- Report: #957377
Report - Rebuttal - Arbitrate
Complaint Review: american family insurance
american family insurance518 west scott street Internet United States of America
american family insurance insurance agent Brad Tagliapetra not honoring policy..bad faith act or covering up fraud Internet, Internet
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WI Office of the Commissioner of Insurance
Complaints - Insurance Program Manager
Bureau of Market Regulation
T: (608) 266-0083
F: (608) 264-8115
From: Casetta, Barry J - DOC
Sent: Monday, October 08, 2012 2:01 PM
To: OCI Complaints
Subject: RE: Insurance fraud
No and this is getting to be too much for me. It should be simple and answered by just two questions 1) why am I paying extra premiums (either I am paying for xtra coverage) or fraud is being committed( agent is knowingly selling me a product that he knows I can never collect on) its past thirty days and we have a camper that still is useless. They refuse to answer why im paying triple the normal premium. Its not a billing error either because I talked to the agency to discuss my bill and they told me that I had extra insurance. They still refuse to show me my policy or release their notes. Why is my family being treated so bad. I want to take a polygraph if the agent does. Im beginning to think that there is more to this. Are there any minority complaints involving American Family???? I perhaps should start researching that prospect because
all this bad faith doesnt make sense.
From: OCI Complaints
Sent: Monday, October 08, 2012 1:50 PM
To: Casetta, Barry J - DOC
Subject: RE: Insurance fraud
From: Casetta, Barry J - DOC
Sent: Friday, October 05, 2012 7:38 AM
To: OCI Complaints
Subject: Insurance fraud
This is a separate complaint for Fraud.I am giving you the background on my claim which I believe entails fraud on the part of American Family or their representative Brad Tagliapetra of Fond du Lac.I wish to pursue a separate fraud complaint which is: He told me that my camper was worth $12000. I told him that I cannot replace it for that. He told me to buy extra insurance. He asked how much more do I want. He said do u want $10 ,!% or $20,000 . I chose $20,000 as it would cover replacement cost. I am paying $32.30 a month for this extra coverage. The policy he says I have cost $12 a month. I will send you the proof from another AMFAM agent. I emailed the CEO on down to my agent over 20 times asking why am I paying the $32.20 a month. Its not a billing mistake as I called in July of this yr to ask about my policy. Again his office stated that I have REPLACEMENT VALUE. Im still paying an extra $200 over the basic policy cost.for the yr premium. NO ONE will answer why? I stated that one of two things is an explanation. Either I have replacement value or American family or its agents are selling me a product that they know I will never see. In doing so they are also profiting off me buy keeping my money. THIS is consumer fraud.
This is what happened...I have American family as my insurance company. When I got my policy for my camper my agent stated that the camper was worth $12,000. I told him that I cannot replace it for that and asked "what should I do?" He said buy extra coverage. So instead of paying $156.10 a yr($12 a month)I am paying $337.30($32.30)a yr. I was okay with the price because my agent told me that we have REPLACEMENT value.Now that I have a claim they said I only have the basic policy. They offered me $6,000 as they said it would be too costly to repair. Why then am I paying almost $180.00 more? Where is that money going to? My agent hung up on me 5 times on me a week ago.(Brad Tagliapetra of Fond du lac) How can they get away with this? Another agent confirmed that im paying for extra coverage.
a week ago American Family Corporate headquarters took a recorded statement from both I and the agent. I complained that they are acting in Bad Faith because they are refusing to let me see the initial notes that set our policy at our first meeting
along with my camper policy. All they sent me when I received the policy was a one page declaration with no payout amounts. I gave my statement under protest of their bad faith. My agent stated point blank that I have no right to his notes on MY policy.
My wife a three children are extremely upset and emotionally stressed out over this. We have lost Sept and Oct as camping is to close and we have a damaged camper. I am looking for an Attorney who is enforce the $20,000 policy that I have been
paying on. Another agent sent me an email stating the cost of the policy that American Family says I have as costing $156.00. So I told AMFAM one of two things is real. Either I have extrainsurance as my agent told me and my wife or he is committing fraud as he is selling me extra insurance that is knows that I can never collect on. I cannot be reached on phone until 445pm at 920-921-8191.
I have all of my agents emails. I have emails where he told me yesterday to drop my policies asap. I have a phone call in which he said he might of "confused me"My agent Brad also told me never to contact him again despite me having a homeowners policy with him!!!!I have some in which he begged me to call him before he gives a recorded statement so we could possibly settle. He seems extremly nervous. I emailed the CEO of American and everyone on down the line asking a simple question "why am I paying $32.30 a month for a twelve dollar policy???? No one will answer this and my agent emailed me NOT to talk to him(even though I have a homeowners policy with him)
today they(American Family) said that there were confusion in my policy but they will not honor it. I emailed their ceo at email@example.com and he will not answer a simple question. Why am I paying triple monthly coverage($32.10) for a $12 policy? I complained to the insurance commissioner and said one of two things are happening. One that I have the extra coverage that my agent promised me) or 2) my agent is committing fraud by selling me a promise and product(extra coverage) that he knowingly knows that i will never see, collect on. That is a definition of consumer fraud. Over 20 times i have emailed AMFAM to get the necessary papers in their file about me so i can mount a good defense of my claim. In ALL of those emails i told them specifically that to not supply or cooperate is a legal act of BAD FAITH. Its been since Sept 7, 2007 since the damage occurred. They even forgot to inform me that arbitration is available (with in 30 days) Now its too late.
This report was posted on Ripoff Report on 10/19/2012 04:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/american-family-insurance/internet/american-family-insurance-insurance-agent-Brad-Tagliapetra-not-honoring-policybad-faith-957377. 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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