Insurance Complaints - InsuranceComplaint.com

Name Witheld due to Health Care Privacy from Columbia, SC says:
June 10, 2015

Insurance Complaint against: MetLife
Coverage Type: Health Insurance

PolicyHolder Service - Abusive Service
PolicyHolder Service - Inadequate Reimbursement
PolicyHolder Service - Unfair Negotiation

When you have 2 insurance, coordination of benefits is a practice used to ensure that insurance claims are not paid multiple times. The idea behind it is that someone on multiple plans might be tempted to submit claims to all of them, pocketing the excess cash. If healthcare benefits are coordinated, the insurance companies share the burden without overpaying, and the insured is fully covered, but not covered to excess. The problem is after my primary insurance paid, Metlife calculates what they should pay base on the insurance terms, then deduct all my primary paid. By doing so, Metlife took all benifit from my primary insurance, I get zero benfit from my primary insurance. Metlife is too greedy on this matter!!!... Read More

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DANIEL from HOUSTON, TX says:
May 29, 2015

Insurance Complaint against: 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 everyth... Read More

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Seantiqua from Reading, PA says:
May 28, 2015

Insurance Complaint against: Safe Auto Insurance Company
Coverage Type: Auto/Boat/Motorcycle

Claim Handling - Denial of Claim
General - I feel abused by this company

In March 2014, my car was crashed by someone other than myself and they took a very long time to come out and look at the car. They changed my worker about 5 times and the first person they gave me as an adjuster, I was calling and leaving messages for a month before someone finally told me they were no longer with the company. They never got back to me about the claim and every time I talked to someone they told me that they were going to go into review and get back to me. Up until this day, no one has ever contacted me back. I was leasing the car and still owing $13,000 on the car. They took too long to appraise the car and it sat in towing for about 5 months. When they finally went out the towing company would not allow anyone to look at the car unless $1000 was paid. The car ended up being salvaged and now I have a $13,000 debt on my credit report.... Read More

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james from cincinnati, OH says:
May 26, 2015

Insurance Complaint against: Nationwide Mutual Insurance Company
Coverage Type: Homeowners Insurance

Underwriting - Premium Too High
Underwriting - Unfair Surcharge
PolicyHolder Service - Inadequate Service
PolicyHolder Service - Delays/No Response
PolicyHolder Service - Inadequate Reimbursement
PolicyHolder Service - Unfair Negotiation
Claim Handling - Fraud
Marketing & Sales - Misrepresentation
General - I feel abused by this company

started with government wanting take our home nationwide, cancel our policy with out riten notace, they set up a new policy with out conforace in on any of the calls, government paid first year, we never given policy, we had clame movers stoll some our stuff, movers was are fired, nationwide filed two clames on us for this on two different dates, this inshrace fauld as we did not call in the clame on date made, they raise our decutable I removed 9000 in libity and they raise our inshace 20.00 a mouth, we cant get no other inchace company to inshure us, do to the face there is two clames, I try swice agents they wont let us, they refuse to pay us for stuff stolen at other home we not move it fast enouf, so this how they file the 2ed clame water damage and then stuff stolen, was nothing about the clame or how how things was handle was even leagle, I have adhd they know this they know I disable and they used this agest us, was not first time they filed faudegle clame on us, they broke there owne policys, I try report them to there clames agavest nothing was done, got wounder why, if clames can be proven fraudlet people go to jail, 5 week nothing been done, nationwides also over vaule the home by over 50k 25k in extural struckuer... Read More

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Sherry from Joliet, IL says:
May 18, 2015

Insurance Complaint against: American Family Insurance
Coverage Type: Homeowners Insurance

PolicyHolder Service - Inadequate Service
PolicyHolder Service - Abusive Service
PolicyHolder Service - Inadequate Reimbursement
PolicyHolder Service - Unfair Negotiation
Claim Handling - Rude/Abusive Adjuster
Claim Handling - Delays upon Delays
Claim Handling - Unjustified Accusations
General - I feel abused by this company

On February 7th I had a house fire. No one was @ home @ time of fire. Fire department called me @ work with the Joliet PD and summons me home to make statements about the house. The next day an insurance adjuster from American Family Insurance came out to make a recorded statement about the fire. He didn't want to give me an advancement of funds since I had lost everything. Finally he did give me a check for $5,000. He refused to this day to give me the cause of the fire and he has refused to pay fees for the reconstruction of the house at this point. He has refused to work with the public adjusters on a timely manner. He didn't pay for rental fees for a long time till the rental people called me to help acquire the funds for the rental property. I am at a lost I didn't know that insurance companies would not pay for the reconstruction of the house this long. The adjuster has not answered phone calls place to him by the public adjuster and his supervisor has refused to return my calls or public adjuster calls for some clarification of these tactics. I don't understand how this adjuster gets away with this. My parents have had this homed owners insurance since 1968 and I have carried this though until 2013. I lost my job and I t... Read More

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John from Gastonia, NC says:
May 08, 2015

Insurance Complaint against: Allstate
Coverage Type: Auto/Boat/Motorcycle

PolicyHolder Service - Inadequate Service
PolicyHolder Service - Incompetent Employees
PolicyHolder Service - Delays/No Response
Claim Handling - Delays upon Delays
Claim Handling - Unsatisfactory Settlement/Offer
Claim Handling - Denial of Claim

Hit a dead deer in the road. Allstate adjuster came out and said damage was not consistent with hitting deer. Said that I ran over a curb. There is no scratches and bumper cover is broken with deer hair in it. Finder is bowed out and has no scratches. Now I am no C.S.I. But I can see what happened from the damage done. Plus I was driving the car when it struck the deer. I called his boss and have not heard from him. I will pay the repair bill. Then Cancel all four of my cars and have all my friends and family do the same. They know it would cost me more to take them to court than fix my car. That's why they don't care. estimate 1500.00 in damage.... Read More

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Kamau from Stockton, CA says:
May 06, 2015

Insurance Complaint against: American Income Life Insurance Company
Coverage Type: Life Insurance

Underwriting - Premium Too High
Underwriting - Forced Placement
Underwriting - Unfair Surcharge
PolicyHolder Service - Inadequate Service
PolicyHolder Service - Incompetent Employees
PolicyHolder Service - Delays/No Response
PolicyHolder Service - Payment Not Credited
PolicyHolder Service - Abusive Service
PolicyHolder Service - Inadequate Reimbursement
PolicyHolder Service - Unfair Negotiation
Marketing & Sales - High Pressure Tactics
General - I feel abused by this company

Hello my name is Kamau Burnett. I am a 38 year old healthy non smoking man. Last year in September I applied for a life insurance policy. The company I used American Income Life(AIL) sent a new worker to Take mouth swabs to test for nicotine. They claim I tested positive and that my wife tested negative. They have reported this to The MIB consumer file and have been charging me as a smoker all this time without informing me of this. I was never notified of issue. I am not now nor have I ever been a smoker. My wife does smoke and they have her listed as a non smoker. I discovered this issue in January this year while applying for mortgage protection. I have tried for 4 months now to get AIL to fix there mistake with my policy as well as my MIB report. They Are in a round about way telling me that since 99% of people lie to them about smoking, That I also am lieing even though my medical record has always shown that I don't smoke. I have gotten nothing but a run around. they started out telling me that in order to correct issue I had to allow them to do another mouth swab to test for nicotine. So I did. Weeks went by. I contacted them Several times before being told that mouth swab wont work and now they need to do a full blown medi... Read More

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Kamau from Stockton, CA says:
May 06, 2015

Insurance Complaint against: American Income Life Insurance Company
Coverage Type: Life Insurance

General - I feel abused by this company

Hello my name is Kamau Burnett. I am a 38 year old healthy non smoking man. Last year in September I applied for a life insurance policy. The company I used American Income Life(AIL) sent a new worker to Take mouth swabs to test for nicotine. They claim I tested positive and that my wife tested negative. They have reported this to The MIB consumer file and have been charging me as a smoker all this time without informing me of this. I was never notified of issue. I am not now nor have I ever been a smoker. My wife does smoke and they have her listed as a non smoker. I discovered this issue in January this year while applying for mortgage protection. I have tried for 4 months now to get AIL to fix there mistake with my policy as well as my MIB report. They Are in a round about way telling me that since 99% of people lie to them about smoking, That I also am lieing even though my medical record has always shown that I don't smoke. I have gotten nothing but a run around. they started out telling me that in order to correct issue I had to allow them to do another mouth swab to test for nicotine. So I did. Weeks went by. I contacted them Several times before being told that mouth swab wont work and now they need to do a full blown medi... Read More

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edward from staten island, NY says:
May 06, 2015

Insurance Complaint against: State Farm Insurance
Coverage Type: Homeowners Insurance

PolicyHolder Service - Inadequate Service
PolicyHolder Service - Delays/No Response
PolicyHolder Service - Unfair Negotiation
Claim Handling - Unjustified Accusations
Marketing & Sales - Misrepresentation
General - I feel abused by this company

I applied for a home owners insurance policy for the period February 11, 2013 through February 11, 2014. This policy was billed and paid semiannually. The policy was renewed for the following period February 11, 2014 through February 11, 2015. I was billed semiannually and the bills were paid. On February 4, 2015 the policy was cancelled because I sold my house. Rather then receiving a small refund as I was told I would receive, I received a bill in the mail for $55.32. No explanation was given for the bill. Although I communicated with different State Farm agents, I did not get a verbal explanation until 3 months later as to why I was being billed rather then receiving a refund. There was not one written explanation other then two letters stating that I owed money. The verbal explanation I finally received was that due to an accounting error, the February 11, 2013-February 11, 2014 policy was billed incorrectly and therefore I owe State Farm the difference of $55.32. First of all, is it legal to be charged two years later for a billing mistake made by State Farm's Accounting department two years prior? In addition, without any written correspondence, with an explanation of the charge, am I really responsible to pay this?... Read More

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Gloria A from Dallas, TX says:
April 30, 2015

Insurance Complaint against: USAA
Coverage Type: Auto/Boat/Motorcycle

Claim Handling - Denial of Claim

On April 4, 2015, I was in an accident on IH-20 going east. Three people were involved: Annette M. Greene, 912 Pine Tree Ln, DeSoto, TX 75115, who is insured with State Farm, 800-252-1932, Policy # 1365169-A16-43H, Claim # 43630L646, and Thomas Lee Burrell, 1906 Cheryl Ln, Arlington TX 76013, who is insured with USAA, (210) 531-8722, Policy # 335941531G71012; and, myself, Gloria A Hill, I am insured with Progressive. I was driving on IH-20 going east, when all of a sudden there were two (2) vehicles in my view, going across the highway. I had no time to react to the incident in question. I hit one of them, of which I thought was a green vehicle. After I made my way to the right side of the freeway, I immediately dialed 911, the Dallas Police. They asked me my location and stated that I needed to talk with the Hutchins Police Department. I talked with them and they came immediately to the scene. When the policeman began to take the incident report, Annette M. Greene admitted that all of what happened was because I did not see the vehicle in my blind spot. The policeman asked me what lane was I in, and I said the far right lane. He asked Annette M. Greene what lane was she in, and she said she was in the lane next to the far left... Read More

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