You may think to yourself, OK, so you have to have insurance dumbass, whats your complaint? It is designed to protect you and me from the complete idiots that the state deems necessary to hand out drivers licenses to.

Hold on, my complaint isnt against being required to have insurance, I too believe that everyone should have it. My complaint lies in the fact that insurance companies are allowed to get away with State Sanctioned Extorsion simply because it is the law that we carry insurance.

Now what, you may ask, has caused me to suddenly rant about insurance?

You asked!

I have (had) my insurance through Allied Insurance, a Nationwide® company - On Your Side I had three cars with full coverage insurance and my house insured through them. No, I am sure that I am not making them rich, but I am doing my part!

On July 20th, 2005 at 7:20 P.M., my son and two grandsons died in a car crash a couple miles from home. ( CLICK HERE TO VISIT THIER MEMORIAL PAGE> They were passengers in another persons vehicle on thier way back home from picking up a puppy for my Grandsons upcoming birthday. There was no drinking, no drugs, just my three boys and a family friend on thier way home with a puppy! The driver carelessly pulled out into oncoming traffic to pass another vehicle and was hit by a pickup head on. My Son and my daughters son died instantly. My sons son died in Childrens Hospital 45 minutes later. As fate would have it, the driver survived with only minor injuries.

The Drivers insurance company, Viking Insurance notified us, (after I called them several weeks later) that the drivers insurance only covered $25,000 per person up to a total of $50,000.00 per incident! So we have 3 deaths and 2 injuries and only $50,000.00 to go around! Never fear though, the insurance agent at Viking tells me. Call your insurance and find out what kind of coverage that you have for uninsured/underinsured motorist coverage and file a claim. Me file a claim?!?!?! On my insurance?!?!?! I was confused, but the Viking agent explained to me that it is my right, thats what I pay them for, for things like this.

OK, a couple of weeks go by and I call my aagent and am told that I carry uninsured/underinsured motorist coverage of $50,000 per person up to a total of $100,000.00 per incident and that the Viking agent is indeed correct and that I need to file a claim ASAP, after all, that is what you pay your insurance for.

I file the claim.

Two weeks later, my daughter is on her way home from her Grandparents when she is sideswiped by a yellow pick up truck, the driver of which was kind enough to keep driving! Hit and Run! Of course, short of the pure panic and terror that is now placed on my family due to this ignorant piece of shit that should not even be allowed to be in our society, let alone have a drivers license so that he can roam the streets freely, terrorizing innocent citizens, we now have to file another claim! I call my insurance company and file a claim on the hit and run, I pay my $500.00 deductable and get a check for $900.00 to repair my car, total? $1400.00 worth of damage (not counting emotional trauma) to my car from Mr. inconsiderate asshole, I pay for my monthly premiums for full coverage on my cars and recieve a check for $900.00 to repair the $1400.00 worth of damage.....and?....They raised my premiums through the roof on an accident that was'nt my fault! OK folks, roll with the punches here. I lower my insurance on two of my cars to just liability so that I can afford to get by on my premiums, what else can I do, the state says that I have to have insurance, my hands are tied. Flash forward several months into the future.....

(que Scooby Doo Music)

I am sound asleep in my house at 11:00pm when suddenly I hear a loud bang!

WHAT THE HELL?!

You guessed it, I run outside to discover that a drunken idiot (I assume) has sideswiped not one, but two of my cars! And they conviniently picked the two that I have dropped to liability coverage!!!! And what else you may ask? Of course, THEY RAN!!!!!!!!!!!!! But this time it is not as bad as it seems, hehehe, they left thier front bumper laying in the street next to my car...with the license plate attached!

Dumb Ass!

OK, call the cops, file a report, cops say call your insurance and file a claim, I call insurance and file a claim, Insurance says you only have liability, I say I know but the cops told me to call you, cops arrest dumb ass who hit my cars, I file claim against dumb asses Insurance ( Farmers) and they politely pay to have the approximatley $8000.00 worth of damage to my cars repaired, along with rental car usage during the time the cars are in the shop. The folks at Farmers are quick and courteous and resolve the problem ASAP, thank you Farmers! Flash forward another week.....

(que Scooby Doo Music, again)

My wife calls Allied Insurance, a Nationwide® company - Remember? The guys that say they are On Your Side? to pay our monthly premium and is told by the agent that he can not accept her payment!?!?! WHAT? A insurance company refusing to take your monthly premium from you? What the hell is going on here? Well, explains the agent, you have cost Allied to much money and we feel that you are a risk! We have canceled your policy. Oh hell no! You have got to be kidding me. I am 42 years old and have NEVER had an accident, my wife is 41 years onld and the only claim she has ever made was about 5 years ago when a railroad truck backed into her car, not her fault. Niether of us even have so much as a speeding ticket, and yet, we have become a risk!

So let's take a look at what the insurance company has said here:

They have the nerve to say I am a risk? Hey insurance company, yes you! The fuckers that seem to think that thier sole purpose in life is to collect peoples money and never have to pay out! I have paid my premiums for years (thousands of dollars), accident free, claim free! This is what it is all about. I pay my insureance premiums and gamble that if I ever need it, it will be there for me. You accept my premiums on the gamble that I may never have to collect on it and you make money. Well folks, for years you made money off of me and I never recieved anything for my troubles. Now you have had to pay and you don't like it! Tough, thats what you are in business for, it's a risk, and if you don't like it, go into the flower business or something safe. The state says that I have to have insurance or I can't drive! You, on the other hand, are in the business to cover me in case of an accident, you are not in the business to collect money from me for as long as you can, and in the off chance that I should need to file a claim you are just going to drop me because you had to pay! What kind of happy horseshit is this? As long as I am paying you, we are fine, but as soon as you have to pay were are not? Heres an idea, you send me $350.00 a month. I will take that money and I will invest it and collect interest etc off of it and if I get in an accident I will use that money to pay for the repairs etc! If I never get in an accident I will just keep the money that you have been sending me, ok? Sound good? No? Why not? That's what you have been having me do for years with you! Did you honestly think that I was never going to collect if I had to? Did you really think that I was just going to pay you all of this money, year after year and when the time came to make a claim, I was just going to sit back and ignore it?

I have news for you, YOUR A FUCKING INSURANCE COMPANY! THATS WHAT YOU DO, YOU INSURE!

In closing, I would like to say that now it is almost impossible for me to get a good insurance rate at any company because me and my family are now considered a high risk because of the deaths in our family! These companies are actually making us feel like it is our fault that our children died and we are now being punished for it! (by the way, as of the time of this rant we have yet to collect any money from that $100,000.00 underinsured motorist claim, the insurance companies have tied it up in court since one of my sons ex girlfriends found out that there was insurance money and decided to file a claim against it, claiming to be his wife! OMG thats a future rant, believe me!)

I have filed a complaint with the Colorado-Department of Regulatory Agencies - Division of Insurance against Allied Insurance, a Nationwide® company - Remember? The guys that claim that they are On Your Side? and am as of this time waiting an answer. I will keep you updated as I recieve additional info!

UPDATE: So, I report these pieces of shit to the Colorado Insurance Regulatory commision and what is thier answer to the board? "Ummm, like he was late on his payment so we canceled him!" HELLO you stupid monkey dicks! I know why you cancelled my policy, I was calling with a payment to get it renewed when one of your trained chimps on the other end of the phone explained to me that your underwriters will not renew my policy due to them having to pay out!

Are your underwriters so completely unaware of what it is that insurance companies do that when someone makes a claim they freak out and refuse to insure them, even though it was not the person making the claims fault? At what point did thier underwriters decide that I was a high risk to thier insurance company? Was it when My son and two grandsons died in a car crash and I filed a underinsured motorists claim? Was it when my daughter was involved in a hit and run accident (she was hit and the asshole ran) and I filed a claim on the $1200.00 worth of damage of which I paid $500.00 and they paid$700.00? Was it when, while in bed, a drunken asshole hit two of my cars and I filed a claim against the drunken assholes company to get them fixed?

The company that I work for uses Nextel radio service, enough said, so do most companies these days. Now, as is the case throughout the working world, when you quit or get fired from a job, you are required to return any company owned equipment that you have in your possession. Again, a simple rule that even an idiot can follow, well, most idiots. You see, we hire an extremely higher rated version of the common idiot than most companies do. And when you are dealing with a higher class of idiot, even the simplest of tasks is often times impossible to follow. But I digress.

Recently, we had to remove from our company, 4 of these very special idiots. Upon termination of their contracts with us they had to return several items, the Nextel Radios being one of these items. Now one would think that this would mean 4 Nextel’s, right? Nope, we were even kind enough to allow 2 of the above mentioned imbeciles to have an extra Nextel for their wife’s since they had no cell phones.

Score, Idiots – 6 Nextel’s, Us – The bill for 6 Nextel’s that we don’t have.

Ok, so what would any normal thinking person do when confronted by a situation such as this? Exactly, the same thing that we did, contact Nextel to report the radios stolen and have the service shut off on them. Hehehe, this is where Nextel comes into the picture and the levels of incompetence rise to even higher levels than even the idiots we hire at my job could reach!

Now, the co-owner of the company calls our friends at Nextel to report our 6 radios stolen and get the service for these radios turned off, easy enough, right? Yeah, sure. Now as most people are aware, if you get your cell phone stolen, you call your provider and they will shut off that phone for you, it’s just that simple. Again, I appear to have wandered off in a tangent, let’s get back to Nextel, shall we?

The co-owner of our company has now called Nextel and is talking to a customer service rep. She explains the situation and is now waiting for the rep to reply with the customary “no problem ma’am, we’ll get those shut off for you right away”. (Did I mention that she has called them several times over the last month to get these shut off to no avail? I didn’t, did I? Well she did.) So, she is waiting for the customer service rep to confirm the shut off when from the other end of the phone she hears, “I’m sorry ma’am, we can’t shut those off, they are still being used!!!!!!!”

UTTER SILENCE

Chirp Chirp Chirp

TOTAL AWE STRICKEN SILENCE

Chirp Chirp Chirp

MORE OF THE SAME!

Idiocy levels have just achieved maximum overdrive. People for miles around the area of this phone call have suddenly, with no explanation, found it impossible to do the easiest of tasks!

OF COURSE THEY ARE STILL BEING USED DUMB ASS! What do you think that they kept them for? To use as pencils? Perhaps they would make great paper weights? How about sticking them under that short leg on your desk to keep it from wobbling? WHY DO YOU THINK WE NEED TO TURN THEM OFF FOR? Because these people have kept our property and are not using them? Really, is Nextel concerned that we may inconvenience the thieves but disrupting their service? I can see it now, phone rings, “Good afternoon, this is Nextel, how may I assist you?”

“You dumb asses cut off my service”

“I do apologize for that sir, could I have your number?”

“I don’t know what the number is, I stole the damn thing, and I can’t believe you people had the nerve to disconnect me, I was in the middle of an important call with my crack dealer and you just fucked up the whole deal!”

“Sir, I do apologize for the inconvenience, let me transfer you over to our platinum service department so that we can get that turned back on right away. It was probably the original owners of that phone that had it turned off, the nerve, we’ll get it turned back on and double bill them for your inconvenience. I hope you are still able to get your crack. Hold Please.”

Alrighty then, enter the supervisor.

(dum dum dum)

Now we’ll get this taken care of! Supervisor hits the case and has everything explained to him and he waves his magic wand and TADA, the idiocy level rises even further! WTF? The supervisor explains how they can’t just take her word for it that they are stolen, he needs more proof than the owner of the phones calling in to report them stolen, and after all, they are still being used!

Oh hell no, you gotta be kidding me right? He needs more proof! Like what? A fucking picture of the owner standing there without the phones? Perhaps a witness statement or two explaining how they don’t see the owner with the phones in their possession? Will Nextel send out an investigative team to search the owner’s home, place of business, friends and family to see if the phones are hiding? And if they do, how do they know that we just haven’t put them in a bag and hidden them under a rock down by the river?

Irregardless, she decides to continue to play their game, after all, the company is paying for radios that we no longer have possession of. Two of the afore mentioned idiots that we had hired now have a restraining order placed against them, as they had decided it would be wise to harass our clients. Don’t ask, the government says that we can only drop your IQ by so many points per rant or we get fined. So, she sends them a copy of this form to show that these people are no longer working for us and are indeed, not even allowed near us or our clients.

(WARNING: idiocy levels continue to rise, if you are currently feeling giddy, or are unable to comprehend what you are reading; it is recommended that you stop reading now until your IQ recovers enough for you to continue.)

The great and terrible supervisor of Nextel reports to her that this form won’t work. Why? Glad you asked. Because the restraining order does not mention that these people have out Nextel radios!

WHY DO WE HAVE TO PROVE THAT THESE DAMN THINGS ARE STOLEN FOR IN THE FIRST PLACE? And since when is anyone concerned about disrupting a thief’s service on his stolen Nextel anyways?

This is where we stand now in this continuing saga. More to come, I am sure.

Score – Idiots: 6 free Nextel’s with service, Nextel: Continued payment on radios we don’t have. (Getting richer) Us: screwed, just screwed! And dumber for having dealt with Nextel to begin with!

Today I deleted 332 e-mails from companies selling everything from Viagra to new home loans! Out of those 332 e-mails, not one had anything that I would be interested in! I don’t have the worlds largest penis, but I don’t need enlargement. I have never expressed any desire to cum like a pornstar, a elephant or a chimpanzee in heat. I don’t need Viagra, thank you very much and I am married so you can keep the women in my area!

Of course, you gotta love their tactics. Things like: “I talked to your girlfriend/wife the other day and she said that she is still unhappy with the size of your manhood!” Hehehehehe! Yeah, you got me sold now, I am going to rush right on over to your site, you slobbering, spamming piece of shit! I have been married to the same woman for 23 years and I don’t ever remember her calling you up to complain about my cock! And she has never told me that I need to try the Penis Launcher Patch that you are trying to get me to buy!

SHEESH!

What is wrong with these people anyways? How about all the e-mails from E-bay and Paypal and (Insert Bank or Financial Institution Name Here)? Do these idiots really think that people are going to fall for their crap? If you fall for one of these scams then you deserve what ever happens to you! Come on people, if you look at the link these bottom dwelling, penis wrinkle, scum sucking, brainless excuses for life sent to you, you would notice that even though the text says E-bay or Paypal or (Insert Bank or Financial Institution Name Here), when you put your mouse over it to click on it, it will show you some crap like: www.google.com/url?sa=X&oi=dict&q=http://ool-182c15c9. dyn.optonline.net:82/fraud/webscrr/index.php!!!!!!!!!! Now do you honestly think that the good folks at Paypal.com actually use that as their verification URL instead of, ummm, say paypal.com?

Now, you know people are falling for these scams, they have to be, why else would I get at least 10 of them a day in my e-mail box? If people aren’t falling for them, then these idiots really need to find a new hobby!

Think about it, you just got an e-mail saying that (Insert Bank or Financial Institution Name Here) has just put your account on suspension for security reasons and that you need to click here to verify your information! Oh my God! What are you going to do? Panic? Click that button? Now really think folks. Is your bank going to send you an e-mail telling you this? Not to mention, I have received dozens of these and they have yet to put my real banks name on the e-mail! Hehehehe, the E-bay and Paypal ones always come in under accounts that aren’t using either of those companies etc, etc! Scammers are idiots!

If you really want to have a good laugh at the stupidity of these scammers visit: scamorama.com I love this site! This guy rips them apart!

Well that’s my rant for now, I have to run, I just got an e-mail saying that I won the International Lottery! WooHoo, I don’t even remember entering it, how lucky can you get!

Barry

OK, call Best Buy again and tell them that thier pussy, overpaid, lazy ass, dont want to work repairman needs to get his ass back out here and fix our fucking TV, told that we need to schedule another appointment. You gotta be kidding, I have now lost a days worth of work for this? All Right, deep breath, make call. Upon calling Worst Buy to reschedule I am told that they will not be sending anyone out because our TV is roach infested!!!! What the hell? Where did this shit come from! I explain that this is bull shit and that thier brain drain repair person said that it was full of rat shit, not roaches and that it doesnt have either and that the three scary evil mouse droppings have been vacumed up for thier protection. So I want you to send me a new TV repairfuck and he had better bring a supervisor with him to verify that the evil TV will not harm him and is feces/bug free. (The supervisor could also provide backup should the TV attack)! I get them to set an appointment for the next week.

Flash forward to next week. I wait for about a half a day for repairdick and his supervisor before making a call to Jest Buy to find out where they are, to be told that no one is going to be coming out!!!!!!! OH HELL NO! Why? Because the TV is roach infested and they will not work on it. What the hell is these peoples problem? I again explain that there is no infestation issue and that was the whole purpose of two people coming out, so that one could verify that the TV was bug free and the other one could fix the damn thing. The grinning idiot on the other end appologizes over and over again like the idiot she is for the mix up. I ask when they are going to get out here to fix my TV and am told that they won't be out today, I need to set up another appointment for next week! WHAT? This has got to be a fucking joke! I can't believe my ears, but, I set up another appointment and remind them that a supervisor needs to come out with the TV repairinvalid. I am assured that a Supervisor will come with them and the appointment is set. Another day of work has been lost.

Flash forward to the next week. TV Repairdickhead arrives, alone, and enters our house. He goes to the TV, removes the back cover (just a few screws), replaces the back cover (keeping a couple of screws for himself), looks at us and says, I can't work on this, it is full of roaches! And another TV repairtwat runs fearing for his life from our home. No fucking way could this be happening! I remove the back cover from the damn cursed TV set to observe said infestation first hand and I look, and I look, and I find to my horror...one little bug leg laying on the floor of the TV set. I have no fucking idea who's leg this is, could be a roach, could be a beetle, could be fucking Jimminy the Crickets leg for all I know, but there is one thing I do know, ONE BUG LEG DOES NOT AN INFESTATION MAKE! Is fucking Best Buy hiring fucxking entomologist's to repair thier TV's for them? How in the hell do these guys know, based on one fucking leg that, a: there is an infestation and, b: that said leg is owned by a particular species of insect! Oh yeah, DID I JUST LOSE ANOTHER DAY OF PAY BECAUSE OF THESE ASSHOLES?
SCORE: ME - Negative $400.00 and still a broke ass TV, Best Buy - " Grand Piece of Shit " Champions!
Fuck these assholes, they could'nt repair thier way out of a wet paper bag! Calling a real TV repair company!

UPDATE: For those of you that have kept score on this whole fiassco, I called a local TV shop, it was picked up the same day, and I was told that it would be fixed in about 2 days. Not one mention (believe me, I asked) of roach or rat infestation, hmmmmmmmmmm. Kind of makes you wonder don't it? BEST BUY, YEAH YOU, GET RID OF YOUR CONTRACT WITH WHOEVER IT IS THAT YOU USE TO REPAIR TV's IN COLORADO! THEY ARE HURTING YOUR BUSSINESS! AND I BET YOU GOT CHARGED EACH TIME THOSE IDIOTS CAME TO MY HOUSE DID'NT YOU?