I'd had one of those days; you probably can't understand because I've been doing this long enough that like Oreo I've had just about enough some days. Not with my clients mind you, but with the insurance adjusters who could care less about people and more about some stupid inane corporate policy, that  they get a bonus to blindly apply.

Thirty long years and you begin to despise these people who work in claim's departments in the insurance industry. They are vermon, dispicable morons  without a soul, a heart, a conscience or a heart.

Okay but I'm getting away from my main point which is that on this day I felt compelled to write this letter to the morons in California at Workmens. I've redacted the actual names but the rest is pretty much what I wrote.

January 26, 2011

Workmen's Auto Insurance Company

PO Box 54845

Los Angeles, CA 90054-0845

• Attention: Four idiot adjusters with not a lick of common sense.
• Insured: Some stupid working stiff
• Claimant: My client
• DL: 8/12/2009

Dear Adjusters: [Note I had to name five different adjusters.]

Find enclosed an affidavit showing the market value of my client's car when your insured smashed into it totaling it and injuring her. Also enclosed is the bill for towing, a copy of the title, the Driver’s Exchange Information Form and the license renewal sheet. Your company failed to settle this claim for the past 532 days. According to Iowa law my client is entitled to loss of use damages. At $5.00/day times 532 days (as of 1/26/2011) this would equal $2,660.00. If a jury would award $10.00/day the amount would total $5,320.00. At $20.00/day, that amount most rental companies would assign to loss of use the amount would be $10,640.00. If I file this action the offer at $5.00/day is withdrawn. I think you get the picture.

If you write a check today and mail it to my office, please note my address on the letterhead, we will close out the property damage portion of this case.

License/Title:                      $     35.00

Car's Market Value:             $   6,500.00

Towing:                              $     68.90

Loss of Use:                        $  2,660.00

Total:                                  $  9,263.90

I do note that on October 23, 2010 I wrote to Adjuster R_____ at this address. He too choose to ignore my letter so I haven't much hope you'll do anything different except quote me insurance company policy; you know the same policy that promotes you keeping the float to the detriment of your insured and the claimant. I wonder if a bad faith case to disgorge not-so-Great American Insurance Company of its ill-gotten profits would get the attention of the head of the claim's department. He seems to be ignoring my phone calls and an invitation to join us here in sub-zero Iowa might just wake him from his slumber.  Let me know if you need a suggestion as to where to buy a down jacket.

You've got a few days before I file suit and send out the invitations.

Very truly yours,

Stephen D. Lombardi

cc: Client

*So why did it take these morons over 500 days to settle on the property damage? Well they cut the check and then mailed it to the wrong address. Is this a part of corporate policy that promotes the float or is it just a snafu? You be the judge.