The Case
This is the case of Grossi v. Rabel et al., case number GD-23- 007602, in the Court of Common Pleas of Allegheny County, Pennsylvania.
Introduction:
The story of Troy Grossi serves as a stark reminder of the potential challenges policyholders can face when dealing with insurance claims. Grossi alleges that Auto-Owners Insurance not only unreasonably denied coverage for his injuries sustained in a hit-and-run accident but also assigned a suspended attorney, Michael A. Rabel, to handle his case. This unsettling situation underscores the need for policyholders to be aware of bad faith conduct and take proactive steps to protect their interests. Let’s delve into the details of this case and explore the potential impact on readers, as well as strategies to avoid similar problems.
The Allegations: A Series of Mishandlings
Troy Grossi, an individual residing in Pennsylvania, found himself at odds with Auto-Owners Insurance following a hit-and-run incident. As a victim of the crash, Grossi suffered back injuries that eventually necessitated surgery. Seeking rightful compensation, he filed an insurance claim under his uninsured motorist coverage and his primary policy.
However, Grossi’s troubles escalated when he discovered that Auto-Owners Insurance had assigned Michael A. Rabel, a suspended attorney, to handle his case. Rabel’s past professional misconduct, including allegations of dishonesty, client abandonment, and deceit, raised serious concerns about the insurer’s selection process for claims administrators.
The Fallout: Negligence, Bad Faith, and Breach of Contract
In his complaint filed in the Allegheny County Court of Common Pleas, Grossi alleged that Auto-Owners Insurance demonstrated negligence by failing to engage knowledgeable and competent claims handlers. Moreover, they failed to provide proper supervision and training to those responsible for administering first-party claims.
Grossi’s complaint further asserted claims of bad faith and breach of contract. He argued that Auto-Owners Insurance was aware of Rabel’s disciplinary history and should have exercised caution before entrusting him with the management of insured claims. The allegation of bad faith arose from Auto-Owners Insurance’s purported failure to evaluate, investigate, and handle Grossi’s claim fairly, in accordance with the laws and regulations of Pennsylvania.
A Battle for Fair Compensation
As Grossi pursued his claim for compensation, he encountered multiple hurdles. Auto-Owners Insurance refused to cover him under the uninsured motorist policy, despite the hit-and-run nature of the accident. Additionally, when Grossi submitted his claim for $600,000 in medical expenses supported by extensive documentation and an expert report from his surgeon, Auto-Owners and Rabel made a shockingly low offer of just $35,000.
Grossi’s persistent efforts led to a minor increase in the offer, but it remained far below a reasonable valuation given the evidence presented. Rabel’s dismissal of the expert opinion and apparent attempts to delay the claims process only intensified the frustration experienced by Grossi.
Protecting Yourself: Key Strategies
- Diligently Research Insurance Providers: Prioritize thorough research when selecting an insurance company. Scrutinize customer reviews, ratings, and feedback to gauge their reputation and reliability. Consulting with an experienced insurance agent or attorney can provide valuable insights before making a final decision.
- Understand Policy Coverage and Limitations: Take the time to thoroughly read and comprehend your insurance policy. Pay close attention to coverage limits, deductibles, exclusions, and claim procedures. Seek clarification from your insurance provider if any terms or conditions are unclear.
- Assess Claims Handlers and Professionals: When faced with an insurance claim, inquire about the qualifications and track records of the professionals assigned to your case. Ensure that they possess the necessary expertise and integrity to handle your claim effectively.
A Call for Vigilance and Accountability
The unfortunate circumstances surrounding Troy Grossi’s claim against Auto-Owners Insurance and the involvement of a suspended attorney illustrate the need for policyholders to be vigilant. By understanding their policies, selecting reputable insurance providers, and carefully monitoring the handling of their claims, readers can protect themselves from potential bad faith conduct.
If you have encountered similar challenges or have insights to share, we encourage you to engage with this article by liking, commenting, and joining the discussion.
By Samuel Lopez | Legal News Contributor for USA Herald
