Rodney D Young in Waco, Texas with Reviews - YP.com
03/28/2014
By: Thyone M.
National Lloyds American Summit Insurance Companies
My wife is a policy holder of American Summit Insurance Company in Yuma, Arizona. Her policy is purchased through Schofield/Pancrazzi Insurance Company and they are utilizie National Lloyd's Insurance going directly to American Summit for the underwriting if this is the ctual process. All we do know is we are the beginning and American Summit is the final end where the money ends up at. She filed a claim for damages due to water damages. They paid just over $800.00 for damages which to date have exceeded $4000.00 for repair. Next, tyhe roof damages paid were $122.00 when the estimate was files in excess od $7800.00. Then there was the bathroom floor where the toilet was going through the floor and we received $600.00 but I paid out an actual $1500.00 to date and that is not the final amount yet. This is all due to the agent Angie Duran from National Lloyds in Phoenix, Az. Her email is, aduran@natlloyds.com, . Instead of honoring the contract, she literally altered the policy holder information to claim the actual policy holder was not insured, yet, the policy holder was, is and shall remain the sole owner for this property datad 2007, but was owner since 1999. It is shown on paper that the policy owner just came into ownership as of August 2013. This constitutes Insurance Fraud and now, the officers from American Summit Insurance will be held liable for thopse who are the acting agents rfor these policies. We have all documentation and there is no possibility of American Summit gaining victory. My wife, the policy holder is 100% permanantly and totally disabled. We do not need to exhaust all remedies in lower courts prior to filing in U.S. District Court as we are protected under the Americans with Disabilities Acts, and the Disabilities Rights Acts. I urge you all to seek another avenue for insurance as this company is a company of fraud and felonious actions. If you want to know who I am, Bryan Bernard, 928.271.1683, thyone_mornyngstarr@yahoo.com.
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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