OTState Farm Insurance strikes again

paindonthurt

All-Conference
Apr 7, 2025
3,807
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No ****! You are arguing words. It is simple and you are making hard. I chose my deductible when I bought my policy. The claim was for 22K. I owed 2K and Farm Bureau owed 20K. Farm Bureau paid their part, and I negotiated with the roofer what I paid out of the 2K remaining and I negotiated that down to zero.
I certainly don't think its fraud, but i can assure you the contractor didn't "eat" it. He knows you can go shop around so he said "hey, ill do that for $20,000 and you won't have to pay out of pocket".

They guy made money and likely made a good percent of profit on his revenue. Happens all the time. Perfectly fine.

He didn't lose money though.
 

johnson86-1

All-Conference
Aug 22, 2012
14,324
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That is certainly not my experience. I didn't lose much at any of these stages because I have been fortunate enough to have plenty of clients over my career. But, courts in my jurisdictions do a very good job of dismissing claims that aren't proven. "Frivolous" is not a word used in the actual legal profession by defense or plaintiffs' bars, because it was originally ginned up by chambers of commerce to create bad PR for lawyers.
Or because it's not in their best interest for frivolous claims to be dismissed.

Do you practice? I'd be interested in where if so. I'm sure that some jurisdictions have judges that are more lax about dismissing lawsuits. I can assure you that is not the case in the 5th Circuit.
I'm sure federal district judges and magistrates are better about it. I'm sure it happens, but I can't recall a plaintiff outside of a commercial litigation setting trying to figure out a way to get to federal court.
 
Jul 5, 2020
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Again, do you practice? I'd like to know if your information is personal or anecdotal, or both.

I routinely opted for federal court where I practiced for the plaintiffs I represented, both commercial and individuals. Better jury pool on balance, better judiciary at the time, better docket management, better appellate review options, sometimes more convenient procedural rules and caselaw regarding experts, etc. There are plenty of reasons of which an everyday litigator would be familiar.

And I understand your cynicism about the "frivolous" thing being good for all lawyers, but I can assure you that most litigators can spot the weak cases they share and do their best to move them out of the system or to keep them from getting there in the first place. Where I am, your reputation is worth far more than your client load. I can't tell you how many potential clients I met with over the years and explained to them why they would probably lose a lawsuit if they filed. Most of my peers did the same.

I suspect that in Mississippi there are more shaky claims because there are a lot of lawyers and not many people, but I don't know that to be true. I do know that Mississippians have been inculcated to believe that lawsuits are trashy and illicit regardless of the subject matter. That is, until an individual Mississippian has incurred a loss. Then, it's a righteous endeavor. ;)
 

hatfieldms

All-Conference
Feb 20, 2008
8,637
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Oh
You deleted your knee-jerk post about Illinois not being mentioned.

It’s only the first 17ing word in the link description.

Your turn, oh great modular of board messaging.
Yeah but you could have put it in your subject title. Bitching about Illinois home insurance in Mississippi seems pointless
 

T-TownDawgg

All-Conference
Nov 4, 2015
4,595
4,381
113
Yeah but you could have put it in your subject title. Bitching about Illinois home insurance in Mississippi seems pointless
State Farm has been a shitttahow in MS even before Katrina.
Thanks for playing, though.
If this were a court case, my response to your objection:
“Your Honor, this 6-page circumstantial thread testimony speaks to a pattern of deceit and criminality by the defendant.”

“Mr. Hatfield, objection overruled-“
 

CDawg08

Sophomore
Oct 5, 2022
160
160
43
I certainly don't think its fraud, but i can assure you the contractor didn't "eat" it. He knows you can go shop around so he said "hey, ill do that for $20,000 and you won't have to pay out of pocket".

They guy made money and likely made a good percent of profit on his revenue. Happens all the time. Perfectly fine.

He didn't lose money though.
He would’ve committed actual fraud if he sent in a receipt stating he paid 22k when he only paid 20k. Never ever send any type of receipt that’s not on the up to an insurance company. When you do that they’ve got evidence and your dead in the water if they decided to pursue.
 
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