- Report: #16105
Complaint Review: American Family Insurance Insurance Group of WI - Madison Wisconsin
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Author Not Confirmed
Why?
American Family Insurance Insurance Group of WI
6000 American Parkway Madison, 53783-0001 Wisconsin, U.S.A.
Phone:
608-249-2111
Web:
N/A
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Business Rating:
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Tell us has your experience with this business or person been good?
american family not stand behind consumer
I have had insurance with American Family, multiple vehilces and home, for around 20 years with very few claims(2 or 3 deer accidents). I recently(Oct. 01) called my agent and asked him to cover a new vehicle.(93' cadillac) I was selling my 92', high mileage and rusty, Ford Explorer. I told him to take coverage off of that vehicle. He called back later that day to say it was taken care of, he had switched coverage from the Explorer to the Cadillac. I did recieve a copy of the insurance, which I looked at briefly and put in my file.
I hit a deer in Feb.($2,744.27 damage), called my agent and told him to file a claim. He said no problem, until he looked at the policy, no comprehension. I said how can that be? He checked, and then reminded me it was taken off the Explorer months before. Neither he or I caught it at the time of switching from the Explorer to the Cadillac. He also told me he did not make any notes of the conversation we had about covering the Cadillac, in fact he asked me what I remembered; nothing is written down, my word and his only. He turned it over to underwriting, at first it sounded as if they might cover, but in the end they not only refused to cover my car, they plan on dropping me for a bad driving record that my son has(not me).
Doesn't the agent have some responsibilty to oversee and advise his client? Because I recieved a copy of the coverage, am I just going to get taken advantage of? Is this a Co. or Agent issue, or both?
Lynda
Green Lake Wisconsin
I hit a deer in Feb.($2,744.27 damage), called my agent and told him to file a claim. He said no problem, until he looked at the policy, no comprehension. I said how can that be? He checked, and then reminded me it was taken off the Explorer months before. Neither he or I caught it at the time of switching from the Explorer to the Cadillac. He also told me he did not make any notes of the conversation we had about covering the Cadillac, in fact he asked me what I remembered; nothing is written down, my word and his only. He turned it over to underwriting, at first it sounded as if they might cover, but in the end they not only refused to cover my car, they plan on dropping me for a bad driving record that my son has(not me).
Doesn't the agent have some responsibilty to oversee and advise his client? Because I recieved a copy of the coverage, am I just going to get taken advantage of? Is this a Co. or Agent issue, or both?
Lynda
Green Lake Wisconsin
5 Updates & Rebuttals
Ken
Indianapolis,Indiana,
U.S.A.
Appears to be an agent issue
#2Consumer Comment
Fri, June 04, 2004
The agent did what most agents would do; the cadi was only one year newer then the ford. The agent did what you asked him or her to do replace this vehicle with that vehicle. Had the replacement vehicle had a loan or was a newer model vehicle I am sure the agent would have asked about coverage's. Maybe he or she should have asked & advised on the coverage's. Since you had reviewed your coverage's just months before at the time you removed the comprehensive coverage from your Ford, Was it really necessary to review it again? The year of the vehicle has a lot to do with it, and you as a consumer have a responsibility to review your coverage's. The agent did the right thing turning the matter over to underwriting. The company did what the policy said it would do no comp no coverage the issue is with the agent if you feel you have an issue. Also if you son was still residing in your home he should not have been taken off your policy. The company my have made an exception to exclude your son from being covered driving the cars on your policy but if he resides in your household he should be listed on your policy regardless of whether he had his own policy. If your son did not reside in your home, the company should not even take in to consideration his driving record when considering non-renewing or canceling a policy. Hope things worked out for you.
April
Va Beach,Virginia,
U.S.A.
That agent should have given you the same coverages on your Cadilliac as your Explorer.
#3UPDATE EX-employee responds
Wed, April 16, 2003
Lynda, I worked for an American Family agent in Oregon for over a year (and now work for another insurance company). That agent should have given you the same coverages on your Cadilliac as your Explorer. They should have the same policy number, and the only thing they should have done is a vin change. AmFam usually doesn't like to put comp and coll on vehicles older than 10yrs, unless they have a leinholder. My suggestion to you is to ask the agent for a copy of your file, which should include all changes made to each vehicle on the policy in the last couple of years. I would suggest calling the claims center at 1-800-374-1111 just to give them info on the accident even though their records don't show you currently having comp and coll, just so that it is documented by someone other than your agent. Also ask for the district managers phone number so that you can call and let them in on the situation so they can help handle it. I wish you the best of luck!
Am Fam not stand behind consumer
#40
Wed, March 06, 2002
just ot clarify my son is not and has not been listed on my insurance as a driver for over 2yrs with American Family. He has his own policy with a different Co.
Am Fam not stand behind consumer
#50
Wed, March 06, 2002
just ot clarify my son is not and has not been listed on my insurance as a driver for over 2yrs with American Family. He has his own policy with a different Co.
Am Fam not stand behind consumer
#60
Wed, March 06, 2002
just ot clarify my son is not and has not been listed on my insurance as a driver for over 2yrs with American Family. He has his own policy with a different Co.
