some punk kid making decisions about my welfare

It appears that there is interest in what I am saying. Thank you for reading this blog. Yesterday , I realized that it wasn't so long ago that I couldn't remember what a mouse was. Not the little creature type. One reason I have been so slow in getting this done are the levels of pain I deal with and the brain damage. Assaults to the head result in brain damage in different ways. I am convinced that assaults to the neck, called whiplash, result in more damage than is acknowledged. Fybromyalgia being one. Another topic for another blog. I have so much to say.

Anyway, people say things regarding their experience that pertain to the need for reform. Yesterday someone said something about how a punk kid on the phone said their injury was due to their age not the accident. A doctor did this to me. She worked for the insurance company.

How to explain this? This matter is part of the whole medical insurance system. Obamacare will be a bigger nightmare than any can imagine. Our value as humans will be regulated by people who may have the moral character of a Hitler or Obama for that matter. I listened to Obama for 5 minutes when he was running for Pres. the first time. I knew he was a pathological liar. That's all it took. I judged his character. He was voted in and we get Obamacare. What kinds of people will be making decisions about our lives and by what regulations. My experience with the auto insurance industry has been a microcosm of all that will come in this area.

Back to my experience with auto insurance. In the book Delay, Deny, and Defend, Feinman brings up the topics of how these companies are determining what is paid for. It is an excellent read. I think my perspective is more centered on the real practical issues for the people.

For today I want to discuss how the phone lines are being used to take claims, then to deliver conclusions on these claims, never any real contact. Decisions are made by people now who are profit centered, some immature, undereducated, and controlled by others who are profit centered. Or like in the Vulture Culture, another book discussing insurance issues, it was revealed how adjusters in State Farm get benefits by limiting benefits. ( A group of Vultures is called a committee) Yesterday I addressed the insurance commission in Colorado. Most people realise that these commissions are corrupt all over the country. 

Back to my original article. Who defrauds who? These actions were called stealing at one time. When our money that is supporting these companies is going to lawyers who should not be a part of the system, or doctors whose only purpose is money, making judgements about our well being, or some adjusters whose goal is to get enough for their libido desires, whatever that is. People using the auto as a weapon for gain. This should be called assault and battery, and should be punished instead of rewarded.

I received from the insurance commissioner's  a copy of a report from State Farm. A Susan Singleton , called a Section Manager, noted calls and statements by me and their employees. What parts were true or false, who knows.

It boils down to someone or ones at the top, making decisions about our lives and well being with money, profits and gains being the focus. This trickles down.

Solvency is critical in the insurance business.This is where good stewardship is critical in the leadership of the insurance industry. But as I think about where our money is going, it should  not be to  the self interests of people who care only about themselves and their self interests, but the people who support the system, a system that was established for the people and by the people.

Fear and futility are the emotions of our culture. I want to determine where my money goes. In this country that means we need people who we allow to run our country to have righteous minds, a level of decency, common sense.

The Insurance industry needs to become a service organization. Not a profit Center.

Our mind sets need adjusting.

Visiting the insurance commission,Denver

I was going to publish a letter to warren Buffet yesterday but while writing I realized I needed to do some more research.

Also while in Denver in July, I filed a complaint with the insurance commission. They did follow through. The complaint was handled by a Bruce W. Glaser, Senior Complaint Analst. I stated that State farm used various forms of fraudulent behavior to delay or deny coverage (in their words) their insured driver was 100% at fault. To summarize I wanted full payment for all damages, medical expenses and loss. AND prosecution of all parties involved in the fraudulent acts of State Farm Insurance Company who were involved in the concealment of infornation, blatant lies, and other forms of manipulation involved in the case.

State farm was asked for a summary of the claim.

I met with Bruce a couple of weeks later and was given copies of correspondence from the commission to STF and a 6 page "summary" from Susan Singleton, Claim section manager. I was accused of not wanting to speak to a Dave Baca to address my concerns? I guess this was some sort of questionable act on my part that may be in question. I don't know.

Bruce gave showed me the paper work and proceeded to justify the actions of STF because I had waited so long to contact the commission.I was going to get nothing and had no defense. That was it.

Now Bruce, a tall man in cowboy boots, so Colorado. I noticed because I dropped my cane and when picking it up, well I noticed the boots which were very expensive looking. He was formidable and not nice. It's as if he was going to put me in my place right away. I think this is also the good old boy mentality of Colorado. Bottom line, they did not investigate my complaint, I have evidence of their fraud and lies, and was not asked to present this. Bruce said he defended the law which I am familiar with, and he was not. i quoted a couple of terms and asked if he was familiar with them. I also asked if he had read Deny, Delay , Defend or my article. He had not.

I had always suspected that the commission was worked for the insurance companies especially from an experience I had in the 1999 accident. This experience confirm my suspicion. I realized he was impotent and told him so. My complete thought was "buddy you are in bed with the insurance company and that renders you impotent". He said another word for impotent but I stood my ground. I think it was the cowboy boots that drove me to it. and my age. My impression is that the insurance commission works for the insurance companies not the people. Back to my article. Read this if you haven't. It's posted as the original article.

I had a good reason for not speaking to Baca.I had already received a letter from their then attorney a Craig Nuss, which documented blatant lies.Craig no longer works for them.

What all this did was drive me to get the reform done. It is forming in my mind as I go along. My research into Geico and Warren Buffet's influence over the auto insurance industry is revealing. I cannot begin to grasp this mans genius but he has played a vital role in keeping these companies afloat. What I desire to ask of him on behalf of the good American people is forming in my mind.

letter to warren buffet

How the piranha eats the shark, joining forces.

I have just spent an hour and a half typing a letter to Tom Griggs, a claims manager in Michigan. I hit some thing and it disappeared. I can't seem to retrieve it.
Essentially it was another request for payment of my claim. I am going to give out his phone #. Calls to him may be the way to get this accomplished.
claim # 31155180

His phone # 248-488-2723 or
877-823-6503 Ext.2723

My file was supposedly sent to Michigan several years ago. The fraud involved with my case is beyond comprehension. The consequences of not paying the essential claim beyond description.

Tom, I left a message on your phone saying I was writing a letter to you on my blog. writing this blog takes such a long time for me and I lost it. My hands tremor and I probably hit a wrong key. Please send notification of payment of settlement to martamoran23@gmail.com
I left a demand letter at the Farmers, on Hampden in Denver, CO. I know the money has been released. I am destitute. Money will relieve some of the pain and suffering. Your delay actions have been cruel and criminal.

To the readers:
I am reading a book called Thick Face-Black Heart
the author has key points and one that may fit this enormous endeavor of how to get real reform is "How a piranha eats the shark" One piranha can't do much against the shark but multiple piranhas. You get the point. people have said to me "it is just too big". I am one small voice but multiple voices can make an impact. I have been contemplating a strategy. It is our money! Call Tom Griggs. No more nice lady. I will be posting more contacts.
Help get this reform out there! It is our money.

visit to Farmers Insurance, Denver, CO

Farmers has a large office in Denver, Co. I had been calling a Tom Griggs in Michigan regarding my claim. Several years ago my claim had been sent to Michigan and I was told to contact a Jim Kelly. Tom Griggs is Kelly's super or that is what they claim. My back injury has never been resolved. I had approached the Farmers office here before they closed several times with requests for treatment. The last person was a Mary Anne, before her a Greg Jarvis. There has been a lot of progress regarding back injuries and I had found a treatment that was safe and showed a high percentage of success. However these treatment centers were in other states. I was again ignored or told some story to way lay my attempts of getting recovery.

I have this time problem. I seem to be in a state of lethargy due to the brain injuries and the pain.God, why am I still alive.

I decided to get my money! There is treatment that will alleviate much of the pain and maybe correct the back injury, 13 years old now.

Hence, another trip to Denver. in the book Deny, Delay, Defend, the author describes the practices of claims adjusters. I had an interesting encounter. They can be evasive but this time I was told to "drop dead" The receptionist went to the back office, i had requested to speak to someone regarding finishing my claim. I heard the female she was speaking to say "tell her to Drop Dead".A young woman came out who was there to console me and tell me my claim was given to Jim Kelly. I told her that I had been in touch with him and his supervisor over the years. The harsh looking blonde female, came out of the inner office and while passing in front of the receptionist pointed at me saying "is that her." I am a plain looking, but stylish, 68 year old lady. Trust me I've wanted to drop dead many times. I even called the hemlock society at one point but when they seemed so eager to help me drop dead, I decided to not give them the job.
I was stunned again.
I returned the next day with a demand letter. Then went back a couple of weeks later. No results. I will be contacting Tom again. There is money for me. I lost everything and have been living in or out of my car for years.
I insured both of my houses with Farmers as well as several cars. When I took out the policies the first time, Colorado was a no-fault state and offered complete coverage whether an accident was your fault or not. State statutes backed the policy holder. Due to the incompetency of claim reps Avis Duncan and Paula Chase and the guy I mentioned before who was running the Colorado Springs office, I was sadly treated.
What is hard to grasp is that I was physically and seriously injured, and vulnerable.   In a great deal of pain. I Was in a state of confusion. These reps are there to guide. How I was treated was reprehensible.They even sent a letter stating that my policy was not in effect at the time of the accident. They told me I would not need an attorney. I did try to hire an attorney by writing out the case and delivering this to several, about 10. One finally said that the case was complicated and that they would not make enough money off of me.It was so confusing. I had no idea what they were talking about especially with those I spoke to directly. Colorado Springs had a conservative reputation, with low settlements.
This is probably the largest bad faith case out there. But who to turn to. The insurance companies are required to pay. They pull the statute of limitations card out but this means nothing. In case anyone out there gets this thrown at them.
This accident unveiled a corrupt cop, documented. More evidence would reveal that the couple in the other car were not honest. Like there were two separate accident reports, both with false info, but one even had more people in the other car than there were.
I am tempted to give Tom's phone number out. He sounds like a decent man and may be trapped. I have got to be a thorn in his side.  Sorry Tom. JUST GIVE ME MY MONEY!"

the original article

July 25, 2012

Since 1999 I have been experiencing a wakeup call. Not unlike the Tea party Movement that would take place about seven years later. November 1, 1999 I experienced the first of 3 auto accidents and an elevator accident. I was seriously injured in the 1999 and 2008 accidents, then again in the elevator accident. I had the naïve notion that should I experience an auto accident in which I was injured my insurance would cover the experience.

The November 1, 1999 event started a series of incidences that would unveil how corrupt and complicated the auto insurance industry is, as the books the Vulture Culture and Delay, Deny, Defend would reveal later in 2010. About a year after the 1999 accident I came across writing by Richard E. Stewart. He wrote in 1978 what I was living through and some of what the other two books would cover more extensively. They all emphasized the need for reform. Not just lowering payments.

I was well insured by Farmers who started to pay along the no fault lines the state of Colorado had at that time but after a few weeks they started some delay tactics then denial. I contacted several attorneys in Colorado Springs, Co. One after another said they would not take my case, reasons being- El Paso County was too conservative and settlements were low, my case was complicated and that an attorney would not make enough money off of me.

During this time the thought that these companies are using our money to support a system that is complicated and corrupt instead of stewarding our money for the benefit of its supporters kept coming to my mind. I kept thinking – But It’s Our Money! Sounds like the outcry of the Tea Party movement. Then the question – why are we allowing this?

Colorado would change from the no-fault system to the tort system. This would establish an even greater no win situation for the consumer, essentially, defrauding the American middleclass. Also auto insurance would become mandatory. It is a form of taxation. Sounds a little like Obamacare to me. Now in all 50 states, auto insurance is mandatory. There are also punitive laws now for not having insurance.

Again it’s our money!

Some thoughts and questions!

·         Are insurance agents still paid a commission off of mandatory payments?

·         Lawyers scam the system making everything complicated. It’s our money!

·         Adjusters (claim representatives) make decisions managing our money based on computer programs and company profits as well as their own benefit. Special favor and awards-like the Vulture award (State Farm) are given out to employees.

·         Medical personnel are paid to minimize physical consequences of injuries endangering the welfare of victims. Bottom line they lie.

·         Then there are those who use the vehicle as a weapon to cause an accident with monetary gain as their motive. This is criminal. There seems to be no thought of the consequences of injury or the possibility of manslaughter.

·         Why do these insurance companies spend so much on advertising when insurance is mandatory?

Our money supports this!  Why are we allowing this?

The cost to the medical field is huge when an insurance company does not pay the medical bills they are required to pay. In the tort system one’s own insurance pays the medical. A lien is placed on any settlement. In my case there have been no settlements. In the 2008 accident State Farm offered a measly $42,000 with an initial medical bill of $25,000 which was covered by Medicare. I asked the attorney I hired-what would happen when Obamacare stepped in and my injuries from the accident would be considered preexisting should I live. Would this become a decision of some review board? His response was that Obamacare would not step in until 1014. Maybe he thought I would not be around by then.

We pay coming and going.

I read this statement in one of the writings. “Pursuing an insurance claim is like running a marathon on a stretcher with IV’s.” In my case it has been worse.  The system was set up to insure recovery not hinder or prolong it or even destroy the chances of recovery.

Yes, there is fraud against the insurance companies but I suspect that it is nowhere near what the companies claim. The real fraud is toward the real victims of vehicular crime. For example in situations where someone runs a red light, drugged and drunk or setting up accidents or neglecting to post warning signs of dangerous, faulty equipment and the insurance company delays, denies or forces a claimant to defend. Then there are waste and other forms of mismanagement of our money.

Who defrauds who?