Complaint Review: The Hartford Insurance

This is a summary of a letter that I e-mailed to all the individuals handling my claim and to the CEO and President of Hartford Insurance. Individuals such as Dean Bates a supervisor of the claims department used his power when I questioned his denial of a portion of my medical claim to intimidate me.

Please read the below letter that was sent and you can determine that Hartford Insurance is not a company that acts in the insurers best interest and will result to any method of intimidation to force you not to pursue your claim. Dean Bates has been proven to be a liar, uses intimidation tactics when you questions any aspect of him denying a claim.

Aaron Hyle, in the Executive Offices of customer complaints does not return phone calls and this is how they treat they're policy holders.

BUYER BEWARE OF HARTFORD INSURANCE. 

Hartford Corporate Office Headquarters

The Hartford Financial Services Group Inc.

One Hartford Plaza

Hartford, CT 06155 USA

The Hartford Auto Management Care

P.O. Box 14269

Lexington KY 4051

Attention:  Christopher J. Swift, CEO.

                       Doug Elliot, President.

                       John Kinney, Chief Claims Officer.

                       Aaron Hyle, Executive Offices.

                       Dean Bates, Team Leader, Auto Management Care 

                       Suehal Mercado, Claims Representative AMC Med, Team 4.

                       Lee VanValkenburg, Senior Management Auto & Property Claims.

                       Liz Bounds, Team Leader Auto & Property Claims.

                       Tyler Rawlings, Auto & Property Claims.

To all listed in the above attention section.

This e-mail is being sent and should be delivered to all the above individuals listed in the attention section of this e-mail.

The attachment is in respect to the medically proven and therapeutic use of the Stress less Chair that apparently created a problem for myself with Mr. Dean Bates and his retaliation concerning the chairs. 

On Thursday 11/17/2016 Mr. Dean Bates sent me an e-mail with notification of wages, trip expenses and reimbursement’s being dispersed into my bank account along with the denial of a prescription for a Stressless Chairs that were prescribed and needed for medical reasons pertaining to the September 6, 2016 accident in which I was hit by an uninsured driver. Mr. Bates stated that the Stressless Chairs are not a covered item under the medical portion of my policy. Quoting the e-mail that he sent “Finally, be advised that PIP/MEDICAL PAYMENTS coverage does not cover a chair replacement for your Lazy Boy recliner as it would not qualify as an eligible “medical expense” as defined by the auto policy. We pay 100% of reasonable expenses for medically necessary medical, surgical, x-ray, dental, ambulance, hospital, professional nursing and rehabilitative services.

When I sent an e-mail back to Mr. Bates and questioned his decision and pointed out specific areas of our automobile insurance policy he replied by, quoting his reply “With regard to your submission for an “Exec Chair” $3054.00 and “Brown Lrg Chair” $2895.00; we are invoking our policy and statutory rights under the Florida PIP Law to an independent physician examination by a qualified physician. Please see F.S. 627.736 (7).  The independent chiropractic physician will review all records we have received to date and perform a physician examination to determine what past and future chiropractic ordered services are “medically necessary.” This will include the “chairs” that you have submitted”.

Please forward to Ms. Mercado all medical records you would like to be included for the IME physician’s review. Be advised that if you unreasonably refuse to attend the IME, Hartford will no longer be liable for PIP/MED PAY benefits.

The scheduling of the chiropractic IME appointment will be handled by a third party vendor who will be in contact with you shortly.

First: Mr. Bates states that the chairs are not covered under the medical portion of our policy and then he has a reversal that they may be covered by the wording he used in his reply to my reference within the policy.  

I believe that Mr. Bates not only is utilizing intimidation tactics at this time by his actions pertaining to specifically the chairs and my questioning as to why they are not covered under my medical policy with the prescription which has been provided to your company and then by his action of invoking  The Hartford Auto Management Care policy and statutory rights under the Florida PIP Law to an independent physician examination by a qualified physician under Florida Statute F.S. 627.736 (7).  The independent chiropractic physician will review all records we have received to date and perform a physician examination to determine what past and future chiropractic ordered services are “medically necessary.” This will include the “chairs” that you have submitted”.                                                                                                                                  

Mr. Bates reply has the appearance of retaliation against me personally for questioning his position on this matter and also falls in the realm of intimidation tactics that is found to be common within the insurance industry when insured individuals question or complain about individuals within insurance companies.

I also believe that Mr. Bates is retaliating against me personally and against my claim as a result of a 3 way call on November 16, 2016 with Lee VanValkenberg, Liz Bounds and myself in which I stated several concerns about the handling of my auto and medical claims. I specifically stated concerns that I have had past and present about Mr. Dean Bates, Suehal Mercado and Mr. Burkhart and I was assured during the 3 way call that all 3 of the mentioned individuals would be spoken to and the matters spoken about would be resolved and now Mr. Bates has chosen to exhibit his power thru intimidation and deception as a result creating additional stress on me physically and mentally.  

Now considering the fact that all parties involved with The Hartford Auto Management Care have the capability of securing all the medical records from the following physicians South Lake Hospital, Florida Sports Injury & Orthopedic Institute, The Neurospine Institute, Advanced Imaging Centers and South Lake Wellness & Injury Center along with all X-Rays, CT Scans and MRI’s and all the HEPA releases have been signed off on my myself for your company to receive the requested medical information I find it rather odd that Mr. Bates has suddenly invoked  the Florida PIP Law to an independent physician examination by a qualified physician under Florida Statute F.S. 627.736 (7) at this time considering the qualified physicians that I have already been seen by  other than to exhibit intimidation tactics and his own personal power of denying or providing medical care and ergonomic chairs that a prescription was provided to your company for my medical care at this time. The only provider that you cannot retain medical information from at this time is the Orlando Heart Institute and that is because they will not accept our Hartford Automobile Accident Insurance, however I am willing to provide full disclosure once the intimidation and mental abuse is rectified on the part of Mr. Bates actions against me.

I am sure that the Hartford Auto Management Care and The Hartford Corporate Headquarters has all the e-mails that have been sent to me and those e-mails that I have replied  to from your employees along with Customer Care Management logs of phone contacts and conversation’s I have had with individuals with your company. Please review especially the e-mails that Mr. Bates and I have communicated back and forth with since November 17, 2016.

Once your company upper level management reviews my concerns and the chain of events between Mr. Bates and myself, I can only assume that you will understand what I am experiencing with Mr., Bates pertaining to his deceptive, manipulative and intimidating tactics at this time and hopefully they can be rectified in a professional and timely manner.

It is extremely appalling to go thru what I have been thru pertaining to the accident on September 6, 2016 in which I was not responsible for causing and then along with having to constantly deal with the trauma, pain, suffering and discomfort and to then have to deal with the arrogance, lack of response, lack of communication, intimidation tactics and mental abuse that your company along with other issues has created for my life at this time. I thought that with the coverage we pay for that your company accepts that your employees would act in a professional manner and be more helpful than what I have experienced at this time. On a medically physical and mental level having to deal with your company has become a nightmare.

To all listed above in the header, please respond to this in a timely manner so that we can possibly resolve the issues that I have out lined at this time and lessen my stress over this whole ordeal.