Injured auto accident victim responds to personal injury attorney’s top 10 list of worst auto insurance companies by sharing her story of insurance abuse
This week, a reader named Kimberly contacted me after reading one of our most popular blogs: 10 worst auto insurance companies in Michigan. Unfortunately, Kimberly – like countless other accident victims and Michigan residents – is struggling to receive her No-Fault benefits following her car accident.
Here’s what Kimberly had to say:
“It is unfortunate the mazes and loopholes insurance companies in Michigan take you through…I’m going through something like this right now. I do believe from the information that I’ve gathered about UIM (underinsured motorist coverage) from this site is why I’m being held up for over a year now (Kimberly is responding to information and cases discussed on michiganautolaw.com about many insurance company adjusters using delay tactics in cases involving UIM car accident claims, hoping that unknowing accident victims will blow shortened contractual statute of limitations for uninsured and underinsured coverage).
I’ve been in the dark this whole time….I’m so glad I was directed to this site. It popped up on Facebook. I will be giving you a call tomorrow. Thank you so much for your honesty!”
Related information:
Uninsured and underinsured motorist coverage FAQs
Insurance company abuse in Michigan
Michigan Auto Law is the leading and largest law firm exclusively handling car accident, truck accident and motorcycle accident cases throughout the entire state for more than 50 years. We have offices in Farmington Hills, Detroit, Ann Arbor, Grand Rapids and Sterling Heights to better serve you. Call (248) 353-7575 for a free case evaluation with one of our personal injury attorneys.
Michigan’s Supreme Court recently ruled that insurance companies can use credit scoring as a methodology for premium computations. Frankenmuth Insurance Company is one of a few companies fighting for years in court, spending tens of thousands of their policyholders money to be able to charge those same policyholders higher premiums. Note from the court decision that Morrall Claramunt of Frankenmuth Insurance (Senior VP) was the person to testify on behalf of insurers. http://michiganmessenger.com/39481/michigan-supreme-court-rules-credit-scores-can-be-used-to-set-insurance-rates
Mr. Claramunt gave countless dollars to the conservative justices that formed the majority opinion on this decision. He solicited that money from the 400+ employees of Frankenmuth Insurance who did not want to give to a political fund but were basically obliged to do so. They (employee) never had a say in where or how the money was spent. Note Mr. Claramunt was the one to write attorney general Cox and halt an investigation in to alleged bribery allegation of a judge – to avoid paying on a claim. http://www.courthouseforum.com/…/phpmuzrGi.Frankenmuth%20Claramunt2%20response%20Bechtel%20response%205%...
Credit scoring has nothing to do with how a person will pay their premiums. In fact, if someone fails to pay premiums, the insurance company can cancel them. Credit scoring is a ruse to get more premiums to fund lavish lifestyles by executives. I have paid my premiums timely for 30 years. I’ve had Frankenmuth as my carrier for about 16 years. I have no tickets, no accidents and made no claims yet because I went through a divorce and don’t have stellar credit, they now charge me 15% more on my premiums.
Ironic that they took my timely paid premiums to fund lawsuits that would give them the right to use my credit score against me and charge me more for my auto insurance. I think this is a breach of their fiduciary responsibilities. I’m sure policyholders don’t want this mutual company to use “our” surplus to fund legal initiatives that allow them to charge us more.
Tom
Michigan’s Supreme Court recently ruled that insurance companies can use credit scoring as a methodology for premium computations. Frankenmuth Insurance Company is one of a few companies fighting for years in court, spending tens of thousands of their policyholders money to be able to charge those same policyholders higher premiums. Note from the court decision that Morrall Claramunt of Frankenmuth Insurance (Senior VP) was the person to testify on behalf of insurers. http://michiganmessenger.com/39481/michigan-supreme-court-rules-credit-scores-can-be-used-to-set-insurance-rates
Mr. Claramunt gave countless dollars to the conservative justices that formed the majority opinion on this decision. He solicited that money from the 400+ employees of Frankenmuth Insurance who did not want to give to a political fund but were basically obliged to do so. They (employee) never had a say in where or how the money was spent. Note Mr. Claramunt was the one to write attorney general Cox and halt an investigation in to alleged bribery allegation of a judge – to avoid paying on a claim. http://www.courthouseforum.com/…/phpmuzrGi.Frankenmuth%20Claramunt2%20response%20Bechtel%20response%205%...
Credit scoring has nothing to do with how a person will pay their premiums. In fact, if someone fails to pay premiums, the insurance company can cancel them. Credit scoring is a ruse to get more premiums to fund lavish lifestyles by executives. I have paid my premiums timely for 30 years. I’ve had Frankenmuth as my carrier for about 16 years. I have no tickets, no accidents and made no claims yet because I went through a divorce and don’t have stellar credit, they now charge me 15% more on my premiums.
Ironic that they took my timely paid premiums to fund lawsuits that would give them the right to use my credit score against me and charge me more for my auto insurance. I think this is a breach of their fiduciary responsibilities. I’m sure policyholders don’t want this mutual company to use “our” surplus to fund legal initiatives that allow them to charge us more.
Imagine the windfall of additional premium they will see in this economy!
Tom