Farmers Insurance denies claim
then caves in only after pressure
from Insurance Commissioner and Public. Danny Westneat a columnist of the Seattle Times wrote a series of
articles about Ethel Adams. Ethel was in a multi car auto accident in
Seattle. "Farmers Insurance has decided not to pay her a penny because
they say someone caused Adams' crash on purpose." They said this was not
considered an "accident".
Ethel Adams was cut from her car, doctors debated if Ethel Adams would
live or walk. She spent nine days in a coma, she had collapsed lungs,
seventeen broken bones, spent one month in a hospital and five months in a
nursing home. She is also confined to a wheelchair as you can see in the
Ethel Adam's employer had $2,000,000 of insurance coverage with Farmers
Insurance Group. Farmers had used what is referred to as "exploiting
technical loopholes" to make attempts to avoid paying Ethel Adams.
Washington State Insurance Commissioner Mike Kreidler told Farmers
Insurance they have until October 20, 2005 to justify their position for
not honoring the claim of Ethel Adams. On October 20th Farmers decided the
right thing to do was to pay Ethel Adams.
Farmers Insurance only caved in after being threatened with a lawsuit by
Insurance Commissioner Mike Kreidler, complaints by the public, as well as
national television exposure by both "Good Morning America" and Fox's "The
O'Reilly Factor," which were planning stories.Read the
articles below for more detail.
Some quotes from Insurance Commissioner Mike Kreidler: "They’re
just wrong, and it’s obvious they’re wrong. The bottom line is they are
going to pay this claim."...."If the company continues to refuse
to pay, the state will initiate an administrative hearing accusing Farmers
of violating the insurance code. That’s the first step in suing them."..."We
could always suspend their certificate to do business in this state as
the letter in which Farmers denies the claim (6/22/2005).
It states, "Truck concludes that he acted intentionally in ramming
Campo’s vehicle, causing it to overturn and pushing it into the southbound
lanes of Aurora Avenue, and thereby causing the multiple vehicle collision
that resulted in injury to Ms. Adams. Testa’s conduct does not
satisfy the application definition of "accident". Truck is
denying coverage for UIM claims based on Testa’s conduct for this
reason." (Pg 4, Para 6)
from the WA Department of Insurance to Farmers Insurance (10/17/2005). It
states, "The information available to us at his point demonstrates that the denial of her claim by your company is not only
unconscionable, but is contrary to public policy."
"...when you need them most, they do something like this."
"This is everybody’s worst nightmare. You know you have insurance -- you’ve paid for it -- and you’ve got these massive injuries. Then to be told, ’No, you don’t have coverage,’ it was like someone punched me in the stomach. It makes you physically ill."
But I don’t agree Farmers "did the right thing." More
like they were left no choice but to stop doing the wrong thing.
- Ethel Adams
"Gets you back where you belong"? Maybe. If where you belong is in the pit of insurance hell.
- Ken Schram,
"I think I’ve counted five different times
where the company has said, ’We’re denying you coverage,’" he
said......"I battle with insurance companies all the time, but I’ve
never had a case where they tried to claim it’s not an accident.
Even that’s a new one for me." Paul L. Stritmatter (Ethel
"This is about as low as an insurance company can possibly go," -said one of the messages to Kreidler’s office.
"Ethel Adams’ insurance carrier tried to
apply an imaginative interpretation of the law to keep from paying
her claim," said WA State Insurance Commissioner
"She was an innocent driver severely injured by a road-rage incident. She was in a coma and disabled for life. But her insurance company still denied her claim." -WA State Insurance Commissioner
site is published as a public service to warn consumers of the business
practices of Farmers Insurance Group. This site is in no way
affiliated, connected with, or sponsored by Farmers Insurance Group or any of
its subsidiaries. All content and information on this site is my opinion or the
opinion of those referenced. This site is for educational purposes. The information in the Forums
or from other people, blogs or web sites are provided at face value, we have not confirmed
any of these stories/opinions. Copyrighted material has been used for non-commercial purposes
only. By accessing this site you agree to immediately contact
us to report any incorrect data or misrepresentations of facts. We are not responsible for accuracy in
story content. Individuals, news organizations, companies or government agencies referenced on this web site do not endorse this web site and are not affiliated with it (copyrighted materials used without permission). Links to any other sites are for informational purposes only and should not be considered
an endorsement of the site.
- FarmersInsuranceGroupSucks.com - All Rights Reserved - Gripe site about Farmers Insurance