Farmers Insurance Has No Heart (Farmers Insurance Sucks!)
Ethel Adams was driving along when she was hit by another car. "She was in a coma for nine days. Doctors first debated whether she'd live, then, later, whether she'd walk. It would seem Adams was the unlucky victim of an unforeseen event — what most anyone would call an "accident." Not her insurance company (Farmers Insurance) . Though Adams, 60, has $2 million worth of coverage, a subsidiary of Farmers Insurance has decided not to pay her a penny because they say someone caused Adams' crash on purpose." According to the article Ethal had collapsed lungs and 17 broken bones. "But a Farmers' affiliate, Truck Insurance Exchange, argues that Adams' state of mind is irrelevant. Even though it was Adams' insurance policy, the uninsured-motorist portion is designed to cover Testa's (the person who caused the accient) liability. Therefore it's Testa's state of mind that matters, and Testa meant to cause the wreck, so it's not an accident. (summarized from an article written by Danny Westneat, Seattle Times, Oct 14, 2005)
This is outrageous! Farmers Insurance needs to step up to the plate and do what is right!
See Story
Farmers Insurance has second thoughts (10/15/2005)
Farmers Insurance Slogan Rings Hollow (10/14/2005)
Crash victim's insurer should have a heart (10/14/2005)
Insurance should show heart toward crash victim (10/13/2005)
Crash Victim Feels Victimized All Over Again (10/14/05)
5 Injured As Several Cars Collide In Road Rage Crash (3/23/2005)
See also:
http://www.farmersinsurancegroupsucks.com/
posted by FarmersInsuranceGroupSucks at 2:37 PM
3 Comments:
Get yourself heard, I might just be able to help you!
G-ZUS LOVES YOU
The state of Washington (where this case occurred) has listened to you and all others that are concerned about this case!
Your statement is accurate; Farmer's denied the claim as it said that the act of the road rage driver was intentional, and insurance policies will not typically cover intentional acts. The main difference is that the intentional act was NOT on the part of the insured.
The insured stated (correctly) that coverage should apply, and had to sue to collect.
As a result of the lawsuit, the state has revised their laws. The new "Ethel Adams" law goes into effect June 7, 2006 and adds a paragraph to the existing uninsured motorist law. Quorting from www.insurance.wa.gov: "The change defines 'accident' as an occurrence that is unexpected and unintended from the standpoint of the person who is insured. If an insurance company wants to deny coverage, the burden of proof is on the company to demonstrate that the covered person intended to cause the damage."
State Insurance Commissioner Mike Kreidler states "Ethel Adams' insurance carrier tried to apply an imaginative interpretation of the law to keep from paying her claim. This new law bears her name with the hope that no other innocent insured will have to go through the nightmare Ethel experienced."
Hope this helps!
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