Mark Romano gripped the steering wheel and tried to keep his car from swerving into another commuter on the busy Illinois tollway. “God, please don’t let me hurt someone,” he prayed. Dizzy again. These bouts of vertigo were barely noticeable at first, but something else was going on now. At night, he would lie in his bed, stare at the ceiling and watch everything twirl. In the morning, the spells came in waves during his commute to Allstate’s national headquarters in suburban Chicago. Stress? It was December 2007, and Romano was a senior manager at Allstate and its top expert
Comments: This is an important investigative piece for those millions who live in or near hurricane-vulnerable areas. It´s the kind of investigation newspapers used to do and the Post & Courier has done a great job. There´s an interactive map and search tools to help the consumer choose a fair insurance policy. When our deductible went up from $2,000 to $5,000 after Katrina--and we were in Charleston, SC--we began to wonder if we were paying for the mistakes made in New Orleans. This helps us find out.
I was rearended by an underinsured driver, and suffered a back injury that I essentially ignored for about a year. When I finally had an MRI, the radiologist misread it. And when I finally went to a neurosurgeon, he took his pen and circled the location of the injury, which required spinal fusion. After I had the surgery, my attorney (who I only sought out when the stature of limitations was running out in Pennsylvania) pursued the other company, as well as my company, since my underinsured/uninsured motorist coverage was involved. The other insurance company settled, and my company sent me to an orthopedic surgeon who specializes in providing expert testimony for insurance companies. In the end, I had to threaten a lawsuit against my own insurance company for failing to engage in good faith negotiations. They settled. A year later, I received a letter that I was covered under the lawsuit mentioned in the article. But in the end, my insurance company apparently was able to convince the administrator of the fund that my company did not use collosus, in calculating offers to me.
bottom line - insurance companies are in it to make money. you bet that something bad will happen to you, you house, and/or your life and the insurance companies are betting that it will not. when insurance companies loss that bet and you claim a loss, rest assured that the insurance company will adjust your loss down to the least that they have to pay. it is not surprising that they have come up with a program to reduce payout and increase their profit.
And thus, it becomes understandable why Obama and Thuggery want to own the insurance industry. Government already controls AARP, which ´sold out´ on the senior citizens who built it. .... ObamaCare will cripple many, and a lot of those folks were too ignorant to realize they were digging their own graves by giving this president their votes.
I have little doubt that this whistleblower and his family will lose everything after they are investigated by the IRS. This guy might even end up being a cellmate to the man whose film caused the murders of American citizens in Benghazi. s/o
"I don´t use Facebook (too much personal information requested), but I did want to comment on your article about computerized software for claims settlements.
I believe that state regulators do keep a close eye on the ways insurers operate. Do insurers have an interest on keeping payouts low, you bet. As someone who was paying for health insurance by myself, I know about the sham of "reasonable and customary" claims payments -- yet I was glad to have coverage even at lesser satisfaction than I felt I deserved. Do claimants lie, too many do.
I can understand the companies preferring to deal with people without lawyers. Lawyers need to get their fees covered out of the claims paid, thus automatically inflating them . Further, the extra personnel time required to handle the extra paperwork, court times, is more costly for the companies. If the insurance companies can´t make money, then they can´t stay in business providing claims when needed.
All lawyers aren´t saints, insurers and their executives are not saints either. The tension between them and the regulators by the state keep most insurers honest enough for this imperfect world in which we live.
Mr. Romano shined some light on the process that caused him stress, but it´s still not clear to me that there was any wrongdoing in the "tuning." Leaving out excessively high and low payouts is probably wise if accuracy is desired in creating a computer program. There may be extraneous factors that created the outliers and including them might lead to false conclusions."
A complex issue. If you read the article, I don´t think you can come away from it believing that insurance companies are necessarily the evil, greedy corporations the Left loves to caricature.
Rather, insurers are an institution that is struggling to stay afloat. One reason they´re struggling is the ever-burgeoning load of government regulation. This article doesn´t really go there.
But this piece does make clear that a major reason insurers are struggling is the plethora of ambulance-chasing lawyers ... who advertise ceaselessly on television, luring dubious "clients" to join in frivolous "class-action" lawsuits.
My conclusion: If anyone is "evil" here, it´s the trial lawyers. (Who, as we all know, are 1%-ers who contribute hugely to Dems.)
When hurricane Ike blew through our neighborhood, some got new roofs, some got large scale repairs, and some got localized repairs. The difference often was which adjuster got sent out to look at the roof. Our adjuster never climbed onto the roof and missed 3 holes at shoulders in the roof. A later roof inspection found the holes which were fixed at our expense because the cost of localize repair was below the $1200 deductible. Insurance companies weed out the inspectors that replace the entire roof or fail to find real damage.
Government would hire these inspectors and demand a cut.
Used to be said that downtown everywhere was owned by the big insurance companies. It´s not just your premiums but their investments they count on. Think about their loses in this economy and your increased premiums.
With auto and homeowner´s it seems to be Use it and lose it. Isn´t that like extortion ?
All of these companies cry the blues about paying claims. No mention of actuaries who are suppose to determine premiums by the ´what if´ every policyholder had a claim on the same day ? They are suppose to have the money to pay you. Guess AIG didn´t have actuaries.
Everyone has the right to complain to their state insurance commissioner and hope they follow the law and your policy that is a signed legal contract.
The Obama administration has been accused of behaving ´like a bunch of cowards´ after 19 embassies were closed in the wake of the Al Qaeda terror alert. Louis Gohmert, a Republican congressman from Texas, recalled the September 11, 2012 terror attack on the U.S. Consulate in Benghazi, Libya. Clinton famously suggested in a Senate hearing that it was largely irrelevant whether the attack was the result of a terrorist plot or--as the administration initially claimed--an outgrowth of a spontaneous anti-U.S. protest. [Snip] ´The difference it makes,´ he said, ´is that If you will bother to find out exactly what
Anthony Weiner´s past has caught up with him as an angry former constituent went on a tirade during a campaign stop on Monday. [Snip] ´You are disgusting! You are an embarrassment of a third-generation native,´ Jane Borock screamed while getting in Weiner´s face. According to The New York Observer´s Politicker blog, the disgraced former congressman tried to calm her down by saying that he appreciated her passion, but that didn´t work. ´I’m passionate? More passionate than you on Twitter. I’m a social media expert. Get someone to handle your s*it! You are disgusting. Disgusting,´ she said.
SPARTANBURG, S.C. - State Sen. Lee Bright has brought his campaign website online as he considers a Republican primary challenge against U.S. Sen. Lindsey Graham next year. The website asks people to sign up for Bright’s newsletter, promising to send them a video announcement the moment he decides to run against Graham. It includes the slogan: “Bright. For Liberty. For Senate.” The Roebuck lawmaker says he is waiting to see how the field shapes up before making his formal announcement. Bright was elected to the Senate in 2008. Two other candidates are already in the race.
Whatever plot the US eavesdroppers overheard the top two al-Qaeda leaders discussing clearly rattled the US intelligence community so badly that Washington shut 19 of its diplomatic missions around the Middle East, Asia and Africa. In the Yemeni capital, Sanaa, where the threat of attack is considered greatest, the UK, France and Germany have also shut their embassies. The British embassy has emptied completely, with all remaining British staff leaving the country on Tuesday, while the US air force flew out American personnel. So just what is it about al-Qaeda´s branch in Yemen that triggers such warning bells in Washington?
An interesting spot by Political Scrapbook that says a lot about the politics of the English Defence League. This morning Tommy Robinson (or Stephen Yaxley-Lennon or Andrew McCaster or Flimbo the Amazing Clown or whatever his name really is) tweeted a link complaining about mass immigration under Labour--and it turns out that the link was to an anti-Semitic website. It´s called The Traitor Within (never a good sign) and after detailing New Labour´s nefarious plan to flood the country with good plumbers, it concludes with a paragraph claiming that the ministers involved in its immigration policy "are all Jewish".
Four Al-Qaeda militants have reportedly been killed in a US drone attack in Yemen. It comes as America has warned all ´non-essential´ US citizens to evacuate Yemen immediately amid fears of a terrorist attack. The UK Foreign office has also withdrawn embassy staff from the country and is advising against all travel there. The U.S. has pummeled terror leaders in Yemen with targeted drone strikes. Yemeni security officials have today said a suspected U.S. drone killed the four alleged Al Qaeda members in a volatile eastern province of the country. The drone fired a missile at a car carrying
Somewhere down there, Richard Nixon must be rubbing his hands with glee. The Graham family have been forced to sell The Washington Post--the liberal newspaper that helped bring down Tricky Dick with its coverage of the Watergate burglary. Nixon hated the Post for the not unreasonable reason that it hated him. It wasn´t just the pursuit of Watergate that irritated, but the climate that the daily helped create of liberal disdain for his presidency--its insistence that anyone with a fully functioning heart and brain voted Democrat. That attitude wouldn´t have mattered if print didn´t enjoy such a monopoly over the
US intelligence picked up on messages in which Ayman al-Zawahiri, Osama bin Laden´s successor, ordered Nasser al-Wuhayshi, the head of its Yemen branch, to carry out an attack. The messages represent rare coordination between al-Qaeda´s core leadership, which is in hiding in Pakistan, and al-Qaeda in the Arabian Peninsula (AQAP), the terror group´s most dangerous offshoot. In response the US has ordered the unprecedented closure of embassies in 19 countries across the Middle East and Africa until at least Saturday. Britain, Germany, France and Holland have also closed their embassies in Sana´a, the Yemeni capital, until later in the week.
President Obama has replaced Republican Mitt Romney as the most popular target for comedians, a study has revealed. [Snip] Obama was the target of 288 gags made by Jay Leno, David Letterman, Jimmy Fallon, Craig Ferguson and Jimmy Kimmel, according to an analysis by the Center for Media and Public Affairs at George Mason University. The second most joked-about individual was New York City Democratic mayoral candidate Anthony Weiner, at 120. But as the study was conducted before Weiner´s second sexting scandal had come to light, the number of jokes aimed at him is expected to have jumped dramatically
Anthony Weiner´s sexting partner has stripped down for the public as she filmed a video for a major porn distributor. Sydney Leathers poses provocatively in a five-minute clip of the video, and talks about her virtual relationship with the disgraced congressman. ´He would always compliment me on my breasts and my butt and my feet, and he would always tell me I was the perfect height to wear heels,´ the 23-year-old said. In the video, created by porn production company Vivid, Leathers is seen disrobing from various lingerie sets and displaying the assets that many feel cost Weiner his
A Texas man dramatically turned the tables on two bank robbery suspects who had abducted him and his wife on Thursday, by pulling a gun on the duo and shooting them both, killing one. According to KHOU, the unnamed couple were targeted by brothers Jordan, 20, and Preston Kutach, 21, who knew that the woman worked at the First National Bank of Eagle Lake in Columbus, near Houston. The suspects kidnapped the couple at gunpoint in their own home, then made them drive to the bank where they forced the woman to withdraw cash. But then her husband struck back
Iran´s new president Hasan Rouhani has accused the United States of seeking an excuse to confront the country over its nuclear programme. The new leader reportedly made the claim during a meeting with North Korean official Kim Yong Nam, who is in the Iranian capital Tehran to see Mr Rouhani´s inauguration. According to Iranian state TV, the president said: ´We believe the United States and the Westerners are seeking an excuse to confront the countries that they do not consider friends.´ The West suspects Iran is pursuing a nuclear weapons programme, a charge which Iran denies.
In 2008 and then again in 2012, after retired four-star General Colin Powell endorsed and then voted for Barack Obama, the former Secretary of State´s sanity was already in question. At least now, after having his email account hacked by high-level security-breacher Guccifer, Colin Powell´s besmirching of the Republican Party´s "shift to the right" and "identity crisis" finally makes sense. It seems that for years the mannerly and always professional Colin Powell has been cyber-comporting with a 46-year-old Romanian European Parliament member, Social Democrat, and past spokesperson for Romanian president Ion Iliescu named Corina Cretu
Conservatives have for years attempted to put our finger upon precisely why Barack Obama strikes us as queer in precisely the way he does. There is an alienness about him, which in the fever swamps is expressed in all that ridiculous Kenyan-Muslim hokum, but his citizen-of-the-world shtick is strictly sophomore year — the great globalist does not even speak a foreign language. Obama has been called many things — radical, socialist — labels that may have him dead to rights at the phylum level but not down at his genus or species. His social circle includes
For nearly a year, we have had no answer to why the administration lied about Benghazi — why it told the world, not to mention the parents of our murdered SEALs at the funeral of their sons, that the cause of that fatal conflagration was an anti-Islamic video no one saw, when the various arms of our executive branch (White House, State and intelligence) already knew, or strongly suspected, it was a terror attack orchestrated by al-Qaeda affiliates. You only have to read the now infamous talking points to know that. That this lie was deeply immoral is obvious.
He thought he was a woman trapped in a man’s body — but it turns out he’s “just another boring straight guy.” ABC News editor Don Ennis strolled into the newsroom in May wearing a little black dress and an auburn wig and announced he was transgender and splitting from his wife. He wanted to be called Dawn. But now he says he suffered from a two-day bout of amnesia that has made him realize he wants to live his life again as Don. “I accused my wife of playing some kind of cruel joke, dressing
WASHINGTON — Former Massachusetts lawmaker Barney Frank revealed that he doesn’t believe in God. During Friday’s appearance on HBO’s “Real Time With Bill Maher,” Frank, who championed the decriminalization of pot while serving in the House of Representatives, admitted to smoking marijuana and being an atheist. “You were in a fairly safe district. You were not one of those congress people who would have to worry about every little thing,” Maher said to Frank. “You could come on this show and sit next to a pot-smoking atheist and it wouldn’t bother you.”
The truth about Benghazi, the Associated Press/James Rosen monitoring, the IRS corruption, the NSA octopus, and Fast and Furious is still not exactly known. Almost a year after the attacks on our Benghazi facilities, we are only now learning details of CIA gun-running, military stand-down orders, aliases of those involved who are still hard to locate, massaged talking points, and the weird jailing of Nakoula Basseley Nakoula. We still do not quite know why Eric Holder’s Justice Department went after the Associated Press or Fox News’s James Rosen — given that members of the administration were themselves illegally leaking
Washington--As hundreds of commuters emerged from Amtrak and commuter trains at Union Station on a recent morning, an armed squad of men and women dressed in bulletproof vests made their way through the crowds. The squad was not with the Washington police department or Amtrak’s police force, but was one of the Transportation Security Administration’s Visible Intermodal Prevention and Response squads — VIPR teams for short — assigned to perform random security sweeps to prevent terrorist attacks at transportation hubs across the United States.(Snip)With little fanfare, the agency best known for airport screenings has vastly expanded its reach
A poll released Friday by Public Policy Polling found that Alaska voters would pick former Secretary of State Hillary Clinton over the state´s former Republican governor, Sarah Palin, if the two women were to face off in the 2016 presidential election. Clinton led with 49 percent in the hypothetical match-up, with Palin at 40 percent, a nine-point gap. As of July 3, Republicans comprised 27 percent of the state´s registered voters and Democrats made up just 14 percent. The last time Alaskans opted for the Democrats´ presidential candidate was in 1964. Clinton trails five other hypothetical GOP candidates –
In an interview for The Guardian Weekend magazine, actor Matt Damon recently weighed in with his thoughts on how President Barack Obama has handled the scandals that have engulfed his administration since the spring. Damon, a vocal supporter of the president since his 2008 campaign for national office, said that Obama is overcompensating for his lack of military background with his tough response to controversies like how the government is responding to National Security Agency leaker Edward Snowden. The actor said that Obama is allowing himself to “get bullied” and is acting as though is “manhood”
Republican National Committee Chairman Reince Priebus threatened to pull the group’s partnership with NBC and CNN for 2016 GOP presidential primary debates if the networks moved ahead with plans to air films on Hillary Clinton. “If they have not agreed to pull this programming prior to the start of the RNC’s Summer Meeting on August 14, I will seek a binding vote stating that the RNC will neither partner with these networks in 2016 primary debates nor sanction primary debates they sponsor,” Preibus said in a statement. In individual letters to CNN President Jeff Zucker and NBC Chairman Robert Greenblatt,
The Pentagon has placed its elite cadre of special operations teams on full alert to launch preemptive attacks against suspected al Qaeda targets across the globe, according to reports. The American special forces teams have spent the past week waiting for U.S. military and intelligence officials to confirm the whereabouts of the terror cell plotting to attack U.S. diplomatic outposts in the Mideast and North Africa. Unnamed sources told CNN on Monday that the teams were poised to carry out the preemptive strikes, but declined to comment on where the U.S. forces were located or which potential
Oprah Winfrey on Monday said the killings of Trayvon Martin and Emmett Till are the "same thing." This transpired during an interview with The Grio that aired on NBC´s Today show. OPRAH WINFREY: It´s so easy during this time: Trayvon Martin, Trayvon Martin parallel to Emmett Till, let me just tell you. In my mind, same thing. But you can, you can get stuck in that and not allow yourself to move forward and to see how far we´ve come. Really? Martin and Till are the same thing?