I know this is long, but try to read to the end for the full picture.
My mother passed away in June of 2008. I informed the government ( they did not request a death certificate and actually were the ones who told me not to worry about sending them anything), General Motors (also did not request any documentation), the utilities (said I could fax them), phone company (said I could fax them), Time Warner (who said they would only accept a certified death certificate presented by me in person at one of their offices--I told them to accept the one I just faxed or none at all) and the insurance company. She had no life insurance and the only insurance outside of health care (GM and SS) was with American fucktardsFamily Insurance on her house and car. I sent them a certified copy of her death certificate along with a letter explaining the ownership of the property (property transfer occurred several years prior to her death).
At that time, around the end of July, they said the home owners policy wasn't due until November and that the car insurance wasn't due until later. In October of 2008 I sent them a check for the full amount of the one year premium of the home owners policy my mother had taken out. I figured it was all about the same in terms of cost of replacement, etc etc. Didn't feel like shopping around. Was still pretty depressed and all that.
This September I received a letter from American fucktardsFamily Insurance addressed to my mother. They were canceling her home owners policy. Let me tell you what was in the letter, my comments are in red per usual and emphasis is mine:
As do all insurance companies, we have standards *oh, they have standards alright--insurance fricken standards are all over the news all the time* which help us determine whether we can provide insurance in individual cases. To our regret, we have concluded that we must ask you to secure insurance coverage from another source. Coverage will continue until 12:01 a.m., standard time, at the address shown in the policy on 11/15/2009 at which time the date all coverage shall cease.
We feel you are entitled to know the reason for our decision to terminate this insurance. *Really? How nice of them. I'm sure my mother is so pleased that they are willing to tell her why they have decided to drop her after only 16 months after her death. A mere 15 months after they got her death certificate!*
We are unable to continue coverage under this policy as the credit information we received indicates the named insured is deceased. *Credit information? Are they serious? A death certificate and a check from me and the informational letter weren't....what? read? acceptable? believable? But, they'll take it from the credit bureaus word?* We offer our condolences to your family. *Sensitive, eh? Because they didn't at the time I had all the exchanges with them via phone and snail mail once say they were sorry for our loss.* This does represent a substantial change in the risk, as the insured dwelling is no longer owner occupied. If this information is not accurate, please contact your agent to update your information. *Well, it is owner occupied, as it has always been owner occupied from the time it was purchased. As I explained to them over a year ago. With documentation!*
This action does not imply that you are uninsurable, nor does it prevent you from obtaining other insurance.*Huh? She may still be insurable? For what? A death insurance policy in case she comes back from the grave?* You may be eligible for coverage through American Family Brokerage, Inc. blah blah blah...........on and on. *So, I guess they have some lesser insurance lacky type companies they turn you over to, for a commission no doubt, for cases just like this one?*
But, oh, yes, there's a big but in this yet. But, I got the renewal reminder for her car insurance last month after I got the above letter. I tore it up. I have no idea how the car was insured or in who's name for the last year. And, at this point I don't even care. I didn't need it so I just don't care.
But, again...........there's more. Yes, it couldn't just end with us going to State Farm and getting different insurance last month. (I have to say I found it touching that the State Farm agent tried really hard to keep a straight face as we were showing him all this. Personally, I would have lost it and laughed out loud.) Nope, it didn't end there with American fucktards Family. Late last week I got yet more stuff addressed to mom. This time it was a customer service satisfaction survey from JD Power and Associates on behalf of American fucktards Family Insurance. They even specified that she needed to use her PIN. Only, she didn't have one. I would know since I took care of all her business the last couple of years..........yee gods, any question of why insurance companies are fucked up should be answered now.
I'm actually thinking about filling it out as if I were her responding from beyond the grave. Mom would love if I did that. Really, she would. Maybe I will. Maybe I'll add some cigarette ashes and say they're in lieu of a signature since she was cremated. Think that would get the point across for once and for all?
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