Wednesday, September 22, 2010

The Worst Insurance Company in America

A report listing the 10 worst insurance companies was recently compiled, based upon claim denials, premium increases, and refusing coverage to those who need it most. And guess who made the top of the list?

Allstate. That's right, The good hands people! Were found to be the very worst when it comes to putting profits over policyholders.

At a time when the economy is in a shambles, and unemployment still hovers around 10%, insurance industry profits are skyrocketing!

And one of the main ways the insurance industry makes $30 Billion in yearly profits is by denying, delaying, and unfairly defending against legitimate claims. Claims for injury made by people just like you and me.

Allstate is the worst, but they're not the only bad apple. If you would like the list of the 10 Worst Insurance Companies in America, just shoot me an email and I'll send it to you. Email me at

Tuesday, September 14, 2010

Allstate is the Worst of the Worst

Allstate’s advertising slogan is “You’re in good hands with Allstate.” However, in 1999 the company was exposed for trying to persuade injured people to take less than full recovery for their claims – and those same insurance practices continue to this day.

More than 10 years ago, several states took action against Allstate, alleging deceptive insurance practices, and two class action lawsuits were filed by consumers. Despite those legal cases, Allstate is still engaging in similar practices.

Allstate’s procedures are aimed at holding down the company’s costs in claims payouts. Allstate seeks out injured claimants who have not hired an attorney, and tries to settle claims with them directly in order to produce a lower settlement.

In 1999, the procedure was performed in a number of steps, including:

• Making the injured person believe they were dealing with an advocate, not an adversary;

• Sending letters to anyone not represented by counsel;

• Sending a brochure titled “Do I Need an Attorney?” to claimants who had not retained counsel;

• Rewarding claims representatives based on the percentage of unrepresented claims they processed.

Two primary concerns were raised about Allstate’s policy. First, Allstate failed to disclose the true nature of the relationship between itself and the driver. Allstate referred to the injured driver as its “client,” but that is not true. The injured driver was actually Allstate’s adversary in the claim; the party who had injured the driver was Allstate’s client.

Second, Allstate was talking to injured motorists about whether an attorney was needed for their claim. They were also advising accident victims about the statute of limitations deadline for their claims. Giving that type of advice is usually considered an unauthorized practice of law.

After over a decade, Allstate still follows many practices aimed at tricking claimants without attorneys into a settlement that s lower than they deserve.

If you have been injured by a driver who is insured by Allstate, you may need the advice of an attorney. If you have legal questions, contact the Frank Jenkins Law Office today. It’s our job to fight for your rights so that you can concentrate on your health and family, while we deal with the insurers and those responsible for your injuries. Call us today at 1-800-CAR-WRECK or contact us via email.

Tuesday, September 7, 2010

Another Win for Kentucky Workers!

I believe that when a lawyer takes a case, he should be willing to take it all the way. Sometimes that means all the way to the Kentucky Supreme Court.

We were hired by a nice lady who was injured at the American Greetings factory. She tried to get lost wage and medical benefits, but American Greetings and their workers compensation insurance carrier refused to pay her one dime. They claimed that the injury did not "arise out of her employment".

We argued that the insurance company should be ordered to pay what they owe. Unfortunately, the original judge on the case sided with the insurance company, and dismissed our lady's case. We thought that was totally wrong, so we appealed to the Kentucky Workers Compensation Board, and we won.

But the insurance company still refused to pay! Their lawyer appealed to the Kentucky Court of Appeals, so we had to keep on fighting, and we won. But the insurance company lawyer appealed again! This time to the Kentucky Supreme Court.

We kept on fighting for our client, and we won.

If you read the opinion, it will show you just how hard insurance companies are willing to fight in order to NOT PAY BENEFITS to injured workers. Get on the internet and check out:

At the Frank Jenkins Law Office, we take pride in how hard we fight for our clients. If you hire us to handle a workers comp case, or any other type of injury case, we will fight for you as hard as we can!