Farmers sent both myself and my wife to there I.M.E's after being rear ended in our vehicle. we put the claim on our P.I.P. after the meetings we were told in December that they would not pay any bills past October. Then they started to pay again and again My wife was sent to another I.M.E.
they again refused payment to the doctors, then started paying sparadicly when they wanted to pay.
Its still out there after a year and a half.

I was involved in an accident with an 80 year old man running a red light two years ago. My PIP is with State Farm. They sent me to an IME in December, 2006 who said I didn't need chiropractic care anymore (he was also a DC) I went to my medical doc for more treatment and was given a cortisone shot and recommendation to continue seeing a Rolfer. I still see the chiropractor or I cannot function. They have refused to pay anymore so I am still paying the bills and my income has been cut in half. I have not settled with the at fault insurance company yet as I am still in treatment and at 61 years of age not sure if I will ever work full time again. We are now in danger of losing our home we have lived in for 28 years.

I was involved in an accident in which I was injured and my insurance company paid for me to be seen and I was seeing a doctor who sent me for conservative treatment which is pretty normal, but then when it did not help and a doctor ordered an MRI and I needed surgery according to two well known Surgeons one Orthopedic the other Neuro, my insurance company suspended all my PIP benifits and made me wait until their own doctor examined me. Well their own doctor was upset that my surgery had been put off and tried calling and of course he could never speak to a real person, as they were always gone. After a bit they decided to pay and sorry to say my damage was permanent by that time. If I was a third party claim I could almost understand some investigation, but this was my own insurance company that I paid faithfully thinking they would help me as promised if the need ever arose. Well I was wrong, very wrong to the tune of a permanent disability! I was 35 when my accident happened.

I was involved in an accident in which I was injured and my insurance company paid for me to be seen and I was seeing a doctor who sent me for conservative treatment which is pretty normal, but then when it did not help and a doctor ordered an MRI and I needed surgery according to two well known Surgeons one Orthopedic the other Neuro, my insurance company suspended all my PIP benifits and made me wait until their own doctor examined me. Well their own doctor was upset that my surgery had been put off and tried calling and of course he could never speak to a real person, as they were always gone. After a bit they decided to pay and sorry to say my damage was permanent by that time. If I was a third party claim I could almost understand some investigation, but this was my own insurance company that I paid faithfully thinking they would help me as promised if the need ever arose. Well I was wrong, very wrong to the tune of a permanent disability! I was 35 when my accident happened.

I was involved in an accident in which I was injured and my insurance company paid for me to be seen and I was seeing a doctor who sent me for conservative treatment which is pretty normal, but then when it did not help and a doctor ordered an MRI and I needed surgery according to two well known Surgeons one Orthopedic the other Neuro, my insurance company suspended all my PIP benifits and made me wait until their own doctor examined me. Well their own doctor was upset that my surgery had been put off and tried calling and of course he could never speak to a real person, as they were always gone. After a bit they decided to pay and sorry to say my damage was permanent by that time. If I was a third party claim I could almost understand some investigation, but this was my own insurance company that I paid faithfully thinking they would help me as promised if the need ever arose. Well I was wrong, very wrong to the tune of a permanent disability! I was 35 when my accident happened.

When I was a kid just getting out on my own, I chose the "good hands" at Allstate. After two months of coverage I was involved in a 14 car pile-up in the snow. I was car number 9 and was struck by both number 10 and 11. Allstate informed me that everyone involved had decided to settle thier own matters and not go through with the claims against each other. They then informed me that I was no longer covered by Allstate because I was involved in an accident within the first 90 days of the policy even though the claims had been dropped and no citations were given.
Yes, I would say there is no such thing as "good hands" when it comes to Allstate.
Too bad for them though, as I have been accident free in the 25 plus years since and my premiums have been going to another insurance company.
Hope the court makes the right decision; for the people.

Insurance is just a scam.
They get in Kahoots with lawmakers to Mandate coverage so you HAVE to give them (insurance) money. Market gets manipulated such that not having insurance is scary (medical). Then when it's time for them to pay. . . .they hide.

It's not just car insurance that Allstate plays this game with. My condo association used Allstate and when we had some structural damage they refused to pay. We had to sue them and the case went all the way to the state Supreme Court before we won and they were forced to pay. I would never even consider using them for any type of insurance.

Another allstate mantra: the motorcycle is ALWAYS at fault. Thank god that I was Active Duty Navy, and so was treated without question. However, what I did not know is that if you do finally get a settlement, the DOD is entitled for reimbursement of cost. Another lucky break for me when my Attorney, Mr. Ken Anderson, not only waived his fee, but negotiated with the Navy to waive the reimbursement as well. Mr. Anderson was tired of fighting allstate (not capitalized intentionally - you are NOT in good hands with allstate)

I was involved in a hit and run a little over two years ago. I got the license plate and Allstate caught up with the person, but I had to open a UIM because he had no insurance. Allstate denied/stalled payment on my claims, cut me off before I was completely better by sending me to one of their QUACK doctors (that told me I wasn't having headaches, that I was faking it more or less)and even sent a PI to follow me, claiming I was faking my injuries!

Now that I am finally back to 100%, I have over $300 in medical bills I have to pay out of my own pocket AND Allstate 'closed' my UIM claim before settlement, claiming they sent me a $500 settlement offer in the mail (that I never got, and that's a joke in the first place) and since I didn't reply, I now get nothing.

The only way I got a huge chunk of my bills paid in the first place was because I had to threaten Allstate and my (lousy) adjuster with contacting the Insurance Commissioner regarding my situation. Payment was then received quite promptly.

On a final note, DO NOT listen to the 'Reject R-67' commercials you keep hearing - They are the result of insurance companies dumping millions of dollars to confuse the public. The Insurance Commissioner himself has put out a letter to the public setting the story straight, I highly suggest reading it. Because as things stand, it's probably more profitable to pay the mafia your insurance premiums than Allstate.

YES!!! This happened to me too. Geico refused to pay on my uninsured motorist protection for over 3 years. I had to get an attorney. It is now over 6 years later, and I still have not recovered financially, and still have injury issues that cause pain.

The additional mental, emotional, and financial stress caused by Geico's lack of cooperation, was huge. I almost lost my home because Geico would not honor my policy. I also want to mention that I had the very best coverage on my policy, because I am self employed and wanted to make sure I was extra protected if there was ever an accident. Boy was I mistaken!

My advice: BUYER BEWARE! If you think you can rely on your auto policy to protect you if you become injured and it affects your ability to work, YOU ARE WRONG! I suggest getting a separate policy that will cover you for unexpected disability, (and then pray alot that you will be protected with the separate policy).

This is not just the case in "minor or medium accidents" but happens at every level even when the fault is clear.

In January 2001, I was hit head-on by a car that crossed two lanes. He was going over 55 in a 45 and the impact at which he hit me almost sent my car off the road and down a ravine. When the cars came to a standstill, over 10 feet apart due to the violent impact, my passenger brother (age 13) was in shock and suffering from internal bleeding of a lacerated liver. I had a dislocated shoulder, broken bone in my foot, separation of the clavicle and sternum, bone calcification, whiplash, PTSD, and most of my body was covered in severe ecchymosis (bruising where my tissue liquidated and blood/fluids filled the area causing hematomas and permanent cysts). Not only had I crushed the steering wheel but the engine block was forced into the compartment and I was trapped!

The pictures from the scene were horrific. I was told I was lucky to be alive. The paramedics and police at the scene all gave 100% of the fault of this accident to the other driver. His insurance company (Geico) paid out instantly as this guy only had a $25,000 policy (which was below the medical bills alone). When I opened a UIM claim against my insurance I didn't realize how hard my own company would work against me.

Nationwide Insurance delayed paying medical bills that should have been covered under my POP. I couldn't walk for over 8 months and had to go through painful rehabilitation medicine and occupational therapy. My job was gone because I couldn't work and it was a struggle to pay even the smallest bills. So thousands in med bills that should have PIP payouts ended up going to collections while I went through years of recovery.

In the end it took over 2 years of fighting Nationwide to get anything. I had to sell some of my possessions, move back with my mother (at 26 years old), give up my career, and work daily at getting back to a normal, healthy life.

In the end, when my day finally came in arbitration I felt victimized for a THIRD time. Here I was presented by their lawyers with a view that I caused the accident myself because I was suicidal due to my bipolar disorder I had suffered years earlier. There I am in a room with 5 lawyers sitting around a table trying to defend myself against my own medical records from years before on a subject that had NOTHING to do with my current case. They tried to point me as someone who was looking to kill myself and that the fault of the accident was on me. I had to sit there for hours crying and fighting them in this closed room. In the end my wonderful attorney helped me through and I was strong in letting them know the true particulars of the case. In the end I was awarded $162,000 (but could only collect on $100K because of my policy limit). But after paying attorney fees of 25% (I was lucky) and paying off my tens of thousands in med bills I was left with just enough to try getting out on my own again. I am still trying to bounce back as my credit is still tarnished by their misdeeds and I had to start my career track from the beginning again after being out of the workforce for over 2 years while learning to walk and get around again.

This should be illegal!!! That's why I'm voting YES ON R-67!!!! Insurance companies should not be allowed to take advantage of their own clients in such a manner. They should have to pay in a short timeframe on reasonable claims.

YES ON R-67!!!

I am so glad State Farm is one of the two main culprits getting some overdue publicity!
My car was totaled by a 16 year old driver, (probably her first time on the road. As many of you have probably experienced, I went through their process of trying to get my car replaced with one of the same value. They sent me a list with a few Junkers scattered all over the western half of the United States that were not even close to the same model as my car. It was a total scam! It took State Farm 6 months to pay me half what my car was worth. They would have been perfectly willing to wait until I died and have kept it all.

State Farm would not even honor the policies for the Katrina victims!

Is that a clue or what???

The lies we hear every few minutes to reject 67 are just that, lies. State Farm and the rest of those crooked companies would only have to pay “triple damages” if they won’t honor the policies and pay their obligations to start with. They threaten us with a big rate increase. Only the criminal companies would need to raise their rates. We could simply make the change to honest companies and solve that problem.

I am very sorry to here about the problems that everyone else has had. Please be advised that car accidents are not the only place that Allstate will screw your world!!!!

My familyhad a house fire a little over a year ago. This esulted in a TOTAL LOSS!! My family grew up in this home and we lost close to 25 years of memories, our home and our belongings. Initially, Allstate was helpful, they paid for the hotel, money to purchase clothes, etc. However, even after the fire chief, and repeted allstate inspectors reported that we had nothing to do with the fire they continued to now deny the claim. Stating that they needed to "investigate" they even hired a "arson" specialist.

It has been a year and my family has received nothing more from Allstate than bad credit, mounting bills, worsing health, and anxiety. Wehave also been forced to pay on the mortgage of the burnt home and rent on the home we now live in.
The icing on the cake ws when they called to say that they were not renewing our policy!!! Due to a claim made. Additionally, due to this claim made and that it is still open we are unable to get any kind of insurance at this time. Therefore their in no insurance on the property, we can not have renters insurance and wecan get no builders insurance if we are ever able to rebuild on our property.

Everytime, I see an allstate commercial where they claim you are in good hands, I so desperately want to do a public service announcement and rebuff everything they say!! I wish that Allstate could be taken down for their illegal practices in addition to their over all lack of morals towards people in general.

Also after doing some research, I found out that Allstate has been "kicked" out of two different states becasue of how they practice business, let all pray that we could be that lucky in Washington as well!

In many cases, state worker's compensation is handled the same way. The state is bad enough but right now in Washington, some large companies are allowed to self-insure - purchase their policies from private companies. What that means is that they are free to use the dishonest methods the insurance companies enjoy. Across the country there is constant pressure to allow more businesses to go self-insured.
As your story points out, their business practices may fall under trade secrets so there is no oversight.

I worked for an insurance company and beleive that there are a lot of minor corners cut when it comes to the physical damage side of a claim. However, there are way too many people that become opportunistic with injury claims and insurance companies have to be leary when paying for large amounts of treatment for injuries that have no physical presence.

I was insured by Allstate for many years. I left them after my second claim. The first was for an automobile accident. My wife was stopped in a turn lane when she was sideswiped by another car. The other car left the scene, but the driver was eventually located and identified. Allstate said that because the police had not seen his car at the time of the collision, that I would have to fix my car under my 'collision' policy, pay a deductible, and watch my rates go up. The second claim was when a burglar broke in to our house. He smashed a window to get in. Allstate clasified the broken window as a vandalism and the loss from inside as a burglary, thereby charging me two deductibles. I had a "guaranteed replacement" clause in my policy that cost me more money. Allstate said that they would not honor that unless I could produce the original receipts for everything that was taken. That was after they declined to accept the inventory of household goods that I offered them when I bought the policy. Allstate may be many things, but "good hands" is not one of them.

Three years ago November I was hit by a DRUNK DRIVER and I am the one going through H e (double) L! After three years and 11 post-pondment for her court case, (not her first)we finaly went to mediation. I too was rung over the coals, left to dought myself and wounder what I did wrong. After two and a half years Allstate sent me to two of their doctors at my Attorney's office for an exam? They said there was nothing wrong with me and that my ciropractor had unnessary visits. I had no medical insurance, I was forced to change jobs due to the fact I could no longer perform the work I was doing before the accident without pain. I missed no work all this time and so they said I was not injured. I tried to explain to them I work thru my pain when possible and take advil if needed. Again, because I didn't rack up the doctor bills, or x-rays "Im not injured". After mediation the judge awarded me $21,000. Of the $21,000, $9,000 goes to doctor and 40% to my attorney. Alstate's attorney came back with a low ball offer of $14,499. Not official as of yet. My attorney said it was an e-mail an associate in his office got from someone in the defendants attorney office? Whats with other attorney's sending e-mails about someone not their client? I told my attorney "No way". Headach's, neck and sholder pain off and on not to mention I hated my Navigator after that and never felt safe in it again. Then I saw your news cast that very night my attorney called me. I can't tell you how good it felt to know I was not the only one going through this. Don't get me wrong, I wish this on NO ONE. It truly is ugly! I will keep the name of her attorney just incase I ever need another attorney! She is a reall ball buster!!