Report: #833650

Complaint Review: Western World Insurance Group,

  • Submitted: Fri, February 03, 2012
  • Updated: Sun, July 15, 2012
  • Reported By: Annoyed consumer — New Jersey U.S.A.
  • Western World Insurance Group,
    400 Parson's Pond Drive
    United States of America

Western World Insurance Group, Stratford, Westco and Tudor Insurance A firm that doesn't like to pay claims, Internet

*Author of original report: Western World Insurance finally pays up

*Author of original report: Plaintiff Amends Suit to allege Fraud

*Author of original report: Photos

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Western World Insurance Group, is located at 400 Parson's Pond Drive, Franklin Lakes, NJ 07417, it was founded in 1964, and writes insurance under the names: Stratford, Westco, and Tudor. Western World is an underwriting organization, offering insurance products. They provide commercial general, professional, product liability, and commercial auto coverages.

In 2005, the company reported $28 million in profits with $311 million in revenue. The company has $1.3 billion in assets.

In my opinion this firm has a demonstrated miserable record of paying out on its claims.  Collecting premiums they like, paying out money they do NOT like and they spend quite a lot of time in the courts trying to hold onto every penney they can.

From 1983 to 2011, Western World and its 2 clones, Tudor and Stratford Insurance companies, have been in 81 Federal Courts, from Arkansas to West Virginia, 392 times; 340 of these were civil cases, 16 bankruptcies and 36 appeals.  State cases are simply to many to bother counting.

One of the larger actions Western World was involved in was big news on the West Coast and was reported in the press as:  "Western World Insurance Company pays $2 million to settle group care homes discrimination claims", when Western World agreed to settle a federal Fair Housing Act lawsuit for $2 million.

The suit, a joint effort between the Fair Housing Council of Washington and the Fair Housing Council of Oregon, alleged that Western World systematically canceled the insurance policies of businesses that provided housing services to persons with mental disabilities.   In an unsuccessful motion to dismiss the suit Western World did not deny its discriminatory policies against persons with mental disabilities.

Other egregious actions of Western World (Thomas F. Mulligan, President & CEO), Jimcor Agencies (Francis Mastowski, Sr.VP, 60 Craig Road, Montvale, NJ)  and their lawyer Carl A. Perrone of Iaciofano & Perrone (157 Washington St, Morristown, NJ), involved the owner of a building which was leased to a tenant and used as an adult book store.

The Turnersville, NJ store was severely vandalized 12/29/10 and for over a year Western World stalled any payment by repeated requests for documents that had already been provided several times and by demands for information from the tenants, who were not part of the claim nor were they insured by Western World. 

The bookstore eventually filed suit saying that "The refusal to pay coverage . . . has been wrongful without reasonable basis to deny, in bad faith, and designed to deny the benefit of insurance coverage by defendant"  The Owner of the building was forced to make repairs out of his own pocket despite having paid years worth of insurance premiums to Western World  The Owner's claim was for the $114,000 repair costs and $132,000 loss of earnings while the building was unusable.

In a final piece of legal slight of hand Western World lawyer Carl Perrone cross filed against the prior tenant and with no proof at all stated in documents that they believed that the prior tenant caused the extensive damage and the Owner should be compensated by that tenant and not Western World Insurance, thus making the assertation that Western World had no duty to pay the insurance claim but the tenant should pay it!

Details on these cases and others can be found at: and

This is another example of why consumers put insurance companies, like Western World, and their lawyers like Carl Perrone, on par with used car salesmen and IRS Agents.

This report was posted on Ripoff Report on 02/03/2012 07:12 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 Author of original report

Western World Insurance finally pays up

AUTHOR: Annoyed consumer - ()

While this can be put into the 'win' column for the insured consumer if falls $54,000 short of what was claimed. The insured spent many months in litigation and ran up a $17,000 legal bill in fighting this 3rd rate, bottom feeding insurance company.

This should serve as a stern warning to all those using Western World Insurance or one of the spins offs* that if you should have a claim with them you are going to have a problem getting it paid. 

Expect to have to run up thousands in legal bills, and as the insured here found you will be hounded for materials that you have already provided several time already and eventually you will have your claim denied.

I suggest that you check your business insurance policy and if it is Western World or a spin off of theirs you should consider writing with a better agency.

* writes insurance under the names: Stratford, Westco, and Tudor.
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#2 Author of original report

Plaintiff Amends Suit to allege Fraud

AUTHOR: Annoyed consumer - (U.S.A.)

Motion to Amend Complaint

J. Franklin Properties, LLC, Plaintiff


Western World Insurance Co and Jimcor Agencies, Defendants

In an  amendment to the original complaint the owner of the vandalized bookstore in Sicklerville, NJ, now adds five counts to their $325,000 claim and alledge that both the Franklin Lakes (NJ) insurance company (Western World) and their Montivale (NJ) agents (Jimcor Agencies):

*  Failed/Refused to make payments to them under the terms of the policy

*  Breached their duty of good faith and fair dealing with Plaintiff,

*  Without reasonable basis acted in bad faith,

*  Engaged in wrongful and tortious acts in violation of the NJ Consumer Fraud Act and the Insurance Trade Practices Act, by committing both affirmative misrepresentation and knowing omissions in violation of said Acts,

*  Refused to pay benefits after receiving all pertinent information necessary to evaluate the claim, demanding multiple submissions of the same materials,

*  Compelled the Plaintiff to initiate litigation and incur out of pocket legal fees to obtain benefits of their insurance policy,

*  Breached their advertised claims of protecting their insured by providing coverage while at the same time refusisng to pay the claim,

*  Failed to comply with terms and conditions of the policies they wrote,

*  Committed and engaged in Unconscionable commercial practices, deception, fraud, false promises, misrepresentation and thus caused Plaintiff financial damage and loss

The Plaintiff asks for a jury trial and demands compensatory damages, punitive damages, attorney fees and the costs of the suit.
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#3 Author of original report


AUTHOR: Annoyed consumer - (U.S.A.)

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