Allstate Insurance

On 11/13/18 I got an e-mail that our house had a piece of vinyl siding that needed to be put back on. (1-piece about 12" long. So I contacted my siding guy and he put me on his list. Then on 12-7-18, I received a cancellation notice of my policy. The notice said that we hadn't put the siding pieces on. But it wasn't "pieces", it was just one piece. I went to my local agent, Kevin Smith and told him what had happened. I asked him to help me. I had 2 houses and 3 vehicles with Allstate and I had been a loyal customer for almost 30 years. He said he would let me know. So seven days later he still hadn't gave me the curtesy of calling me. He just left me hanging. So I had to go get insurance elsewhere. Seems like Allstate would want my business, but I guess not.

Allstate Customer
[protected]

To Whom It May Concern:

Chief Complaint

The below outline will show great patience and understanding of X as an Allstate customer. The documentation will also show neglect, failure to clearly follow internal processes, and lastly truly a demoralizing experience from beginning to end.

Requested Outcome

The case be reviewed following Allstates internal best practices. The employee be made complete by Allstate doing the right thing and adhering to their mission statement and values.

Customer's current policies with Allstate:

(1)Policy Number (Rental Property Number 1) [protected] - 7/30/2015 - Current YTD - No Late Payments
(2)Policy Number (Rental Property Number 2) [protected] - 7/3015 -Current YTD - No Late Payments

(3)Policy Number No Late Payments Tx 75104 [protected]

Policy Number Auto - [protected] 7/24/2015 - Current - YTD - No Late payments

Summary Of Events
Vehicle Stolen from customer
Customer followed processes requested by Allstate
Customer was requested to provide statement under Oath
Customer's perception is neglect was clearly evident in the review / handling of case
Customer's claim was denied

As a valued (or so that was my impression ) customer of Allstate I truly expected my customer experience to follow Allstate's mission statement "To be the best..serving our customers by providing peace of mind and enrich their quality of life through partnership in the management of the risks they face"

Anyone with a vehicle stolen realizes its a traumatic event. Allstate, in the handling of my case caused great stress and anxiety in the handling of my case.

In the process I provided the following information to Allstate (see attached emails).
Receipt of glasses that were stolen along with vehicle
Also, showing the purchase of glasses required by me as the claim was delayed in processing and I needed glasses to see.
Receipt of Maintenance making a key and my purchase of a key access
I provided phone records showing my reach out to police

As I have a serious health condition in which I am required to obtain labs every 3 months and remain on maintenance medication. It is vital that I work for my financial needs and attend church for my spiritual needs and last and equally important attend my doctor's appointments to prevent my immune system becoming weak. With this being said I purchased a vehicle as my claim was further delayed. No compassion or empathy was expressed by Allstate The requested that I go to their office for statement under Oath. I advised them my work season was extremely hectic. They insisted that I attend face to face no virtual option was provided nor alternatives provided. To make matters worse Allstate postponed one appointment stating they Attorney had a conflict. I immediately asked how as mine was scheduled I was firmly told she had trial.

Once I was able to get off work to go downtown to provide my statement it was yet another demoralizing experience. The attorney was short and often sarcastic throughout the oath proceeding. She even presented exhibits for me to validate were demoralizing and truly gross in nature. I tend not to explain the pictures - however i did request a copy of the under oath statement review and pending the copy in which I cited areas and provided feedback for corrections (request initially provided 8/18 as a month later I am still pending this information)

As I reached out to Allstate in tears based on my experience the supervisor that I spoke to was rude and forceful she treated and talked to me as if I was trash. I was not treated with respect not to mention someone that has multiple policies in excellent standing. I was so overwhelmed with the experience I broke down on the phone. No compassion or empathy was provided by the representative. I encourage Allstate to random listen to their customer calls and employee interaction. They will be surprised how on a daily basis they go against their core values.

Lastly, as my claim was denied I asked on what basis. The representative stated and I quote " send additional information for us to review" . I said " how would I know what to send if it's not clearly outlined of the reason for the denial discrepancies. The adjuster said " You want me to explain in writing exactly why it was denied. I stated "yes" (initially requested 8/18 to date this information has not been provided)

I received two denial letters - First denial letter included reason for denial included my failure to provide under oath sign off. The same week I received an additional denial letter with the under oath piece omitted. No documentation advising this was a revised document etc. (This can't be standard process)

My car was found and located Allstate is clearly aware of this. Allstate had an estimate done and shared with me. I reached out and stated how do I go about ensuring how long my vehicle will be there? Do I obtain something formal in writing? How do I get my Keys? No formal communication was provided (to date this information still has not been provided to me.

Please note the additional follow up information.
818- Email sent to adjuster requesting a copy of my file with additional information.
8/21 - Email sent to Adjuster as a follow up email.
8/28 - Email sent to adjuster following up
9/6 - Email sent to adjust requesting confirmation of receipt of emails
9/6 - Adjuster confirmed receipt of emails -
No response provided by from adjuster to date.

Early part of September - Spoke with adjuster and requested to advise when the revised documentation from Attorney's office would be corrected for my records (information captured during under oath). I was advised by Adjuster and I quote " The address we had was incorrect" I said yes the loss did not occur at the location you stated nor did I provide that location to you) . I was advised "oh" I will need to speak to the attorney. My concern is how does one finalize a case and have the incorrect information on file? How does one truly investigate a case if the address on file is not accurate. I request the reviewer of this email to request the pictures of the site captured as assumed location of loss - The pictures will share "homosxual undertones" which leads to assuption of biasis in the review and handling of my case.

Allstate, failed to provide my family a payout for the groceries stolen out of my vehicle including my eyeglasses. The stress this has caused impacted my medical condition and my ability to perform efficiently on my job. Also, Allstate charged me full premium on my vehicle while it was kept at Copart. To make matters worse I called Copart today Friday 11/22 and they told me my vehicle is being put for sale due to failure to pick up the vehicle. How could anyone recommend a carrier that treats its customers like second class citizens. Completely horrible and a disgrace to the insurance industry.

As I conclude this letter I ask that my case be reviewed and Allstate live up to their mission statement and treat customers as they would like their loved ones to be treated.

Sincerely,

Sent: Tue, Sep 4, 2018 9:23 pm
Subject: Fwd: Allstate Claim:[protected] - Time Sensitive

Hi Jacob

I wanted to send a friendly follow up email.

I am truly feeling as Allstate has pushed my concerns on the side. I have requested this information going on 3 weeks and no formal communication addressing my inquiries.

Please allow me to remind you I have two rental properties with Allstate, Auto coverage (2 vehicles with Allstate) the rental of my APT with Allstate.

Please note the additional follow up questions.
-----Original Message-----
Sent: Sat, Aug 18, 2018 9:11 pm
Subject: Re: Allstate Claim:[protected] - Time Sensitive

Hi Jacob

Hope all is well.

Can you please assist me with the following questions.

Copy of file - I would like to formally request a copy of my file including all communication correspondence. Also I would like to request a copy of all calls including myself and Allstate.

Under Oath Statement - A Couple items I requested to be updated / clarified . Can you please let me know if the revisions were made and when the revised copy / file will be sent to me. It was unclear to me as how the demoralizing inserts were captured as point of reference during the oath? Please clarify.

Appeal Process - I do not recall reviewing information regarding appeals process on the denial notice. Can you please let me know the process? Per our most recent call you advised for me to send information in. I advised I would need clarification on the specific reasoning for denial for me to appeal Question per legal do you not have to clearly outline in writing the reason for the denial and the process to appeal? Also, I received two denial letters one appeared to be a revision; however nothing was notated on the denial letters it was two separate denial letters without any verbiage to explain the reasoning.

Vehicle - Can you please confirm the person I would reach out to in order to obtain my vehicle ? Also when will fees be included due to vehicle being left on x property. I reached out and they were unable to provide detail information. Should I not receive something in writing from Allstate? In lieu of just verbal information?

Thanks Again

After buying a car I purchased ins full coverage policy w/ Allstate, days after I get a call to provide additional info on my driving record so I did, DMV had responded to that question as well explaining an error with their system was preventing access to my records.Anyhow this problem was preventing my license to be renewed so that + I had 2 middle names and DMV s computer system picked 1 of the two but not the one I had been using fraud was brought up the instant I filed a theft claim when car was stolen from my parking space where I lived.My policy was terminated for not complying with insurance obligations. I had gone to 3 DMV offices to gather info and could not get answers other than call this no and schedule an appointment to fix problem.Having reliable transportation was crucial to a job position I got and the minute I lost the car and got negative reports by Allstate my promotion at work gone as well embarrassing situation which I hold Allstate responsable i need your help to recover it, thank you

I paid Allstate for car insurance ($817.72) for an entire year by check, hand delivered on July 3, 2018. Stacey (at Allstate) used my bank account number to access my account, without my permission or knowledge, to take $600. I complained to BMO Harris (my bank) who advised they would not do anything.

I consider this action by Allstate to be bank fraud. I have since closed my account at BMO Harris.

Allstate subsequently returned the money to my account, after numerous complaints. I got my car insurance elsewhere, but Allstate advised that I still owed them $600, and have sent it to collections.

I don't think I have ever had car insurance with Allstate, do not have car insurance with them now, and will never have insurance with them in the future.

My name is Jeffrey Fisher of 115 Byers Ave Portsmouth VA 23701.I am complaining about a recent accident on 08/11/2018 that I was involved in. I have been with Allstate for over 30 years without any issues whatsoever. The accident was not my fault and the person that hit me was ticketed for failure to illuminate his headlights.My policy has went up 100% because of this

1998 chevy van 1500 and Allstate Insurance Claim.#[protected]
Description of complaint: I was side swiped by an Allstate client which was "cut and dry accident " when they backed out of their drive. I had one estimate on this lower rear panel that is 19x9 inches located just aft of the wheel well, $1465.59 estimate.
Claim was filed and when the allstate estimate arrived it was for $1120.85, however it was broken down into two sections:
Related prior damage adj. $562.23
Total adjustments. $562.23
Net cost of repairs $558.62

The hole only showed up after the impact, so the adjuster indicated it what visible prior to the impact, It was not. The hole opened was a 2x3 inch area right behind the right rear wheel and did not even disturb the wheel well where the mud flap attaches. ( Pictures available ).After talking to some body shops they indicate that the two areas where being treated as two separate repairs--they are all on the same panel, and not of equal damage. The expert body people wondered why the smaller hole was 50% of the estimate. They said to " plug the small hole and weld a new plug in place and then continue with the repair." is more logical. This certainly was not a $562.23 repair with plug and labor about $250.00.

The next problem is Allstate wants the auto started, tear the panel down and then request more funds ( "Any additional damages must be inspected by an Allstate technician while the vehicle is at the shop and torn down, prior to the repairs being completed" ) I work and travel and can not afford to be without an auto while we (body shop and me ) bicker with Allstate. I agreed to correct the hole ( at my expense ) and settle for $870.85 and get the work done at and on my schedule.
I have requested a copy of the adjustment person report ( to the allstate adjuster/ prior and present damage) in order to clear this problem up, ie duplicate charges on labor/painting and other charges to no avail.

I am 81 and my wife 87, is suffering from alzheimer's and was in the auto when struck, on her side of the car. Since then she has worried and apprehensive when in the car. I find it absurd that I have to argue with a large insurance company to get a fair settlement that their client caused. Me putting the car in the shop or renting a car etc is out of the question. In fact I am not even asking for the preexisting condition repair that surfaced due to your clients poor driving but only realistic estimates and settlement of $870.85.

Hello, i called in to check on a supplement payment. An while i never had any trouble before. Everyone is always real helpful i spoke with a rep by the name of Cindy Maldonado in the claim department. Who made it harder for me. Making smart remarks back when I would ask a question just made the call unpleasant from the beginning. Also when going to end the call when I said thanks she just responded mmhhmmm... That's not professional. If that how my call was i can just imagine how customers and other shop that work with yall feel when they get her.

On August 9 my car was involved in a 3 car collision caused by an insured Allstate driver. For two weeks I was without a vehicle while Allstate conducted their investigation. Finally, they accepted full liability and approved of a rental car while my vehicle was being prepared.

Throughout the repair process Allstate continued to try to save money on repairing the damages on vehicle. Allstate continued to overlook a particular item (exhaust replacement) when approving of any supplemental work to be done. The body shop continued to try to get this repair work approved but Allstate did not until the 3rd time submitted by the dealership.

Finally approved on September 18 to replace the muffler. The body shop ordered the part to find out that the part was on back-order from the manufacturer. The part is set to arrive the week of the 8th of October.

My rental car is due to be returned on the 4th of October. Allstate will not extend my rental causing my family and I to be without transportation. This time loss of vehicle from the two weeks in the beginning of August before the rental and this time frame after Oct. 4th has been very draining and negatively impacted my family, my employment and myself.

Allstate has not acted in good faith with my claim and loss of vehicle.

We were informed that Allstate has denied coverage to damages done by a water leak from our dishwasher. On labor day we noticed this problem and notified our agent immediately. I cannot use my kitchen area, we have young kids not able to prepare meals is a big inconvenience. In addition my subfloor may be compromised. Allstate has offered no assistance to remediate and fix this issue and we are told that this is due to owner negligemce. We had no indication of a problem. We are having to replace floor and cabinets and desperately need Allstate to honor there commitment its customers. Waiting to here back from someone with integrity.
Thanks,
Lennon and Andrea Maye.

Allstate Claim:[protected]
An Allstate Policy holder totaled my car end of May. Due to texting and driving. My son was in the car with me, and the young lady just rammed into my back of my car.
The care was totaled. I did everything I had to do. Contact Gap, Contact the Dealer, Contact the Car Insurance.
The communication efforts of James Shaw, the assigned Adjuster was scarce. It took days to return phone calls, and most of my Emails got ignored.
We are in September now, I was under the impression that everything was taken care off. My bank sends me a letter that $160 are still outstanding. I called the GAP insurance, they say ALL state didn't pay the remaining balance.

I call Jim, the Adjuster, he's saying it didn't get paid because of a small discoloration on the passenger seat. That makes no sense to me, because the car was totaled - and a small discoloration can't be worth $160. I'm like ok - and he says for me to go back to the GAP insurance and see if they pay it. So I call Gap again they say NO,
its Allstates bill who needs to pay it.

I call the Adjuster Jim again and I'm loosing it. You have to understand 2 weeks before the car accident which was caused by reckless driving of an Allstate policy holder I had a massive heart attack! I am a single 35 year old mother of two. Now I have to deal with this incompetence - Email back and forth - phone calls here and there for Allstate to tell me 4 months later they didn't pay something because of a small stain! Seriously! I got PTSD from the accident seeing my son being involved. Seeing this lady just ramming into my car.

This is too much. Jim Shaw said 2 weeks ago he would escalate this to his boss. Haven't heard anything from him yet! After balling my eyes out and pouring my heart out. Nothing! He dindn't answer to my last Email either where I send him a copy of the bank paper that the money is still outstanding.

I did not cause the accident. I should not have to pay for this.

Thank you,

Jasmin

I have been lied to, sent from person=to=person, received 2 checks made out to policy holder AND lien holders, promised but didn't receive returned calls, had 1 check reissued requiring policy holders signature AND repair shops, had 2 check reissued for less that promised amount and reissued to repair shop only. Please call [protected] as I am about to start looking for another insurance company.

This is concerning claim #[protected], which was completed through on of your members. I took it to Autoshow collision and repair on Reed Street in Philadelphia, PA. Initially they were very helpful, took my car in right away and then fixed it. However the day I received the car there were issues with the steering wheel and I had to take it back. My car then started shaking driving on the highway, I again took it back and they said they only rebalanced one rear tire and would balance the other. Up until this point I was frustrated but they didn't charge me extra so I didn't mind as much. I then started having issues with my car shaking again and hearing a rattling noise when driving on the highway, took it to AAA for my inspection to find that when Classic collision (the affiliated mechanic shop that was doing all these repairs) replaced my tire rim, they did not replace the band that held the tire pressure sensor and instead DUCT TAPED it on, which was causing all my issues. Not only that, they said that NONE of my tires looked like they've been balanced, and there wasn't even a weight on my new tire rim that was to be balanced in the first place. This was after I spent over $400 in trial-and -error repairs while AAA was trying to figure out what was wrong (this isn't an issue they usually come across). Overall I'm very upset with the mechanic work that was done after a car accident that was at fault of your client.

I drive a 2003 Camry and am actually paying almost double than what I was when I bought the car over 10 years ago. Any accident I have been involved in Allstate catered to the other person and has paid claims that were less than $1000 then put an at fault accident on my record, raised my rates over $70 per month for 3 years! I literally tappeded into the back of someone and did absolutely NO damage to either vehicle, I have pictures to prove it, I sent them Allstate. This lady claimed her trunk didn't close the same as it did before and Allstate stuck me with another at fault accident. I have no idea what was wrong with her trunk but it damn sure wasn't due to me tapping into the back of her. My daughter was hit by someone and that someone actually got a ticket for the accident, Allstate couldn't even win on that one either ! I am completely disgusted with Allstate and their incompetence to actually work for their insured. The policy holder IS NOT in "good hands" with Allstate but whomever is filling a claim against your policy is ! I refuse to pay them another dime and will be filing a complaint with the state of Texas. I strongly encourage any policy holder to find another insurance company because Allstate wants nothing more than to pay for things they don't have too and raise your rates! And I WAS paying double for my monthly premium without any tickets OR accidents! Such a ripoff and complete scam !

2010-2016 a premium was collected for my sons car which was bundled with mine. The policy was opened by an Allstate agent in Dallas owned by Sean Howey
I phoned to cancel my sons car when he sold it and they informed me it wasn't insured
Because it was registered in CA (the car was bought and registered in CA when I opened the policy; Allstate was aware and charged me premium over six years)
I would like a refund

willis avenue collision inc.
933 willis avenue
albertson, ny 11507
tel. 516-746-4466
fax 516-747-4863
e-mail [protected]@yahoo.com

3/22/2018
allstate corporate office
mr. thomas wilson
2775 sanders rd
northbrook, il 60062
re: directive reppresantative acknolegement
claim # [protected]
claimant: porcaro carollyn
mr. wilson,
may this serve as a formal complaint concerning the unfair, good faith, inlegal and impediment practices being used by the local allstate claims office claims processing management team in the handling of the claim process.
not only the practices used are in violation of the new york state department of insurance laws as well as of the local civil laws for witch allstate insurance may be very well be found in violation and fined accordingly.
note: we provided the claim's representative with the signed designated representative authorization that assigns us to act on behalf on the vehicle's owner, provided the loss taker with all the loss and claim information as secured from the claimant, also requested us to be the primary contact about the claim in general along with the request to provide the liability commitment and call us to set the field inspection at our shop accordingly.
today we followed up on the status of the liability and inspection, you team members lina & heitley aldertiaria insisted that the claimant must call to give recorded statement.
we pointed out that the full statement was in fact already provided accordingly by us the "d.r." ms. heitley continued to insist demanding the call from the claimant, also checked with supervisor and claims that without the claimant's call will not proceed with the claim i asked for the supervisor's name she refused to provide it to me ending the call.
this appears to be a common practice used by the claims department intended for the sole purpose to steer our customers to a drive-in facility, drp shop and or secure photos to process a photo estimation of which we have lots of prove for being non-complying, not cost effective, misleading and much more.
we urge that your office investigate and or follow up as necessary with the intent to resolve the herein matter a.s.a.p. including replying to my complaint accordingly.
feel free to contact me should you need additional information or have questions.
thank you in advance for your cooperation.

dominick lopresti
willis ave collision
933 willis avenue
albertson, ny 11507
516-746-4466 ph
[protected] fax
[protected]@willisavecollision.com

To Whom it may concern:
I am writing this complaint against Allstate Agent Herb Brinskelle 0B1625, 1030 N. Rogers Ln., Raleigh, NC 27610. On August 6, 2018, I went in the office to make two payments. The first an Allstate Account [protected] and the other a third party account with The Hartford [protected]. The problem occurred when paying on The Hartford account. The agent Diane had accepted the payment until I asked for a receipt. She asked the office manager about it and he stated that I could MAIL IT myself. I replied that I have paid on this policy before through an Allstate agents. The office manager sent me to agent Herb Brinskelle. He stated that he would back the office manager and I should go back to all the other ALLSTATE Agents that helped me in the passed. This agent is not my agent, however he is the closest for me to use.
I am a 40 year client with Allstate. I felt that this office did not want to help me with this situation because I did not purchase it through them (they were not my main agent). I am writing this complaint after consults with several other insurance brokers on this matter. They do agree that I could have mailed it myself, but this office should have offered more assistance. And you should never advise a client to go somewhere else. I will NEVER EVER go to this office again.
Please advise myself and this office of the best way to handle in the future!

Stephen Johnson

Good morning. My name is Brandy Guidry and my claim # is [protected]. I have been a customer of Allstate for quite sometime and loved the company. I pay my account as I am suppose to and had no idea when In my time of need and despair I would be treated so unfairly by Allstate. I have 4 children one whom has a Traumatic Brain Injury and home has been turned upside down. This matter saddens me that I am at a point where I have to take my concerns this far. I reported a Property Claim (Renters) on August 1, 2018. I have gone back and forth with a person name Mr. Paul Pleasant with claims investigations about completing my claim. He originally asked me to verify my whereabouts, he stated that he called the Avenue Hotel and information was given to him by a worker who no longer works at the hotel, I don't know what exactly was said to him because I was not aware of the phone call because I was not on that phone call he placed to the hotel was placed without my knowledge. Upon making several attempts to contact him and his Supervisor Mr. Donald Williams for 2 days we received a call back from the supervisor Tuesday August 21 and it was explained to him that Mr. Pleasant wanted me to verify my whereabouts and I asked his supervisor Mr. Donald would calling on a conference call to the Hotel be sufficient to prove my whereabouts, Donald stated yes that would be suffice. Upon talking to Mr.Pleasant on August 22 stating that there was a call to Mr. Donald and he stated that calling on a conference call to the Hotel would be sufficient to prove my whereabouts Mr. Pleasant also agreed that that would be sufficient . The call was placed on August 24 on a recorded conference call with him on the line and on the recorded phone call the Supervisor of the Hotel in Los Angeles verified my whereabouts at the time which then verified my whereabouts. I am baffled at the fact that I have been calling him and his Supervisor since Wednesday evening August 29 and have not gotten a call back until yesterday September 4. As of today September 5, 2018 my claim has not yet been approved when his Supervisor Donald Williams as well as himself Mr. Pleasant stated that the conference call would be suffice the hotel verified my stay which they did. After my whereabouts were verified he moved on now to something else. He asked about the flight and I am baffled to the fact of him asking how I got to the Hotel in LA which has no bearings on my claim on how I got there as long as my whereabouts were verified which the Hotel has already verified to him my whereabouts. I am asking that my claim be approved based on the information provided by the hotel supervisor verifying my whereabouts. I am not getting any returned phone calls from either of them until at least 2-3 days later or until I call my agent to see what's going on are the supervisor My agent Brent Rotto whom I informed about this situation and said that I would be cancelling my insurance because I have never in all my life been treated this way and due to me feeling targeted against and treated very harsh and the unprofessionalism that I am experiencing with Allstate, Brent stated that he would try and call Mr. Pleasant and his supervisor Donald to try and rectify the matter before I cancel and he also experienced the no return phone calls for 2 days. He said he understood my frustration and didn't understand why I was going thru all this trouble to get a claim approved. I am stating again that my claim be approved based on the information provided by the hotel supervisor verifying my whereabouts.

My son had an accident at the end of May. It was found not to be his fault. Body work was completed and then a front end alignment was being done to to being hit in tire. Upon looking at front end mechanic found damage to the mechanics of front driver's side. Throughout this process I was told that if any damge was found after claim to submit an auto supplement claim in which I did on July 26. I have since had to pay out of pocket the amount sent in due to the non safe drivability of the car. I have been a member of allstate for a long time and customer service has been terrible. I have called and called ( Ciara Wilson)(David Hill) and keep getting the run around. What good is having insurance if it doesn't work when you need it. Good hands my tail.

I have had Allstate auto/home for 11 yrs. I live in a town home in Louisville, Colorado. Louisville experienced a wind & hail storm a few months ago; breaking a bedroom window and roofs needing replaced. I was told to contact my insurance: Allstate and file a claim against my H06 policy to help cover the cost of $4, 565 assessed to each town home unit per the Lot Assessment letter. I was told this coverage is standard in Colorado. The Allstate office in Louisville just informed me they did not put this 'coverage' in my policy. They should have; I live in a town home. They said the coverage is extra fees a month. I was just contacted by Allstate to go over my policies; which I haven't had anyone do that in well over 6 yrs. I am beyond myself and I am NOT in Good Hands with Allstate. Allstate said they can not help me. I have been a customer for 11 yrs; paying my dues. I now am responsible for $4, 565 Lot Assessment cost. Help.

We have been dealing with AllState since last November, 2017. patient name is Lankford policy # 55-AV882534. After making inquiries for the first claim, it was immediately denied. We submitted an appeal on 12/7/17 and had to continue call for any kind of update. We were told over and over again that their internal policies state that they have 60 days to make and report their decision on the claim. Of course, on day 60 I had to force a response. They suddenly needed documentation from the hopsital, which they never requested until I pushed them. I called the hospital myself and had them to provide all of the documentation they requested. Again, I had to forced the issue until we the first appeal was denied. Their main reason for the 1st appeal denial was because the emergnecy room doc reported that he "chopped on his toe on a daily basis and poured honey on it." Obviously a language issue with the doctor. We had told them he "cut his toe and used Medihoney ( a wound care ointment prescribed from his podiatrist) . Also claiming that cutting his tow while walking on the deck wasn't an accident. We submitted our 2nd appeal on 5/15/18 debunking all of their silly reasons for denial. We waited the required 60 days and it took 2 weeks more, reporting them to BBB and our states Insurance Commission to get a response. So... nearly 3 months after out 5/15/18 submission they suddenly need more documentation. No telling where they are with this now even though we've signed all the papers weeks ago AND I had already submitted everything that they are asking for. They never even looked at the appeal until I started pushing them and reporting them to other agencies. Additionally, if you are diabetic, they are useless and you are throwing away your money. My boyfriend cut his to accidently... they are saying that it's NOT an accident because he has diabetes and they won't cover it... I'm in arguments with them that his diabetes did NOT cause the cut or the infection. Ridiculous! So 15 weeks into THEIR supposed 60 day process we are still waiting. They will use every excuse not to pay a claim and to stall and delay, hoping that you will go away. Not happening.