Report: #82998

Complaint Review: American National Insurance - Brian Osterloh

  • Submitted: Sat, March 06, 2004
  • Updated: Thu, October 18, 2012
  • Reported By: Goshen Indiana
  • American National Insurance - Brian Osterloh
    1949 East Sunshine Street
    Springfield, Missouri

American National Insurance Tom Stiver Insurance Goshen- Brian Osterloh Offering me 1/3 of the value price on my totaled vehicle took my vehicle without authorization listing it as a base vehicle so the price will be lower Springfield And Goshen Missouri

*REBUTTAL Owner of company: Desperate Example

*Consumer Comment: Common Practices and GAP

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My van was totaled in January. It was towed to a local garage(Thompsons) here in Goshen. I was told by American National they would have an appraiser come look at it in a few days. Next thing I know they tell me they will be taking it to Hammond In so it is closer for their appraiser. They came and took it before I had a chance to even get my plates.

They gave me a rental car as my policy did state (25 days) how ever the fine print said or until they deem the vehicle a total loss which was about a week. They then sent me an offer which was about 1/3 of the value, leaving me over $6000 left to pay on the note) along with a power of attorney form to sign to release them and were pushing to have it signed. Now almost 2 months later and countless letters from me pointing out all the options that were left out and still not corrected, they have come up several hundred still remaining aprox.$3000 less of were they should be.

Still leaving me about $ pay. This vehicle was a 99,show room condition,61000 miles(pictures)They are now trying to force me to go the personal appraiser route and will not bring my van back to my location were it was taken from so my appraiser can see it.Untill this is settled I can't switch insurance companies. Can anybody assist me with this? Everybody who is currently with American National, beware.You may want to consider a move.

Goshen, Indiana
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This report was posted on Ripoff Report on 03/06/2004 12:15 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 REBUTTAL Owner of company

Desperate Example

AUTHOR: JASPER SCREWED ME TOO - (United States of America)

It sounds like this insured bought a car for way over the value it should have been sold for, (I am guessing that they have bad credit) and then he didn't put gap coverage to cover the difference in the car loan and the book value of the vehicle.  It also sounds like you were wanting the lowest price on insurance so some corners were cut to save a few dollars and then when the gamble didn't pan out, you want to have the best coverage and the most benefit which should have been there in the first place.  When you want certain coverage, you need to be a intelligent consumer and make sure you ask for the coverage that you want in place.  The rule has always been "CAVEAT EMPTOR,"  let the buyer beware and take responsibility for the difference of what you are wanting and what you are getting.  Ask the right questions and you wouldn't have had this problem in the first place.  Don't blame others for wanting to have the best for the least amount of money, it never works out that way when short cuts are taken, sorry.
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#2 Consumer Comment

Common Practices and GAP

AUTHOR: Rezin - (USA)

Your van being taking to another garage is a common practice, usually they do this because they have a contract with a company and will not pay nearly as much in storage as the place it happens to be.

Whenever you have an accident and the tow company thinks its going to be a total loss its always a good idea to start looking for another vehicle, since it is the practice of insurance companies to only allow you in the rental for the minium amount of time as possible.

As far as them offering you less then your payoff value GAP insurance is the best thing, everyone should opt for this if they are in an upside down loan which from your figures i would say really upside down.

All insurance companies practices are about the same, unfortunatly you just happened to go through this expierence with this insurance company if it has been progressive their name would have been here instead.


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