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What we tell you here could save you from financial ruin. Unless you live on your own island, you are insured in some way -- home, health, car, employment, liability, and so on. Despite the largest profits in history, more and more insurers are cheating out of paying honest claims with dirty tricks. |
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In an internal company document, Allstate's cheif spinster brags that 20/20 had No effect, and the public is still largely unaware. We weren't surprised that a dead or co-opted print media again failed to act (and there is even an explanation for 20/20 being such an exception). But for the rest of you who think our "Guardian Free Press" is protecting us, click below for an Allstate document that virtually screams:We Own The Truth
ALLSTATE TO PAY FOR QUAKE CRIMES -- click the link below to the LA Times article for Saturday, Oct 24.QuakeCrimesThen
come back and read about their cheating in other states:
ALLSTATE
TO BE FINED
Excerpt from the story linked above:
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Allstate is conducting Core Claim Process Redesign on Homeowners claims nationally after using the Atlanta Market Claim Office as a test. This started just a couple months ago. See our article Rotten To The Core, in the middle of the page. |
As a sadly disillusioned policyholder, the chairman of Dow Corning Corporation lamented that "it has become standard operating procedure for some insurance companies to procrastinate and dispute rather than honor policies with companies that become embroiled in litigation."
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Sexual Harassment, Coverup,
Persecution -- the usual Allstate tactics in a company rife with randy
officers who Already know they can break any law with impunity. But this
time it was one of their own officers -- Allstate's chief auditor. Click
below to read the story of:
MARY ANN HETREED V. ALLSTATE INSURANCE |
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| SITE FEATURED IN |
| CEO Refresher Archives |
| Hammer & Dolly
Feb '98, Vol 33, No 2 Minneapolis Star-Tribune (Feb 15, '98) CHICAGO DAILY HERALD.. (Jan. 19, '98) WALL STREET JOURNAL (Dec 26,'97, Pg B1).. Forbes Magazine (Dec. 1,'97, L&I) .. USA Today Hot Sites .. San Francisco Chronicle.. |
| Further Publications
Are Listed Below |
You'll discover that good lawyers are hard-to-find, your friendly politician
is only going to send you robo-mail, and that the media is asleep at the
switch..
We
will illustrate a danger to You and All Americans
who
innocently trust their insurance company to protect them in time of tragedy.
Although this entire industry has become more and more corrupt in the last
few years, our current focus is on Allstate
Insurance, a company whose minions will lie,
cheat, and use any trick, no matter how vile, to kill honest claims --
until their victims die, give up, go away in disgust, or settle for nothing.
We
are pushing for NATIONAL INSURANCE REFORM and have INSURANCE
HORROR STORIES FROM ACROSS THE NATION along with
ADVICE AND LINKS
FOR "INSURANCE VICTIMS".
(See the bottom of Page Four, for our Full Mission Statement.)
But this is a nationwide problem which can affect anyone. Thanks to "cost cutting" the number of companies which practice the shabby tactics of DELAY, DENY, DIMINISH and DROP is Growing. They have Broken the Social Compact, the thin line of Justice and Civility that keeps us from barbarism.
Read
actual letters from Policyholders in our links and the page below, which
tell of the following:
Allstate defrauds claimants and delays claims for little or no reason. Peruse correspondence about their too-common practices of harassment and slander against trusting policyholders, of interfering with the mail, abuse and betrayal of employees and agents, earthquake fraud, theft of premiums, abrogation of contracts, and just plain lying and cheating.
Read
confessions of guilt from former Allstate employees who needed to get the
dirt off their chests:
Some of our reports are based on information from Current employees whose identities we protect with good reason. As has been documented in both Fortune Magazine and the Wall Street Journal (see our link to their stories below), this company practices both Spying and Retaliation.
THE GREAT ALLSTATE SWINDLE MACHINEThe scope of the crimes committed by this company and this industry is so great, from the defrauding of policyholders to the cheating of their own agents to massive government collusion and silencing of the truth, and our site is correspondingly so large, that we have an outline section that can guide you to what is relevant for you, if you don't have time to read the entire site.
INSURER
CRIME OUTLINE
November Update: We
seem to be getting more and more letters from victims, that start out HELP!
It is terribly sad that two private citizens are the only ones listening,
when multimillion dollar State Departments of Insurance
are ignoring the citizens who pay their salary. Many DOI's are Actively
on the side of insurers, Very unhelpful or even unfriendly to consumers,
and there are even state Attorneys General who will help insurers to oppress
those who speak out. Your tax dollars are at work -- Against
you. |
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The Federal Bureau of Investigation has executed search warrants as part of an investigation by the U.S. attorney from the central district of California at three offices of Allstate Insurance Co., seeking documents related to allegations the company falsified engineering reports in order to minimize claims after the 1994 Northridge earthquake. Offices searched include one in Santa Fe Springs; the company's Northbrook, Ill., headquarters; and a data warehouse in the Dallas suburbs. An Allstate spokesperson said the company has been cooperating fully with the investigation, but denies the allegations. (The Wall Street Journal -- Internet Edition)We applaud the efforts of the FBI and pray that Allstate will not stall them in court or bring political/economic pressure to bear, as they do with most. Exposing a giant, corrupt organization that cheats and oppresses tens of thousands of innocent Americans is the sort of work your FBI should be doing, and will win them the acclaim of the American people.
CLICK
HERE FOR A MORE COMPREHENSIVE REPORT FROM OUR FRIENDS AT THE CHICAGO TRIBUNE
if you want many more details on Allstate's earthquake fraud than you will read in the papers, you can go to the Full Transcript of Charges from the parallel civil case, on:
October Update: INVESTIGATION WIDENS. It's Not Just Earthquakes Any More.
According to our sources, the investigation into corruption at Allstate Insurance has widened both in scope and nature, based upon uncovered information and cooperation by a high-ranking official. Stay tuned for further developments. And as usual, we are first with the story, long before the major media.
It's something I hate to say, but our inside contacts tell us that the corporate leadership at Allstate feels they can do Anything and not be caught or punished -- so great is their wealth, their power over politicians and the media, and their ability to hide the truth, deceive the public, and seal court records. Despite the FBI raid their stock still soars -- investors don't care. And their egregious profits, built on the bodies of cheated policyholders and agents, continues to increase.FEARThey can stall Any court case for years, and win many cases or reduce fair judgments through absurd appeals and technicalities. Even if they lose and pay a large judgment for the most heinous crimes, it doesn't even dent their three billion dollar profits, most of which come from cheating. They are untouchable and they know it. Complaints of the same rotten, illegal behavior continue to pour in After the raid. Nothing has changed at Allstate.
So yes, they are above the law. It's hard to swallow, but there it is.
Click
Here To Read How Those Who Defy Mighty Allstate Live In Fear
POWER KILLS FREE SPEECH AND COWS THE MEDIAHere is an interesting dialogue on our strategies and why we work in the light, as opposed to insurers, who want to do their dirty work in the dark. If you are a republican, this may be of special interest. Click Below on:SPIDERBAIT WITH NO EXCUSESROACHES
The search engines spiders, which rank a site and make it "findable"
on the net, are getting canny and expect anything in your meta-tags to
be repeated in something that approximates normal English in the body of
your page, or you get penalized. You also get penalized if you try to hide
it way near the bottom or using white on white or other tricks. So in line
with our Sunshine, out-in-the-open policy -- Come and get it, Spiders! 
Allstate list of insurance that State Farm, USAA and Progressive. Therefore
Prudential, Metropolitan, John Hancock and American Family. Bad faith of
HMO is murder and auto, homeowner, consumer or fraud, crime, and cheat
is criminal. And so are adjusters, policys, along with health, fire, and
burglary. Allstate is insurance and State Farm and Usaa and UNUM. Progressive
and Prudential, Metropolitan, Policy or Policies, American Family and so
forth are insurance. Adjusters will cheat, commit crime, fraud, and criminal
activity regarding homeowners, health, HMOs, murder, auto, car, consumer
and fraud activities on policies or policys. Burglary is Foremost. Allstate
is as Allstate does, and crooks are all together. List of somethingorother:
Allstate, insurance, State Farm, USAA, Progressive, Prudential, Metropolitan,
John Hancock, American Family, bad faith, HMO, murder, auto, homeowner,
consumer, fraud, crime, criminal, cheat, adjuster, policy, health, fire...
Click the Long Red Door to Insurance Hell, Below, for the personal testimony of Allstate victims.. |
Or read my own personal horror story down the rest of this page (which also has stories of other Allstate victims). It will open your eyes and may save you from Insurance Disaster.
A
link to the many, many Horror Stories sent us by Allstate victims are also
on
the top and bottom of all main pages, if you want to read on.
You Think you're safe because you've paid your insurance, but if disaster strikes, your "trusted" company may put you in a Horror Movie.
Be warned, or be sorry...
AllstateLike most people, I thought I was insured. I paid high premiums on a homeowner's policy with the "Good Hands" folks, and trusted they would take care of me if disaster struck..Then I was robbed and vandalized - losing everything I had, including my peace of mind. But it was only the beginning. Because Allstate then put me through a two-year hell of delays, denials, "blame the customer" tactics, shabby lawyer's tricks, and Incredible Brazen Lies that has not ended yet, so they could avoid paying my honest claim..
I should have had a premonition, because it started Badly. . .
Shortly after the Christmas-season robbery I got the following nastyletter from Allstate. It was their FIRST AND ONLY letter to me, with no contact or investigation done yet.. I sat alone in an empty house, after Christmas, wondering how Allstate was going to screw me. Now, after two years of slimy tricks and lies, I know. Forget those lying TV commercials..
No "friendly agent" came to help me, in my distress. The "Good Hands" held a hand grenade...
The Letter From Hellstate:
" ... you are advised that Allstate reserves all rights and defenses which it has in conjunction with the policy numbered 0712988382..We further notify you that any activity on our part by way of investigation, damage determination, or emergency advance payments to you , does not constitute a waiver of our rights..
We are reserving our right to later deny coverage obligation under the policy and assert a defense of no coverage under the policy because our investigation is continuing..
We will avail ourselves of any other policy defenses which may arise..
Sincerely,
Allstate Insurance Company
Getting the third-degree in a small room with three inhuman corporate "suits", bent on making you out to be a liar or a fool, was like being examined by Evil Aliens..That I Submit to a terrifying Eleven Hour Interrogation, which went into every aspect of my life, from business to personal, and even my religious beliefs..
| OTHER PUBLICATIONS |
| Netsurfer Digest..
Dallas Morning News.... Franklin Press.... Utica Observer Dispatch.... Kim Komando's Kool Sites... Infowar website... Hotwired Online .. State Capitol Strategies.. and Elsewhere... |
Allstate never disputed the main facts of my case -- that I was insured, had paid up premiums, and suffered a real robbery.. Later you will read how they finally denied the claim based on all sorts of weird little rules they dreamed up, that were supposedly broken. Think of it -- you imagine you're insured, but they can break their contract for an incredible number of reasons you would never think of..Insurance is the only area of American law where a major contract, worth tens of thousands of dollars, can be abrogated for tiny and frivolous reasons. In fact, special laws are made for insurers by their legislative cronies, and they are exempt from many demands placed on other businesses, as you will find out..
Crooked Legislatures Favor InsurersFrom: "David Farber" di_farber@email.msn.comWe are currently in litigation with Allstate in the New Jersey District of the Federal Court. On 12 September 1996 our home burnt to the ground - a total loss. We have yet to settle with Allstate. Allstate has used many of the tactics which were exposed on 20/20 to refuse to pay our claim. NJ does not allow the insured to sue the company for negligence or to receive damages which places Allstate in a no lose position - in other words the worse case scenario is that they end up paying what the should have paid in the first place with no penalty. Our comments. Many states, and the federal government, make it nearly impossible to sue insurers, or recover fair damages after they have acted Horribly. It is the only industry in America that is literally encouraged to break true law and common morality, by Sweetheart laws made by bribed congressmen. |
| I will be interspersing my story with the horror stories of others (and there are more, of course in our aptly titled Horror Story section.) Here is the first -- a recent guestbook entry, and relatively tame. But like Allstate over the years, they only get worse from here. |
From: Jack Wilson (capnjack@epix.net) 01/13/98
Many years ago I had allstate as an insurer. My car was parked in my driveway 32 feet from the street. A drunk drove across my yard, hit my car and Allstate's argument was I shouldn't have been parked there. I should of had the car in my garage another 10 feet up the driveway. I'm still waiting almost 35 years for a settlement check.
Guess what an Allstate contract is worth?
| A typical Allstate Dirty Trick is to claim that you "overvalued" your loss. I paid through the nose for a "full replacement value" policy.. I got all my prices from mail order prices in current magazines, which are normally Lower than retail, so I was actually giving Allstate the benefit of the doubt. I also didn't claim everything, simply because I was being conservative, and refused to claim anything I couldn't recall having owned, with perfect clarity.. In other words, I was being More Than Fair, because I thought Crimestate would be fair.. But read the letter below, which I recently received, about how they cheat on "full replacement": |
| "My house and everything i owned was destroyed in a fire in June, '95. Allstate said the declarations of loss I made were way overvalued, even though I had a complete replacement policy.. For lost things, they gave me about 20% of lost value, nowhere near replacement.. For the house, they had their own contractor rebuild. He salvaged burnt beams and used them. The stink is still in the rebuilt house.. The agreement was that for him to finish before my kids started school, I had to give him an extra $4000 under the table. Allstate is a crooked, dishonest company that prays on the helpless." Sarah |
Gee, here I thought "full replacement value" meant you get what it costs to replace things, since that's what you pay them for, and is in the (ha ha) contract.. But Crimestate's Criminal Crew has a Different interpretation of an "Allstate Contract":it's Toilet Paper.
THE ONLY THING NECESSARY FOR BAD MEN TO TRIUMPH IS A LAZY MEDIAName: Alan Winograd E-mailaddress: awinograd@sprynet.com Comments: Thank you for your website. I am an attorney who represents victims of insurance company abuse. The insurance companies victimize anyone who dares to make a claim against their company. It does not matter whether or not they believe your claim to be legitimmte or not. The problem is that the media only publishes stories about those very small percentage of claims that are fraudulent or on cases with weak facts that result in an extremely large verdict such as the McDonald's coffee case. The media does not explain the facts behind the story and misrepresents that these types of cases are the rule rather than the exception. The truth is that these things happen very rarely. The media never reports on the vast number of legitimate claims where the insurance company could have settled for reasonable amount, but instead, stalls, harrasses, or intimidates the victim. And when these cases result in a substantial jury award, they cry about our runaway jury system and appeal it for the next ten years. Because of the one-sided reporting by the news, every potential juror believes every plaintiff is a lying dirtbag before the trial has even started. It has also allowed legislators and judges supported by insurance companies to pass "tort reform" and engage in bashing trial lawyers. Count how many times you you hear or read about those "greedy trial lawyers". This is all propaganda by the insurance syndicate which hides behind lobby groups such as Citizens Against Lawsuit Abuse or "Texans for Tort Reform". All of this negative publicity has poisoned jurors against all plaintiffs which has lead to an unprecedented increase in verdicts against people with valid cases. The insurance lobby has been using their huge fortune to elect officials that support their agenda. The only thing "tort reform" has done is to prevent insurance companies from being held accountable for their wrongful actions and increase their wealth. In the last five years, the Texas Supreme Court has decided in favor of insurance companies about 75 % of the time and has changed the law to such an extent that insurance companies are immune from liability. Of course this does not get any press coverage. Good luck to you in your cause. Thank you for having the chutzpah to state the truth. Houston Attorney
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| A THOUGHTFUL
LETTER ON THE SO-CALLED INCREASE IN "INSURANCE FRAUD", EVEN THOUGH THE
INDUSTRY IS MAKING MORE PROFITS THAN EVER BEFORE
Many of us have seen a renewed effort to publicize the plight of insurance companies that have to deal with fraud. As the ads say, it's a crime everyone pays for. The idea of someone scamming their insurance company for an illigitimate claim is repugnant to everyone, particularly when we know the cost is added to our premiums. We've all seen the press releases showing the percentage of claims paid that are fraudulent. The figures are put before the regulators in the state insurance departments when they are requesting rate increases. Most of the time we just shake our heads and shell out more money. But has anyone ever examined how these figures are determined? One would imagine that the vast majority of insurance fraud goes undetected---they can't catch them all. But when these statistics are released they appear like facts, as if the carriers had an exact idea of the amount of fraudulent claims they paid over the preceding year and it was all collected by a central clearing house. My preliminary investigation into the matter has led me in circles. Every office that releases the figures claims to have gottem them from another. No one has offered an exact methodology for calculating these statistics. Anyone have an opinion on this? Any facts? Charlie Barone cbarone@bee.net [For tons of info on the rotten effect the insurance industry has had on auto repair, visit the Discussion board at www.autobodyonline.com , where I got this.] And please click below to learn more about fraudulent RABBITS FROM HATS AND INSURER STATS |
ROTTEN TO THE COREAllstate is conducting Core Claim Process Redesign on Homeowners claims nationally after using the Atlanta Market Claim Office as a test. This started just a couple months ago.What does this mean though? There are two schools of thought. One is that with all this bad publicity, from the 20/20 expose to the suit by the PA attorney general, and massive class actions lately, they are out to find the flaws. The other is that with their stock tanking they are out to squeeze and cheat even more ill gotten gains than they now are, from unsuspecting homeowners. After consulting two industry experts, we found that our optimism about Allstate was Not well founded. This from an Allstate insider: "I Hate to burst your bubble but Claim Core Process Redesign (CCPR) is exactly what led to the horror stories you are reporting. It is a redesign of how they review and pay claims with the intention of squeezing the claimants even more. Allstate is too arrogant to think there is anything wrong with them. 20/20 'doesn't know what they are talking about.' Allstate conducted focus groups of employees and policyholders right after the 20/20 show which told them that the policyholders didn't care (low expectations of insurance companies plus 'I'll never experience an earthquake' attitude), but employees were very disturbed by the TV show. Remember, the average employee, not exposed to the corruption as auditors are, actually believes a lot of the lies Allstate uses in its advertising and internal communication."And this from a legal expert: CCPR was started in the auto claims side of Allstate back in 1994. We have material describing it's purpose(more profit for Allstate) and how it changed the claims handling philosophy in the handling of auto claims. Obviously, it has been for the worse. Now, we know that similar claims philosophies have been changed on the Homeowners claims --- we just do not have all the internal detailsI have had to remove identifying info in these two cases, but they are top experts. Allstate just doesn't Care -- they are so arrogant in their ability to break the law and deceive the public, that no exposure of their criminality matters to them -- and they aren't afraid to do even worse. |
I
DON'T CARE IF YOUR WATER BROKE -- OUR CHART SAYS YOU HAVE TO HOLD IT FOR
TWO MORE WEEKS.
BUT HERE'S A TOWEL FOR YOU TO THROW IN... Click Now On
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Allstate just sent me a settlement offer (through their contract atty.) After two and a half years of torture and losing 40,000 dollars of my possessions, medical fees, abatement fee (asbestos), etc.. They offered me $2, 500, the evil assholes!
And
Coming Soon: THE RICO FILES
Allstate Customers Get:
Here's something really weird.. The cost to Allstate for two separate "investigations" (which are basically excuses to stall forever), a year and a half of lawyers fees since my complaint to Florida D.O.I, and a long-distance deposition with travel and suite rental, ads up to an Astounding bill which almost certainly exceeds the value of my claim. Allstate would Much rather pay lawyers than its blind but faithful but customers. This may seem crazy on an individual basis, but by strictly adhering to this Stonewall plan, they discourage so many lawyers and claimants into giving up, that they end up far ahead on the money.
And then, after I did All that they demanded of me, they still did Nothing, for over Four Months despite a lying promise at their interrogation that they would "wrap things up" in Two Weeks. And that was in addition to their prior Delay of a Year And A HalfWhen I made repeated, expensive long-distance calls to them, they would lie , again and again and again that things would be settled in "another two weeks " and just required "..more study".
Another Allstate victim, who runs THE TRUTH ABOUT ALLSTATE Home Page, has thousands of Website hits, but Allstate is ignoring her totally. She even spoke to the secretary for Jerry Choate, the CEO (Chief Erroneous Officer) of Allstate's criminal empire, and got the following baloney. Here's a quote direct from her Website..
'UPDATE - FEBRUARY 1997: We are now getting the silent treatment from Allstate (except for the occasional email from agents and unsigned guestbook entries). I spoke with "Mary", one of Choate's assistants, via phone. She stated Choate never overrides the decisions of his lower managers and does not get involved.. She said we will just have to sue them. I promised her we would. I HAVE BEEN researching Allstate to find out what went wrong with our claim and why we've been subjected to such abuse. What I have found is, nothing went wrong. This abusive claim process seems to be very normal for Allstate..
They are a nasty, greedy company that will do anything to deny a valid claim that is over $5000..
Allstate agents are salesmen only. They are "JOB SCARED" and really can't get involved in disaster claims. Allstate adjusters for disasters are usually "freelance"; they are not vested employees..
| AN ALLSTATE
MANAGER SPEAKS OUT!
Click below to read about Allstate's:
White
Collar Slavery
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WIMPING OUT?Subject: Trial lawyers are wimping outDate: Sun, 25 Oct 1998 09:29:29 EST From: KCuyler555@aol.com To: gemhound@gemhound.com Yours is the first post that mirrors my thoughts. Tort reform propaganda about the lawsuit abuse crisis and runaway jury verdicts is daily news fare. The trial lawyers, who know that it's overstated, or just plain not true, are silent. I finally read several dozen back issues of TRIAL and it was discussed repeatedly, AMONGST THEMSELVES. At this point, being merely a Plaintiff, I would be willing to challenge any tort reform advocate to a debate and I'll back up my opinions with hard evidence. I cannot understand why the Trial Lawyers are not publicly challenging the lawsuit abuse / tort reform crap. Jury Verdict Research did a study in Harris County, Texas, because it was so controversial and they showed that there was NO LAWSUIT ABUSE. That got 1 (one) mention in the local paper on 1 (one) occasion. That was it. More later. Kendra Plaintiff by Chance,
Not by Choice
To read more about the massive insurance industry campaign to destroy our legal rights, click below:TROJAN TORT |
New Year's thoughts
I still am amazed that so many at Allstate can make a life of cheating, lying and hurting people -- how can they do this day after day? Surely they must know what they are doing. Some of their vile tricks are not only purposeful, but mean-spirited and calculated to drive claimants literally crazy -- like the "losing trick". They'll demand your phone, financial, business, receipts, tax and every other record for ten years back, you'll go nuts getting it together and send it in, and then they'll "lose" it -- often multiple times. Even if it's sent registered. When they finally do get it, even if it's ten boxes of stuff, they'll Always claim you didn't give them enough and they are denying your claim on the basis of non-cooperation.
We have gotten enough letters about this trick, that we now know it is an obvious trick to delay claims and destroy a claimant's soul. Sadly, most fall for it, dutifully gathering this minutia, until about the Second "losing."
But how can people do such things? Over and over again to so many? They seem to have no humanity at all. Every time you lie to hurt or cheat another, you create something in yourself that will never go away.
| 3
NEW ITEMS! HELP WITH CROOKED INSURERS, MURDER BY HMO, AND GONE BUT NOT
IN PRISON
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We've been telling you for months how State Insurance Commissions, supposedly paid to protect the public, are weak, corrupt, and often just an arm of the insurance industry. Now you can read the Wall Street Journal article detailing how insurers put the National Organization of Insurance Commissioners into their well-lined pockets, during a secret meeting at Nick's Fish Market in Chicago. (All they needed to complete the atmosphere was the Godfather and some spaghetti.) Click now for:
In addition, here are two
excellent links for Advice on Insurance Company Bad Faith: what it is and
what to do about it -- and it also verifies the Wall Street Journal article
above, about the total Uselessness of State Departments of Insurance, which
largely do NOTHING to help the cheated taxpayers they are sworn to defend.
Some of the worse and more collusive DOIs, such as California's, even help
insurers oppress honest taxpayers. Click now on
BAD FAITH ADVICEMORE BAD FAITH ADVICE |
COLLISIONS!!!
If
you drive at all, the odds are you will be in an accident some 
time
in your life.
The odds are even greater that your insurer will cheat you by sending you to a "preferred" shop, which they will force to use junk parts, inferior material, and avoid necessary repairs, leaving your car with a Greatly Diminished Value. By very old law and precedent, you are owed what they cheated you out of, only the insurers sure won't tell you.Go to our COLLISIONS page, written almost entirely by auto industry experts, for advice on how you can PROTECT YOURSELF from this scam.
Mrs Moran--I want to commend you for an exceptionally produced site. For over 15 years, prior to retiring a while back, I worked for the increasingly corrupt company called Allstate..
The company is bad to the core with no redeeming qualities. They have moved from being bad to outright out of control .. Over the nearly two decades that I labored hard for them, we must have seen 40-50 news articles detailing "problems" for Allstate. Most of the time, they were newspaper articles displaying large bad faith verdicts in unconscionable scenarios.. But many involved illegal acts on Allstate's part, with orders, fines, or sometimes just accusations without further action being taken...
A quote from our correspondence archives
Innocence for Sale |
| Dick Larkin CLU, is a senior board member of
NAPAA (National Association of Professional Allstate Agents). You may recognize
his name from the "Stalked by Allstate" article from Fortune magazine,
which is mirrored on our site. He has written an excellent article on --
well -- the whole ball of wax.
It details the massive corruption in the now-merging banking and insurance industries, coupled with multmillion dollar settlements for terrible wrongdoing which are paid, but for which guilt is never admitted nor known to the public. Also outlined is the increasing suppression of insurance agents who try to protect their customers. There is an analysis of the enervation of so-called "protective" agencies in relation to these enormous companies, whose merged size is putting them far out of control by any single agency or state government. Names are named and figures are given. Much of this has been covered in our own pages, but this brings it all together in a very incisive and readable manner. The article, "Innocence for Sale," which was originally published in the CEAA journal (Coalition of Exclusive Agent Associations). Click below on
INNOCENCE
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| Dr. Judy Morris', acting as her own lawyer, in
Pauperis, is bringing suit against giant UNUM insurance for murder, fraud,
extortion, terrorization, and other criminal acts. The full text of this
compelling suit is now up on two websites at the URLs below. The number
of websites will increase. The docket number for the case is Civil Action
Number CA 98-30204-FHF as filed against UNUM Insurance Company of Portland
Maine and about 50 co-defendants in Federal District Court, Springfield,
Massachusetts. Contact information for Dr. Judy is at page bottom.
This is the most disturbing document we have ever read, in a year of studying the corruption of the American Insurance Industry. We feel it is our duty to make it available to the public. If even a small percentage of the allegations are true, from extortion to fraud to even more unmentionable crimes, this is a national horror and a national disgrace which Must be exposed. To quote from a judge in one of the cases: "This case reveals that for benefits plans funded and administered by insurance companies, there is no practical deterrent to unscrupulous claims practices. Absent such deterrents, the bad faith denial of large claims, as a strategy for settling them for substantially less than the amount owed, may well become a common practice of insurance companies." ..."The Court is appalled by how UNUM handled Dishman's case." ... "UNUM chose to cut off Dishman's income entirely so that it would have all of the leverage while negotiations proceeded..."Or to quote the preamble to the case: "Woe to those who are enacting harmful regulations and those who, constantly writing, have written sheer trouble in order to push away the lowly ones from a legal case and to wrest away justice from the afflicted ones of my people, for the widows to become their spoil, and that they may plunder even fatherless boys." ISAIAH 10:1Finally, from Section 105 of the pleading: 105. Based on the horrible abuses of fiduciary duty, responsibility, promises broken and outright cruelty that plaintiff is aware of from insurance companies, and the fact that letters from abused insurance victims have been flooding into Congress, plaintiff finds it incomprehensible that efforts such as these are being made to maintain the status quo which deprives citizens of legal rights when promises and contracts are unconscionably, wantonly, willfully, maliciously, and systematically broken and people are suffering and dying as a result. She interprets the above memo as a solicitation by Senator Lott for Insurance Lobbyists to bribe Senators and Representatives. The war being referred to is the covert war insurance companies and corporate employers are waging on their own customers, employees, and the citizens of the United States. A war in which the citizens are starting to fight back.From lives ruined to victims being driven to suicide -- there is almost no crime that is Not mentioned. And like all insurers, these massive engines of destruction buy so many legislatures and state regulatory agencies, control so many courts, have so much of the media fooled or scared, and hide so much of their wrongdoing with gag orders, court seals, and Vacatur, that the public is totally unaware of the cesspool of corruption that is the American Insurance Industry. Many of the victim's names have been masked in this public distribution, at their request, out of fear of terrorization or retaliation. Having been the target of some very nasty correspondences from Allstate sycophants ourselves, we find this understandable. But all names are available in the actual court filing. We are asking for a miracle if one woman, alone and with scant funds, is to prevail against a monster insurance company. If cases do get to court, insurance companies have proven to be ferocious adversaries--delaying cases, withholding documents, filing voluminous motions, running up everybody's legal bills, calling for hundreds of interrogatories, endless depositions, and literally bankrupting small law firms before guilt or innocence can even be adjudged. This is a large document (over 300 pages) and is available for browser viewing or download at the primary URL below: http://graham.main.nc.us/~bhammel/INS/judydoc.html
Click on the link which reads "The Complaint Against UNUM as Filed, UNITED STATES DISTRICT COURT DISTRICT OF MASSACHUSETTS " Or you can click on the gzip or zip download links, for UNIX or Windows respectively. I have also made it a downloadable file in Word format at our own site, at http://www.gemhound.com/suit.doc Clicking on the link above should download it as a Word file. If you have Word on your system, it should then open. If clicking doesn't work from this letter, load the above URL into your browser window. In addition, it is browser readable on our own site at: http://www.gemhound.com/suit.html If anyone has trouble accessing or downloading, I can mail it as an attachment in a format that you request. These monsters Can be beaten, but only if the public is allowed to find the truth, in a world where an increasingly vapid media does not seem to be telling about anything real -- only empty scandal. We will also be setting up a HTML mirror on our own site, and this document will be mirrored on other cooperating sites around the world as soon as arrangements are made. Although we focus on a different corrupt insurer, we feel that the sooner the mask is torn from this evil industry, through exposure of its most egregious malfeasors, the easier it will be for all victims. If you are a webmaster or know a webmaster, we request your assistance in mirroring this document. We request all Netizens who beleive in justice and in fighting oppression by enormous and dishonest institutions, to repost or forward this letter, in full, as appropriate. Sincerely yours,
Jim and Paula And for more about the insurance industry, you can visit our own site, Cyber Vigilante, at http://www.gemhound.com Contact Information: |
A great source for information about the insurance industry is Insurance News Network. They don't pull punches, and tell the bad as well as the good -- unlike phony industry front groups such as the Insurance Information Institute. INNs URL is below:http://www.insure.com |
WHAT THEY'RE TEACHING AT INSURANCE SCHOOLHere's a letter I got from someone who studies the insurance industry. Scary stuff. But then, Mary Ann Hetreed, the former Allstate audit manager, says she taught managers about laws and regulations, and they were always asking questions like "If we can save a lot of money by breaking the law, and only pay a small fine, why not do it?" Ethics is a stranger to the insurance industry. And of course, those tiny wrist slap fines of a few hundred or a few thousand dollars that state departments of insurance give insurers for cheating millions, are only an Encouragement to do more wrong. If you could steal a hundred bucks and only have to give back one, Everyone with the least bit of moral weakness would be a theif -- and the insurance industry attracts those with moral weakness.Subject: Mindset Date: Tue, 17 Nov 1998 19:55:15 -0500
Folks: A colleague of mine is working for a degree in claims management. His insurance law class featured a guest lecturer---a supervisor for a workmans comp carrier. While she outlined her tactics of deny, delay, and harrass, one of the students questioned the fairness of the doctrine. She replied, "What do I care if they turn off the electric? That's what they get for being stupid enough to get hurt on the job." They're teaching this stuff in schools. Charlie Barone |
This is not just my story. Four independent websites have gathered a large
number of horror stories emailed by both Allstate victims and company employees..
The Webmaster of the site above went to her county courthouse and found
Hundreds of Allstate claims that had languished for Years.. And this is
just one random county out of thousands across the nation.
Go to your own courthouse and check it out. Be warned or be sorry.
Here is a pattern I am seeing more and more. Allstate accepts a customer for insurance and drops them a month later for unspecified reasons.. But they keep all or part of the initial payment. Since it is a "small" theft, no great fuss is raised. But multiply this standard practice all over the United States and you get millions and millions of dollars stolen..CLICK HERE FOR ANOTHER "SMALLSTATE" THEFT AND SEE THE PATTERN
This was told to me by a correspondent.. A man went berserk and took an axe to the car of an Allstate policyholder, dealing it forty-nine blows with an axe. The claim was denied because Allstate adjudged these to be forty-nine "seperate incidents", each axe-cut being Under the deductible.. It may sound funny, but if you make a claim and this is the kind of deception and cheating you have to deal with, it may not be so funny after all..
I have this from someone who used to teach legal principles to Allstate managers.. They would often ask their instructor, rather puzzledly, "If breaking the law and paying a small fine results in much greater profits, why not break the law?" This pervasive attitude of illegality at Allstate came from an ill-starred training program called "Management by Statistics", as reported in the Wall Street Journal. One of its basic precepts is that a "producer" (i.e. profit-maker) should be subject to NO Moral Rules..
When Allstate finally is found out, they abuse the legal system by literally Burying their victim's lawyer in endless interrogatories and paperwork, technical baloney, and stalls of various kinds..See our "Stalked by Allstate.." link for the full story from Fortune magazine, which the above is excerpted from.When cases do get to court, the company has proven to be a ferocious adversary--delaying cases, withholding documents, filing voluminous motions, running up everybody's legal bills.. It's a common enough approach, but Allstate pursues it with special vigor: In June Arizona's supreme court admonished Allstate for "tactics" against a former agent that "in the long run, can only serve to cause disrespect and other harm to the civil justice system.." It urged Allstate to focus on the merits of cases rather than try to "trip" its opponents "with technicalities.."
Subject:
Allstate
Date:
Thu, 28 May 1998 16:49:48 -0400
From:
Edward Dailey edailey@home.com
Organization:
New Web Creation
To:
gemhound@gemhound.com
Dear Paula,AND THE JUDICIARY ISN'T HELPING EITHERI am also a victim of Allstate. I was rear ended in an auto accident in Dec 94 which eventually lead to the loss of my business because of all the delays imposed by Allstate. I was on trial stand-by for over a year and finally, at the prospect of loosing my house, I was advised by my attorney to settle my claim for about 1/5 the estimated value.
I signed the settlement papers April 13, 1998, and now almost 7 weeks later still have not received my settlement check. The mortgage co. is going to start foreclosing tomorrow and now even my own attorney won't return my calls.
There is a lot more to my story, but for time sake I just noted some hi-lites.
Sincerely,
Ed Dailey edailey@home.com
I was just reading in the LA Times that the Jo Ann Lowe case, which may have precipitated the FBI raid, was sealed by the presiding judge in the civil case, and only released by a brave attorney who is now under contempt proceedings. Judges are Constantly hiding the record of Allstate's massive wrongdoing like this.Why they keep agreeing to the deception of the public and blindfolding of the media is beyond me. Something must be done about this legalistic censorship that is practiced by Big Insurance. The public has a right to know. Heck, we know everything about Bill Clinton's sex life -- but we can't find out if our insurer is honest or is going to wreck our lives -- because judges keep it all secret. I have often seen Supreme Court decisions citing the public good as part of their reasoning, but apparently many lower court judges are under no such compunctions.
YET ANOTHER STATE DEPARTMENT OF INSURANCE COLLUDES WITH INSURERS
Click below to see how your tax dollars help to screw you:ALABAMA NIGHTMARE
BETRAYAL JUSTIFIEDWe Very often get mail from insurance people suggesting that insurer victims deserve what they got because they didn't read their (largely unreadable) policy. As if Not being a lawyer is a crime in itself.What a lame excuse for cheating folks on tiny technicalities. You pay extra for professional services when you go to a doctor, lawyer, auto mechanic, or insurance agent. You CAN'T be an expert in all these, and shouldn't have to be. You expect professionals to render in good faith, and when your agent tells you you're "covered", you should be able to trust them to deal in good faith, not for their lawyers to dream up a thousand little cheats to kill a claim. Sorry, I don't buy this sorry idea that those who trust deserve to be cheated. We think it's a sick lie made up by insurance people to salve their consciences. As if there is Any excuse to rob and betray. |
STEALING
THE BOOK OF BUSINESS
How Allstate "retires" high-earning Agents, and divvies up their routes to company clones. And then tries to deceive the IRS. Read the truth from an ex-agent.
BOOK
CROOKSWallace Davis, a former Allstate senior manager who supervised 70 employees, recalls a meeting of top Texas managers and two dozen agents in Austin in October 1993.. At the meeting, he says, the company's top-ranking regional official, Gary Briggs, announced that the company had lost its fight with the state and could no longer turn away people simply because they owned one car.. According to Davis, Briggs then stated: "When these people come to your office, use your imagination, go through the motions, but find some way they don't qualify.." Explains Davis: "These executives feel above such petty things as rules from the Texas department of insurance." Briggs denies the allegation..
"...Because my firm did plaintiff's work almost exclusively, we had a good chance to compare and contrast attitudes and methodologies among various insurers..In my experience Allstate was the most likely insurer to contest a claim simply because they could..."
Tim Tarvin (ttarvin@mercury.uark.edu)
Organization: UA School of Law Legal Clinic
INSURANCE -- AMERICA'S MOST SECRETIVE INDUSTRYInsurers commit tens of thousands of crimes every year, but manage to keep most of them secret by two little known legal flim-flams. As soon as they are involved in a dubious case, they have both documents and court records sealed. That they are so successful at this is to the discredit of the judicial profession, which knows what is going on, in allowing the citizenry to remain blind. In fact, if there is a damaging document showing horrible behavior that the insurers want kept secret, they will involve it in a court case purposely, so it can be sealed.Vacatur also perverts the judicial system by "disappearing" verdicts that could influence trials if their repeated crimes were known. They can commit the same crime over and over and there is no record of it. No matter what side you are on, common sense has to ask Why they want so many legal decisions HIDDEN. For further info on Vacatur CLICK HERE |
"In fighting the lawsuit, Allstate also raised a defense that contradicts industry marketing campaigns depicting insurers as neighborly guardians of their customers' financial interests."And here is more on Hiding the Truth. Allstate has attempted to hide a recent $120 million dollar verdict against them for cheating, with secret deals and gag orders. Click below on:
DIRTY SECRETS
Just about the same story that you have about Allstate. Fire in my house took 2 hours to put out, Allstate has taken 2 years and claim is still not finalized. I did catch Allstate interfering with the delivery of certified US mail in order not to pay my claim and it is under investigation by the Postmaster General and Justice Department. Don't know how to use a computer that well, especially e-mail and web sites etc. I have AOL and screen name is Bob943 if that means anything. Hang in there!!Bob Pierce
"I know that we made a lot of mistakes. We had never had to deal with an insurance company before this. We were very naive. We believed that people behaved honorably and honestly. We were wrong. We hired the wrong attorney ... in the wrong state (but the attorney mis-represented what he could do for us in that he never told us that we needed a Texas attorney ... and he must have known that when he took the case), etc. But the bottom line is that Allstate cheated us. "
The Insurance Information Institute, an industry front group, has been sending out statistics claiming to show the industry has not made the huge profits everyone thinks. The hidden kicker is that these stats are a Ten Year Average -- which means they are factoring in such things as the Northridge quake and the big storms of a few years ago. This drags down the average rather deceptively. The truth is, the insurance industry has posted incredible gains in profit in the last two to three years, consonant with its increasing lawlessness, while lowballing and refusing to pay claims -- at the same time that they are poormouthing to legislators in order to get "favorable" laws. Allstate alone made three billion in sheer profit last year, enough to buy many small nations (and not a few of your elected representatives.)
Just remember the old saying about "lies, damned lies, and statistics." Just as you should read your insurance policy Very Carefully, you should read the statistics that industry hands out with a very jaundiced eye.
| CRIMESTATE'S AMAZING CHANGING TIMEFRAME | |
Here are two stories about
something VERY
common. I could fill the page with them. Allstate takes your
money, but when an accident happens, suddenly claims they had "just cancelled",
even though you weren't notified and kept paying premiums, thinking you
were insured.
Apparently, they hold a check for awhile, which they can use to claim you
didn't pay your premiums, but only if there's an accident. If there is
none, they cash it and hold another, so they're always covered.
The Moral: if your insurance checks keep getting cancelled late, GET ANOTHER INSURER FAST! Allstate is so dirty they make dirt look clean. |
|
| From: Mike
Abbey (abbey@sprynet.com)
Subject: Allstate got me To: gemhound@gemhound.com Myself and three others prepaid one year of insurance with Allstate. Everything was fine until the we had a claim in the 9th month.. I was told that we had an increase in rates of 250% since our prepaid amount and they had to cancel our coverage. We had a signed Prepaid Policy that stated the coverage dates and they still refused to honor the claim.. I took a notepad and record the times and people I called to try to get an explanation, 44 people and 93 phone calls later I still realized that this was useless.. Allstate knew a 24 year old was not going to hire a lawyer for a $900.00 claim.. I am still steamed over the episode three years later but, I make it a point to tell everyone something derogatory about Allstate when the subject of insurance comes up.. Great forum for ex-Allstate customers to vent, this site should stay full.. |
|
| CLICK HERE FOR THE NEXT SAD STORY OF ALLSTATE TIMECRIME | |
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|
OPEN
LETTER TO ALLSTATE
According to the Mannix Report, Jerry Choate, CEO of Allstate, made nearly fifty million dollars in 1997. A potent reason to cheat the public. Also, according to this report, many insurance commissioners and legislators who sit on insurance committees, come directly from the insurance industry, or get big jobs with it once they leave office. Kind of explains why "your" public agencies do nothing to protect you.
|
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FURIOUS AT THE GOVERNMENT (AND WE OURSELVES KEEP ASKING "WHERE IS THE MEDIA?")This is from a list of forthcoming medical malfeasance we will be posting. It is not Allstate, but further proves our contention that the entire insurance industry has become more and more corrupt in the last few years. This is one of the Milder cases of wrongdoing.#39: I'm *so* afraid my doctor -who is great, but VERY overloaded-will not want me as a patient....I see how much trouble they put him through just for me and then I wonder how many different patients and insurance agencies put him through this. After he writes a wonderful 5 page letter, they just ignore everything he says and writes a letter trying to intimidate him into saying I have a mental illness - with the proviso that if he doesn't respond in 2 weeks from the date of their letter (which he received 1 week after that date) they'll assume he agrees with them! So they harass them for information, ignore it, and then harass them by giving them ridiculous deadlines. Oh, how infuriating it is. I'm working so hard to not take the whole situation personally and to not be furious at the entire government that must be totally corrupt to let these companies get away with this shit. |
| "We not only own the Attorney General (W VA), we own America." See "Last Words", Page 4, about this arrogance of power. |
CLICK HERE FOR ALTERNATE ALLSTATE CONTACT INFO IF YOUR LETTERS TO HOME OFFICE DIDN'T WORK |
CLICK HERE TO SEE WHY "TORT REFORM" IS THE LAW THAT ENCOURAGES LAWBREAKING |
ALLSTATE'S
WAR ON WOMEN.| THE INSURERS AND THE DA'S -- Your own tax dollars used to shut you up --Click here to read more |
FINALLY, PHYSICIAN BURNOUT -- HOW INSURERS DESTROY YOUR DOCTOR'S MOTIVATION TO KEEP YOU ALIVE.
WHEN YOU'RE ALONE.. AND IN TROUBLE.. AND YOU NEED A HELPING HAND..HERE IS WHAT THE INSURERS WILL TELL YOU:"YOU'RE THE ONLY ONE .. YOU'RE ALL ALONE .. YOU'RE TINY AND INSIGNIFICANT .. WE ARE ENORMOUS, WEALTHY, AND POWERFUL .. WE OWN THE INSURANCE COMMISSIONER .. WE OWN YOUR CONGRESSMAN .. WE MAKE THE LAWS .. WE HAVE THE MEDIA FOOLED .. WE'LL HAVE THE ATTORNEY GENERAL, FBI, STATE ATTORNEY, AND ALL OUR OTHER SERVANTS AFTER YOU .. WE'LL RUIN YOU .. WE'LL CRUSH YOU .. WE HAVE A THOUSAND LAWYERS AND A BILLION DOLLARS .. WE'LL OUTLAST YOU .. YOU CAN'T BEAT US .. YOU'RE NOTHING..." I SAY THEY ARE WRONG. I SAY THEY ARE LYING, AND THAT EVIL IS AN EMPTY POWER. I SAY YOU ARE ALL HEROES. |
And
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| For the rest of the Story... |
Paula Moran, Cyber Vigilante
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