, send an email to ridecamp+u...@endurance.net.

--