DANIEL's complaint:
May 29, 2015

Insurance Company: 21st Century
Coverage Type: Commercial General Liability

• Claim Handling - Rude/Abusive Adjuster
• Claim Handling - Fraud
• Claim Handling - Denial of Claim
• Marketing & Sales - High Pressure Tactics

Yes this is about the job I was contract/ leased to,as a o/o truck driver. I was told I had to purchase there Truck's Insurance on my truck to work there and this cover me if there is a job injury / illness.

And they will pay the insurance from my payroll B/WEEK AND THIS WAS DONE BACK IN April OF 2005. I had an job-related injury / illness back in July 28, 2009 and spend 14 day in the hospital, now why I was there I call the job up and to see how can I get my benefits started sense I'll be out of work for a while.

I was then told by the job ,THEY DON'T PAY FOR AN act of god. This wasn't an ct of god, but a stroke from the job and that come from running to hard. On call 24/7 and that's 7 days a week. Now even my dispatch told me the same thing when she call me at the hospital, but later on she was ''FIRED'' for doing that.

Now when I got out the hospital I call back again to see what they were going to do and if nothing were to happen I were going to file a lawsuit on them. I was then gave a phone# to call.Now to let you know my job -related injury was never reported to anyone.

Well I call this company up and I was asked why I was calling and I told them why, because the job had me to call you'll up. I gave them everything they needed and was told they would call back in 4-5 days.

Well they did and was told they had bad news for me, the job didn't want to pay you.And for me to file for worker's comp. to get some help.Now I even call the insurance on my payroll up and told them what had happen to me while at work out on the road.

I was told if I didn't fall off of my 48 ft. flatbed trailer or hit something or somebody they couldn't help me, because I had a Trucker Accident Policy. In other words it had to be an '' accident'' for them to pay me benefits. But my policy didn't say that.

But back to the insurance company the job had me to call up ,I was sent a DENIAL LETTER, and it said the job said I didn't suffer any injury nor illness on the job and there will be no benefits paid out and the case is closed. But how can this happen when I didn't even pay them.They is not the one on my payroll for the last 4.5 years.

But this same company file this claim with the Dept Of Worker's Comp. I just don't understand this and beside I had never got a form from the job to fill out about my job-related injury.

So a Lie was told and this keep me from my benefits, because the job just didn't want to pay me.I later on found a Non Profit Corp. to help me and took my case in Jan. of 20012 and they had my case reopen and one of the Trucker's insurance company step in and said it wasn't a worker's comp. , well I knew that, but that how it was set up by the job.

When they knew I didn't pay worker's comp. this was just a game they play to keep from paying me.Now the Power Of Atty. worked this case with the job insurance I had a policy with and they only wanted to pay me the 104 weeks that was in my policy also the 52 weeks of MED. I went along with that, because it beat noting at all.

Just out of nowhere a call came in to my Power Of Atty. telling them , the job said I didn't work the day of my injury. And I need to show them ''BURDEN OF PROOF'' I was on the job and I had 90 days to do so or the case would be closed and this time for good.

show my proof in 5 days by fax and a letter and this was on Aug.8, 2013 and never did hear back from them. Also on the 18 of Aug. I sent the job insurance an Email tell them my P.O.A. is off my case and to send all mail to me only. And this is because the Non Profit Corp. told me she didn't get all of her money she asked for. I show her my copy and she was off the case.

Now here it is a New Year and still nothing yet.This is a commercial ; owner- operator insurance policy, which fall under a occupational accident group policy. This job denied me of my right to my benefits just by Lying to the insurance company. This was inappropriate for them to do this ,because they didn't want to pay me.

So you see my rights were Violated in the workplace and there still haven't been no compensation for the job related injury. I do have a medical condition from the job. So could there be Legal Action taken against the Trucking Company.

So could you recognize what have happen to me and if so, is there anything that can be done about this. Where I might get my benefits that I pay for that came from my payroll.Insurance company is Zurich North American / 1st. GUARD insurance.

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