Because I’m a writer with over one-thousand articles published, and a lot of regular readers, I decided to write my story of events relating to storm damage and my battle with the insurance company, for what ever interest or benefit any of my readers may derive from my story.

I have a friend insured with the same company who recently experienced a loss as the result of a storm blowing a tree on her parked vehicle and totaled it. The same company paid her much less than her considered value, and she’s quite upset over their devaluation of her loss. Therefore I know I’m not the only one they treat in the manner they have treated me.

An insurance policy is a valid contractual agreement and this company does not honor the terms of it. Instead as in my case, they deny eligibility for payment according to terms of the contract, and after a heap of wrangling decided to make token payment. In violation of the terms of the contract.

I recently cancelled my policy with this company after being insured with them many years. My vehicle and household furnishings both. As I recall I’ve had car insurance with them since the sixties. I don’t ever recall filing a claim for any accident I caused. However, ten years ago I filed a claim when my car was broken into and destroyed by beating the steering wheel off, which I found laying on the floor of the vehicle. This same company paid total loss with no trouble.

Only once have I filed a claim, for jewelry theft in my home and they paid the loss. In both cases I presented a police report. Aside from those two cases, I don’t recall filing any other claim, but paying monthly lo these many years.

I don’t know if they have just changed their modus operandi of payment or if the refusal to pay reasonable damages comes from cases filed absent a police report. I just know they did not respond with reason and rationale to this recent claim, in violation of the contract.

The reason I insisted the claims officer come, was to help me assess the damage, but he refused to do that, because the decision not to pay had been made. Payment so low it would not have paid for the loss of one piece of clothing. And only then after contacting the State Insurance office.

I just grew up in a different era, when one’s word was their bond, and written contracts were binding. It’s a different time now, where it seems any number of business operations do not run their business according to fair and ethical attitudes towards customers, now-a-days. And suspect that’s one reason so many mall stores are empty.

I’m a big supporter of the capitalistic, free-enterprising system this nation thrived on at one time in our history. A system that provided the greatest good for the greatest number in years past. But things have changed drastically since the conversion to Socialism in this country. Values have changed, but Principles of right and wrong never do.

We are living in an era of entitlements, where so many are expecting the political government to support them and over half are on food stamps. I don’t look to the government for support and have never drawn a social security check. I live within my means and pay as I go, and I expect those I do business with, like insurance companies to pay me for that which I pay them. As evidenced in this story they renege without compunction.

I believe in the quote: “We teach others how to treat us,” and in this connection, the reason I resist the treatment I have experienced from the insurance company over my loss. From the outset, the day after the storm when I sent my daughter to the local agent’s office for claim forms, she was told I was not eligible for a claim. Without seeing the damage or knowing what happened, just reflexively announced I was not eligible. Which informed me company policy trumps adherence to the contractual agreement. Unacceptable to me, and I wage the battle. It is still unsettled, despite the very small token check.

I spent twenty-four years of my life supporting a military officer to fight for freedom of this country in three wars, and I did not do that to sit back and allow an insurance company to rip me off in violation of my contractual agreement with them. Despite the fact I’ve won the first round by their stance changed from denial to agreement to pay. A token payment of less than $100 is unacceptable. They still owe me.

Thomas Jefferson said: “I prefer dangerous freedom, over peaceful slavery.”

And another one by John Ascroft: “To those who scare peace-loving people, with phantoms of lost liberty, my message is this —- your tactics aid terrorists for they erode our national unity and diminish our resolve. They give ammunition to America’s enemies and pause to America’s friends.”



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