Really, American Family? How Crooked Can You Be?
We needed to add a truck to our insurance. It should have approximately doubled our premium. We know how insurance works, we’ve been at this a long time.
Now, to make one thing clear… I LOVED this company. We would have stayed with them until doomsday. Until their agents screwed us.
If you think you are being screwed, you should know, Screwed means: Tightened, Torqued, Leveraged, Impaled, Pressured, Squeezed, Fastened, Forced, Pinched, Turned, Twisted, Secured.
First, we went to an agent we were familiar with. She turned out to be the insurance agent who refused to issue a policy for minimums. I walked out. She quoted WAY too much. Far more than the amount I knew it should be. (She’s stupid. If you will ONLY handle high rates, you LOSE all the bread and butter customers, and you make literally 1/10 the money that agents do that take all comers. Her office kinda shows it.)
Next, the one who promised they’d be happy to issue the minimum coverage I wanted. Only she couldn’t quite figure out how to quote it… and the computer would not bind it… and it would take a few more days. She was friendly, so I gave her the benefit of the doubt in spite of her yellow orange hair.
A WEEK later, she finally has the quote. She quotes me almost THREE TIMES the amount we had been paying. MORE than the one did for 100k coverage. instead of minimums. How does that work? You get LESS insurance, but you PAY MORE?
We quit. Went to another company – one we’d been happy with before. They wanted EIGHT DOLLARS MORE per month WITH THE TRUCK than what we’d been paying for JUST the old car. And I do mean OLD car.
We canceled.
Now, insurance bills TWO MONTHS in advance. When you get a new insurance policy, if you pay monthly, you pay for the first six months over FOUR MONTHS time, and you keep a buffer of 2 months. Always has been this, and American Family was no different than any other.
A week and a half after we cancel, AMFAM sends me a notice. My refund of $21.21 is processing. I should have it by check within two weeks.
Now… They owe us MORE THAN $150. Two months PLUS the part month. And all they are counting is PART of the part month. They want to back date the outrageous rates to the day we purchased the vehicle.
So three weeks later, (I did wait to see if the check arrived), no check, no refund. Not just crooked in one way, crooked all around.
I call. The sweet young thing tries to tell me that there is no 2 month buffer. That they only owe me $21. She tells me they sent it to our street address instead of to our billing address (We do not have street delivery, the Post office will reject it and I will never know.). (Companies like that do NOT make that kind of mistake unless someone is tampering with the mailing of the check. This is done to cause the check to be returned, or to send it to a third party.)
The little squint then tried to find out whether I had insurance now, and told me she could not remove the truck (which we never did authorize to have added) from the policy (to adjust it for the time during which I had not been given a price nor agreed to anything) unless she reported me to the Kansas State authorities for not having insurance on my vehicle so they could fine me, and she said she’d have to report me to the finance company so they could charge me for insurance for however many days we did not have it on the vehicle. Bully boys bully.
This whole situation involves all kinds of things. Software, and crooked associates, mostly. Software exploits that let someone quote high while leaving low benefits, usually by overriding company rates. Software that lets someone manipulate payouts. And then dishonest employees that are willing to lie for each other – they close ranks, like jail people, and like politicians and dishonest lawyers, to tell the lie that leaves you unable to get justice. They will never admit what you are owed. Without a lawyer who IS honest, you can’t do anything about it and they know they can just bully and win.
I would not have thought it was this deep in this company. Corrupt and greed stricken (and stupid) agents in a specific region, yeah. But I did not think it went all the way up.
We are with a different company now. I expect things won’t last long before they start ratcheting the rates. But for the next six months, I can breathe where my insurance rates are concerned.
Come back, American Family. We need you.