• Report: #414501
Complaint Review:

Erie Insurance, Karen Williams, Terrence Cavanaugh, Phillip Garcia

  • Submitted: Wed, January 21, 2009
  • Updated: Thu, November 25, 2010

  • Reported By:wilkes barre Pennsylvania
Erie Insurance, Karen Williams, Terrence Cavanaugh, Phillip Garcia
100 Erie Insurance Place, Erie,, Pennsylvania U.S.A.

Erie Insurance, Karen Williams, Terrence Cavanaugh Phillip Garcia ERIE INSURANCE COMMITED FELONY INSURANCE FRAUD AGAINST THEIR OWN POLICYHOLDERS! Erie, Pennsylvania

*General Comment: Erie Insurance company does not pay their hail damage claims!

*Consumer Comment: Erie Insurance Maintaining a High Standard of Excellence

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My wife and I were policy holders and premium payers for 7 years with Erie Insurance. On June 30, 2007 a criminal named Wayne and Shirley Kogoy filed a fraudulent insurance claim against our policy. Our car was parked overnight outside our house. Kogoy said that our car magically hit their car overnight when it was parked and there was this alleged collision. Obviously our car did not move, as it was parked overnight. Also there was absolutely no contact with our car, upon close examination of the front bumper. Not even was the dust on the bumper disturbed.

Since Kogoy's car was gone, there was no way to examine their rear bumper. It was at this point that I realized, THIS WAS FRAUD.

Thirty days after the fraudulent accident Erie advised us of this fraudulent claim. We advised Erie of the fraudulent report and were scheduled to meet with Mr. Breitfeld of Erie. After 3 no shows by Mr. Breitfeld, he refused to return our calls. He never showed up to do his job of examining our car. We called his supervisor John? but he did not show.

We called our agent of 7 years John Olsommer (Olsommer Clark). He told us a fantastic lie that we should not worry about our this false claim against us. He said it would not affect our "Clue Report" with Choice Point, and that it would not affect our perfect driving record. He lied, we can not get insurance because of this fraudulent accident. As if we should tolerate this insurance fraud with Erie in the first place.

In October 2007 Erie cancelled our insurance due to the fraudulent accident but blamed it on premium payment. The policy cancelled 10/2/2007 the premium was not due until 10/12/2007. Erie lied.

We then called the home office and spoke to an arrogant Karen Williams who denied us any proper and legal investigation of their fraudulent insurance claim. We explained that we are disabled and must have our car to get our medications and go to the doctors for medical care. Karen Williams sneered and showed no regard for our medical condition or disability. She was rude and obstructed us from speaking to Terrence Cavanaugh, the president. I told her that they were involved in felony insurance fraud and there would be criminal charges if they were prosecuted. I also told her that she was jeopardizing her boss Terrence Cavanaugh by exposing him to a criminal investigation and prosecution.

Karen Williams in her criminal smarmy arrogant manner said "we (Erie) don't care about your pitiful situation (disability), go ahead and get the FBI involved, we don't care". I said that all we wanted was to have one of Erie's own highly professional claims examiners look at our car, and if they could show us any contact with our car's bumper, we would accept their findings. She arrogantly refused.

After Erie Insurance took our money for 7 years they refused to investigate this fraudulent claim. Erie has committed felony insurance fraud and has been caught red handed. That is the only reason they refuse to look at our car.

They have been fighting us for 1 1/2 years.


wilkes barre, Pennsylvania

This report was posted on Ripoff Report on 01/21/2009 02:29 PM and is a permanent record located here: http://www.ripoffreport.com/reports/erie-insurance-karen-williams-terrence-cavanaugh-phillip-garcia/erie-pennsylvania-16530/erie-insurance-karen-williams-terrence-cavanaugh-phillip-garcia-erie-insurance-commited-414501. 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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#1 General Comment

Erie Insurance company does not pay their hail damage claims!

AUTHOR: David Snell - (United States of America)

Erie Insurance does not pay their hail damage claims.
David Snell
Charlotte N.C.
Anyone think a class action law suit would help Erie Insurance get the picture?
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#2 Consumer Comment

Erie Insurance Maintaining a High Standard of Excellence

AUTHOR: Tyler - (U.S.A.)

Erie Insurance is a Great Insurance Company. They truly believe in the words customer service. I have read some of the report about about Erie on here and these people clearly have anger issues. No Business can ever really make everyone happy, it is impossible. One person on here was angry because Erie reported an accident that was disputed by the policyholder. The angry indivdual obviously had no knowledge of insurance and its rules and regulations. Its really quite simple, when someone reports an accident, a claim is filed, if one party chooses to file a claim then the insurance company has to report it. Whether both parties agree to what happened in the situation or not has nothing to do with it. Do you know how many times that people report different stories as to what happened in an accident? It happens quite often because no one wants to admit fault in the accident. NEWS FLASH, people lie so that they do not have to take fault when they are involved in an accident. With your case I dont know what happened because I wasnt there. But I do know that you gave Erie Insurance a hard time and that you are angry because you were found at fault in accident that you said that you were not a part of. This company has been around since 1925 and their moto is "To provide our Policyholders with as near perfect protection, as near perfect service, as is humanly possible, and to do so at the lowest possible cost."
Erie is rated an A+ by A&M Best Company which rates Insurance Companies in terms of financial strength. If you have a LEGITIMATE claim, its gonna get paid. They were also honored and ranked #1 by J.D. Power and Associates for customer service with auto insurance purchase experience. Erie has been great for me and my family and they have always had my back in difficult times. Its really hard for me to believe that they would commit INSURANCE FRAUD. In my opinion they are simply the best insurance company in the world and there is no one I would rather trust with my LIFE!


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