Encompass Insurance ENCOMPASS INSURANCE IS A RIPOFF. CANCEL YOUR POLICIES NOW!!!! THEY DON'T HONOR ANY CLAIMS!!!! Philadelphia Pennsylvania

I've also had big problems with Encompass Insurance and their unfair and dishonest practices.

A guy t-boned my car several months ago (he got the ticket) and I had several injuries. I had neck, rib, and thoracic sprains, as well as a dislocated sacrum (where the spine attaches to the pelvis). I also had muscle spasms (like cramps). Basically, my whole spine and back was involved to a degree.

I was told by Encompass to use the Medical Expense (Med-Pay) coverage I had in the policy. When I bought the policy, I was told that the coverage was non-specific--I could use it for whatever treatments I needed, even to cover my health insurance deductible. The Encompass adjustor also told me that they didn't require specific types of providers or care, that the choice of treatments was up to me and my providers. I now know that's BS, and that they are deceptive in their selling and claims management!

After several months of treatment, they cut off coverage before I was healed and before I had reached the coverage limit. They had a "Peer Review" done by someone I never met or talked to, a Mr. Juan De La Vara. This person alleged that mistakes were made in the medical codes some initial providers used. He also claimed more documentation should have been provided early on. After invistagating his claims, I find they are quite false! The proper documentation was sent, and it is Mr. De La Vara who is uninformed about medical coding. In general, he was mis-applying Medicare codes to my case--this is not a Medicare claim! The physical therapisis told me it is Mr. De La Vara who doesn't know the proper application of these codes.

Encompass paid those bills months ago, having no problems with the documentation or codes when they came in. What's more ridiculous is that Encompass told me they would audit the bills as they came in and would check for problems.

Encompass used this false and dishonest document to cut off coverage, which is cruel and makes no rational sense. People have told me that these Peer Reviews are designed to favor the insurance company because they pay for the review. They look for any possible problems, real or imagined (imagined in this case). Then they exaggerate those alleged problems as much as possible to phony up a case to end coverage. But the degree of dishonesty here is astounding! For Encompass to use this reveiw by Mr. De La Vera (who is not really a peer anywey, he has a sports medicine practice), is a reflection of the dishonest way they conduct business. They need to be exposed!

Also, Mr. De La Vera never included my diagnosis or pain levels in his review, never talked to me or my providers to clarify any questions, never did an exam, and then left out the improvements I have been making. How sick can someone be to create such a distorted picture and sell out to an insurance company? And Encompass was all too quick to use this dishonest review to cut off my coverage!

I can not recommend Encompass Insurance, their adjustor, Ray Rhodes, or the agency that sold the policy, Hilb Rogal & Hobbs (HRH) of Denver.

Don't get ripped off like I did!

Last month, I was driving in a parking lot and saw a person backing out about 4 spaces ahead. I stopped to be polite, and she was backing toward me. I beeped over and over again. She eventually hit me. They said I was wt fault because their insured said, "I didn't see him so he must have been in the wrong."

This is absurd. I had the right-of-way, was stopped, and beeping my horn yet she backed into me (encompass admits this) but still says im at fault?????

Define giving your sister a "hard time". I am an agent who represents Encompass Insurance, and their claims service is excellent. It is typical with any theft claim to have to wait a certain amount of time just in case the vehicle is recovered. This is standard with any insurance company. You letter does not give a lot of detail, so I'm curious as to what is going on with your sister.

Also, Encompass does not rate policies according to race...you should do a little research before you accuse anyone of that type of discrimination.