Saturday, November 12, 2016

Bad Insurance, Worse Agent

OMG. First of all my agent retired the summer of 2015 while I was on the road with my boyfriend a trucker. I was given to Eli Sauceda. Nothing but trouble since day one.
I asked to have the contents portion of my home removed and it was never done. Never. What they did do was jack the value of contents to $48,000. Seriously!? So what they did do was lower the value of the home which I had way too high to begin with and jacked up the contents to compensate. I always called to get the payment amount because I was on the road and every month it was different. Or they didn’t know and would call me “right back”. Which never happened.
I looked online and because they where constantly changing my policy the amount due was never correct. So I’d either over pay or not pay enough and get threatened to be dropped. Handling my business from an 18 Wheeler is no easy task so I rode with it bitching every step of the way. I tried to get down to see this clown in Victoria TX but life and work got in the way.
Finally, I was like screw this and called another agent to switch over. Eli called me and was nothing but rude, arrogant and just a jerk. He said “I’m sure Ms. Woods we are not the first business you’ve had difficulties with”. So what are you saying? I replied “UM, yes Eli, yes you are. Your service has been a nightmare since day one and thank God I finally wised up and dropped YOU”.
I just went online to see what new payment was with corrected contents value. I almost died. It’s half of what I was paying him. No wonder he was doing what he did. I can’t wait to call headquarters tomorrow. He was straight ripping me off, lying about the changes haven’t been done because the under writers where 2 months behind (I bought that) and what ever lie he could come up with.
I have been over paying on a policy he devised for almost a freaking year. At the cost of $86 a month for a grand total of $1,032.00. I’ve no idea what his cut was, I’m just glad I’m not a part of his scam anymore.

Ellen Woods

Mom gets wrecked

My mother at the time of her accident was 74 years young. She was pulling out from the grocery store parking lot and a driver (from another country, while attempting to operate his cell phone), ran directly head on into her.
She was subsequently taken to the hospital and after numerous tests was released.
She continued having chronic neck and shoulder pain and after numerous bouts of conservative treatments, she finally had shoulder surgery (a very ugly and painful procedure)!
In order to shorten the story and get to the bottom line.
Mothers underinsured motorist coverage was recruited for paying her by way of legal counsel.
Note, her responsibility for out of pocket medical costs all inclusive was around 16K. Meanwhile her underinsured contract policy limit was 50K. Keep in mind her attorney contractual fee was 40% of her recovery amount!
State Farm literally abused my mother! Putting her through answering interrogatories, depositions, and ultimately a trial!
State farms only defense was that mother is older and suffers from Arthritic pain and degenerative joint disease. Meanwhile, prior to this collision mother had not received and treatments on any parts of her body by Pt's, MD's, or DC's! And most certainly had never received ANY surgical intervention in either shoulder!
In closing, these auto Insurance companies, especially State Farm, are COMPLETE RIP OFFS!
They maintain their high archly management ALL making Hugh 7 and 6 figure yearly salaries, with OUR money through premiums and when you NEED them, they simply flush you, by way of negating your claim with their retained defense counsel! There is no other word to describe the current auto insurance ethics, better than "criminal"!
Until we people stand up and support one another, the auto insurance companies will continue to abuse we the public! People simply have no compassion nor does the average Joe understand how destructive an auto accident is to the human physiology, most people NEVER truly recover!