Broadspire Services Claim Benefit Services A Coordinated Effort to Delay, Obstruct, and Avoid Paying Valid Insurance Claims in Violation of US LAWS Corners Georgia

Complaint Against Broadspire Services, Inc., Generali US Branch, Cover Genius, and Attorney Brian Spitler for Bad-Faith Insurance Practices and Litigation Misconduct

A Coordinated Effort to Delay, Obstruct, and Avoid Paying Valid Insurance Claims in Violation of Georgia Law

As a disabled United States Marine Corps veteran and my wife, we placed our trust in these companies to provide legitimate coverage in the event of a medical emergency. However, what we encountered was a coordinated scheme designed to delay, obstruct, and ultimately deny a valid claim.

This complaint seeks to highlight systemic issues within:

Broadspire Services, Inc. (Third-Party Claims Administrator)

Generali US Branch (Insurance Underwriter)

Cover Genius (Policy Issuer & Digital Insurance Provider)

Attorney Brian Spitler & Copeland, Stair, Valz & Lovell, LLP (Legal Counsel using obstructionist tactics)

Despite continuously providing documentation as requested and making every reasonable effort to comply with policy requirements, these companies have engaged in obstructionist tactics, repeatedly shifting requirements, and making excessive, redundant, and unnecessary demands—all seemingly designed to delay, frustrate, and ultimately discourage legitimate claimants from obtaining the reimbursement they are rightfully owed.

This is not just a single bad experience—it represents a pattern of bad-faith claim handling that may impact numerous policyholders across USA and beyond.

1. Broadspire Services, Inc.: Concerning Claims Handling Practices and Procedural Delays

Broadspire Services, Inc., a subsidiary of Crawford & Company, serves as a third-party administrator processing claims on behalf of Generali US Branch and Cover Genius.

Our experience suggests a pattern of obstructive tactics intended to create unnecessary delays, including:

Failure to respond to multiple emails and phone calls in a timely manner.

Reassigning our case between adjusters without clear explanations, prolonging delays.

Repeatedly requesting redundant or irrelevant documentation beyond standard claim requirements.

Legal Concerns Under Georgia Law:

O.C.G.A. § 33-6-34 (Unfair Settlement Practices) – It is unlawful for an insurer to fail to acknowledge and act promptly upon communications with respect to claims. Broadspire’s extended non-responsiveness appears to violate this standard.

O.C.G.A. § 33-4-6 (Bad Faith Insurance Practices) – Broadspire's conduct raises concerns about intentional delays that could trigger penalties for bad-faith refusals to pay legitimate claims.

Key Broadspire Personnel Involved:

Kimberly Markey

Theresa Williams

Noelle Wilson, Senior A&H Benefits Adjuster – Team Lead

Alexandria Bozelli, Team Manager

Jeff Maxwell, Qualified Manager

Michael Ostroski

Kandice Tate

Araceli Miranda, International Case Manager

Carey Bates, Client Engagement Manager

Joy Sanderson, Investigator

John O’Connor, Qualified Manager

Carolyn Payano, Claim Benefit Services

2. Generali US Branch: Failure to Provide Timely and Transparent Claim Processing

As the policy underwriter, Generali US Branch has a duty to ensure claims are handled fairly, efficiently, and in compliance with Georgia law. Instead, their response raised serious concerns about whether their practices align with industry standards.

Failure to provide clear, consistent updates on the status of our claim.

Deliberately requesting excessive documentation that does not appear relevant to the claim.

Delaying responses to our inquiries for extended periods.

Legal Concerns Under Georgia Law:

O.C.G.A. § 33-6-34(c)(1) – Failure to adopt and implement reasonable standards for prompt investigation of claims.

O.C.G.A. § 33-6-34(d) – Using delay tactics to mislead or hinder the claim process.

Key Generali Personnel Involved:

Chris Carnicelli, Chief Executive Officer & President

Greg McGinley, Vice President, Claims

Noelle Wilson, Senior A&H Benefits Adjuster – Team Lead

Alexandria Bozelli, Team Manager

3. Cover Genius: Digital Insurance Provider Engaging in Questionable Practices

Cover Genius promotes itself as a modern, tech-driven insurance provider, yet our experience suggests a concerning approach to claim denials and delays:

Significant delays in responding to claim inquiries.

Reassigning claims to different departments, causing further confusion.

Using vague policy language to justify delaying payment.

Legal Concerns Under Georgia Law:

O.C.G.A. § 33-6-34(b)(4) – Failing to provide a reasonable and prompt explanation for claim denial.

O.C.G.A. § 33-4-6 – Acting in bad faith in denying or delaying an insurance claim without a reasonable cause.

Key Cover Genius Personnel Involved:

Angus McDonald, Co-Founder & Chief Executive Officer

Kyle Keogh, Chief Business Officer, Americas

Jessica Martinez, Claim Benefit Services

Damien Lombana, Claim Benefit Services

4. Attorney Brian Spitler: Unethical Litigation Tactics and Irrelevant Distractions

Rather than addressing the merits of our claim, attorney Brian Spitler has introduced irrelevant and prejudicial information in what appears to be an effort to misdirect attention away from his clients’ refusal to pay a legitimate claim.

Concerns Regarding Attorney Conduct:

Attempting to introduce irrelevant personal history matters (including a past assault case) to deflect from legitimate legal arguments.

Employing procedural delay tactics to prolong litigation unnecessarily.

Using excessive objections and administrative barriers to avoid addressing the core claim.

Legal Concerns Under Georgia Law:

O.C.G.A. § 9-11-11.1 – Abuse of legal procedures for harassment or delay.

State Bar of Georgia Ethics Rules 3.1 & 4.4 – Engaging in litigation practices intended to harass or needlessly obstruct proceedings.

Attorney Information:

Brian Spitler, Esq.

Copeland, Stair, Valz & Lovell, LLP

Final Notice to Broadspire, Generali, Cover Genius, and Attorney Brian Spitler

We demand the immediate and fair resolution of our claim. If these companies continue to delay, request excessive and unnecessary documentation, or engage in legal tactics designed solely to deflect liability, we will escalate our efforts to expose what we believe to be a pattern of bad-faith insurance practices.

Our Ongoing Actions to Expose Systemic Fraud

We have already filed legal action and submitted formal complaints to the Federal Trade Commission (FTC) and other relevant regulatory bodies. However, this fight is far from over. We are committed to holding these companies accountable and ensuring the public is informed about what we believe to be their unethical business practices.

We Are Actively Taking the Following Actions:

 Working with investigative journalists and consumer watchdog organizations to bring national attention to these concerning claims handling practices.

 Publicly documenting every delay, obstruction, and deceptive tactic used in this case to ensure full transparency.

 Providing evidence to legal and insurance regulatory bodies to demonstrate a pattern of misconduct beyond our individual case.

 Collaborating with consumer advocacy groups and online platforms to amplify the voices of other policyholders who may have faced similar challenges.

 Pursuing all available legal avenues to not only seek resolution of our claim but to address broader concerns regarding how these companies handle policyholder claims.

Holding These Companies Accountable

This is no longer just about our individual claim—it is about bringing attention to what we believe is a systemic pattern of bad-faith insurance practices and ensuring no other policyholder has to endure what we have.

We believe that these companies have chosen to engage in delay tactics and obstruction rather than act in good faith. Now, they must face the consequences of those decisions.

Further Escalation If This Behavior Continues

If these companies continue to act in bad faith, we will:

 File additional regulatory complaints with the Georgia Office of Insurance and Safety Fire Commissioner.

 Notify federal consumer protection agencies of what we believe to be potential violations of policyholder rights.

 Continue exposing these tactics publicly to warn others and protect consumers from similar experiences.

Push for further legal scrutiny into these companies' claims-handling practices.

The Public, Regulators, and Legal Authorities Are Watching

This is no longer just about one claim.

This is about exposing what we believe is a pattern of bad-faith insurance practices, deceptive claim denials, and obstructionist tactics.

You had the opportunity to handle this professionally, ethically, and in accordance with the policies you sold.

You chose a different path.

Now, you will be held accountable.