Monday 24th of December 2018 10:16:05 PM
On 8/29/11, I asked for and received a written quote for full coverage auto insurance, so I called to purchase full coverage auto insurance; however, I asked the agent to reduce the limits of liability and deductible in order to lower the monthly premium. He was extremely nice and we spoke for 45 minutes to an hour. I explained that I was a widow and needed to get the cost down as much as possible. He knew that I called for full coverage insurance. I explained it was the anniversary of my husband's car being crushed by a 48,000-pound steel truck and my son had been involved in a car accident the week before (neither were their fault). He worked with the numbers on his end, got the premium down and told me I could keep the $500 deductible and I could even have gas brought to me if I were to run out of gas. He gave me all kinds of discounts for safe driving, my daughter's good grades, drivers training, air bags, seat belts, etc. (all things that have to do with driving and accidents). After reducing the liability limits and adding all the discounts, it took off about $45 a month, making it workable for me. So I bought the policy. What I did not know was that he apparently took off coverage for accidents (the whole point in me calling for coverage), which I did not find out until 2/8/12 when my daughter, going 20 mph, hit a patch of ice and ended up in the ditch and overturned her car 1/2 of a mile from our home. The one paper I had received from them showed comprehensive coverage and the limits of liability per accident as well as per person/per accident. I was led to believe and believed that I had full coverage. However, now they are saying I am only covered for theft and weather damage. They have investigated twice. The first time they agreed with me that it was my intent to have full coverage and that I would have to pay the $45 difference back to 8/29/11. However, when they sent it to the underwriters, they reversed their decision. After a second investigation, they are simply saying they are denying the claim because they can find no evidence that they did anything wrong. Well, I did nothing wrong and I have numerous pieces of evidence—the original quote, the saved voice mail of them admitting my intent, proof of my prior insurance through another company that I have always had full coverage, my whole life. In addition, the policeman who was called to the scene and the tow driver agreed that it showed I have coverage. Also, why would I have the car towed 20 miles if I knew I didn't have insurance? I would have had it taken to my home 1/2 mile away. They now "conveniently" do not have the recording of the original conversation. In addition, the original quote that was supposed to be accessible online for 6 months was suddenly removed prior to the 6 months. They flat out are taking advantage of a widow who, admittedly, is not an insurance agent and knows their terms; however, I requested over the internet and called for full coverage insurance. Who would call asking for full coverage after having her husband crushed by a semi and whose son had been in an accident 1 week before and want or even care about theft or weather damage? I still cannot get an answer as to what the driver and car discounts have to do with theft or weather or why my policy shows comprehensive insurance with accident limits if I don't have insurance for accidents. I have reached my limit with them. My car is still at the tow lot and I guess my next step is to hire an attorney and go to all the news organizations. I do not have the money to fight them, but I will not give up because I know what I requested and believed I was paying for all this time. Just because they are a big company does not mean they can take advantage of individuals, especially a widow. It used to be, back in my day, that companies were built on honesty and integrity. It saddens me that society and big companies only care about money and getting bigger by taking advantage of people. I don't know if the CEO of 21st Century/Farmers Insurance knows what the company is up to, but I will not let this drop. If anyone knows how to get ahold of the CEO, I would greatly appreciate it. They are quick to take your money, but they come up with excuses to not pay claims. It is about time that people begin to stand up for the truth and what is right.