- Report: #1509901
Complaint Review: Oklahoma Farm Bureau Insurance - Tulsa Oklahoma
Reported By:
Michael -
Dustin, Oklahoma, United States
Submitted:
Updated:
-
Author Confirmed
Why?
Oklahoma Farm Bureau Insurance
10777 S Memorial Dr. Tulsa, 74133 Oklahoma, United States
Phone:
877-240-9338
Web:
https://www.okfarmbureau.org/benefits/farm-bureau-insurance/
Categories:
Business Rating:
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Oklahoma Farm Bureau Insurance They want me to claim the accident wasn't their fault to settle. Tulsa Oklahoma
On May 15, 2021 I was stopped at a red light (it was about to turn green) and I was slammed into by a lady in a 3 month old Dodge Ram truck. My wife and I both suffered minor injuries, with my wife very sore longer than myself). The young woman profusely apologized and admitted she was looking over at her son with a Slurpee. She admitted fault (although it was obvious as I was at a complete stop with another vehicle in front of me) to both my wife and myself and again to the police and her Insurance agent.
They responded very quickly and issued a check for my car damages. When our medical treatment was done they made an offer to pay the medical bills and give us each $1500 for our injuries. We are not sue happy people and the other driver was so upset at hitting us we had no problem in settling. When the paperwork came it had all the normal wording but specifically denied fault (" I understand and agree that this settlement is the compromise of a doubtful and disputed claim and that the payment is not to be construed as an admission on the part of" drivers name "or Farm Bureau, by whom liability is expressly denied.".
I could not, in good conscience, sign this knowing it was a lie. I contacted them to have them tell me this is mandatory. I offered to forgo the $3000 for them to remove that clause and put any other language to protect them from further litigation and settle, they refused. After several back and forths I told them I would pay my own medical bills and turn to social media as I do not want to sue anyone. I asked them to send me the bills so I could pay them. They didn't send them or return my calls.
I called them today and they said they were going to pay the medical and if I wanted to pursue the personal injury that I could. They said they could do that without settling the claim which leaves me with the possibility of a rate increase as liability is not established. Am I crazy or is possible for them to protect themselves and still do the right thing without making me go against my morals?
I could easily sue the driver in small claims court and have a ruling that shows the driver was at fault. This would unnecessarily put her name out there even though the insurance company would still pay the settlement.
1 Updates & Rebuttals
Robert
Irvine,California,
United States
Overthinking and overreacting?
#2Consumer Comment
Wed, July 14, 2021
Based on the wording it sounds like there is no RipOff and you may be overthinking and overreacting.
It is saying that the insurance company is not at fault. That is factually correct because they are just paying your claim on behalf of the insured.
They are saying it is not an admission by the driver. That is also technically correct. It is not an admission of guilt or innocence, that is really a concept for a court of law. This is just a payment of a claim. Because the driver is not part of that document, they will pay the claim regardless of what the client says, therefore the insurance company can not make that claim on behalf of the driver.
Actually, if that was the only "restrictive" language they put in. If you discover additional damages later, it sounds like you could go back to them and sue them for more. Where in most cases there is already language that says that you also waive your rights to any additional claims.
Personally, I think you should go get a quick consultation with an attorney if it worries you that much. They might read the document in totality and 100% agree with you, but they also may read it and disagree with your assessment. If you were willing to forgo $3,000 a few hundred dollars may be a wise investment.
