Tuesday 5th of June 2018 12:50:02 PM
In Sept 2013, I was into bone accident while pulling a trailer and turning left, I was slammed into at 55+mph, and was pushed into a ditch about 25 ft away. As a result of the accident, I suffered 2 disc injuries and neck and back muscle damage, headaches, etc. My claims adjuster made it clear if I was not returning to work in 90 days, she would attempt to close claim by sending me to a IME. I later found this is a ploy to close your auto medical benefits. Upon investigation, the IME at hand is on probation with the Dept of Health and Regulatory Affairs for conduct of lying and manipulation, etc and lack of good moral character. I have recorded all this info. They then closed my claim. When I asked to see someone more legit, since they were hiring their friend to do the IME, they declined. We are now going to court (please contact me if u have similar exp with this co). My wife and I are not rich people, we own a home and we both operate small companies, we have children and a quality of living we have been unable to maintain. Since I climb trees for trimming and haul wood, boats and outdoor service, these injuries have made these tasks impossible and our own ins has made this experience worse than I ever could of conceived. Our adjuster has spoken to us with disrespect and has attempted to steer the conversation for me to agree with her. I have unpaid bills from over 7 visits and treatments in the last 90 days from the accident. They are challenging. See I found out, for them, it's easier to refuse to pay and go to court later if you can because most people get lost in the wind and give up their rights. Not only has our bills suffered, but my medical state has worsened and is not being treated. And the last dr referred me to a spine center for a disc and pain pushing on spine. Frankenmuth denied me from going there and is mad. I refused to see the IME they wanted me to see so they could close claim anyway. Our adjuster freely has spoken and yelled at me several times where we could not talk without an argument. Then it hit me... I'm not doing what her boss wants and they don't want to honor our policy and cover my treatments and work loss. They just want our premiums sent on time. Even get this, we cancelled our policy on my truck as it was totaled out. Instead of refunding my $100, they kept it, saying they are gonna credit 20 a month toward my other ins policy. I think this is un-American and I am American and have chosen to just go to court and have it all recorded and looked at by a jury like myself. I don't believe 1 person will agree with ins company and their action. This Accident could have been handled way better and professional and our family would not be in chaos. It has caused our family not only financial struggle but relationships have been tested with friends and family, and the stress level we believe our own ins has raised is unacceptable. I guess if you ever need to open a claim in the future, don't use this company. They will make you feel like you are asking too much. They will start false fights and discrepancies with you all in attempt to close your claim, leaving you and your family in a mess of injuries and bills, if your family makes it through the injuries process. Oh, they offered me 10k to close the claim. I declined, not knowing the amount that would be the final cost. 2 weeks later they closed my claim. 2 weeks later I got a lawyer. In 2 more weeks I'll be in-front of the ins building holding signs and communicating with pedestrians, with friends and family.