April 16, 2012
To the editor:
My car was totaled in a rear-end collision in December of 2010 in North Pole. Three of the five of us in the vehicle had injuries that required medical care. We were stopped at an intersection at the time of the impact and did nothing to cause this accident. Therefore, I assumed the offending party’s insurance company would treat us fairly. That was a mistake.
Insurance companies, at least this one, now make a concerted effort minimize your compensation. They have a computer program to assist them in doing so. They will immediately call you and voice their great concerns on your behalf and even admit their party was completely responsible for the accident. They then proceed to trivialize your damages, ask leading questions and document any statements you make to use against you if you proceed with legal action. Do not talk to the insurance company when they call. When they say calls “may be recorded,” they are.
My advice, and as one who is strongly against litigation, is to consult a lawyer. Do not assume you will be treated fairly by the insurance company.
I was not compensated for my destroyed vehicle fairly but received only the minimum that state law required, with which I could find or purchase a comparable vehicle in Fairbanks. They even tried to “low ball” that amount.
Instead of assuming responsibility, as originally admitted, and compensating us for our injuries, the insurance company attempted by phone calls to get us to state that our injuries would resolve themselves, and so they were going to “close out our medical claims.” They even went to the extreme, by later letter, of implying that I was faking my injuries and therefore was not really due any compensation.
So do not deal with insurance companies on your own. They believe you are unethical, and therefore they will treat you unethically. Consult a lawyer. This is only part of all I would like to state about this irresponsible insurance company, so educate yourself and web search “worst insurance companies” to learn more.