My father was killed in a hit and run accident in 1998. My mother and sister, who lived together, had policies through Allstate for bodily injury, death and underinsured coverage. Allstate knew there was no fraud involved. He was hit and killed by a hit and run driver, and the kid was charged. The insurance laws state that "If there is no fraud the company should pay what is in the policy." Well, they got out of it, and apparently do this all the time. This greedy billion dollar company got out of paying my mother, a 65 year old widow, a measly $55,000, which is nothing to them but everything to my mother. My mother was not suing. This was her policy amount in writing that she paid for and was entitled to. Apparently Allstate has a habit of this practice, and we want to sue and let others know to come forward. I have found so many people who are denied claims that they are rightfully entitled to and have paid for, and who are dropped when they file a claim even for little things like scratches on a car they try to get repaired. They are a fraudulent company, and the government lets them get away with this.
What they did to my mother falls under every deceptive practice law and unfair claims law. We just need to fight this and not give up. They hope you will, and most do.
1. First they told her she did not need a lawyer; they would fax her a paper and she would notarize it and send it back.
2. At that point she got a lawyer because they were not telling her anything, just to sign.
3. After that they took 10 months to even reply to her claim through the attorney, 10 months.
4. Then they offered her substantially less, $25,000.
5. My mother was desperate and wanted to take it, but it was $30,000 less than the policy amount.
6. After 1 and a half years of ignoring her and telling her too bad, take our offer or go to arbitration, they compelled her to go to arbitration. It took my mother almost 2 years to get nothing or settle for their much lower offer.
They charged her each month for a policy for that amount, which she believed she would receive, then got out of it by forcing arbitration on her.
The three choices in arbitration were 0, 55000 and 80000. Where the 0 came from I will never know. They are crooks, and so are the arbitrators who ruled for this greedy company. She was forced to go to collect her money. This is clear cut fraud. She almost lost her home, and the duress was unbearable. She had lost her husband, which was bad enough, and then she had Allstate to deal with. I do not know how these guys sleep at night, but I know they are not going to heaven with their money. Please help us sue and get my mother's money, which is rightfully hers. I hear the insurance commissioners do not do anything either; they have something to gain from these greedy companies.
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