Complaint Review: AAA Renters Insurance

I submitted a claim for a burglary in April. The beginning of this joke is that the girl that answered the 800 number didn't know where claims were sent. She had me send my claim to the Walnut Creek, California office. When I contacted the adjuster IN OKLAHOMA CITY, he said he hadn't received it and that it sometime took longer than 3 days to get to him. After another week I called and he had just received it in regular mail from the California office. 7 days wasted.

The next and most vexing issue is the amount of detail they require. I sent a handwritten list expecting them to come back asking for more details. They did, and I submitted 88 pages of their forms and copies of receipts. Again I waited. After a couple of weeks I emailed asking what the status of the claim was. The contact person said that it had been assigned to someone else, and they would be getting back to me.
The next inquiry resulted in "need more information" again. I saw that they were using the 2nd submission, but not the 88 page submission. I told them to try again.

A couple of more weeks went by (we're now into month 2), and I asked what progress had been made. Again came the comment "she needs more detail". The submission had every item that was stolen, a receipt for the purchase price showing the date, the amount I paid including tax and shipping. Figuring I wasn't dealing with someone familiar with tools, I sent pictures from the web site where I purchased the first items. Again, after another week, "I need more details" and "I don't understand what you wrote", along with THEIR form (different from the original form). I filled this out with infinite care, listing on separate lines, each item, reiterating the price, age, and condition, and referring her back to the receipt and photos.
Again came the response "I don't understand what you're putting in the form, I need more detail and some B.S. about how to fill out the form if I had a Toto lawnmower.

I warned the initial contact person that I would be sending letters to the editor of Consumer Reports, as well as explaining my situation on every possible site I could. AND I warned him that this treatment was discriminatory and I would be suing him in small claims court in Arizona for $10,000 (which is the maximum allowed). This I intend to do next week. I learned from a hoochmate in Iraq, you don't sue the company, you sue the employees in small claims court because the individual can't bring a lawyer, and the company will disavow them as soon as HR receives the summons.