Insurance Complaints - InsuranceComplaint.com

Andrew from Moorpark, says:
March 09, 2012

Insurance Complaint against: Mercury Insurance Group
Coverage Type: Auto/Boat/Motorcycle

Claim Handling - Denial of Claim
Marketing & Sales - Misrepresentation
General - I feel abused by this company

I recently submitted a claim to Mercury Insurance under my Homeowner's policy. Policy is not based on exclusions, rather inclusions, and a very improbable and specific list at that. While my personal property may be covered during spontaneous combustion, airplane crash, or lightning strike, falling off a truck is not an acceptable condition, unless I get in a car accident in the process. Moreover, they would not assign my case to a different claims adjuster even after I made a complaint to the supervisor. This is a two-fold issue, unreasonable exclusion of coverage plus poor customer service. The manager, Gary, was very diplomatic and tried to explain the coverage exclusion, but refused to understand that I am also upset at the way this was handled by the claims adjuster and his supervisor. Before any of this they tried to tell me that I had no policy in force, even though I had a copy of it in my hand, paid in full for the year. Regardless of whether this claim is eventually paid, Mercury has lost a customer for Home and Auto insurance. I was hit from behind by their driver. It left me with no job and 30 grand of medical bills. His policy is 25 thousand dollars max and the car alone was damaged for 12 thousand dollars. They... Read More

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Fred says:
March 10, 2012 at 2:26 PM

Wow! You need a lawyer

barbera from Freehold, NJ says:
March 09, 2012

Insurance Complaint against: Liberty Mutual
Coverage Type: Auto/Boat/Motorcycle

PolicyHolder Service - Incompetent Employees
PolicyHolder Service - Delays/No Response

I just don't know how long I have to wait to hear something with this dangerous situation I have existing on my property. No one seems to care at all, and I had no part in this accident which occurred on my lawn by the client of Liberty Mutual Insurance Group of Somerset, NJ. This winter might be my waterloo, and the tree might well come down in any storm with high winds or heavy rains (to say nothing of heavy snow). And it had the capability of going into the close street where there are many school buses and much regular traffic. I cannot see how any "responsible" insurance company or your office cannot be totally aware of this status, and how neither of you can see it is of the essence. But, obviously you both do, since this is over a year that I am fighting for my rights. Ms. Brenda **, Liberty Mutual's Claims Team Manager, has libeled me in her letter to me. She said I have committed insurance fraud by insinuating my "own insurance company has said that this tree is not damaged." I have never gone through my insurance company with this claim. Why would I? It was Liberty Mutual's driver who received a ticket (as told to me by police) for reckless driving for missing the curve in the road and driving into my property caus... Read More

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richard from Puyallup, says:
March 09, 2012

Insurance Complaint against: Aetna
Coverage Type: Disability Insurance

PolicyHolder Service - Delays/No Response
Claim Handling - Delays upon Delays
Claim Handling - Unsatisfactory Settlement/Offer

I have been on a short term disability starting August 2011 thru January 2012 for a medical issue that required surgery in December 2011. This was not work related. I have never had an interruption in my disability payment due to providing all info they asked for in a timely matter. When asked for tell December 2011 they stopped paying due to not receiving my attending physician statement, but in fact it was faxed one month earlier on November 2, 2011. I have the proof it was faxed twice and received. I feel they intentionally stopped paying me as harassment two weeks before Christmas and made it so difficult and made my family suffer thru the holidays with no income for a month before it was reinstated with back pay. I was in contact with them everyday and got nothing more then the run around. Not one letter or a phone call from them to inform me that the info wasn't received; they just stopped sending my check. I called them one hour after every fax to confirm they had received and they said yes. This resulted to loss of income for the month of December 2011. They ruined my family's holiday season this year due to the fact we had gifts on hold at stores and we had no income to pick them up. I'm unable to pay mortgage and bill... Read More

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Sandeep117 says:
October 17, 2012 at 8:40 AM

ilove aetna

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karen from stillwell, says:
March 09, 2012

Insurance Complaint against: Hartford
Coverage Type: Life Insurance

General - I feel abused by this company

I was abused by Hartford. My husband had a variable life insurance policy for nearly 20 years with automatic payment from our checking account. I received a letter one month stating a cash value low and that we needed to up the payment--they could not say to what amount. We were told to send a blank check, which we did not do. Next month, they lapsed the policy. So now, we don't have any life insurance. We filed a complaint with state insurance commissioner's office but they sided with Hartford.... Read More

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Mary Shelmire with NIA says:
July 18, 2013 at 10:46 PM

u possibly had an underfunded Univ. life policy? It is legal to fund them at a minimum to have the policy act as if it is only say 10 year term. I am a broker in Texas if you need any help.

Name Witheld due to Health Care Privacy from St Pete, Fl says:
March 09, 2012

Insurance Complaint against: Aetna
Coverage Type: Health Insurance

Claim Handling - Delays upon Delays
Claim Handling - Unsatisfactory Settlement/Offer
Claim Handling - Denial of Claim

I submitted three medical expenses which are identical other than the names: One is myself, one for wife and one for my son. Diagnosed with upper respiratory infection, I was given a prescription. One out of the three were paid. The other two were denied. It has been less than six months and each time I call, they just say an item needs clarification and gets resubmitted. It is now getting old. Any suggestions? Maybe someone may know a special number to call for the company that actually get you some real help and action from someone in the company to solve the problem. Or realize there is no problem and paperwork looks in order. Approved, you will receive a check in two weeks reimbursing you for the medical expense which I am entitled to.... Read More

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Name Witheld due to Health Care Privacy from Merrimack, NY says:
March 08, 2012

Insurance Complaint against: Prudential Financial
Coverage Type: Health Insurance

Claim Handling - Rude/Abusive Adjuster
Claim Handling - Delays upon Delays
General - I feel abused by this company

In November 2011, I contacted Prudential Life to ask about the process for a "smoker rating" reduction. I received a letter stating I need to contact them after 1 full year. In early January 2012, I contacted Prudential Life to ask again. They referred me to rep Doug **. He sent a form for my signature. I signed and returned it immediately. On January 23, I received a call from an underwriter who asked my full medical history. Never heard anything further. Then on February 14, I called my rep; and he advised me I had signed the wrong form. I signed a new form 96200F and mailed it on February 14. Two weeks later, I had still not heard anything. On February 28(?), I called the CSO and had a very difficult time getting information from "Lanie." Being frustrated, I then talked to Roberta ** (a supervisor), who after a lengthy conversation, said she couldn't any my question. I couldn't speak with anyone handling the case; I needed to contact my rep. They refused to provide good customer service.... Read More

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Tim says:
May 17, 2012 at 9:56 PM

That's awful! like you have all the time in the world to make them do their job!

Name Witheld due to Health Care Privacy from Baltimore, MD says:
March 08, 2012

Insurance Complaint against: MetLife
Coverage Type: Health Insurance

General - I feel abused by this company

I have been sick (on-going) for the past couple of years and have submitted 2 claims that has been a hassle the entire time with the company. My first claim was due to surgery and I had to submit all this paperwork while almost dying, which caused several issues with my paycheck. The second claim was the same thing: I was in a bad situation health-wise and no matter what my claim gets denied. I am not faking an illness and found out I have 2 masses on my kidneys, so I do not need this nonsense with a company that knows my medical history denying my claims. I have worked too hard to get to where I am for the denial to cause me to lose my job.... Read More

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Carol says:
May 17, 2012 at 9:54 PM

Michelle so sorry your health is failing you. I think you should get a good attorney and fight metlife. You are going to need medical attention for quite some time until you beat this disease.

Jessica from Sacramento, CA says:
March 08, 2012

Insurance Complaint against: AIG
Coverage Type: Life Insurance

PolicyHolder Service - Delays/No Response

My husband and I are the beneficiaries for my mother-n-law's life insurance policy. My mother-n-law has passed away on 10/5/08 due to a charter bus overturned. Today, we have not even receive our pay out on the policy. It has been about 5 months now and AIG hasn't even make a verdict on the policy yet. We have been as patient as we can but it is getting me furious now because I don't understand the hold up on the policy. It's an accidental death, why is it taking this long? MY husband has contacted M. Machac numerous time but he always have a excuse that he's awaiting for documents from Walgreen. This is ridiculous. What do we have to do to get paid? We need help! My husband and I had spent a lot of money on my mother-n-law's funeral. We need the money back in our account so we can buy our first home. This is holding up our ability to buy a house.... Read More

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Chris says:
May 17, 2012 at 10:06 PM

So sorry for your lost! This is so bad...can't believe Machac is giving you the run aroud. You need an attorney...they will never pay you from the sound of your complaint. I had a house fire back in 2007 and if I didn't hire a lawyer who deals with insurance companies, I would of never gotten the money to replace all the damages. It doesn't seem AIG has any intention in paying you.

Name Witheld due to Health Care Privacy from Yorkville, says:
March 08, 2012

Insurance Complaint against: Blue Cross and Blue Shield Association
Coverage Type: Health Insurance

Underwriting - Cancellation
PolicyHolder Service - Denied Access to Services

I began on the Blue Cross Blue Shield Insurance Plan through my new job. On a Friday, I attempted to have a prescription filled using my Blue Cross Blue Shield card only to be told by the pharmacist that my card was flagged. After further investigation, the pharmacist stated that Blue Cross flagged my account because I had another active insurance plan. My previous plan ended Feb. 29th (I called my previous insurance provider to verify this fact) and Blue Cross stated that the insurance plan was still active according to their system as of March 5th. After several back and forth with the pharmacy, my former insurance and Blue Cross and Blue Shield, I was finally informed from Blue Cross that the flag was to be removed from my account (this was at about 12:30 p.m.) and it would take about 2 hours to correct. At about 5 pm the same day, the flag was still on my account. When I called Blue Cross and Blue Shield, they stated that now I would have to get a written letter from my former insurance provider and have it sent to them verifying that I no longer have the old insurance. I then requested to speak to a manager to explain to me why one person tells me the flag will be removed within 2 hours and another state I need a letter... Read More

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Name Witheld due to Health Care Privacy from Wayne, NJ says:
March 08, 2012

Insurance Complaint against: Horizon Blue Cross Blue Shield
Coverage Type: Health Insurance

PolicyHolder Service - Inadequate Service
General - I feel abused by this company

I had health insurance with Horizon Blue Cross Blue Shield of New Jersey (Horizon). In network outpatient lab work was provided by Laboratory Corporation of America Holdings (Labcorp). Due to the limitations of the policy, there was a limit of $500.00 per year for this benefit. During October 2010, I visited my primary doctor. Blood was drawn and sent to Labcorp. Horizon was billed for four (4) tests - two (2) were paid in full, one was paid partially and the last was not paid. The explanation of benefits sent to me did not show the remaining balance for outpatient testing. For the partially paid test, Horizon was billed at $104.00, allowed amount $20.21, and paid $1.85. The last test was billed at $66.00, allowed amount $11.68, not paid. When this first started, I offered to pay the unpaid contract amounts of $30.04. It was not accepted. I see no reason why I should pay more than five times the contract amount for a test. Also, I have not worked since January 2008 and can't afford to pay $66.00. If you have Horizon for health insurance or any other health insurance that uses Labcorp as the exclusive outpatient testing service, then you should look for new insurance.... Read More

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Ann says:
September 5, 2012 at 5:34 PM

I'm sorry you had to deal with this. However this has nothing to do with your insurance company, this has to do with the lab. If your EOB states that the price is $30.04 and that you are not responsible for the rest according to your insurance company, you do not have to pay the full $66.00. However, if the EOB from your insurance company says you are responsible for the balance, you do have to pay it. Send them $10.00 per month until it is paid.

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