- Report: #998366
Complaint Review: AFNI
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| AFNI 404 Brock Dr.
Bloomington, Illinois United States of America |
|
AFNI Insurance claim fraud Bloomington, Illinois
*UPDATE Employee: Financial Responsibility
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Several months ago, I was involved in a car accident. The woman had parked behind me in the middle of the parking lot of a gas station, where I could not see her. Backed up to pull out, bump. The damages to both vehicles were almost non-existent, with the small scuff on my car, which was worse off, washing off in the rain. Her car had a small speck of paint chipped off.
She freaked out, called the law, filed insurance report. Was never contacted by her insurance, but suddenly I get a letter in the mail from "AFNI", stating I owed $2,060 and would lose my license and ability to register a vehicle if I didn't pay. I knew there was no way there was that much damage, so I looked into the company. I only came across reports of this company scamming people and making empty threats.
I called the place anyway, to see what was up, and the woman was nothing but a rude, know-it-all, and several other things I'm not going to type out. She said if I didn't pay $150 by the end of this month, my license was gone. Or, I could pay $1470 by February. Thing is, I live in a county that has almost no jobs, and have been looking for one for ages now. Tried to say "you know, I get this much each month, and have yet to find a job, can I not just make small payments until then?" and she proceeded to tell me how much of a loser I was for not having a job, how useless my mother was for not being able to help me because she only gets SSI (she's disabled), and how I could say goodbye to my car and everything else. I plan on going to the actual insurance agency the woman had (it's local), and seeing what they say, as well as visiting with the county's secretary to see if they know anything about it, and if a collections agency like this one can actually somehow take a person's license and pretty much everything else.
I'm very vexed about all this, and was on the verge of yelling at her the entire time. It makes no sense, I know I don't owe that, and I have a feeling that it's all empty threats.
She freaked out, called the law, filed insurance report. Was never contacted by her insurance, but suddenly I get a letter in the mail from "AFNI", stating I owed $2,060 and would lose my license and ability to register a vehicle if I didn't pay. I knew there was no way there was that much damage, so I looked into the company. I only came across reports of this company scamming people and making empty threats.
I called the place anyway, to see what was up, and the woman was nothing but a rude, know-it-all, and several other things I'm not going to type out. She said if I didn't pay $150 by the end of this month, my license was gone. Or, I could pay $1470 by February. Thing is, I live in a county that has almost no jobs, and have been looking for one for ages now. Tried to say "you know, I get this much each month, and have yet to find a job, can I not just make small payments until then?" and she proceeded to tell me how much of a loser I was for not having a job, how useless my mother was for not being able to help me because she only gets SSI (she's disabled), and how I could say goodbye to my car and everything else. I plan on going to the actual insurance agency the woman had (it's local), and seeing what they say, as well as visiting with the county's secretary to see if they know anything about it, and if a collections agency like this one can actually somehow take a person's license and pretty much everything else.
I'm very vexed about all this, and was on the verge of yelling at her the entire time. It makes no sense, I know I don't owe that, and I have a feeling that it's all empty threats.
This report was posted on Ripoff Report on 01/17/2013 08:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/AFNI/Bloomington-Illinois-61701/AFNI-Insurance-claim-fraud-Bloomington-Illinois-998366. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 UPDATE Employee
Financial Responsibility
AUTHOR: subrogator75 - (United States of America)
SUBMITTED: Sunday, February 03, 2013
You should look up the financial responsibility laws in your state. Almost every state requires that you have insurance on your vehicle & when you DON'T that puts you at risk for suspension of your license/ registration. AFNI doesn't suspend your license. The paperwork is submitted to the state & the state suspends your drivers license.
Based on the facts of loss as you told them the other person was parked as you backed up. As the vehicle who is moving you had the duty to lookout & are at fault for hitting a vehicle that wasn't even moving. If you had been covered by insurance at the time of loss your insurance carrier would of paid the damages to the other vehicles ins co. / or to her so she could have her vehicle fixed.
Instead, you chose to break the law and an innocent person had to file a claim on her own insursnce, pay an out of pocket deductible (typically $500), and will most likely face a rate increase in her insurance because YOU broke the law. Fair? No.
If you believe that suspension of your license is an empty threat please review the laws in your state. I can verify that it is not an empty threat. Most states will suspend then require that you take care of the damages
In order to protect your license.
As for the cost of the estimate: a shops estimate must be inline with industry standards or the carrier won't pay for it. Think about it: why would a large ins. Co. Pay out "fake" damages to try and get extra money from people who can't even afford insurance? The law is requiring that you pay for your irresponsibility. Take rwsponsibility for that. That may seem 'bogus' to you but if you're going to drive your vehicle without insurancscoverage then be prepared to pay for the consequences of those actions. You might think it's unfair that you have to pay for the damage you've caused but its DEFINITELY not fair that the insured has to pay.
Based on the facts of loss as you told them the other person was parked as you backed up. As the vehicle who is moving you had the duty to lookout & are at fault for hitting a vehicle that wasn't even moving. If you had been covered by insurance at the time of loss your insurance carrier would of paid the damages to the other vehicles ins co. / or to her so she could have her vehicle fixed.
Instead, you chose to break the law and an innocent person had to file a claim on her own insursnce, pay an out of pocket deductible (typically $500), and will most likely face a rate increase in her insurance because YOU broke the law. Fair? No.
If you believe that suspension of your license is an empty threat please review the laws in your state. I can verify that it is not an empty threat. Most states will suspend then require that you take care of the damages
In order to protect your license.
As for the cost of the estimate: a shops estimate must be inline with industry standards or the carrier won't pay for it. Think about it: why would a large ins. Co. Pay out "fake" damages to try and get extra money from people who can't even afford insurance? The law is requiring that you pay for your irresponsibility. Take rwsponsibility for that. That may seem 'bogus' to you but if you're going to drive your vehicle without insurancscoverage then be prepared to pay for the consequences of those actions. You might think it's unfair that you have to pay for the damage you've caused but its DEFINITELY not fair that the insured has to pay.
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