From Loyal Customer to Abandoned Victim
For over 8 years, I placed my family’s security in State Farm’s hands. I wasn’t just a
policyholder—I was a believer. Each premium payment represented my commitment to
protecting what I cherished most: my family’s future. I invested in comprehensive coverage
with substantial limits—uninsured motorist protection of $100,000/$300,000—not as an
extravagance, but as a sacred promise between my family and a company I trusted. I slept
soundly knowing that if disaster struck, State Farm would honor their end of our covenant.
That faith was shattered in an instant on Interstate 10 near Marianna, Florida.
The Moment Everything Changed: A Life Divided in Two
There is a distinct line in my life: before and after that tire came crashing through my
windshield.
I still hear the sound in my nightmares—the deafening impact as the heavy equipment tire
from a Webber Infrastructure Management tractor mower exploded through my windshield
at highway speed. One moment, I was driving my cherished 2014 Cadillac CTS, thinking
about getting home to my wife and children. The next, I was surrounded by shattered glass,
blinding pain, and the terrifying realization that something was very wrong with my body
and mind.
The world spun around me as first responders arrived. Through the fog of what I would later
learn was a traumatic brain injury, one thought provided comfort: “At least I’m fully insured.
At least State Farm will help make this right.”
I couldn’t have been more devastatingly wrong.
The Calculated Betrayal: State Farm’s Systematic Denial Strategy
What followed wasn’t the support I had paid for—it was a meticulously orchestrated
campaign to minimize my claim and maximize my suffering:
Delay as Weapon: Every day that State Farm “needed more information” was another day
my family sank deeper into financial quicksand. Medical bills arrived with threatening red
stamps while State Farm representatives assured me they were “processing my claim.”
Devaluation as Policy: My Cadillac—a vehicle with years of reliable service ahead—was
hastily declared a total loss and valued at a mere $8,904.00, a fraction of its true worth and
replacement cost. When I questioned this, I was treated as though I was trying to commit
fraud rather than receive fair compensation.
Denial as Strategy: Despite my comprehensive coverage with substantial limits, State Farm
arbitrarily capped my medical payments at $5,000—a drop in the ocean compared to the
$36,000 in medical expenses I’ve been forced to pay out-of-pocket for treatments directly
related to the accident.
Deception as Practice: They misapplied Florida No-Fault Act rules to my Alabama policy—
a legal sleight of hand designed to minimize their financial responsibility while my family’s
security crumbled.
Abandonment as Protocol: Perhaps most egregiously, State Farm refused to pursue
subrogation against Webber Infrastructure Management—the very company whose
equipment caused this nightmare. Even after I provided State Farm with Webber’s $2
million liability policy, my name, and my claim number, they refused to take action.
Webber’s negligence was clear: their tractor mower, while cutting grass on I-10, mowed
over a massive tire debris and, by improperly raising the blade toward traffic, launched that
deadly tire directly at my car. I was boxed in—semi-truck on my right, cars behind, and a
bridge overpass ahead—leaving me no escape. State Farm’s refusal to go after Webber’s
liability coverage, despite all the evidence and opportunity, revealed their true allegiance:
not to their policyholder, but to their bottom line.
When I requested the telematics data from their Drive Safe & Save program—data that
would have supported my account of the accident—they refused. When I needed my
vehicle towed to a location that would serve my family’s needs, they refused. At every turn,
the company I had faithfully paid to protect me became my most formidable adversary.
The Human Cost: Beyond Dollars and Cents
The betrayal by State Farm cascaded through every aspect of my life, creating wounds far
deeper than those from the accident itself:
My career as an AI developer and software engineer—work that demands cognitive
clarity—has been compromised by the traumatic brain injury and the constant stress of
fighting an insurance giant while trying to heal.
My wife—a published author with dreams of launching her own makeup line—has watched
her ambitions wither as she’s been forced to become my caregiver, advocate, and the
family’s emotional anchor.
My children—Trell (27), BJ (25), Kristin(19), Serenity(11), and Miri (10)—and my grandkids
have had to witness their father/grandfather, once their rock, struggle with pain, cognitive
challenges, and the crushing weight of injustice. The younger ones ask questions I cannot
answer: “Why won’t they help you, Dad? Isn’t that what insurance is for?” Also, my step son
Solo moved from up north to come help out with his grandmother’s ongoing health issues,
mom’s (my wife’s) seizures cause they had started backup regularly.
If this burden wasn’t enough, during this same period, my mother-in-law’s health
deteriorated dramatically. The hospital’s negligent care mistreated her, refusing to get her
proper treatment, not to mention the hospital dropped my mother-in-law and broke her hip
on the same side her leg was amputated below her knee. Two weeks later, they had to cut
AGAIN because of an infection. IMMEDIATELY surgery took place after her femur bone was
broken, leaving her with a metal rod in her hip. She is currently 75 years old and has been
on dialysis for the past 8 years with a host of other life-altering illnesses. Lawyers are
SCARED to go against big giants like STATE FARM, who think they’re UNTOUCHABLE…
NEWS FLASH… IF US CITIZENS DON’T STAND UP TO FIGHT TOGETHER, WE ALL WON’T
HAVE ANY RIGHTS LEFT, FOR YOU-KIDS-GRANDKIDS. It forced me to become her advocate
too, fighting on yet another front while my own body and spirit were under siege.
Rising From the Ashes: Not My First Battle Against Injustice
This is not the first time I’ve faced a system designed to crush the individual. I spent 36
months in prison due to what can only be described as a corrupt judicial process—a dark
chapter that taught me how powerful institutions can destroy lives without accountability.
After my release, I rebuilt my life brick by brick. I developed expertise in artificial
intelligence and software engineering. I created stability for my family. I became a provider,
a protector, a man who kept his promises.
Now State Farm’s callous betrayal threatens to unravel everything I’ve fought to rebuild.
My attorney eventually withdrew from the case, overwhelmed by State Farm’s relentless
stonewalling and refusal to make reasonable offers. Left to navigate this complex battle
alone, I filed a formal complaint with the Alabama Department of Insurance—another
system that moves with glacial indifference to the suffering of ordinary citizens.
More Than a Claim Number: I Am a Human Being
What State Farm fails to comprehend is that behind policy #XXXXXXX is a human being
with dreams, responsibilities, and a family who depends on him.
I am a husband who wants to support his wife’s creative aspirations.
I am a father to five children who look to me for security and example.
I am a son-in-law fighting for dignified medical care.
I am a professional whose cognitive abilities—my most valuable asset—have been
compromised.
I am a citizen who believed in the system of insurance as protection, not predation.
The accident didn’t just shatter my windshield—it threatened to shatter the future I’ve
worked so hard to build. Every denied claim, every dismissive email, every condescending
phone call was another blow to a family already struggling to stay afloat in the wake of
trauma.
The Fight for Justice: One Man Against a Corporate Giant
I refuse to become another statistic, another claim closed without proper compensation,
another victim silenced by corporate might. My battle with State Farm transcends money—
it’s about fundamental accountability and exposing a system that profits from promises it
never intends to keep.
The $36,000 in out-of-pocket medical expenses represents more than dollars—it
represents treatments I needed but had to choose between paying for and putting food on
my family’s table. It represents the physical therapy sessions that might have restored more
function. It represents the specialist consultations that might have provided more answers.
By sharing my testimony, I aim to illuminate these predatory practices and perhaps spare
others from experiencing what my family has endured. Insurance giants like State Farm
operate in shadows, banking on the exhaustion and surrender of their policyholders when
the fight becomes too costly, too complex, too consuming.
But I will not surrender. Too much hangs in the balance—not just for my family, but for every
policyholder who might face this same betrayal tomorrow.
A Demand for Accountability: The System Must Change
To State Farm executives: Your customers are not abstract entries in a profit-and-loss
statement. We are human beings who trusted you with our security and peace of mind.
When we paid our premiums faithfully, we weren’t making donations—we were securing
promises that you have broken.
To insurance regulators: The industry you oversee has lost its moral compass. When
companies can systematically deny valid claims, delay payments until families are
financially devastated, and suffer no meaningful consequences, the system is
fundamentally broken.
To fellow policyholders: Document everything. Question every denial. Know that when they
say “we’re here to help,” what they often mean is “we’re here to protect our shareholders.”
The fine print they count on you not reading is the very text that will be used to deny you
when you’re at your most vulnerable.
From Testimony to Action: My Pledge
This testimony is not merely a record of injustice—it is a call to action. I stand before you
not just as a victim of corporate callousness, but as an advocate for systemic change.
I will continue this fight—not just for the compensation my family deserves, but for
transparency and reform in an industry that has lost sight of its fundamental purpose. I will
speak truth to power until State Farm honors its obligations and until the insurance
industry remembers that its first duty is to protect the vulnerable, not profit from their
misfortune.
My story continues to unfold, but I will not be silenced. I will not be worn down. I will not
accept that this is simply “how the system works.”
Because a system that works this way doesn’t work at all.
This is my testimony. This is my truth. This is my promise to hold accountable those who
betrayed their most sacred obligation: to be there when disaster strikes.
The tire that came through my windshield nearly took my life.
I will not let State Farm take my dignity.
I am sharing my story to hold @StateFarm accountable for their refusal to honor their
obligations. I hope @ConsumerReports, @ProPublica, and @JusticeForConsumers will
help shine a light on these practices. @NAIC @AlabamaDepartmentOfInsurance, please
investigate!
Construction Flags in background orange
I can deal with someone making a mistake-it can be fixed-some way- some how, but when someone tell you to your face-I TOOK THAT WHAT-WHAT CAN YOU DO- I DON’T FIGHT-I PRESENT, and that’s what hurts the most. After years of loyalty and consistent payments, I’ve recently uncovered troubling information about how my insurance claim has been handled by State Farm. Despite having a policy with substantial coverage, my claim was denied based on changes and decisions made behind the scenes, that unfairly limited my medical benefits and undervalued my totaled vehicle.
Important evidence, including official accident reports and telematics data from their own monitoring program, was dismissed or withheld, trying tomake it nearly impossible to get a fair resolution. This experience has been frustrating and disheartening, especially after trusting State Farm for so long.
I share this not to cast blame but to raise awareness about the challenges many face when dealing with insurance companies after serious accidents. I remain committed to seeking justice and a fair outcome.
Thank you to everyone who has supported me through this difficult journey. I will continue to keep you updated as things progress.
