Wednesday 30th of November 2016 05:13:12 PM
I have had three claims with the Hartford insurance company, I'm 53 yrs old and original bought the Hartford automobile policy through an advert from I seen in my AARP magazine. Two of the claims were not my fault, I am disabled through a serious technical spine surgeries that can be best viewed on a current Netflix documentary called 'The Bleeding Edge'. I cannot drive for longer than a 30 min period. I lived in a very rural area of Colorado while these claims occurred. I've got to hire help in my home and to drive me to and from Denver to my doctor appointments. While I first signed up with the Hartford I made the Hartford well aware of this fact. I was assured that anyone I allowed to drive my car would be covered under my policy. I was driving a 2005 Cadillac DTS under 65,000 miles, fully loaded, lt pearl blue. Mint condition, I purchased from an estate of a 91 yr old very wealthy woman. The car was in near brand new condition inside and out.This was to be the last automobile I ever bought, and I was taking care to share the ongoing condition of it as the woman before me had done. Within several months of transferring my old Audi to the Cadillac with the Hartford my car was STOLEN and wrecked through an airport fence. The airbags did not deploy, the car was taken early in the AM and drove back to my house, parked and left. This was detailed in a very drawn out Colo state patrol investigation, as well as county sheriff's department.Long story short, the 16-17-year-old male I'd hired to mow my lawn and surrounding meadow had taken the car while I slept wrecked it, drove it back and took for his grandparents home where he lived. I was unaware of the youth's actions until later into the investigation. I hired a prestigious attorney known for his outstanding abilities by his peers as well as nationwide. I had to hire the attorney due to local sheriff's deputies stepping well out of bounds as well as the Colo state patrolman working with the sheriff's department.I was never offered or gave at request any insurance information from the Guardians. I was never informed I could request monies from the family within a 90 day period. The Hartford was aware of the issues surrounding the legal situation yet sat in silence. Actually it felt more like a witch Hunt by every make involved which it was all makes I dealt with in every capacity. I literally felt strong-armed by both my insurance and local sheriff's department. I later understood this was probably due to the fact I owned a rather large home with land inside the town, I had no large debts, no criminal history, paid taxes on several homes within the county for over 35 years including a duplex. I was responsibly insured, both auto and home, prior business. A very nice savings account. I was in a different tax bracket. I had no doubt the deputy who was on my case had wanted to purchase my home and property at a point where I was thinking of relocating permanently to Europe. I denied the deputy any response regarding selling my property. I reported feeling harassed by him and the adjusters. Thankfully I had a great attorney to lean on.This next line is important... Right before I was set to meet these people, including the sheriff's department in a courtroom the lead deputy was fired and arrested. The next deputy involved is currently facing charges, and was arrested on route to Florida. It's worth noting that deputy is the son of the county commissioner at the time. The county commissioners overlook and are in charge of the sheriff's department. Conflict of interest? You be the judge. I currently am waiting on a settlement to be reached with the Hartford by council I hired. Suing the sheriff's department would be better done while I do not live in a corrupt county. My struggle with the Hartford was and is, why didn't they stand beside their customer of time and take action with me, help educate me of the insurance legally available options? I do not have a HATRED of men, not at all... I've two very successful sons I raised. I did though in every aspect of this case feel I was not going to be respected by any of these men. As stated I felt ran over by EACH of them. I was able to determine how the young man obtained the keys to my car, and later my home. I had trusted him with a riding mower key that was attached to my car and house keys. He'd decided to joy ride a beautiful car with a V8.Now, Because no motor damage was caused, 5,000$ damage to the outside of the car, light damage to the inside from debris, a vacuum would of cleaned that mess.My car was actually totaled by an adjuster at the Hartford. Tho comps for my car on lot of reputable car dealerships came in at over 8,000-9,000$. I had paid 7,000$. No more than a thousand miles were added to the car. Still under 65,000 miles. I was gave comps for my car from vehicle salvage lots, and also from a dealership in South Dakota with five 5! Previous owners and twice the mileage. I was unaware of the comps being pulled from lots some BUY HERE PAY HERE purchase at auction, a variety of repossessed cars, cars that were involved in accidents being lightly repaired and re-sold. My son who once worked at a high-end Toyota dealership pointed out where my comps we're coming from.He was able to obtain over 4 comps in my area, not South Dakota that were car for car comparable for sale at reputable dealerships. These comps were sent to the Hartford and I had to stay strong and dispute a variety of ruthless adjusters. When I say ruthless I do mean rude, arrogant, heavy-handed, overall a feeling of dealing with THUGS. I was fighting my health as well. A non forgive ongoing destruction of bone and much much more.The Hartford refused to repair my car at the 5,000 quote. Stating they always go 20% over the quote for the purpose of unseen damage. Tho no damage was found by OnStar, the shop or second opinion. The only damage was cosmetic. Based off the original comps the Hartford totaled my car with blinking. By the help of others I was able to finally obtain the 8,200$ comp found by my son over two months after the damage. The Hartford ignored valid comps, using their own comps to total my car. It would of been far less expensive and better for both the Hartford and myself if my car had been repaired.The adjuster in charge would not hold a respectful conversation with me. If I ever felt like I was treated as a woman who's being told to shut up and stay in the kitchen while the menfolk decide the outcome of my car, it would be by the Hartford. I kept a log of recorded phone calls between our interactions as I honestly felt I was being treated like trash. I couldn't say if they treated my medical condition with contempt more than me being a female who was gave good advice to fight them. Each felt equally as horrific.Because the car was stolen, I did NOT give permission for the young man to drive my car. I ASSUMED his Guardian grandparents home or auto policy would be responsible for the damage to both my car and the fence he drove through. To my surprise the Hartford paid nearly 9,000$ to mitigate the damage due to the negligent act of this young man.I brought up the comps on my car because if not for my son I'd never of understood where the low balled comps were coming from, I would of never know to fight for fair compensation. That in itself is outright fraud, misleading and taking advantage of someone not versed in the auto industry on any level. My car could of been repaired for 5,000$ a good, local auto body shop had gave a quote. No reason to believe the quote would be any higher than I'd been gave. I had work done to my Audi by the same shop, no unexpected charges or a shop with shady billing practices. Again a rural area where your reputation for success is only as good as your word and work.My comps remained low (5,500-6,500) as stated while my car was totaled. I'll carry the claim on this fault of another for up to five years! The mental and emotional abuse far outweighs the money involved. I worked very hard to become a success in my field if I was unable to physically keep working. I had built up everything I had in the past 30-35 years. Everything I owned was being paid off rapidly as I'd reached the turning point towards debt free. What took place in a rural Colorado town by the Hartford and Colo state patrol, local sheriff's department stripped away everything I had worked for and am unable to start a new by re-entering the workforce.I never thought it possible at over 50 I'd actually have to sell my home, lose my car, deplete the bulk of my savings over a car. Yet it did happen, and my insurance company did ABSOLUTELY NOTHING TO STAND BESIDE ME. I'M currently waiting on a settlement by suing the Hartford. The only chance I have of re bulilding a life. I've learned I'll never buy no more than the minimum insurance so I'm NOT a target. I'll never talk to any law enforcement without legal counsel no matter how tiny the situation. I've learned people are ruthless and jealousy is dangerous. There are people in positions of trust waiting to take advantage of YOUR hard work.I do not use handicap plates any longer, I do not show my home or any other life information on social media, and most of all I've learned a lesson by fire. I hope this made sense, my cursor was moving while typing, I wrote somethings twice I see. If anyone is willing to read and understand what happened to me I'm happy. Please don't ever trust your insurance company to have your back! When the wolf's come out they come in packs. Beware and be safe wherever you are.