Insurance Claim Help and Advice to Answer Your Questions
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This website is dedicated to empowering consumers with insurance claims against “low quality insurers” and will give insurance claim help with advice and answers to insurance claims questions. It began with help from UClaim.com, a “do-it-yourself” insurance claim help and advice eBook website, which currently has a free 2nd eBook offer at UClaim.com.
This website will help with auto, home, marine and business claims for losses including but not limited to fire, water, wind, flood, theft, total loss and denied claims. This website aims to help consumers with existing claims as well as “preventative maintenance” – avoiding “low quality insurers” before you have a claim (See “Best and Worst Insurance Companies” link above). Click on the “Rate Your Adjuster!” link above and comment on your adjuster, insurer, contractor body shop, etc.
Our contributors give you their best insurance claim help and advice. Posts and website content are from the viewpoint of insurance claim advocates for the policy holder, not the insurer.
InsuranceClaimHelp.org was born out of frustration with “low quality insurers”, who like many big businesses today, have been allowed to do whatever they please, much like many large corporations in the early 1900’s that spawned antitrust laws and the formation of labor unions. Unfair claim practices laws mean nothing to low quality insurers, who routinely violate those laws and dare anyone to do anything about it.
Don’t count on the Media or the Government to solve this problem. The media and the government are controlled by big money. You are not going to hear in your local newspaper that European Smart Cars are getting 70 MPG (American Smart Cars only get 33 mpg!) when your local car dealer is buying full page ads to sell his gas guzzlers. Insurers don’t spend ad dollars just to get blasted by the media they fund. The answer to the insurance problem is YOU voting with your wallet. See below “YOU are the answer”.
The Problem – The mainstream media is more interested in ratings and advertising revenue than really helping John Doe. Consumer advocate news stories are token window dressing to make it appear that the media really cares. The government just is not doing the job. Legislators will not enact the laws needed because most legislators depend on campaign contributions and other “perks” from the big corporations. Most of our “not so honorable” honorable Judges have ignored the purpose of punitive damages. They won’t even impose a 1% of net profits penalty. And let’s face it, while we may believe that we have the best judicial system in the world, just as we believe America has the best of everything in the world, it just ain’t so. Judges get bribed here and set up with untraceable numbered off-shore bank accounts, just like everywhere else in the world. The insurance regulatory Executive branch of government is mostly staffed by ex insurance company personnel, who truly believe “the insured is the enemy.” For states where the insurance commissioner is elected, occasionally a true consumer advocate gets elected. But their efforts are resisted by their own employees. More typical are insurance industry friendly insurance commissioners who master the art of propaganda – making it appear they punished a 200 billion dollar insurer with a 2 million dollar fine that should have been 200 million dollars, or “going after” an insurer who failed to donate enough money to his election campaign, taking credit for premium reductions, mass publicizing the prosecution of fraud by a little guy body shop or insurance agent (and they should go after fraud by both insurer and insured, but the point here is that they really don’t punish fraud by insurance companies). Local district attorneys are no different. They have no interest in fraud by insurers. But they eagerly go after the little guy. Local district attorneys often get much of their funding from the insurance companies themselves. So why would a district attorney want to bite the hand that feeds it?
This is not to say that there are not any good insurers or corporations out there. Companies like Nationwide Insurance, WalMart and Southwest Airlines are too few. Most of today’s consumers are suckered with slick advertising by insurers like Geico, Progressive, Farmers Insurance Group and Allstate. Consumers are cheated when it comes time to pay a big claim. Note – to those of you who say “oh, my company paid my claim fairly and right away”, I say most of you are talking about repairs to a vehicle. It’s pretty hard for an insurer to screw an insured on a vehicle repair when all you have to do is open your eyes and see if the paint does not match or the panel is not straight.
YOU are the Answer – The best way to punish or change a “Bad Boy” insurer is to take away their business, or, put them out of business. How do YOU do this? By giving your business to the “Good Boy” insurers. How do you find out who are the good boys and the bad boys? Currently, the best claims rating website of insurers and their vendors is on this website. It was donated by one of our contributors, Ron Cercone at UClaim.com. These ratings are by insurance consumers and their representatives who have had insurance claims. They are not insurers conducting their own surveys. They are not ratings by “A.M. Best”, which rates insurers on financial strength, for example “AAA+”. Beware insurers with advertisements like “we have a 95% customer satisfaction rating”. They are just rating themselves. Beware insurers who boast a high A.M. Best rating, which is not relevant for 99.9% of consumers. The consumer rating system here is not just insurance company ratings . It gives ratings of the insurer’s own employees and vendors. You can see ratings on their adjusters, body shops, contractors and even their lawyers. If you don’t like the adjuster assigned to you, ask for the one with the good rating, and punish the Bad Boy adjuster with a bad rating. This is how YOU, THE PEOPLE take back America from those corporate bad boys drinking their Marguerita on a Caribbean beach with your money .