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Might as well be uninsured! Liars, Manipulators!
Posted by Mmksmu on 08/06/2012
STAY AWAY STAY AWAY STAY AWAY!!! I don't know what kind of shady gig the dimwits at Safeco are running, but my patience with you and your company's nonsense has run out!!! I filed a claim with Safeco after a tile piece fell off the bottom of the kitchen cabinet, revealing water damage. My dad talked to the adjuster THAT DAY, who (the adjuster) proceeded to start questioning about how long it's been, my dad said he just noticed the leak and called to report. Later, my dad asked me to call the adjuster and talk to him to make sure he understood my dad correctly. I talked to him and told him we figure there is a leak b/c the tile fell off the base of the counters in the kitchen that day, and showed water damage. He started telling me that my dad told him he noticed the problem about 2 weeks ago. I asked where he got 2 weeks, he said that's what my dad told him. My dad was sitting right next to me during the conversation and said there was no mention of 2 weeks, there was no time frame given b/c there was no time frame, it was noticed and filed THAT DAY. How do I know there's a leak, if there's no visible seepage, there's no water, till one day the tile plunks onto the floor b/c the water unsealed the glue/cement that was holding it in place. Safeco says we need to call in a plumber and find the leak. Safeco sends in South River Restoration with some large fans to dry up the water to "prevent further damage" then they send in some third party adjusters, b/c Safeco doesn't have an office or reps in the Dallas/Ft. Worth area (where I live). They take pictures and say they'll send it to Safeco to assess. Safeco denies our claim...BASED ON PICTURES. Upon talking to the adjuster he says the claim was denied because it was existing damage. He claims the plumber told him the water has been leaking for months. Then he says the plumber told him 5-6 months. I called the plumber, he said there was never any mention of time. The adjuster struggled to answer my question, which was: "How do I know I have a leak if there are no signs of it, no signs of a problem, no visible standing water, until a tile piece falls off?" Do health insurance providers deny claims for cancer treatment b/c a patient was diagnosed months after it developed? No symptoms/no signs...no triggers for concern.
I couldn't understand why the adjuster kept pushing the 2 weeks from the beginning until our last conversation. The 2 weeks was a made up time frame to cover Safeco and prevent them from paying the claim b/c that would make it pre-existing damage. Seems like our claim was denied from the get-go.
I just received a letter from South River Restoration threatening to put a lien on my property if I don't pay the bill Safeco generated! South River Restoration was hired by Safeco, who suggested they come out and set up the dryers to dry up the water damage. I never had a say of yay or nay on this one. I wasn't asked and never agreed to working with them or having anyone set stuff up in my home. I was simply informed that it's the next step in the process and that's that. I didn't get to choose who I wanted to work with much-less who I was comfortable letting into my home. Now, did Safeco know that I would get stuck with the $960 bill? I sure didn't. That's about what I pay per year for my home insurance that offers about as much coverage as a post-it note on a rainy day! Then, low and behold, Safeco denies payment on South River Restoration's invoice! REALLY? Any good reason why? How do you call someone to tend to my property KNOWING you won't pay for the services? That's very considerate and shows how much I'm valued as a customer. My property damage claim was denied (based on pictures,) they don't pay people THEY hired...who Safeco KNEW wouldn't get paid, since they're the ones who decide what claims get approved and which ones are denied. In Safeco's case it seems like nothing is approved. How does an insurance company not have a branch in the city where they offer coverage? You send some third party appraisers to my home and base your assessment of my property claim on their pictures? Can you tell based on the pics if the water damage was 5-6 months worth or 2 weeks worth? How do you assess that? You couldn't make this up if you wanted to, but unfortunately it's my reality. I pay my premiums every month for what, to line the deep pockets of the imbeciles at Safeco? That gives me a warm and fuzzy feeling every month I see your name on my bank statement.
I figured a big insurance company is taking care of me, I'm in good hands...then I remembered-that's ALLSTATE's motto. Safeco's statement on the website reads "With Safeco, you get high-quality coverage, sensible advice and a helping hand." I wholeheartedly beg to differ! I think it's more along the lines of : With Safeco you get no coverage, lies, and a hand that slaps you square in the face in your dire time of need.
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Be Sure And File Against Safeco With Your State!!! It's Easy As Pie!!!
Posted by SafecoScrewed on 09/08/2009
LOS ANGELES, CALIFORNIA -- File complaints against SAFECO with your state's Department of Insurance, Financial Institutions and Professional Registration!!!! Google it and you'll link right to the department and can file an easy form online!

SAFECO is giving me the runaround as well! After being rear-ended and forced into another car...the accident was witnessed by two police officers and was clearly detailed in the police report, their client was issued a ticket, and even Safeco's own appraiser said it was obvious I was hit from behind and forced into the other vehicle, it has now been ONE MONTH and Safeco has YET to declare liability! They're still "undecided"!!!!!!

Now I'm broke...out of $4000 of savings I had one month ago and I'm now forced to pawn off all of the things most valuable to me, just to survive!

SAFECO has managed to destroy my life in a matter of days. And they couldn't care less!!!
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Posted by Sparticus on 2009-09-08:
A related story with a better outcome... We had our parked car hit by a Farmer's insured driver a few weeks ago. Fortunately the lady left her information. After filing a police report, we contacted their insurance company (Farmer's) and filed a claim. It was a Friday morning. By Monday they had an adjuster at our home evaluating the damage. Before he left he cut us check for an estimation of what repairs would cost so we could get it fixed right away. They also authorized a rental car for us during the repair time. The repairs ended up costing almost twice as much, and they actually went to the repair shop and cut them another check. We had the rental for 2 weeks.

We were pretty impressed with their level of service, especially since we were not their customer! Goes to show you that some insurance companies are a bit more caring than others.

Posted by Hugh_Jorgen on 2009-09-08:
Turn this over to your insurance company and let them fight this on your behalf. If need be, they will get your car fixed and then go sue Safeco if need be. Call your agent today! Good luck.
Posted by JR in Orlando on 2009-09-08:
This is the opposing insurance company and you expect Them to "care." This is business. Their job is to protect their insured. Your expectations are unreasonable. This is why you should have your own insurance to protect you, e.g. collision and med pay.

Their insured is probably saying that you stopped suddenly or that you ran into the car in front of you, which resulted in him hitting you. Safecos job is to please their customer, not you. I have seen many people get mad at their insurance company because their insurance company paid a claim when the people did not feel they were at fault.
Posted by JR in Orlando on 2009-09-08:
Sparticus: Thankfully you had a clear cut case of liability because your vehicle was parked. With moving vehicles it can be that the vehicle in front cut in on the back vehicle resulting in the collision or the front vehicle stopped quickly. Even if a ticket was issued, that does not mean that from a civil standpoint the insurance company may not dispute the liability.
Posted by skelly39 on 2009-09-08:
What is their reason for delaying payment? Is it a liability issue or a damages issue? In other words, is your vehicle a total and you think it is worth more than they do? If it's a liability issue, they have to give you a reason for being undecided.
Posted by Anonymous on 2009-09-08:
I'm not sure why you would want me to file a complaint against Safeco with my "state's Department of Insurance, Financial Institutions and Professional Registration!!!!" I don't think that will help your case at all, plus I have no dog in your fight.
Posted by PepperElf on 2009-09-08:
My dogs told me it'd be illegal to file a complaint against safeco cos I'd be committing fraud.

so the OP's dogs have to do the fighting for him.
Posted by aog119531 on 2011-11-28:
There must be a difference between issuing a check and sending one out. i was told a second check was issued Nov.23.(my first check arrived Nov.23, I cancelled it since it was issued Nov.07 {16 days later} [mind you i am being charged storage since the 9th at 45 dollars a day], Well anyway i call today and I was told it didn't even go out yet that due to the holidays it just went to accounting this afternoon(no guarantee that it will even ship out today.This is very unprofessional(mind you I have a Payment that's suppose to come out of my account for my monthly insurance payment, I bet you they wont be late taken it out........to bad its not there due to insufficient funds. I wish there was a negative rating to give .......
Posted by DebtorBasher on 2011-11-28:
Aog119531, if you look to the right of this review, there is the option to rate the company.
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SAFECO Adjusters unfair
Posted by SAFECO Adjusters unfair on 03/16/2009
Claim adjusters want to pay only $430 on my $2100 claim and will not use OEM parts. They want to use 3rd party parts. Is it not illegal for insurance companies to force you to use certain parts? Furthermore it has been almost a year since I filed my claim and they still refuse to pay. Safeco is the worst auto insurance
company to work with.
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Posted by Soaring Consumer on 2009-03-16:
You are entitled to original parts, not 3rd party parts that can compromise the safety of the vehicle.

Contact your state's insurance board and the National Insurance Crime Bureau.

Also, get a lawyer and sue for insurance fraud.
Posted by Anonymous on 2009-03-16:
How old is the truck? Chevy quit making the S-10 5 years ago, so I assume a $2100 claim is very close to, or beyond the value of the truck unless you bought one of the last ones made.
Posted by Anonymous on 2009-03-16:
It is not illegal to use third party parts. And they will be quick to tell you that. What they won't tell you is that after the repairs are complete, the vehicle has to be as good as before the accident. My auto body guy looked the adjustor in the eye and told him that he would install the third party bumper, but that afterwards he would measure it with a micrometer and point out to me where the fit was not uniform. He further pointed out that they would then have to get another bumper, and pay him and my rental a second time.

I got a brand new Toyota bumper.
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"Watch Out" Liberty Mutual Owns This Company
Posted by Dave Bagley on 02/18/2009
ARIZONA -- Please be aware that Liberty Mutual is being Sued by the state of New York for it's unfair denial of benefit by biased arbitrators. It seems as though this practice has moved past just medical benefits and has moved into auto and home insurance as well. Denial of benefits and coverage is Liberty Mutual's middle name. "Underbid and don't pay" is their motto. Please dump this Insurance company before you need them for something really important. Luckily my situation is a minor car repair (not my fault). That they won't pay to repair (Their responsibility). And not my house...

Please see all reviews against Liberty Mutual - too many to count. I feel sorry for those Safeco share holders, that was a very bad negotiation!!!!
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Posted by Yvonne savage 31 on 07/18/2013
I had a accident on May 23,2013. I made a claim . My car was repaired. Up to this present time I cannot get a live person to speak with. Adjuster won't return my call. I'm left. Hanging.
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Thumbs Down
Posted by Ronbowers on 01/31/2014
TUCSON, ARIZONA -- Involved in a 2 vehicle, non-injury?, collision.

Other party backed into the side of my vehicle. Other party said I struck them. They had 'safeco' for the auto insurance. I ended up dealing with six different telephone adjusters (Denver, Colorado) and the secretary to the president of the company.

the dent in my side panel exactly matches (9 inches wide and 1.5 inches deep) the other parties fender, when they backed into my vehicle at a 45 degree angle. It's impossible to have a 9 inch dent, if my vehicle was moving. at only one mile per hour= 17.52 inches per second, plus a 1/2 second reaction time (8.76 inches), and a calculated stopping distance of 2.5 inches, for total of 28.78 inches.

Based of depth of dent, the impact speed was between 8 to 14 miles per hour.

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Posted by Soaring Consumer on 2014-02-05:
It might be of benefit to hire an auto accident attorney. Many of them represent their clients on contingency.
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"Safeco--I Don't Think so!"
Posted by Aspelton on 11/16/2013
NEWBERRY, SOUTH CAROLINA -- Stay FAR away fro this corrupt (and I am being kind) company. I am a retired teacher in South Carolina with no claim history. I am socked with a huge premium increase with no notification. Was not aware of it because of their mistake (by their own admission, they accidently drafted my old amount from my account for 2 months).

When confronted with this all I received was the runaround. Don't waste your time with these idiots who obviously think their customers MIGHT have a 6th grade education. Even Jethro Bodine would have made more sense and been more sincere than the customer service reps here.

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Unable to Speak with Live Representative!
Posted by Fgalan27 on 11/09/2013
CAROL STREAM, ILLINOIS -- I received the invoice for my auto insurance. There were three addresses on it and nowhere did it indicate to which address I should send payment. Additionally there was no due date for the payment. WTF? Called Safeco (7 times) and finally figured out how to navigate their IVR system to get the payment address and actually speak to a representative.

The trick is not to press any keys when prompted to do so. It does take a while to get to actually speak with a representative. But I was finally able to actually do so. BTW pressing 0 does no good what so ever.
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Coverage Is a Joke
Posted by Wjpcrash on 06/04/2012
CORPUS CHRISTI, TEXAS -- I was hit by a 2x4 that fell out of a truck hitting me while I was riding down the road. The board broke 4 bones in my leg and foot. The truck did not stop. Safeco say this is not covered under hit and run because the truck did not hit me. I have lost 6 weeks of work and around 20,000 dollars. I have been with them for 4 years and have never missed a payment but when I need them they pull this. I recommend everyone look thru the fine print in your insurance and read what is not covered. You might find that you will be left hanging in the wind after an accident with no coverage.
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Posted by trmn8r on 2012-06-04:
One of the elements of "hit and run" in many jurisdictions is knowledge of the at fault driver of the accident. This driver may very well not of been aware of it.

To me, this comes under your comprehensive coverage, the same as if a tree branch fell on you.
Posted by ok4now on 2012-06-05:
Get yourself a good personal injury lawyer and demand compensation. As trmn8r correctly pointed out this comes under your comprehensive coverage. Don't let these toads get away with this.
Posted by CowboyFan on 2012-06-05:
Get an attorney. This seems like a factual issue along a scale of events: At one extreme, if a board is lying in the road and a motorcycle runs over it-no auto coverage; at the other extreme a board sticking over the side of a truck hits a motocyclist as he passes by -auto coverage. In between the issues would seem to be "did the momentum of the truck give force to the board, that it would not otherwise have had, i.e. a board falling off and bouncing at 60 miles has more force, than a board dropped straight down." If so, then there should be coverage because the truck provided force which injured the op or made those injuries worse. Also, many auto policies provide coverage for the loading and unloading of vehicles. This could be construed to be an injury resulting from the "unloading" of the truck, although in an unusual manner. That is why a lawyer is important.
Posted by RMCSUSNRET on 2012-09-30:
This is real easy. It is not covered. Do you just assume because you were riding your motorcycle that the policy should just pay? What if a plane had hit you? First thing I always tell people is to read your policy so you know what is covered and what is not covered.
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Unreal treatment by Safeco and it recommended Body Shop
Posted by Vnick on 04/04/2011
SEATTLE, WASHINGTON -- I have also been abused by Safeco and the body shop Safeco recommended. My car was involved in an accident that was no fault of my own as confirmed by Safeco. The body shop held my car for 53 days without any regards for my being without a car. The body shop only estimated and fixed body problems. The body shop contacted me on a Monday 45+ days into the repairs (?) and told me to come and pick up my vehicle on the following Thursday. When Thursday arrived the body called and explained that they had test drove my vehicle and found out that the radiator was damaged and I needed to pick it up on Monday. I went on Monday to pick up my vehicle and pay my deductible $500.00. Gerber collision never once told me their were any other concerns regarding my vehicle until I decided to look under the hood of my vehicle then the manager ran out to me and explained that I had a broken motor mount that was due to wear and tear on my 2006 Chrysler Pacific that was purchased in June of 2007. I contacted Safeco and they agreed with Gerber although Gerber Collision did not give me a written report that I have requested of them. I took my vehicle to a 2nd party repair shop and it was fixed after constant calling to Safeco and the Safeco adjuster trying to convince the 2nd party to agreed with their assessment/without justification from Gerber's verbal report. I also was informed of more mechanical damage to my car from the accident and the adjuster was adamantly claiming wear and tear on my vehicle struts which is totally out of the question of wear and tear. The 2nd repair shot sent Safeco their assessment. Safeco asked me for a 3rd opinion. I than asked for Safeco to contact their recommended body shop (Gerber Collision) to get the mechanical estimate of damage in written form so that the 1st(?) and 3rd opinion won't have the opportunity to get together and manipulate the situation. After all Gerber held my car for over 53 days. Carl the adjuster stated what if Gerber refuses to give a written account. I told him to send me a letter of their refusal and we could take it from there. I haven't heard back in 2 weeks now.
I now have my strut coming up through the hood of my car and the adjuster acts as though that is a normal occurrence. I am preparing my complaint for the Attorney Generals Office. I don't know what else I can do. If you have any suggesting please comment.
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Posted by Anonymous on 2011-04-04:
In Washington State, you are not required by law to obtain more than one estimate or appraisal.

You have the right to go to the repair shop of your choice. Your insurance company cannot require you to go to a particular shop. There are laws to prevent this in Washington State.

I would contact the Washington State Insurance Commissioner's office: www.insurance.wa.gov
They are quick and efficient in resolving any problems you are having with your insurance company. I live in WA and had to contact them once. I was very pleased with the outcome.

Let us know how it turns out.
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