American Family Insurance - Auto

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Paul of Berwyn, NE November 6, 2009

This is actually a follow-up on the October 14, 2009 note about American Family. They still have not settled with us on the total loss of our van. They stated that they made the determination of us being 25% at fault even though we had no traffic control with the exception of a speed limit and we were 10 mph below the limit. Their driver was cited for careless driving and they feel they are not completely at fault!

Am. Fam. has told me that since they have made the determination, it will not be changed without a lot more evidence. The police report and the breaking of the law is not good enough to determine liability with them. In the meantime, we have been without a vehicle for nearly two months.

We are planning to settle with our personal company, Farmers Union who has been so very helpful and as shocked as we are with the outcome. It is no wonder why insurance is so high and why so many feel wronged with the claims. The next move is to enter a complaint with the Department of Insurance. I did visit with them a couple weeks ago and I am with the understanding that if all my evidence is proper, which I assured them that it was, American Family will be changing their determination very soon.

Lisa of Glendale , AZ October 15, 2009

I was in accident with an AMFAM insured. No ticket was given at the accident but the other driver was advised that he needs to be sure the lanes are clear before he enters traffic. My insurance states he is at fault and AMFAM is disputing the claim. Here is the complaint... Sharon was nice as could be in the begining. Offered to advance my deductible, returning my calls and over all pleasant to talk to... then one day she says i am at fault and will only accept 40 % of liability and I an never to call her again. WHOA... uhm yea... so caught in the middle and dont even know what to do now. Just wrong... really wrong.

Paul of Berwyn, NE October 14, 2009

Our vehicle was totalled following an accident where the policy holder of American Family was responsible. She was given a ticket by the police officer at the scene of the accident due to her careless driving. Their driver left a stop sign and hit our van broadside.

Since it wasn't our insurance company's responsibility to ultimately pay, we tried to work with American Family to settle. They did not contact us until 2 weeks following the accident and then tried to blame that on the time it takes to get the accident report (these are available on-line at a reduced rate compared to having them mailed out and was availabe 4 days after the accident). Their representative somehow determined that "according to Nebraska Law" our driver had 25% of the liability in the accident - even though their was no traffic control on our road and the other driver admitted that she hadn't looked before she pulled into the lane of traffic.

We found their representative cold and unfeeling when it came to the fact that we were the party at a loss that we were not liable for. She was unwilling to actually listen to our side of the conversation during phone calls even hung up during one coversation. She did take the time to put in her notes that she "ended the conversation". I guess that is the code word for "hung up" at their company.

Throughout this process, they have not been willing to give any compensation for the excellent condition of our vehicle and even went so far as to encourage us to contact an attorney. We are not the type of people who sue to make a financial gain, but after dealing with Pamela it is easy see why some people may choose that route. We do not feel that it is morally right to expect our own insurance company pay for somethimg when the other company is ultimately responsible for the loss.

Jessica of Rice Lake, WI August 20, 2009

I was the sandwich vehicle in a rearend accident-I was pushed into the vehicle in fromt of me. My car was totalled the woman who hit me admitted guilt. She was insured by AFMI. They were good about taking care of the car. As far as my expenses medical and otherwise they have been a pain. They drag their feet until I do their work for them so they things can move ahead. Their settlement offer is a joke it barely covers my expenses with nothing for pain and suffering. I am a mother of two who for more than a year delt with serious neck and shoulder problems. With treatment they are greatly improved, but not gone.

They told me they are not even considering all my medical treatment in deciding on a settlement offer. When I tols er I felt the offer was unfair she told me my only option other than accepting it was to sue. They are definitely not dealing in good faith so I filed a complaint with the insurance commissioners office and am waiting to hear back.

Dan of Cave Creek, AZ August 11, 2009

I have a restored 1964 Chevy truck and i was hit by an American Family insured who ran a stop sign. He was issued a citation as for the accident... then American Family Ins. says that hes not insured....my insurance researches and says yes he is and they will sue... all of a sudden they say there insured is insured and will pay...I thought ok now its all taken care of............?

The frist problem was getting them to want to fix the truck, i had to show recipts and pics so they knew it was restored and would fix it. then they only wanted to do a half job and not have it done right, so that was a fight! Then there adjustor who was suppose to make sure things were done ect. was never there, the body shop would need to find certain parts or get permission to fix items, they would finally call me and i would find the parts and get what they needed, and spent money out of my pocket to get job done.

Of course A.F.I. does not want to reimburse me for my lost time to do this FOR THEM!!! and now 6mo. later they are nickle and diming me on my expenses and medical bills. And of course the LOW BALL BID to settle... and there low ball is under ground it so low. I have delt with so many people and i know they think that if i just get jerked around long enough that i will give up. But its not right!!!!! I have decided to get a lawyer, i am so mad that i don't care if i lose money at this point just to make them pay what they owe, even if it is to a lawyer and not me. And of course AMFI will not understand because I'm sure they don't have the concept of principles!!!!

Lizbeth of Beaverton, OR July 21, 2009

I was rear ended in an accident 1n 2004. My low back and neck were injured. I have neurological injuries that cause numbness and pain. American Family worked with Farmers Insurance to minimize how much they would have to pay. I paid AMF to protect me. They went the extreme opposite by disrupting, denying treatment and refusing to pay. Not only did they not do what I paid them to do, They worked against me. My lawyers said that it is standard practice for AMF to implement a Medical Evaluation by doctors on their payroll, after which they say that treatment is no longer necessary.

Chet of Orem, UT March 18, 2009

Chet of Orem UT (03/18/09)
First of all I had two vehicles insured with, they started out charging me 240.00 for both vehicles fully insured. I started school and sold my truck, they decided to raise my insurance to 296.00 dollars a month. Well they gave me the run around so long I found another company to insure us fully for 168.00. I paid my 296.00 on the 10th and then canceled on the 13th of the same month. Denise said my check would be the 296.00 minus 3 days of coverage, she also said she would call me and verify it, nothing.

SO i called in and made sure, they were only going to refund me 150.00. They charged me 150.00 for 3 days of coverage. They are making bank. Denise again gave me the run around and could never give me a proper answer. Good bye and good riddance to this crappy company. Never go with them!

Loss of money. They stole 150.00 bucks from me.

Ana of Holladay, UT January 26, 2009

Ana of Holladay UT (01/26/09)
I find it strange that the other individual from salt lake city has the same agent as me; Aaron. I find that this guy is cheat! I totaled my car in November and he told me I must pay my regular insurance for the next month even though I do not have a car. I was upset, but they were paying my medical bills so I did not fight. However they are now saying they will not pay my bills and they need to send me to another doctor to check up on me because I must be lying.

Although they have not credited my money back to me and expect me to keep paying insurance on my sisters car every month while they question my integrity. American Family Insurance does something funny and Aaron is not any different from the rest of the company. I would like to fair warn all individuals to steer clear of American Family Insurance it's another company looking to cheat you for your money.

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