I have been with American Family Insurance for over 10 years. I have had the best agents up to when my agent Brandy Clayton retired to have a family, we were moved to another agent that had a bad personallity and moved to the MONICA SMITH AGENCY. That was not much better. We wanted to immediately move from her agency too. I decided not too and just stay and see if she would work out or not.
We'll that was a BIG MISTAKE!!! I asked for UMPD to be put on my policy 3 months ago, when I changed my comp. To a $1000 ded. Monica Smith recommended that I get UMPD coverage because of the high ded. I added that coverage. Monica forgot or??? And just did not add that coverage to my policy (I thought I had UMPD coverage like I had discussed with Monica 3 months earlier). 30 days later I was informed I have never had UMPD, of course not since it was added 3 months ago over the phone. My son and daughter also has it. My suv is the most expensive of the 3 cars and even the adjuster said that my car should have UMPD over the other 2, since it was the most expensive. The adjuster did not understand why my agent had the coverage on their cars and not mine when I am the main policy holder. I was in a car accident and was told that I would have a $200 ded. When filed police report. After 30 days and getting the police report filed, I was told that I do not have UMPD. I have a $1000 ded. Which I'm fine with, but the UMPD has $200 which a hit and run would go under. My damages are $750. So, ya no car fixed under Comp.
Monica Smith has lied to the insurance commissioner and other agents that I asked her not to put UMPD on my coverage which is a total lie.
FUNNY TOO-MONICA WAITED 30 DAYS TO TELL ME I DO NOT HAVE UMPD COVERAGE. She cannot own up to her mistakes.
My family has given american family $500 a month for 3 cars and homeowners insurance. I also had business insurance with them for 6 years which added to a lot of money going to am/fam. My agent Monica Smith has also lied to her customers about PIP insurance. You can have a $250 ded and she told us it was against Oregon law to have a ded. On PIP. (against the law, great way to get extra $ by not telling the truth to her clients) She checked into it and found out you can. Also told me that I was the first person ever in the history of her being an agent that has written a policy with a ded. On PIP coverage. Just think of all the customers she is taking advantage of. Out to make an extra buck where ever she can.
Oh yeah! My agent wrote a letter to the insurance commisioner and said that I was trying to twist her (Monica Smiths) words etc. To get the outcome I wanted. Can you believe that??? Pretty much telling her customer that they are a con artist. Wow. She would not even have a paycheck if it was not for customers!!! Stay away from this company and especially this rude, incompetent agent!!! Cant even write my policy changes right.
Monica Smiths exact words to the Insurance Commissioner:
"She saw me as the solution and was not happy that I was not willing to do that for her (back date the UMPD coverage on my policy). She is looking for every possible way to twist each and every interaction with our office to get the outcome she wants. It is ironic that I she calls us to decrease her coverage and make changes that I would never recommend and then points the finger at my office on the very next claim as if we are to blame. She needs to step up and own responsibility for the coverage SHE ASKED FOR. If she is not comfortable with a $1000 ded. Why would she increase it in the first place. Then she says she took the ethical road, because it would not be fair to American Family to have to cover this claim under a coverage that the customer did not want to pay the premium to add.
Cute Huh??? She is so consumed over my $1000 ded. When I do not have a problem with it. That is why I wanted the recommended UMPD coverage because of a higher ded. And she is Ethical??? SO NOT.
Do not let this happen to you! Stay away! The insurance commissioner recommends that i seek an attorney for this matter.
My son has left the insurance asap as soon as he saw what they (am/fam-monica smith) were doing to me. I'm next. Just have to find the right agent. Funny, so far my quote with progressive insurance I would be paying $20 less than I'm paying now, and have a $500 comp/coll. Ded. UMPD, towing, pip etc... With 100/300/300. Tons better coverage!!!
Bet my soon to be new insurance company won't treat me the customer as a con artist and will take care of me.
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