Hobart Ptu
map-marker Houston, Texas

Company won't respond

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After being involved in an accident with one of their policy holders, I couldn't get an adjuster to contact me for over 3 weeks, even after repeated and daily calling. I was given the runaround by each customer service representative saying they were forwarding my case with an urgent message to the adjuster's office. It didn't make a difference at all. So, here I am, almost a month after the accident with no car, medical bills and no one from their company to talk to. Beyond unprofessional and most definitely frustrating!
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Loss:
$40000
Cons:
  • Zero customer service

Preferred solution: A response from their company.

User's recommendation: Stay away and hope you don't have an accident with any of their policy holders.

Anonymous
map-marker Little Elm, Texas

Need Resolution Immediately!!

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I am writing to you regarding a claim with Aspen. Insurance and the adjuster assigned to the claim, Ms.

Ana Davis.

˘On July 18, 2023, I was backing out of a parking space at a small convenience store in my neighborhood and the insured with the previously mentioned insurance company struck my vehicle as he was pulling up to a gas pump. We both got out of our cars to examine the damage to the vehicles and I was struck down by the odor of marijuana on the insured persons (Fernando Gonzalez) body and breath, as well as his passenger (Luis Cruz - stated he was the insureds cousin)/. They were both very nervous and pacing, as they knew that they were going to be in a lot of trouble.

At that time, I called the police to come to the scene. I called the Little Elm, TX police department first and was told that it was not their territory and that I needed to call Frisco.

I then called the Frisco, TX department and was told that they were not in charge of that area either. As it turns out, we are in a small area of unincorporated Denton County, TX, so no police came to the scene to take statements. We all exchanged information.

The insured, Fernando Gonzalez then gave me his license and insurance information. He told me at that time that he would be contacting his insurance company to let them know what had happened.

I called Aspen (his insurance company) immediately on my return to my home. I gave my statement and was told that someone would be getting back to me in the next 7 business days.

Two days following the call I made to report the incident, I received a letter from Aspen with the claim number and the name of the adjuster. Her name is Ms. Ana Davis - phone number 469-312-**** (direct number).

To date, I have not heard from Ms Ana Davis.

I have sent multiple emails and left multiple voicemail messages, as well as had the person answering the phone at Aspen to send multiple messages to their supervisor for a response.

To date, I have not gotten a single response from anyone at Aspen Insurance Company.

I am writing to get some help.

I should not have to claim the accident on my own insurance when it was not me that was at fault, nor was I influenced by any drug or alcohol and behind the wheel causing others harm.

I would like to either speak with someone at your company to get this solved, or have a response of some kind letting know what the next steps are to get this situation taken care of, please. It has been a month and I would like to have my vehicle repaired.

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User's recommendation: DO NOT DO BUSINESS WITH THIS COMPANY!!

2 comments
Guest

I have her as an adj as well I filed a TDI complaint and she called. Their a very unorganized a piece of crap company.

Guest

It sounds like you were at fault. If you were backing up from being parked and he was driving through to a pump, you needed to make sure it was clear.

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Heather D Odn

It's a scam

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They took my money, held things in claims over a year before telling me there was a "bone and joint clause" which according to legitimate insurance companies is not a thing. I told the agent that sold me the policy my ANKLE WAS BROKEN at the time I purchased the policy and I needed it covered.

He LIED and said it would be covered. He DID NOT TELL ME that pre-existing conditions were excluded. They billed me for January AFTER I told them to cancel the policy, then would only refund 2 months of premiums, one of which was the January premium they weren't supposed to bill. Now I'm stuck with a bunch of bills I thought they had paid and they've taken me for over $3k.

Don't be scammed by this company, it should be illegal for them to operate in this country. I've already reported them to my state insurance board and state attorney general.

View full review
Loss:
$3570
Cons:
  • Claims
  • Scam

Preferred solution: Full refund

User's recommendation: DO NOT BUY ANYTHING FROM THEM

1 comment
Fionn Nap

Thank you for sharing your experience, I was looking for customer experiences with this company. Now I know I will NOT be purchasing their scam policy.

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Rafael Y
map-marker Chevy Chase, Maryland

Fraudulent activity of insurances destroys our Healthcare system

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Aspen Insurance - Fraudulent activity of insurances destroys our Healthcare system
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Aspen American Insurance Company (AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cyber security. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government. (AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cybersecurity. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government.
View full review
Loss:
$18000

Preferred solution: Full refund

User's recommendation: Demand health problems to be insured only by health insurances

1 comment
Rafael Y

PissedConsumer sent me email asking weather Aspen contacted me. No.This insurance demands "complete dental records" that none has but didn't provide me with the dentist's records, who is guilty for breaking my upper bridge.

At last, I received his records, which were written more than a month after the accident and , nevertheless, which contradict Aspen statement that I attended the dentist with a damaged upper bridge. I prepared questions related to these records for the dentist to answer and asked Aspen to send me his response. Aspen refused to do that. My case is elementary simple.

It is not connected with an infection, bones damage, etc. as a result of treatment. The dentist's assistant (whose name and qualifications were not provided) broke the bridge. A simple analogy is: a person, attended a grocery, fell down because of a wet floor and broke his leg.

It is absolutely clear that the administration is guilty. In my case, the situation is even simpler. Inability of the dentist to produce a workable denture in 3 weeks (according to the plan), multiple impression procedures and untrained assistant created the accident. However, Aspen created the story that I came with a damaged bridge (this is a lie not supported by any records).

Moreover. it demands me to present from a dental care provider that the dentist " had breached the standard of care, that any alleged breach…had caused any injury, and causally related any damages incurred by Dr. Yanushevsky.” The accident was created by his untrained assistant. The dentist was not even in the room.

I brought a conclusion of another dentist who cautiously classified the accident as negligence. But Aspen dislikes his word “by Dr. Yanushevsky recollection.” Everyone would write that –because nobody was a witness of the accident. I am trying to get the dentist's answers concerning his dental notes which would make all clear even for dummies.

I will try attract attention of media as well. I would be thankful if you could help me with that.

Anonymous
map-marker Chevy Chase, Maryland

Show why insurances as Aspen allow themselves to violate laws

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As I indicated earlier, the AAIC denies obvious dental claims by demanding "complete dental records," which nobody has. The law that requires to treat policyholders and claimants fairly is universal for all states. For example, in Maryland it prohibits actions which are "arbitrary and capricious, lacking in good faith." The AAIC operates in many states and its demand for claimants to present complete dental records is illegal since dentists dont require previous dental records and, moreover, states allow dentists to destroy their records after a certain period of time. Since nobody can satisfy this requirement, this allows the AAIC to deny claims. There is a small probability to reach a settlement without an experienced lawyer, so that in most cases the amount of money obtained by a claimant (especially, elderly claimants) isnt enough to pay for the required future dental treatment. Unfortunately, state insurance administrations allow the AAIC to violate this law. I asked Maryland Liability Commissioners Mr. Baron, Ms. Bailey to answer whether the demand of "complete dental records" violates the Maryland law. The came question was asked Ms. Hatchette, the Maryland Associate Commissioner on Consumer Education and Advocacy. They refused to answer this question. Finally, this question was presented to Mr. Beal, the CEO and Chief Legal Officer of the National Association of Insurance Commissioners. The same result. As it wisely noticed Mahatma Gandhi, Corruption and hypocrisy ought not to be inevitable product of democracy, as they undoubtedly are today. It is well known that insurers and lawyers are generous political donors. This explains the situation.
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User's recommendation: .My example of the AIAA demonstrates the need of new laws and regulations related to the health insurance industry.

Anonymous
map-marker Wilmington, North Carolina

Worst insurance company ever

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Ran up 14,000 in hospital bills, company refused any payment
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User's recommendation: Do not buy this insurance, complete fraud

Anonymous

Improve laws related to health liability insurances

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About 2 years I try to get money from the AAIC for the dental accident. I presented all documents, 3 panoramic films, another dentist conclusion, etc. But the AAIC is using an illegal trick to deny the claim - it demands complete dental records, which nobody has. I could present only what I had for 7 years. They forced me to attend several dentists but all was in vain. Asking my "complete" records they refused to give me my latest records- showing the reason of the accident. Only after 2 years they gave me them. The records justify my claim but the AAIC refused to answer related questions related to these records.
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Loss:
$20

Preferred solution: The AAIC should be prohibited to deal with the Health care

User's recommendation: Don't use this company. Contact your elected officials and demand to change laws related to insurances dealing with health care.

Anonymous
map-marker Chevy Chase, Maryland

Dishonesty and violation of elementary norms and laws

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Aspen American Insurance Company (AAIC), a subsidiary of Aspen Group, is a medical malpractice insurance provider . Aspen Insurance advertises itself as a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cyber security. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited. to deal with the areas where they have no experts. Write similar complaints to the local and federal government.
View full review

User's recommendation: Write complaints to the local and federal government

Insurance Expert Talks

Insurance Claims Tips: What Red Flags to Watch Out

Apr 23, 2021

Insurance claims, insurance fraud & why you might need a public adjuster. Watch our video interview with Vince Perri, CEO of Commercial Claims Show, get expert tips on how to file insurance claims and get the settlement.

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Vince Perri
Vince Perri

Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.

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