Auto Insurance Part 1


Auto Insurance - cheapautoinsurancequote-online.blogspot.com
traffic accidents across her back to life those dealing with insurance
companies to pay them to protect you get the idea
but some accident victim say they're being forced to settle or go to court
because their claims are denied
we want to know the facts and in a scene investigation we look into whether some
big-name insurers are
more interested in profit and policyholders chance for Griffin tonight
keep them honest
reflected in this country every five seconds it happen in Santa Fe New Mexico
much the way all-state describes it in its commercials
rocks and Martinez driving down surreal
wrote about noon when the SUV pulled out from just to get dry
like a member you know like eating their driver side window
and I just I don't know the passenger side had been sideswiped
on the driver's side rocks and was smashed against the window
I had upper back pain it to cut Proctor's physical therapy at the fact
that both acupuncture
they coming up my spine was damaged the person driving the SUV that hit Martinez
was ticketed
and had insurance all-state that was good because Martinez was racking up
bills plenty of them
cat-scans doctor visits X-rays all bill she thought
all state would cover but after three years of fighting over bills
and still hurting from the accident all-state game with a take it or leave
it offer
fifteen thousand dollars palette for
I guess the car medic call
I'm penelas everything unite up
paid pay all your bills then you know keep on paying a medical bill
rocks and Martinez was battling all-state per second biggest
auto insurer in the nation what she didn't know was that both all-state and
the largest
auto insurer State Farm had changed the way they handled so-called
minor crashes like hers in an 18-month investigation across the country CNN
found that if you are injured in a minor accident
chances are high the two companies would challenge or medical claim
offering you barely up fraction up your expenses they would do it by forcing
people into court
dragging out court cases for years and by convincing the public it was
all designed a fight growing broad in the car accident business
in
but documents examined by CNN indicate the motive was profit
and allstate has gone to great lengths to keep those documents secret in
two states were allstate has been sued the company has defied judges orders to
make the documents public
according to Nevada insurance law professor Jeff stempel
the new get-tough strategy is adding up to billions in profit for the insurance
companies
and little if anything for the public we can see the policyholders individually
are getting her
by being dragged into court and fender bender claims in it we don't see any
collateral benefit in the form of reduced to premiums even for the other
policyholders so
I think now we can say to continue this kinda program is in my view
institutional has been at the we wanted to ask Allstate and State Farm
all about this on camera in an interview
but they both said no all-state did send us an email
in an e-mail all-state told us it did not believe it would have any
real opportunity of being successful in getting
CNN to do a balanced report State Farm send an email to
saying we take customer service seriously and seek to pay what we owe
probably courteously and efficiently
and we handle each claim on its own merits and State Farm
also added this any attempt to generalize
that State Farm has adopted consultant recommendations
as other insurers is just plain wrong
who is the consultant State Farm refers to
the giant the consulting industry McKinsey & Company
hired by both State Farm and all-state McKinsey & Company said it does not
discuss
any of its clients business and at the same time rocks and Martinez but she was
in good hands with Allstate
all-state was being advised by Mackenzie in writing
to put boxing gloves on those good a chance
that strategy says martinez's lawyer
was to take valid claims and pay pennies on the dollar
attorney david brudnoy is written a book about it and is challenging all-state
strategy
and what he hopes will be a class action lawsuit
so if you wanted to increase profit you would try to chop
the small claim sure if you could take a thousand dollars
of love a million claims
do the math lotta money lotta money
Shannon chametz wasn't Allstate claims agent in New Mexico before she became a
cop
she says she was trained by Allstate to treat most minor accident victims
as broad and offer them as little as possible
home two hundred dollars a 5-yard proper people fifty dollars
they have minimal damage to the back up their vehicle and they're playing with
other
then commits got to see the insurance strategy first hand
from the other side right turn around to get in a car accident myself my car has
minimal damage and I can't walk
and I really whoa what am i doing this is not right
a really came down to three basic element a position of delay
opposition have denying a claim and then ultimately of course
defending that claim that you do loud the three days
exactly Jim Mathis is a former insurance company
insider who now testifies against insurance companies
in court and the profits are you
profits a good and as long as the public
allows this to occur the insurance companies will get richer
and people will not get her pair and reasonable settlement
period insurers don't blanket deny claims
on any grounds whatsoever Robert Hartwig is president of the Insurance
Information Institute and insurance industry trade group
when insurers are trying to do is monitor costs
and then every insurer is under the same pressure to do it
and this all state training manual obtained by CNN
details how that was going to be done
by forcing what the manual calls smaller
walk away settlements the walk away settlement for rocks and Martinez was at
take it or leave it offer up fifteen thousand dollars
that came three years after her accident
she said that would pay a little more than half other costs
kinda I when you think you like a night they are really bro
guard you know it and went back to that was very stressful
number drops and Martinez decided instead to taking all states offer she
would take all state to court
will tell you what would happen if you take ensure is coming to court next on
360 - Auto Insurance Part 1
well