Insurance Fraud

It's what Truck Insurance Exchange does for a living...

Sixty-year-old Ethel Adams was driving along, minding her own business, when the accident happened. Pay attention to that word 'accident', because it'll be real important, later on.

So, she's driving along, doing her job as a delivery person for a dental lab.

Unbeknownst to her, Michael R. Testa is angry at his girlfriend. So angry, in fact, that he is attempting to run his girlfriend off the road. He hits the girl's pickup truck and she is knocked clear across the center line into the southbound lanes. Four other cars were involved in the crash and the pickup crashed directly into Ethel Adams Hyundai. She sustains seventeen broken bones, a collapsed lung, and spent nine days in a coma.

Testa, the jackass who fomented this travesty, pleaded guilty to two crimes - domestic-violence assault for hitting his girlfriend, and vehicular assault for causing the accident. He's expected to get up to 12 years.

Nobody disputes any of the facts, except one teensy-weensy thing... the nice folks at Truck Insurance Exchange (A division of Farmer's Insurance) are refusing to pay a penny of insurance to Ethel Adams, despite her two million dollars worth of coverage.

Here's where these Mother Truckers part ways with reality. They say it wasn't an accident — These scum-sucking whores interpret the law which says an intentional crime is NOT an accident and therefore they don't have to pay.

Now, anyone can see that the schmuck who went after his girlfriend was engaged in an intentional assault - the usurance company seems to want to conveniently ignore this simple truth - TESTA DID NOT INTEND HARM TO MS.ADAMS. Her presence and involvement in this mess was entirely coincidental, a condition that makes the company's tack all-the-more petty.

If he did not bear intent, it was (wait for it...) AN ACCIDENT! Something a blind kindergarten student's seeing eye dog could ascertain with little difficulty — but an insurance company, with veritable corridors of shysters and bureaucrats will parse until they can walk away Scott-free with the premiums, leaving Ethel Adams and god-knows-how-many others in their snail-slime wake.

These are the kind of companies whose Agents and adjusters should be strapped to the front end of a very large truck and driven through Los Angeles' rush hour until they can actually explain the meaning of the word 'accident'.

They should be ashamed.

POSTSCRIPT: It appears that thay were not entirely immune from public outcry - In a release dated October 19th, the Farmers Insurance Company has stated that they will offer settlement to Ms. Adams. Apparently the concept of shame is not without its positive side effects.