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Why should I accept liability if it wasn't my fault?
Posted by
LAS VEGAS -- I am a young driver, 19, but I have been with State Farm under my moms policy since I was 16, and she has been with State Farm for much much longer with several cars and her house on the policy. I had never had a major accident before and until now I would say that any dealings I have had with State Farm went in my favor and they were always very fair.
so anyway this is what happened, we were on a major street waiting to make a left turn from the turn lane onto a small side street. where we were making the left turn there was no stop sign or light, it was just one of the left turn medians. there were two lanes of oncoming traffic that were backed up to the next light so both cars left a gap and polietly waved us through. we were creeping around the corner halfway into our turn when we were hit. apparently a ford expedition had decided it was OK to cut across the traffic at the backed up light by using the right hand turn only lane, and in doing this he basically t-boned us on the passengers side, where I was seated. the side air bags deployed and we spun in a full circle across the street hitting another car and pulling them into the wreck, finally it ended when we went over the curb and hit a palm tree. luckily there was no major injuries to anyone, I suffered the most with a very badly bruised forearm and sore back. the guy in the ford expedition claimed full responsibility for the accident at the scene, it was pretty obvious the whole thing had been his fault...I mean he was going at least 40 mph, not paying attention, and cutting through a right turn only lane( by this I mean that there were two lanes designated as through traffic and the third lane was right turn only onto the side street we were turning on, but instead he went straight through the turn lane.) it was horrible but at least I thought, OK it was his fault totally everything will be good and my car will get repaired off of his policy. this was before I realized that the accident wasn't nearly as bad as dealing with the robots at State Farm, I say robots because they must not have any feelings at all. when we first made the claim no one would give us answers on how the process works and we got calls from so many different people we didn't know who was who, and no one at our agents office could give us any answers. then finally the guy at fault in the expedition adjusters got in touch with my mom because she is the main policy holder, by the way he has State Farm also. they told my mom that the accident was split 50 50 for liability and she demanded that was ridiculous. they were so rude to her and even yelled and hung up on her. this was before they even had the police report! we got the report ourselves because they said it would take them 2 weeks to get it. once they had the report which cited the ford with full liability and no one else with any citations they decided that he was 80% liable and I was 20%. my mom still did not accept this and asked if the woman had looked at the police report my mom faxed. Megan Nelson, the opposing cars State Farm adjuster, informed my mom very rudely that it didn't matter what the police report said and that her decision was final and that's all my mom would get and then hung up on her. my mom talked with several of his adjusters and each time they said they same thing, all were very rude people who were trying to manipulate her into agreeing to the 80 20 split, but she stood her ground and denied them. finally our adjuster call my mom, and she is a nice sweet lady who doesn't seem interested in fighting for our side at all. my mom told her, aren't you supposed to be trying to get us not to have liability? her response was I tried to get them to go 90 10, I even called a round table! but they wouldn't budge. she then explained to my mom that a round table is when all the adjusters on the case meet and they re-inact the accident with toy cars to determine who is at fault. am I the only one that thinks this sounds insane! a bunch of idiots sitting around a table playing with cars get to decide my financial fate? I can't believe this is common practice in this company.
so basically State Farm, will screw you over just because they think they can get away with it. I don't understand at all. me and the driver at fault have the same flippin insurance company! why did State Farm decide to back him up? why did they put all the hard hitting adjusters on his side and give me little mis sunshine? it makes them seem really stupid. isn't the reason I have insurance to be protected when I become a victim? but instead they victimize you more.
now I have an attorney talking to them since they wouldn't even talk with us after many times of being hung up on. it doesn't seem like they are going to budge though. They even sent us an $800 check, 80% of the $1000 deductible, without my moms consent to that deal. they were just hoping we would cash it so they could close they case, they are so sneaky! the sad part is if I had more injuries this could have been a case that went to court, but since I'm still walking, well its just not worth the attorney fees. so while my little hyundia accent sits totaled by that huge expedition in some junk yard I'm without a car and probably won't see much money to buy a new one, thanks a lot neighbor...I'm switching to Geico at least they have a cute lizard
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clutzycook on 04/19/2010:
I think this is where the lawyers get involved. You said you have a lawyer. Now it should be up to him or her to fight it out for you. Sorry if this means you're going to be without a car for a while. You might end up having to get a loan and purchase a new one and pay down the loan once you get a fair settlement. I only say this because it could take a couple of years to get this taken care of.
bcd on 04/19/2010:
Who was driving your car at the time of the accident?
spiderman2 on 04/19/2010:
http://ezinearticles.com/?Accident-Fault---How-Do-Claim-Adjusters-Determine-Liability?&id=756791 this may help explain why you are being held responsible for part of this accident. The other driver certainly bears the majority of the responsibility but you need to realize that you were proceeding through traffic when you did not have a clear view of where you were going. Never take another driver's word for it that the coast is clear if you cannot see for yourself. You also open yourself up to liability if you wave someone through and they get hit. Good luck to you.
Ytropious on 04/19/2010:
I've been in situations like that when 2 lanes of cars stop and leave a space for me to crawl through and I never just take their word for it, I make sure I can fully see before I gun it, even if that means holding up traffic that stopped to leave the hole.
katie_jane on 04/20/2010:
yes I agree that when you are turning left you should have a clear view and that is why we were barely creeping around the corner to make sure it was all good. anyway once I start to make the left turn I officially have the right away, this is what I have been told by my attorney. besides all that the police report clearly blames the fords driver for the entire accident, he was cited with 2 violations and the rest of us none, the insurance company isn't trying to be fair they are trying to manipulate us so that they can pay out the least amount possible. and this is just about the car, they haven't even offered anything for medical bills or pain and suffering. over although my main issue is that if I wasn't at fault according to the las vegas metropolitan police department then why should I take any liability and have my rates go up a ton, like I said I'm a young driver and just giving into taking 20% will affect me and my mom a lot.
Ytropious on 04/20/2010:
"once I start to make the left turn I officially have the right away"...yeah that depends, if you are making the turn illegally you are still liable for it. Also "pain and suffering" is not something you are likely entitled to at all. If you are still able to work and function and have not suffered a "loss" such as a loss of income or a loss of ability, you aren't really going to get any pain and suffering payment.
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Quick, and easy claims service for auto accident.....
Posted by
ST. CLOUD, MINNESOTA -- Hit a deer on the way to work one morning. Called State Farm agent to see what next step is. He referred me to a local bodyshop that is part of their repair program. I went to shop, they gave me a rental car, and said they would take care of the rest. State Farm paid for the rental, and all the repairs on my car. $2800 in damages to the right front corner. Everything was taken care of, and I paid my deductible of $250 to the shop when it was done. Shop even cleaned up the car, and did a detail on it, and said that it is part of their agreement with State Farm. The "team" that helped me on my claim was pretty quick in answering questions, and called me back within minutes of leaving a voicemail with a question about who I pay the deductible to. Really, no issues at all. Heck, my car looks better now than it did before the accident.
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trmn8r on 11/11/2011:
Glad to see your compliment. I have had two deer strikes while insured by State Farm (and a large tree limb that fell on my car), as well as being the vicim of a hit and run accident.
Each incident was handled efficiently and to my satisfaction. Great comment.
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"Good Neighbor", Huh!
Posted by
I have had State Farm Insurance on my autos since 1995. I also have a couple life policies and I used to also have health and home owners insurance. I recently placed a claim through my car insurance policy. I have not even had an adjuster assigned to my claim and I am already treated like a criminal. The claims representative that I had to deal with was not only rude but was accusing me of trying to put a claim through a policy that was not mine. I gave him the policy number thinking he was looking at the wrong screen and he reassured me that I was the one that was wrong. I told him I had my insurance card in front of me with my name on it and he told me I was wrong and that was not what he had on his screen. I cannot understand why I am being treated so rudely by my own insurance company. They never have a problem collecting my premiums or increasing my rates when they felt in need. Why should I pay an insurance company like State Farm to take my money on a monthly basis and then feel intimidated when you need to put a claim through. If this is how I am treated when placing an auto claim, I would hate to see how my relatives will be treated if they would unfortunately need to put a claim through one of our life insurance policies. I am so unhappy right now, I wish I would have invested all these years with a more reputable company. The ironic thing is that there slogan is "like a good neighbor, State Farm is there". I have had good neighbors and the customer service I received today was far from what they preach during there commercials.
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Venice09 on 10/08/2010:
The rep should have tried to figure out what was causing the discrepancy instead of accusing you. Was it finally resolved?
Anonymous on 10/09/2010:
Sounds like that claims adjuster is a real ass. I would contact state farm and tell them the way this employee is treating you, and that you are planning on canceling your policy after this claim is taken care of.
jktshff1 on 10/09/2010:
Talk to your agent.
Anonymous on 10/11/2010:
one bad phone rep and you hate the whole company? You should have disconnected the call and called back to get someone else or asked to escalate the call to a supervisor. Or as jkt said, go to your agent.
twixypeps on 10/19/2010:
There should be no reason a claim's adjuster should be rude to you, try to talk to someone else and file a complaint. I am on the other end and have had customers who don't want to resolve the problem, they just want someone to yell at, and I tend to shut down a little, so try to stay calm and get this done. Claims are never easy or fun, I've never dealt with one.
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Claim Processing Disaster
Posted by
BLOOMINGTON, IL, ILLINOIS -- I'm older and have been told I'm an insurance company's dream client: a high FICO score and a virtual claim-free past (one previous loss in 30 years). It the following can happen to me, it can happen to anyone. In March, I experienced a sewage back up in my home that cost $70,000 to repair. The SF policy coverage provided a maximum benefit of just $10,000. That, however, is not at issue - I knew that from the outset and accepted it. I attempted to contact my agent to discuss how to proceed, but she failed to call me back for nearly four weeks due to (quote) "personal issues." Ultimately, the SF claims representative sent me a check for $10,000. When I finally reached my agent, however, she told me that SF would cancel me if I cashed the check. Not wanting to be canceled and left without insurance, I held on to the check and sought other coverage over the course of several months. (During this period, the company called me several times, trying to force me to make a decision to send the check back or cash it.) I finally found alternative coverage with a good company and wrote my agent several emails asking her to cancel my SF policy. It took her nearly two weeks even to reply to my communications. (Note that the second company insured me knowing about my loss experience and I'm paying an annual fee equivalent to what I was paying - thus, so much for SF's claims of customer loyalty and support.) I finally wrote the SF president Edw. Rust a letter detailing my experiences. I subsequently received calls from not one but three SF representatives, all bent on justifying the company's actions and trying (obviously) to limit the PR damage. One called me back even after I left her an explicit message saying there was nothing to discuss. So . . . if you want to receive poor customer service from your agent and you want your company to cancel you after you experience two claimse (that were not due to your actions or inactions AND you rectified the source of the problem at your own cost), go with State Farm. Otherwise, run in the other direction.
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Anonymous on 07/20/2009:
Whoa... State Farm paid your claim. They didn't cancel your policy, you left voluntarily. Where's the beef?
It seems like your whole complaint is based on what the agent said, who by your own admission is somewhat of an idiot.
saj80 on 07/20/2009:
Not sure how long you have been holding the check, but you may want to check the expiration date. As Ken stated, your agent is an idiot; try talking to someone higher up at State Farm about them canceling you if you cash the check, as I don't believe this. Lastly, you may find other insurance a little expensive, even with one claim, but it may be worth it to have a better agent. While I'm not a State Farm fan, I wouldn't blame the company for the actions of a pinhead agent.
madconsumer on 07/20/2009:
I wonder what 'extra' work you were trying to get from them? 70k for a sewage issue seems out right extreme.
JDSmith on 07/21/2009:
I think your negative experience was the direct result of a bad agent.
My family has used State Farm for over 30 years, and have filed 3 claims against the homeowners policy in that time. Each claim was processed and paid promptly. Never an issue with processing the claim and never an increase in the rates.
Our agent and his office staff are family friends, and have always gone out of their way to help.
mrs1140 on 09/12/2009:
JD, sorry that our SF agents aren't family friends like yours. I believe you are in the minority. My SF agent is not running his office..his errand girls are and they are doing so poorly.
Learn from Stefano...when an agent doesn't provide customer service and doesn't return phone calls, it's time to replace the agent with one who cares. State Farm isn't what it used to be. I, too, am going to leave after 35 yrs.
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Robbery/Victim Treated As I Were The Robber/Perp
Posted by
TUCSON, ARIZONA -- My RV was broken into/severely damaged/valuables stolen while setting beside my home. State farm agent filed 3 claims, 1) RV insurance 2) homeowners ins 3) fire insurance. As of this date: my homeowners deductible has been raised to a 1% or 1,875.00. My vehicle history shows a total of $12,000.00 (Total of 3 claims) comprehensive claim. I tried to move one of the vehicles to farmers insurance, won't take me, the $12,000 claim made me not insurable. How can I be the victim of a robbery and destruction of property and be made the victim of the insurance company too...I have asked my agent..No response..Bad treatment..Bad result.. Something has to be available for me to do to correct this ...Help!!! Add insult to injury. Loss of RV use for 1 and 1/2 years, that's how long it took to get RV usable. Job was never finished, I am now finishing it myself out of pocket. Police have never found any one... they have fingerprints.
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Woodwalker75 on 04/09/2013:
I to was a victim of a home robbery and a victim of being a state farm client, they tried to make me out as the criminal as well and before my claim was even heard they were coming up with reasons they wouldn't be able to cover me! What was owed to me would have been cheaper than the business they will lose, I am telling my family, my friends and anyone that will listen DROP STATE FARM!!!!!! They do NOT stand behind their word or provide the service you pay for.
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Don't Use State Farm Insurance - They Drop You For 2 Claims
Posted by
Hate State Farm
Long story short - Snow knocked down part of my fence and I put in a claim. Since part of my fence was already leaning over and broken out of the ground, the wind took down the rest of the fence within a week due to support was gone. I called and told them and they were more than happy to open a new claim for the second part of the fence. Turns out, they drop you for 2 claims.
If I knew this then, I would of never let the claim representative make it into 2 claims. Now, I am not being renewed and the quotes I'm getting because of the 2 claims on my record are more than twice what I was paying.
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Anonymous on 02/15/2011:
Welcome to the wonderful world of Insurance and underwriters.
tnchuck100 on 02/15/2011:
Banks and laws require us to carry insurance. But if you ever use what you paid for you can't get it anymore at a decent price.
What it really amount to is the insurance company is going to "loan" you money to do the repairs. You are sure going to pay back every cent in raised premiums.
Weedwhacked on 02/15/2011:
Typical insurance company!
madconsumer on 02/15/2011:
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State Farm - Raise Rates After A Claim Is Made
Posted by
KANSAS CITY, MISSOURI -- I have been a CUSTOMER of STATE FARM for 32 YEARS, having had multiple policies for home, boat, several autos, etc. In that time, WE HAVE NEVER MADE A CLAIM ON ANY POLICY UNTIL THIS YEAR WHEN WE HAD A BURGALRY OF OUR HOME! Our claim was processed and paid - and then IMMEDIATELY following we received an INCREASE OF 25% in our homeowner's insurance premium. IT IS FRAUDULENT to allow the consumer to believe they are paying to be insured when in reality the company intends to get its money back from the customer should State Farm EVER have to pay money out on a claim.
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clutzycook on 08/20/2010:
That is how insurance companies operate. They are in the business to make money. When they have to pay out on a claim, they lose money. I'm not entirely sure, but I think that once a policyholder files a claim, their odds of filing another claim in a few years increases. Therefore, the policy holder is a greater risk to ensure, hence the increase in rates. I could be wrong on this, though and I hope someone corrects me on this if I am. Either way, it stinks for the policyholder. I'm in the same boat you are. I had a claim on a car accident last summer and my insurance went up $70/6mo. I filed a homeowner's claim for hail damage this year and I'm certain my premiums there will jump next year (not that they haven't constantly gone up every year since getting this policy).
grandma005 on 08/20/2010:
I have had State Farm Insurance on my home for ten years. I have never filed a claim on it. My insurance rate went up $150 this year anyway. Last year it went up $200. I am now paying $350.00 more and never filed a claim.
CaptainSpaulding on 08/20/2010:
From what I have heard, people all over the country are having their insurance policy premiums increased who have never filed claims and who have never been issued traffic tickets. This problem isn't limited to one insurance company... they're all doing it!
Weedwhacked on 08/20/2010:
It's actually not fraudulent. That's how insurance companies operate.
Anonymous on 08/20/2010:
My insurance has gone DOWN for two years in a row. I have Ameriprise through my Costco membership. Before that, our rates were also going up yearly with no claims or tickets.
Nohandle on 08/20/2010:
I had quite a costly claim filed with State Farm, a home burglary (B&E), and just felt at the time my insurance would probably either be cancelled or the premiums would skyrocket. Neither happened. I don't pretend to understand what goes on behind the scenes nor do I know squat about insurance. They are for profit for certain, since they are a for profit business, but I've not figured out yet their formula.
Can anyone on board explain why the OP experienced treatment so different from mine? Someone breaking into your home is bad enough but having to deal with additional charges for premiums because a claim was filed is too much in my book.
Anonymous on 08/20/2010:
Good question, Nohandle.
Anonymous on 08/20/2010:
My partner backed into someones car last year, and his rate also went up. that's how ALL insurance companies work. Sometimes its cheaper in the long run to just pay for the repairs yourself, if small enough of an accident.
clutzycook on 08/20/2010:
NH, how long ago was the claim made and how soon was it made in relation to your policy being renewed? If it was made just prior to your policy renewal and it hasn't been renewed since, stay tuned; it may not have caught up to you in the system. That happened to me last year with my car insurance claim. The claim was made in June/July, my policy renewed in September and the premium hadn't changed from my renewal in March. But, when I renewed 6 months later that's when my premium went up.
Singsing, I should look into that Ameriprise insurance. How are they service-wise?
Anonymous on 08/20/2010:
clutzycook, I don't know because we haven't had any claims. But, the fact that they are lowering our premiums every year is good service to me:) Much better than the insurance companies we've had in the past. Plus they throw in free locksmith service and towing.
clutzycook on 08/20/2010:
Hmm, I'll have to look into it. Our homeowners just got renewed and our car insurance isn't too far behind. Maybe next summer :).
Nohandle on 08/20/2010:
Clutzy, my claim was probably 7 years ago. My homeowner's insurance is paid yearly. I have not received an increase on my premium except a few things are excluded now. One exclusion is for mold damage but that was for all policy holders, not just me. There is also a provision spelling out flood coverage, again for all policy holders. My claim was for neither one and was paid within 30 days.
Venice09 on 08/20/2010:
I know I've posted this before, but my husband has used State Farm since he was a teen, and together we've had State Farm insurance on everything for over thirty years.
State Farm never raised our rate after any particular incident. And there were many. I can't even remember all the car accidents, but one did result in our car being totaled, hospital expenses and being sued for a million dollars, which required court proceedings. State Farm handled everything and did not raise our rate. We also had two home burglaries and again State Farm paid out quite a bit in total but never raised our rate. That's not to say our rates haven't changed in all these years. But it was never due to any one incident.
Reviews like this leave me wondering if things have changed at State Farm. We haven't had a claim in a long time. I hope we don't have to find out.
mwalker on 07/25/2013:
I was told since voting to limit insurance from raising rates they make up for it now when you file a claim. My daughter filed a claim and was told by that one claim she list her good driver discount for 6 years! I can see the rate going up after a claim but taking the good driver off for 6 years is outrageous! I feel she is being penalized in that respect, for a year OK but 6 really!
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No Help
Posted by
We received damage to our home due to a terrible storm three weeks ago and we are still waiting for the claims agent to tell us what we need to do, what papers need to be filled out, etc. We at least have a claims number but we get no response when trying to contact the insurance company. I don't know how they stay in business with such poor service. If they are really busy and can't get to us, all they need to do is let us know. Having no communication is what is frustrating. It's time to look elsewhere.
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MDSasquatch on 08/04/2010:
Call your individual agent, not the insurance company, that is what they do
Venice09 on 08/04/2010:
As MDS said, call your agent. You shouldn't have to wait this long for answers. Your agent should be able to tell you what you need to do right on the spot and get the ball rolling.
Helpful on 08/05/2010:
Absolutely agree with the first two comments. If this is considered more of a catastrophic event, State Farm will have already sent out adjusters to start the ball moving.
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Leaves A Michigan Family Walking In The Cold
Posted by
MICHIGAN -- This information is EXTREMELY condensed to share the jist of our problems, and to avoid using names, and to many details.
On Jan. 15 2009 the engine of our car caught fire. as of today 9.21.2009 our car still has not been fixed, and has been sitting in a repair shop for the last 30 days because it's undrivable.
The jist of our problems include State Farm using parts from a junk yard to effect repair of our little $5,000 family car.
The car has not run properly since the day it was returned to us by the first mechanic, and two dealership mechanics have not been able to resolve the issue, and keep telling us the damage is not a result of the fire, and sending us a bill. when it was State Farms decision to make the initial repairs.
in spite of my protest State Farm went ahead with repairs, and since I've gotten the car back it has been returned to the original mechanic 4 times,
It's been to a Second dealership mechanic to replace the PCM, where it was diagnosed by a Ford Dealership with a drivability issue, but the second mechanic stated the car ran fine, and returned the vehicle to us.
When the car was returned to us. we was told it was "FIXED" which was a lie.
The car stalls, it did not shift gears properly, and it fails to start in cold weather.
On the 4th return visit, the mechanic said he was sick of dealing with us, and that our piece of junk car was not working properly due to lack of maintenance. not fire damage.
I strongly recommend people avoid using State Farm Insurance, because IF you should ever have to file a claim. you will not have a say in how the car is repaired, or replaces. you will not have a say in what parts are used, and no one from the company will give a crap when it all falls apart, and your stuck walking to work after paying 5,000 cash for a car that is now worthless 1 year after buying it.
And if there is ANY one able to offer suggestions on how I can fight this company please contact me.
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moneybags on 08/26/2009:
Take it in to someone who has NOT worked on it and get a written estimate for fire repairs. Send a copy to SF and another to your insurance commissioner.
laklisa on 08/27/2009:
Sometimes it is the mechanic/body shop and not the insurance company. For example several years ago an SUV backed into my driver door. Her insurance cut a check to have a NEW door put on. However the body shop just put bondo over the dent and painted the door...which took two weeks. By the time I realized, it was a couple of years after the fact and too much time had passed to complain about it.
IknowAlittleAboutThis on 08/27/2009:
In the state of MI, only you can athorize repairs on your car. If you don't want the work done at the place recommended then you can take it somewhere else. If you have that much of an issue with the work that was done, then why are you not working with your agent or claim rep? Why are you agreeing to the work they are doing by continually signing the documents to get your care out of the shop? Better yet, why have you shelled out $5,000? Also, EVERY insurance company uses refurbished parts. State Farm is the only company that tells you they do it. AAA, Geico, Progressive, Allstate, etc. will not tell you the parts are refurbished they will just put them on. Do some homework regarding your states insurance laws, then complain to the person who writes and regulates them...the commissioner.
GenuineNerd on 01/02/2010:
Considering it was a car fire, because wiring and other components could be damaged, State Farm should have totaled this vehicle and cut a check for you to use for at least a good down payment on another car, rather than attempt to repair it. Because of the fire damage, this car would never run again the way it was before the fire. Especially if computers or other circuitry suffered fire or smoke damage.
twixypeps on 02/22/2010:
I don't think we are getting the full story...sounds like to me you were sold a crappy car....engine fire? That does not sound like an insurance accident claim. That sounds like a warranty claim. If someone hit you and that started the fire, that is an insurance claim. Sue the man who sold you the car, or sue the mechanics who said they fixed it but didn't. State Farm is not in the wrong.
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You Pay & Pay & Pay...They DON"T!
Posted by
Kathy Malas[ina
CHARLOTTESVILLE, VIRGINIA -- I had two water damage claims in my home. One in Sept. 2008, then another in April of 2009. Water pipes leaked in the walls. The adjuster never even showed up to view the damage. Called the morning of the scheduled appointment and asked me to email him photos of the damage that it could be handled over the phone. I did. Living in a rural area it was hard finding a contractor to even come for an estimate. Finally found one, he sent me an estimate and shortly after went out of business. I was back at square one. Then the second claim happened....it took the State Farm adjuster 3 weeks to even come to look at the damage. Good thing my house hadn't burned to the ground. He was in and out so fast, he didn't even get all the details. Tried to show him the first claim, he wouldn't look at it. This was the same adjuster. I have spent another 4 months trying to locate a contractor. State Farm has their own premium contractors, the nearest one to me was almost 2 hours away. No one wants to come to a rural area for what they consider a small job. Finally I had two that actually showed and gave me estimates. Now State farm is REFUSING to pay for the difference in the repairs, from the first guy who obviously under estimated the job, comparing his to the two other estimates I received. How can they refuse anything when their own adjuster NEVER came to view the first damage claim. They never measured, never came to even look at the damage. I am a professional photographer. I took the photos and sent them per the adjusters request. I have spent too many hours, days, months and now almost a year trying to get this company to pay.
Take some advice...their slogan..Like a good neighbor State Farm is there. With neighbors like this...who needs them.
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Anonymous on 08/25/2009:
Welcome to the world of mandatory insurance where they become millionaires at your expense.
PepperElf on 08/25/2009:
that's weird
state farm never screwed me over. tho I only have them for my auto insurance
SadSackSam on 08/25/2009:
Your problem is location not company.
Anonymous on 08/25/2009:
You might want to contact the insurance commissioner in your state and see if they will advocate for you.
lessthanzero on 08/25/2009:
Hey, SadSackSam, if the company agreed to provide coverage, then location is not the problem.
Soaring Consumer on 08/25/2009:
Do what Ken said and contact your state's insurance commissioner. VH Ken.
twixypeps on 01/21/2010:
It is very hard to follow your complaint. What you are saying is you have two claims open? Or you have two estimates for the same claim? Why you have two estimates is beyond me! You need to walk into your agent's office and have them help you with the adjuster. What it sounds like is your adjuster is not agreeing to what a contractor says it will cost to repair. The only option you have is to arbitrate it. This mean you find a third party to come in and either do another estimate or decide which estimate is correct. believe it or not insurance companies are ripped off daily, contractors come in and see it's an insurance agency paying for something and try to rip the companies off. Talk to the contractor, let them know State Farm is only willing to pay such and such amount, will you knock down your prices.
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Create fun and touchable designs with this pretty Hot Pink Sugar'n Cream Solid Yarn. Natural, soft and absorbent, this cotton yarn is perfect for more than just knitting or crocheting.
Use it for scrapbooks, weddings, baby showers, parties, and more! Let your creativity unravel into a multitude of ideas!
Contents: 100% U.S.A. Grown Cotton
Yarn Weight: 4 - Medium
Recommended Knitting Needles: 4.5mm (USA: Size 7)
Knit Gauge: 20 stitches x 26 rows = 4" x 4"
Recommended Crochet Hook: 5mm (USA: Size H-8)
Crochet Gauge: 13 single crochet x 14 rows = 4" x 4"
Skein Weight: 2.5 ounces
Skein Yardage: 120 Yards
Care Instructions:
We are aware of the importance of dye lots and make every effort to pull the same dye lot on orders for multiple skeins of yarn.
We have a 7-10 day in-house process. There will be an additional 1-7 days for delivery.
**During peak Holiday Seasons (Mother's Day & Christmas) it can take an additional 1-2 business days to get your order shipped.
We do not accept International orders online.
To place an order with an International billing or shipping address:
You will need to order by calling 405-745-1275. Customer Service is available Monday - Friday 8:00-5:00 CST.
Your order will need to ship to a US Destination, such as a freight forwarder. By doing so your order will be eligible for our US shipping rates which often include free shipping.
If you would like for us to ship your order directly to you, you will be charged the actual postage amount. That amount is calculated once your order is picked, packed and ready to ship. International shipping address are excluded from all shipping discounts. All orders shipped to an International location are charged the actual cost of shipping.
Please note that this policy does not include Military Addresses, Guam, Puerto Rico & the US Virgin Islands. We will accept and ship orders to these destinations.
Expedited shipping is unavailable at this time.
Shop Hobby Lobby
Attention Customer Service
7717 SW 44th St
Oklahoma City, OK 73179
If you wish to exchange an item(s) you ordered for a new one:

subset: commoncrawl


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Serves 4 |
Prep Time 5 minutes |
Cook Time 0 minutes
1 1/2 cups Eden Organic Apple Juice
1 1/2 cups Eden Organic Cherry Juice
1 1/2 cups sparkling spring water
4 slices fresh lemon juice, quartered
4 slices fresh lime, quartered
4 slices fresh orange, quartered
(Add All Eden Ingredients to Shopping Cart)
Mix juices and sparkling water together in a pitcher and add the fruit slices. Refrigerate until chilled or add ice and serve.
American, Beverages, Fruit, Gluten-Free, Low Fat, Low Sodium, Macrobiotic, No Sweetener Added, Vegan, Wheat-Free


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But somehow the purple quilt never materialized. In my defense, we moved to a new house almost 3 years ago which happened to coincide with the 4 month period of my daughter's life when she decided she was over purple and ready to move on to a new color scheme, and so we created this room and I made a fun new quilt for her bed, and felt like that was a great motherly effort accomplished.
But then the purple obsession returned and with it the guilt every time I looked at that box of purple fabric. The final straw came this spring when she was cast as the Purple Fairy in the school play, which seemed like some kind of divine intervention, and I knew that purple fairy fat quarter needed to come out of the box and get put to use.


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Kings Park Education
Learning comes naturally
Kings Park Education provides hands-on, inquiry-based education programs for students from Kindergarten to Tertiary. Programs highlight the unique plants, people and places of Western Australia and the role we can all play in a sustainable future. All programs are delivered by qualified educators in line with the general capabilities and cross-curriculum priorities set out by the Australian curriculum. Whether you are visiting Kings Park and Botanic Garden for a picnic, a play or an education program, please let us know you are coming to ensure your enjoyment and safety in case of an emergency.
Download the 2014 Kings Park Education program3.35 MB.
Contact the Education Bookings Officer with any enquiries.
Early Childhood Programs
These programs are specially designed to cater for students in Kindergarten through to Year 2. Discover the wonders of the bush, follow the story of a tiny seed as it grows or meet Chunyart and his friends.
Primary Student Programs
These programs are specially designed to cater for students in Year 3 through to Year 7. Be a detective in the bush, discover amazing adaptions and learn to conserve our precious bushland.
Secondary and Tertiary Programs
These programs are specially designed to cater for students in Year 7 through to Tertiary-level. Investigate play spaces for Early Childhood, learn to monitor and assess ecosystem health and find out why Kings Park is the most visited place in Western Australia.
Special School Events
In addition to the school programs on offer throughout the year, Kings Park Education provides a series of one-off or seasonal education events. These special events are usually facilitated by external specialists such as artists, theatrical performers and Aboriginal presenters.
Professional Development
Kings Park Education provides practical ideas for excursions and inspiration for teaching in the classroom. Excursion inductions are a requirement for all teachers visiting Rio Tinto Naturescape Kings Park for the first time.
Self-Guided Programs
Visit Kings Park and Botanic Garden on a free self-guided excursion. Receive a free self-guided walk pack, including teachers notes and a student workbook of your choice, to help explore the science, history and cultural heritage behind this unique and special place.
Plan Your School Visit
We want you to enjoy your excursion to Kings Park. Please plan your visit carefully to make sure everything runs smoothly. Bookings are essential for all school excursions to Kings Park and Botanic Garden.
Make a School Booking
Whether you are here for a picnic, a play or an education program, please let us know you are coming. This will ensure your safety and enjoyment. We recommend making your booking at least one month in advance, due to the popularity of our programs.
About Kings Park Education
Kings Park Education inspires the understanding of Western Australia's unique plants, people and places. There is a strong emphasis on the role we can all play in a sustainable future.
- Details
- Last Updated: 02 December 2014


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American League All Star Team Selects WC Alumnus Nick Kenney as Athletic Trainer
1994 Graduate in Third Season as Kansas City Royals' Head Trainer
July 6, 2012
Nick Kenney roams the Royals dugout. (Photo courtesy of Kansas City Royals/Chris Vleisides
Wilmington College alumnus Nick Kenney will be the American League's athletic trainer Tuesday (July 10) for the 83rd annual Major League Baseball All Star Game at Kaufman Stadium in Kansas City.
Kenney, a 1994 graduate of WC's athletic training program, is the Kansas City Royals head athletic trainer.
Texas Rangers and American League All Star manager Ron Washington handpicked Kenney, who joined the Royals in 2010 as their head trainer. It will be Kenney's first All Star Game appearance.
He previously held athletic training positions with the Cleveland Indians and Cincinnati Reds.
Kenney and the Kansas City Royals' medical staff received Major League Baseball's 2011 Dick Martin Award for having the healthiest team last season.


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The Lindau Gospels is an important and visually stunning example of illuminated text and complex metalwork binding. The lower cover was crafted in the 8th century, and is believed to be the oldest surviving example of its kind. Each Lindau Gospels Journal from Paperblanks features an elaborate depiction of this design. Each journal features a memento pouch and a ribbon marker. Available in a variety of formats.
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Video Training
Working Effectively with Children of the Incarcerated, their Parents and Caregivers
These video modules are designed to help social workers and other social service providers understand the particular needs of families with an incarcerated parent and learn effective practices in working with children of the incarcerated, their parents and caregivers.
View Preview (6 min)
Click on the modules listed below to see a summary of the content in each module and a link to the powerpoint slides. Before watching a video, open the PowerPoint slides for the section you are viewing.
There are also two links at the bottom of this page: a summary of resources that the speakers refer to, and a summary of relevant legislation and policies.
Video Training Modules:
This section includes an overview of all of the training modules, information on incarceration in the United States and the prevalence of parental incarceration, and research documenting the emotional, behavioral and developmental effects on children having an incarcerated parent.
Watch the video (21 min 15 sec)
Voices of Youth Panel
In this panel, youth who have had an incarcerated parent and been involved in the child welfare system talk about their personal experiences and the impact parental incarceration has had on their lives.
Watch the video (15 min 24 sec)
Navigating Practice Challenges: Children
This section discusses visitation and contact between incarcerated parents and their children, Children's Administration policy regarding visitation, mentoring and other supports and services for youth with incarcerated parents, connecting youth to mental health and chemical dependency treatment, youth in Juvenile Rehabilitation (JRA) and Victim/Witness concerns.
Watch the video (41 min 33 sec)
Voices of Parents Panel
In this panel, parents who have experienced incarceration and been involved in the child welfare system talk about their personal experiences and provide suggestions to social workers on how to work effectively with parents in prison or jail.
Watch the video (15 min 22 sec)
Navigating Practice Challenges: Caregivers
This section outlines supports available to relative caregivers and foster parents caring for a child of an incarcerated parent.
Watch the video (18 min 33 sec)
Navigating Practice Challenges: Parents
This section covers the following topics: locating a parent in prison or jail, legal obligations to provide services to parents while incarcerated, ways to work effectively with incarcerated parents, housing impacts, child support debt obligations and how parents can request child support modifications, and the impact of the Adoption Safe Families Act (ASFA) and the Indian Child Welfare Act (ICWA).
Watch the video (22 min 45 sec)
Partner Agency Panel
This panel includes representatives from the Department of Corrections, the Office of the Superintendent of Public Instruction, the Office of the Attorney General, the Office of Public Defense, and GALs/CASA (Court Appointed Special Advocate). Each participant speaks about services and supports available through their agency for incarcerated parents and/or their children, and suggests ways that social workers can partner with other agencies to assist families.
Watch the video (30 min 38 sec)
Impact on Community
This section concludes the training modules by focusing on the impact of incarceration on communities and outlining the legislation and other efforts taking place in the State of Washington and nationally to address the needs of children of the incarcerated and their families.
Watch the video (8 min 16 sec)
We are providing links to informational materials. This does not constitute an endorsement of an author, methodology, or intervention. Before attempting any interventions advocated in books, videos, DVD's, CD's and audiotapes (with a child in the custody of DSHS), you must first have the approval of the child's assigned social worker.


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In the Sukkot department you will find everything you need to make for a beautiful Yom Tov. From Flags to your actual Sukkah, Lulav and Ethrog (aka Esrog, esrogim, and ethrogim.) Wash cups, Decorations,Challah Covers and much much more.
Lulav & Esrog Plush Play SetEichler's Price $14.99
Lulav and Esrog Set - From IsraelStarting at $49.95
Yanover Lulav and Esrog - From ItalyStarting at $100.00


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Out of Stock
Item # HIN0182
Don't worry though, we have a lot more Travel Packs in stock than that.
Hincapie Sportswear Pro Backpack $0.00
If you need more you're just being whiny.
Use the Hincapie Pro Pack to tote your gear to your next race or just to the office and back. The Pro Pack is loaded with smart features to make your journey or your commute easier.
- Large divided main compartment makes organization easier
- Hydration sleeve with hose port
- Hidden adjustable helmet holder deploys when you need it, hides when you don't
- Zippered security pockets on hip-belt for easy access
- Padded shoulder straps and back panel with ComfortAir ventilation system
- Hidden integrated rain cover
- Reflective trim for safety
Tech Specs
Reviews & Community
What do you think of the
Hincapie Sportswear Pro Backpack
? Share a...
Hincapie Pro Pack
- Familiarity: I've used it several times
I ordered this bag because i was looking for something that would keep my gear organized when heading off to a race, ride, or for traveling with bike stuff in general. As technical bags go, $59 really isn't so bad, even $90 is conceivable. The bag is roomy enough for my shoes, change of clothes, recover food, ride gear, and extras. The only downsides are the side pockets in which they suggest putting your shoes, are not really large enough to easily put my shoes. Also, the bag has a metal insert (flat aluminum piece) that has a curve in it, that fits into a special spot, that keeps the bag slightly bent behind your back. I don't really understand the point of this, as the flimsy back of the pack doesn't hold the shape and is slightly annoying against your back. I would not recommend this bag for lengthy commutes.


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Welcome to Gerlach's Garden and Power Equipment Center
Celebrating 25 years of service!
Who is Erie's first stop for garden center needs? That's right, Gerlach's! With a fully stocked nursery, garden center, and a knowledgeable staff to offer expert advice and friendly service, they have everything you need. Gerlach's is also a certified Growise and Master Nursery center which means they offer quality products, competitive pricing, convenience and a wide product selection! Stop in today to see how well Gerlach's can take care of you!
Gerlach's, founded 25 years ago, is a family owned business in Erie, PA. The owners Mark & Sharon Gerlach, along with their two sons Adam & Mitch Gerlach are involved in every aspect of the company. "We strive to provide the best service possible, with the highest regards to quality, customer satisfaction and expert advice."
Why Choose Gerlach's Garden Center?
For the quality assurance that only a locally owned family business can provide.
Because we buy local plants at our business here in Erie, the plants are fresher and acclimated for the Northwest Pennsylvania climate.
Here are just a few of the many things we offer:
- The largest selection of organic products in Erie County
- Heirloom tomato and vegetable plants
- A wide variety of herbs
- Exclusive selection of perennials
- Unique pottery and gifts
- Bird Baths & Fountains
- Outdoor Furniture
- Garden Supplies
Stop in and ask about our Reward Cards!
We also have Propane Fill Cards, Fill your tank 6 times and receive a FREE fill!
And don't forget about the Wild Bird Seed Cards, after you buy 10 bags you receive a FREE bag!
As always no expiration on any of our cards!


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i forgot to add to my original review that when I did remove the skin, it left almost no residue at all and the tiny bit that was there was easily removed with an alcohol wipe and voila instant newness!!! Happy New year.Heather Williams, United States
iStyles is a fashion accessories provider for consumer electronics such as the iPhone. With coverage for 738 devices and a collection of 1580 designs, iStyles is the global one-stop brand that people turn to when they want to dress up their gadgets, to differentiate themselves from the crowd and to be stylish.
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IPL M3: SRH vs PWI – Match Highlights
By Mark Stelfox, 5th Apr 2013
Join Website or existing users Login
Keep up-to-date with the latest news from Headingley CC
Subscribe to the Calendar so you never miss a fixture or event.
The latest videos from our ECBtv channel.
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Shop with us for all your sporting goods and earn the club 5% on every sale.
Buy your official Headingley CC kit.
View the club's address and find Headingley CC on the map.
Get in touch with someone at Headingley CC via the contact form.
Get contact information for the Headingley CC club officials
By Mark Stelfox, 5th Apr 2013
© Pitch Hero Ltd 2008-2014
Pitch Hero Ltd Registered in ENGLAND | WF17 9TB | Company Number - 636 1033


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Due to a family emergency, Sully Erna's show in New Brunswick, NJ at the State Theatre has been postponed. We apologize for any inconvenience. Information regarding the re scheduled date will be made available soon. Please stay tuned for further information. Thank you
I'm officially announcing my debut lead role in a film starring horror icons: Michael Berryman (Hills Have Eyes)and Tony Todd (Candy Man), called Army Of The Damned !
South Carolina,
Come on out to the Grand Opening of Robbie Merrill's new shop, RPM Powersports, SAT APRIL 27! You can meet Robbie, as well as purchase a raffle ticket for a chance to win a bass guitar signed by Robbie ....


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Calendar Highlights
Volunteer English teachers
Health and Wellness Meditation at Plymouth Congregational Church
Misc Winter Sleep
Misc Daoud Nassar
On Stage On Golden Pond
On Stage Disenchanted!
On Stage The Rubaiyat: Life in A Day
On Stage Disenchanted!
Current Print Edition
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text:
Dr. Quinn, Medicine Woman: The Complete Series DVD
Sale Price: $99.98
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: DVD
- Rating: Not Rated
- Number of Discs: 42
- Run Time: 7224 Minutes
- Region: N
- Aspect Ratio: Fullscreen
- Language: N
- Studio: A&E Home Video
- DVD Release Date: October 20, 2009
- Audio: ENGLISH: Dolby Digital Stereo
- Director: N
- Cast: N
- Genre: TV Series
- Color: Color
- Includes:
"Jane Seymour: Hollywood's English Rose" Episode of the A&E Award-Winning Series Biography
Exclusive Featurettes: Beginnings and Favorites
Four Cast Commentaries
Interactive Tour of 19th Century Colorado Springs
Boarding House: Guest Stars
Trivia Quiz
Photo Galleries
Cast Biographies and Filmographies
Series Awards and Honors
In an age when women were expected to be seen but not heard, Dr. Michaela Mike Quinn (Jane Seymour) is an independent spirit who forsakes her home in genteel Boston for the rough-and-tumble life on the Western frontier. With a new family and mountain man Bryon Sully (Joe Lando) by her side, Quinn finds a new set of challengesand rewardsin life as a pioneer.
DR. QUINN, MEDICINE WOMAN: THE COMPLETE SERIES brings together all six critically-acclaimed seasons and two feature-length movies of this groundbreaking historical drama. This unique collection traces the entire arc of Dr. Quinns epic story, from her first step out of the stagecoach in Colorado Springs through the extraordinary romance between her and Sully, the expansion of their family, and dramatic series finale.
All 150 episodes feature unforgettable storylines and a rich cast of characters that bring the timeless themes of the Old West into vivid focus for modern viewers.
Acclaimed for both its painstaking historical authenticity and its ongoing contemporary relevance, the Emmy® Award-winning DR. QUINN, MEDICINE WOMAN unites each and every moment of one of televisions most celebrated family classics.
Bonus Features:
- Jane Seymour: Hollywoods English Rose Episode of the A&E Award-Winning Biography series
- Interactive Tour of 19th Century Colorado Springs
- Series Awards and Honors
- Cast Biographies and Filmographies
- Photo Galleries
- Cast Commentaries
- Exclusive featurettes: Beginnings and Favorites
- Boarding House: Guest Stars
- Trivia Quiz


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The Electronic Talking Dartboard is a full 15.5" tournament-sized board that talks and keeps score for up to eight players. Choose from 22 games (including four cricket games) with 115 options for players of all skill levels. Micro-thin segment dividers and "square-hole" technology hold on to darts and dramatically reduce bounce-outs. Features a backlit 3" LCD display, scrolling messages, 6 full-sized, soft-tip darts, extra tips and a hanging kit.
See more details
Item # 201501
Host your own professional-style dart tournament at home with the Electronic Talking Dartboard. This full-sized board has 22 games, and even keeps score for up to eight players.
• Full 15.5" tournament-sized board
• Keeps score for up to eight players
• Voice prompt for players to throw
• 22 games (including four cricket games)
• 115 options for all levels
• Single in/out and double in/out features
• Sleep mode
• Micro-thin segment dividers and "square-hole" technology reduce bounce-outs
• Backlit 3" LCD display
• Scrolling messages
• Includes 6 full-sized, soft-tip darts with extra tips
• Includes hanging kit
• Optional battery power (requires 4 AA batteries)
• Plugs into an AC outlet
• Games include Simple Cricket, Cricket, Cut-Throat Cricket, Scram Cricket, Count-Up, 301 Count-Up, Round-The-Clock, Shove A Penny, High-Score, Shoot-Out, Shanghai, Double Down, Forty-One, All Fives, Killers, Over, Under, Football, Bowling, Golf, Baseball and Car Racing
Length: 25.00
Width: 4.00
Height: 20.00
Weight: 12.00 Lbs
Our Price: $149.99
View Details
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Dr. Radden has one office in Illinois.
Specializing in the field of Rheumatology, Dr. Radden is prepared to diagnose and treat the various types of diseases affecting the musculoskeletal system, which may include rheumatoid arthritis, gout, lupus, osteoarthritis, osteoporosis and fibromyalgia, among others. Dr. Radden is trained to provide a wide range of treatments, including the prescription of medications.
Offers care for patients suffering from disorders of the joints and soft tissues, such as arthritis.


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Oracle Customer: Frimesa Cooperativa Central
Location: Paraná, Brazil
Industry: Consumer Goods
Employees: 4,500
Annual Revenue: $100 to $500 Million
Oracle Customer: Frimesa Cooperativa Central
Location: Paraná, Brazil
Industry: Consumer Goods
Employees: 4,500
Annual Revenue: $100 to $500 Million
Frimesa Cooperativa Central produces meat and dairy products and distributes them to food retailers in Brazil. Headquartered in the Brazilian state of Paraná, the company has five production plants and 13 distribution units in the states of Paraná, Santa Catarina, Rio Grande do Sul, São Paulo, and Rio de Janeiro. Since food safety and public health are key priorities in the food industry, the company practices rigorous quality control—from the origination of raw materials, to delivery—using standardized procedures and production-line inspections.
The company has grown by an average of 20% per year and aims to maintain this growth rate. To achieve this goal, Frimesa continuously reviews and seeks to improve its business processes, especially for billing and quality control. As such, it decided to upgrade to Oracle E-Business Suite Release 12.1, which improved performance and reduced the time needed to process monthly billing by 75%.
"The migration project was a success. We achieved all of our objectives relating to the system´s use and business results, and deployment was on time and on budget. We completed the migration without impacting other internal processes, as the E-Business Suite 12.1 modules continued to process critical company information."– Irajá Curts, Chief Information Officer, Frimesa Cooperativa Central
"We were already very satisfied with Oracle's service from commercial and technical points of view. This influenced our decision to upgrade and remain on the same platform. We had assessed other options on the market but they proved not to be viable. We knew Oracle E-Business Suite was the best option to help us maintain our 20% annual growth rate," said Irajá Curts, chief information officer, Frimesa Cooperativa Central.
Frimesa led the project and worked with Innovative Management Consulting because of its implementation expertise. The company used Oracle AIM Advantage along with its documents and procedures to ensure a successful implementation.
"We carried out the upgrade in three stages. In the first stage, we migrated and tested the base, which enabled us to identify and anticipate problems. In the last two stages—which took only two months—we tested and validated the processes and synchronized and finalized the migration. We had only three hours of downtime and completed the project in a third of the estimated time. It was a totally transparent and flawless project," Curts said.
Oracle Partner
Innovative Management Consulting
"The Innovative Management Consulting team in charge of this upgrade was very familiar with the Oracle AIM Advantage methodology. The team's skill set enabled us to avoid project rework and helped us meet our deadlines. We had already worked with Innovative on other projects with great success. Its professionals have a lot of experience, and they always meet deadlines without increasing project costs. We are very satisfied with yet another successful project," Curts said.


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Mazie Peri Poncho
We started with a flowing poncho in the cheeriest yellow and added the pop of exquisite beading in soft blue.
- Pull-on styling with flowy poncho sleeves.
- Semi-sheer silhouette is ideal for layering.
- Length: 28" to 29".
- 100% polyester.
- Hand wash. Imported.
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New survey shows these are little wins, in order that make us all feel good - unexpectedly! See if they fit for you! Maybe you have one to add!
1. Discovering money you didn't know you had in an old coat
2. Winning a contest you forgot you entered
3. Getting a refund or rebate you didn't know was due
4. Saving money on household bills
5. Finding a winning lottery ticket
6. Getting to the register and realizing your item has been marked down
7. Losing a 1/2 pound
8. Finding money in an automated device, like the change bowl at a counter at checkout


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Protocol Application Reference Sheet
This document should be used as a guide when completing new protocol applications and three year renewals. It provides instructions for several areas of the protocol application form and will continue to be updated as needed until a new version of the form is made available.
Protocol Review Forms
This link will provides you with the initial and three year protocol review form, annual renewal of an approved protocol form, and the form to use when submitting minor and major amendments.


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New Arrivals
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Rouge Dot Sia Tank
The kaleidoscope of polka dots creates visual intrigue on the blousy tank silhouette.
- Rounded hem slightly longer in back.
- Length: 24" to 27".
- 100% polyester.
- Machine wash. Imported.
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January 4, 2007
There has been a lot of misinformation shared around the country about Mental Health Screening and the TeenScreen program since the release of President Bush's New Freedom Commission report in 2003 that recognized the Columbia University TeenScreen program as a model program. Recently the New England Journal of Medicine published an article on Mental Health Screening that discusses the merits of mental health screening.
The Columbia University TeenScreen Program is a national mental health and suicide risk screening program for youth. The goal of the National TeenScreen Program is to make voluntary mental health check-ups available for all American teens. TeenScreen works by assisting communities throughout the nation with developing locally operated and sustained screening programs for youth. Screening can take place in schools, doctors' offices, clinics, youth groups, shelters, and other youth-serving organizations and settings.
The study in the New England Journal of Medicine is an examination of issues regarding teen mental health and suicide, written by Dr. Friedman. The article outlines a rationale for screening programs, gives a historical perspective, examines statistics, and offers the personal experiences of actual teens and their parents.
Read the full story from the New England Journal of Medicine. (opens in a new window)
Learn more about the TeenScreen program at Columbia University. (opens in a new window)
Support NAMI to help millions of Americans who face mental illness every day.Donate today
Inspire others with your message of hope. Show others they are not alone.Share your story
Become an advocate. Register on NAMI.org to keep up with NAMI news and events.Join NAMI Today


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For that home-cooked taste, try our traditional meatloaf covered with a tangy barbecue sauce, served with a side of roasted potatoes, broccoli florets, and carrots.
Seasoned chicken breast covered in a glaze served with broccoli and roasted red skin potatoes.
Berry Dreamy!
Our new Mixed Berry Bar is a sweet medley of dried cranberries, raspberries, and blueberries mixed with rolled oats and finished off with a drizzle of creamy yogurt - this bar is a dream come true for berry lovers!
Start your morning with these lightly sweetened cereal hoops made from oats, barley, wheat and rice that provide 1 serving of recommended whole grains.
The comforting taste of oatmeal cookie with real bits of raisin, a hint of cinnamon, and a creamy yogurt coating. The bar serves as one milk replacement on the program, as well as a vitamin and mineral supplement to complement your Jenny Craig Menu. Each bar contains 4g fiber and 10g protein. 7 bars per box.
Organic Liaison's Rescue Me® is a USDA Certified Organic energy elixir that is a tasty way to stay hydrated. 16 servings per bottle. Mix 1 capful with 25oz of water, shake well & drink throughout the day. Refrigerate after opening.
Orzo pasta, zesty tomato sauce, black beans, bell peppers, corn and reduced fat mozzarella
A rich, creamy, peanut butter snack bar with crunchy soy crisps covered with creamy chocolate. A delicious bar that serves as one milk replacement, as well as a vitamin and mineral supplement to complement your Jenny Craig Menu. Each bar contains 4g fiber and 10g protein. 7 bars per box.
Dive into lunch with a traditional pepperoni pizza! Flavorful marinara sauce and mozzarella topped off with zesty pepperoni, all on a thin crispy crust.
Pizza lovers will adore this wheat crust pizza topped with Italian style seasoned tomato sauce, reduced fat mozzarella cheese, and tomatoes.
A moist pumpkin loaf with fresh cranberries and topped with a sweet oat streusel.
Real pumpkin and a hint of cinnamon provide rich flavor for these little cakes, topped with a drizzle of cream cheese icing.
Individual pack of lite salad dressing made with creamy buttermilk and seasonings.
A moist red velvet cupcake topped with cream cheese frosting.
Tender turkey medallions, crisp green beans topped with slivered almonds, creamy mashed potatoes, gravy and a savory herb stuffing.
Mamma mia! Transport your taste buds to Italy with rotini pasta and perfectly seasoned meatballs in a zesty tomato sauce accented with parmesan cheese.
Sink your teeth into our flavorful S'mores Bar. Packed with a layer of gooey marshmallow on top of graham cracker crisps, all covered in creamy chocolate.
Cozy up with Salisbury steak with mushroom gravy, a side of red-skinned potatoes, garnished with chives, sliced carrots, and peas in a lightly seasoned sauce. This dish also provides a good source of fiber.
Tender breaded white meat chicken mixed with whole wheat pasta, broccoli, red bell peppers, water chestnuts and green onion in a savory sesame sauce.
Enjoy this lean and delicious entrée inspired by the flavors of Santa Fe. Tender white meat chicken with rice, black beans and roasted corn, complimented with green bell pepper and full of southwest flavor.
Mamma mia! Talk about tasting like homemade! Multi-grain pasta with perfectly seasoned mouthwatering meatballs smothered in a zesty tomato sauce, topped with Romano and mozzarella cheese.
A blend of cheeses, seasoned beef and zesty tomato sauce baked in a soft crust.
Healthy stuffed in a shell!
These generous size portion shells are stuffed with blended cheeses, spinach and herbs covered in a yummy savory tomato sauce that can be paired with a green salad!
Enjoy this popular fast food breakfast item with 0g trans fat, this tasty sandwich has a scrambled egg and cheese patty topped with sliced turkey ham on an English Muffin.


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**Note: where events are oversubscribed we maintain a reserve list in case of subsequent cancellations (click here for contact details).
Date: Wednesday, 29th August 2012.
Time: 6:45pm to 10:00pm.
Cost: £87 per Light (below 85kg), £87 per Heavy (over 85kg).
The cut and thrust of Sprint Racing on the full International Circuit, but with the added excitement of a championship series.
Separate weight classes for light (<85kg) and heavies (85kg>) will ensure fair play. Note: both weight classes will share the grids but have their points allocated separately.
A 10 minute practice session is followed by three point scoring heats for each driver and finals for the top scoring entrants.
Trophies are awarded to the top three finishers in each weight class.
This event is an ideal stepping stone up from the highly popular non championship International Sprint event.
This four star event is suitable for drivers with experience who wish to enjoy racing within a championship environment.
The championship consists of 8 rounds, of which the best 6 scores count.
One-off entries are welcome.
18:45 Arrival, sign in and suit up
19:15 Safety Briefing
19:45 Up to 3 x 10 min practice sessions of up to 20 karts)
20:30 Heats (Each driver competes in 3)
21:15 Final(s)
22:00 Presentation of awards and club bar
Please note: All drivers must be at least 16. All places must be booked and paid for in advance. Ideal for fit drivers with experience of outdoor leisure kart racing.


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OWENSBORO, Ky. (3/18/14) – A business that's been around for about 30 years as a temporary staffing agency invited the Greater Owensboro Chamber of Commerce to conduct a ribbon cutting at its new location.
But that wasn't the only change the company was celebrating.
"We're an 'old' new business," Talent Force Branch Manager David Owens said somewhat jokingly, as he talked with SurfKY about the history of the company.
What started out as a locally owned agency named Employment Staffing, later joined a larger organization, resulting in the name change to Temporary Professionals.
A couple of years ago, the company's structure changed again when Temporary Professionals was divided into more specialized categories.
Talent Force's focus is on the industrial side of employment, while Temporary Professionals remains centered on office-type jobs. Both are still owned by the same company.
Talent Force then moved into its own building on 9th Street in October, and Owens said once that was complete the time was right to hold a ribbon cutting with the Chamber. He said rejoining the Chamber was an important component of the business' future.
"We need to be part of the business community," he said.
Owens said the company gets about 125 applications each month, and hires 40 percent of all applicants for various jobs. He said the company makes an effort to screen candidates to make sure the right person is hired for the right job as much as possible.
"We're trying to elevate the quality of the workforce," he said. "We'd like to be known as the staffing company that has the best people and the best quality workers."
When asked what criteria the company uses to make hiring recommendations, Owens said the main aspect is what he referred to as "soft skills."
Dependability, work ethic, punctuality, sense of responsibility, and initiative," Owens said of the criteria, noting that people who don't show up for an interview or the job orientation sessions usually don't get past that part of the process. Passing a drug test is also a requirement to be offered a job through Talent Force.
Making sure applicants have the right skill set to be able to do the job is also important.To learn more, visit Talent Force online or at its Owensboro location, 101 E. 9th Street, Owensboro, Ky. 42303.
Dennis Beard
SurfKY News
© Copyright 2014 SurfKY News Group, Inc. All rights reserved. This material may not be published, broadcast, or rewritten without permission. SurfKY News encourages you to share this story by using one of the social media links below.
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New Arrivals
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Hammered Silvertone Neutral Drop Earring
Caramel and butterscotch beads cluster above a faceted stone in smoky neutral, accenting summer's Espresso and Auburn red. Matches the Hammered Silvertone Necklace and Stone Bracelet.
- Lever-back closure. 2" drop.
- Cat's eye and glass faceted beads. Polished silvertone metal.
- Custom designed exclusively for WHBM. Handcrafted with nickel-free and lead-free metal.
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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How Our Pets Help Us Heal
Last month, I experienced a devastating chain of events that changed my life forever. Thirty-six hours before I was scheduled to have a full hysterectomy, I lost my job. I spent four days in the hospital. When my husband brought me home, I was looking forward to a long recovery so my body could heal, and was optimistic about devoting the time I spent on the "other" job to focus on growing my pet-sitting and dog-walking business, full-time. Instead, I received a phone call, and the voice on the other end told me that my brother had died suddenly, leaving behind three small children and a devastated family. The days leading up to his funeral were a blur – supporting my family, making funeral arrangements, visitation with caring folks that I hadn't seen in years – and then the terrible day I had to bury my 42-year-old brother.
While I'm still struggling every day to fully recover mentally, physically and emotionally from the trauma of all those events, hope has replaced despair and something akin to happiness has replaced the feelings of immense sadness and loss. Peace has replaced anger – and I owe much of it to my fur-kids, Riley, Maddie and Biscuit.
You see, animals (mine and all those that I care for with Paws Pet Care every day) give me a reason to get out of bed every morning. They need to be walked. They need to be fed. They need to see the vet. They need to be cared for. They need ME.
But, to be perfectly honest, their need for me is not the only thing that has helped me cope and heal in the last few weeks. I need them. I need to see their wagging tails and their smiling faces (of COURSE they smile!), greeting me at the door every day. I need to feel their unconditional love and their complete and total happiness at seeing me, no matter how bad I look, no matter how sad I am or what shape I'm in, emotionally or physically.
I can't tell you how many times in the last four weeks I have held or stroked my own pets, and even my clients' pets, and just sobbed. And you know what? They have let me. Without judgement. Without speaking. Without that awkward, "what do I say now to help this person" silence. Their eyes speak volumes. Their gentle nudges, their paws on my shoulder and their tongues licking away the tears say louder than any spoken words, "I understand, and I love you."
We sometimes forget how much animals help people, and even when we greatly love the pets and animals we care for, it's all too easy to take them for granted. We can forget that they, too, care for us. And even scientists know that our pets have actual healing powers. When you stroke a cat or pet a dog, you experience a surge of healing hormones and chemicals that produce feelings of peace and serenity.
Healing relationships come in many sizes. Some have two legs, some have four legs and some even have fins or feathers. Do you have a Riley, Maddie or Biscuit in your life?
Category: The Weekly Scoop
About the Author (Author Profile)
Beth Green is a Louisville native and owns Paws Pet Care, a local award-winning pet sitting and dog walking company. She is a self-proclaimed "animaniac". On a typical day you may find her caring for her fur-clients, spending time with her husband and three children, reading, writing, shopping or her two boxer-babies – Maddie and Riley – walking her around the block.
Comments (6)
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Thank you for writing this. It moved me to tears!!!
Sitting in my driveway, tears streaming down my face as I remember just 3 months ago losing my first love of 12 1/2 years…my dog Magic. I too found peace in the pets I care for. Several clients that knew what had happened asked if I was sure I wanted to work the weekend after his passing. YES! I need your pets more than they need me right now.
Thank you for sharing!
My heart is touched by your story. Pet sitting is definitely a form of therapy for me.
Thank you for writing this. It is so beautiful. I am so sorry for your loss.
This all sounds so familiar. When I lost my daughter I thought the world would surely end. Of course it did not and I had to go on. With the support of my loving husband and sons I also had the support of my fur babies. They can be so loving and understanding when their human parents are in physical or mental pain. They are always there with loving eyes and, yes, that smile. They know when we are in pain and they know when we are unhappy. I don't know how they know these things but I know they do and they try so hard to make things better for us by just being there for us.
We lost two of our fur babies this year. We find comfort in that they both lived long, happy lives. Our border collie was 14 and our Siamese was 15-1/2. We will forever miss them but will have great memories of our good times together. We adopted another shelter dog and she is quickly becoming an intricate part of our family. A few years ago I learned I am allergic to cat dander but there was no way I could part with Topaz. She was as much a part of my family as my children. However, we will not adopt another feline baby.
Yes Beth, I totally agree with you. We need our fur babies as much as they need us.
So very true. As a young girl I learned that no one loves you like your dog and each dog that enters my life carries on the legacy. Thanks for putting it into words.


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Fruit and Nut Mixes
Imported Specialty
Oils and Vinegars
Organic Beans
Organic Flour
Organic Grain
Sea Salts
Sea Vegetables
Soy Sauces
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The first cold, stone pressing of three varieties of green and dark purple olives: Hojiblanca, Arbequina, and Picual. Hand picked from centuries old groves in Andalusia of southern Spain, a region famous for olives and olive oil. Prevention Magazine awarded it "All Around Best Buy," rating it highest in flavor and protective nutrients, and praised its "Zesty, buttery, assertive taste." Beautiful bright green hue and fruity aroma. 2012 free fatty acid test results: 0.27 percent. It has 10 milligrams of beneficial monounsaturated fat and is a good source of vitamin E.
Detailed Description


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No matter your skill level, everyone has questions at one time or another. These open sessions are provided so AdoramaPix customers can ask any questions regarding PixPublisher or AdoramaPix photo books. If you're wondering how to do something, let a live instructor show you how
This intermediate level workshop assumes attendees know the basics of our PixPublisher tool and have built at least a few books using it. During this workshop we will discuss more advanced techniques that can help to improve the quality of your photo books.
Its that time of year when most of us are in need of a new calendar. Calendars make a great holiday gift for friends, family or business clients. We'll show you how to build a personalized calendar and how to make the most of our newly introduced calendar sizes.
Our FREE PixPublisher software can be used by amateurs and professionals alike to create stunning photo books that showcase your pictures beautifully. During this beginner level class we help you get started with PixPublisher by showing you how to create a book from start to finish.


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Sebastian Whipped Cream 5.3 oz.
Based on 1 Review
JessicaHairBlackColor Treated HairI Liked ItI am lazy alot and dont like to do my hair and its a mess if i dont. But I used my friends bottle of this and I thought it made my hair awesome. It was really silky and soft and not crunchy like other gels and stuff. I even straighten it the next day and you would not of known i put this in it the day before.1 out of 1 shoppers thought this review wasn't helpful.
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New Arrivals
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Shimmer Stripe Scarf
Foil stripes with spray-paint styling add shimmer to our seasonless scarf.
- Subtle self-fringe trims both ends.
- Measurements: 25" by 72".
- 100% acrylic.
- Imported.
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Wednesday, March 18, 2009
Gaming In 1991: Top RPGs
Top 5 Comic-Book Superheroes Systems:
1. Champions
2. DC Heroes
3. Marvel Super Heroes
4. GURPS Wild Cards
5. Superheroes
Top 5 Espionage Systems
1. James Bond 007
2. Top Secret/S.I.
3. Mercenaries, Spies, and Private Eyes
4. Danger International
5. GURPS: The Prisoner
Top Arthurian Fantasy
1. Pendragon
Top Sword & Sorcery Fantasy
1. AD&D 2e
2. RuneQuest
3. Ars Magica
4. Dungeons & Dragons
5. Stormbringer
6. Middle-earth Role Playing
7. Warhammer Fantasy
8. Fantasy HERO
9. Harnmaster
10. Talislanta
Top Ten Fantasy Worlds
1. Glorantha
2. Middle-earth
3. Tekumel
4. Forgotten Realms
5. Harn
6. Known World/Hollow World
7. Talislanta
8. The Old World (Warhammer)
9. The Hyborian World
10. Greyhawk
Top Ten Fantasy Cities
1. Lankhmar
2. Sanctuary
3. Waterdeep
4. Minas Tirith
5. Middenheim
6. Pavis
7. Carse
8. City of Greyhawk
9. Free City of Haven
10. City-State of the Invincible Overlord
Top Horror System
1. Call of Cthulhu
Top Five Humor Systems
1. Paranoia
2. Toon
3. Ghostbusters
4. Bullwinkle and Rocky
5. Teenagers from Outer Space
(One top Horror system and 5 top Humor ones? Really?)
Top Five Science Fantasy Systems
1. Shadowrun
2. Torg
3. SkyRealms of Jorune
4. Space: 1889
5. Hawkmoon
Top Five Science Fiction: Space Adventure System
1. Traveller (MegaTraveller)
2. Star Wars
4. GURPS Space
5. Space Master
Top Mystery/Crime System
1. Gangbusters
Top Three Universal Systems
2. HERO System
3. Basic RolePlaying
There are plenty of more rankings for a number of other genres and sub-genres, but those are some of the lists that stuck out. And yeah, there were some I didn't know, either.
12 comments:
- Hammer said...
Wait, wait, wait...there is a GURPS book for the Prisoner?
That excites me far too much.
I'm not sure the list has stood up to time well. I've never heard of about a quarter of the titles and only heard some of them spoken about with reverence, having been out of print for years.
Surprised Greyhawk was so far down the list of worlds, but I suppose it was probably getting pretty old for people by 91 (or maybe I just like it too much).
- March 18, 2009 at 8:03 AM
- Samuel Van Der Wall said...
Talislanta and TORG! Two great games that are a blast from the past. Nice list. I had a great time thinking about some of the older games that I used to play long ago.
- March 18, 2009 at 9:11 AM
- thanuir said...
Ars Magica as sword and sorcery fantasy? A strange classification, I must admit.
- March 18, 2009 at 10:08 AM
- jerm said...
I belatedly nominate FUDGE for top universal systems.
- March 18, 2009 at 10:19 AM
- Zachary The First said...
@Hammer: I tend to agree. I was glad to see Greyhawk make the cut, meaningless as it is.
@thanuir: No doubt, there are some odd classifications. That's one I wanted to comment on, but waited for someone else to do it. They lump an awful lot under Sword n' Sorcery.
@Samuel: Talislanta and Torg both have a dedicated fanbase still, though it is much, much diminished, I suppose.
@jerm: Maybe if they ever make an updated Heroic Worlds? :)
- March 18, 2009 at 10:33 AM
- Jeff Rients said...
Wait, wait, wait...there is a GURPS book for the Prisoner?
That excites me far too much
I have it and I friggin' love it.
- March 18, 2009 at 11:08 AM
Very interesting. I'm surprised that Chill is not listed in the "Horror" category, and that Star Frontiers is not mentioned under any of the sci-fi categories. Or was that already out of print by 1991?
- March 18, 2009 at 12:02 PM
- stu said...
no cp2020 or even cp2013?? :( me sad
- March 18, 2009 at 12:41 PM
- thanuir said...
The sword & sorcery seems to stand for fairly generic fantasy.
Personally my inclination would be to look at Pendragon and Ars Magica in the same context; fairly historical fantasy.
- March 18, 2009 at 1:56 PM
- Zachary The First said...
thanuir: I'd agree with you on both those games.
- March 18, 2009 at 2:33 PM
- Scott said...
I've played 22 of those and recommend 12 of them...
- March 20, 2009 at 1:36 PM
- Tessa said...
I recently came accross your blog and have been reading along. I thought I would leave my first comment. I don't know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.
- April 2, 2009 at 12:54 AM


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Floral Blouson Dress
A modern way to wear a floral print—an of-the-moment silhouette with a bateau neckline, dolman sleeves and ombré border. Wrinkle-resistant matte jersey dress packs beautifully. Shell: 95% Polyester, 5% Spandex. Lining: 100% Polyester. Machine wash or dry clean. Imported.
- Relaxed fit. Pull on over head.
- Floral print front and back. Elastic drop waist. 3/4-length sleeves; bra strap guides inside shoulders.
- Lined bodice.
- Length: 35.5".
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Processing Time - Orders typically ship in 2-5 business days. Transit via UPS Ground can take up to 6 business days. Braided and custom-made products may take 2 to 3 weeks for delivery.
Free Shipping to Contiguous United States - We do not ship to Alaska, Hawaii or the Caribbean Islands at this time.
Oversized items - Orders that ship freight may take up to 2 weeks from shipment date to be delivered. You will be contacted by the trucking company to schedule a delivery appointment.
Shipping to Canada - Orders shipping to Canada will be subject to a 15% shipping surcharge fee. The shipping surcharge does not cover duties, customs, taxes or brokerage fees which may be charged to you by the shipping courier at time of delivery. At this time we are not shipping to Yukon and the Northwest Territories in Canada.
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Rugs America Millenium 4665 Hawaiin Breeze Rug
Item #: 2634665C-P Add to Wishlist
Description: The Millennium collection is the most breathtaking contemporary floor covering product in today's market. With a limelight on the most fashion forward colors, a matchless and elegant set of contemporary designs has been skillfully crafted into a superlative home fashion product. Washed several times for extra shine, multiple textures have been utilized with a combination of premium wool and mixed yarns to help create this timeless contemporary masterpiece. Hand crafted in India.
- Collection: Millenium
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The color looked much more green online --though now the picture on the review page looks blue. Quality seemed good but I had to return it because of color. AND, it had a very funky chemical smell. I would have probably returned it for that reason alone if it didn't dissipate in 24 hrs.RECOMMENDED: No, I would not recommend this to a friend.
beautiful rug; need bigger size.RECOMMENDED: Yes, I would recommend this to a friend.
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Gift Certificates
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Not only are these handy tote bags attractive and sturdy, they're practical and economical as well. You man want more than one. This small tote is a perfect compliment to the larger Eden Organic Cotton Canvas Bag or any large tote bag. Great for work, school, or outings. Perfect for lunches, snacks, children' arts and crafts and small toys, golf balls, car keys, sunglasses, wallets, and more.
Machine washable for long-term use. To clean simply machine wash with cold water and hang to dry.


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Israeli Family Community Sundays$$$
92nd Street Y
1395 Lexington Ave., New York NY 10128
View Map
- Time: 4:00 pm - 6:00 pm
- Phone: 212.415.5770
- Email: firstname.lastname@example.com
- Website: http://92y.org/israeliness
Bi-weekly programming for Families with children age 6 months-2nd grade
92Y Israeliness is a vibrant, growing and authentically Israeli community- a homey, familiar space to share our childhood experiences, unique culture, Jewish heritage and language with our children. Through music, the arts, sports, workshops, classes and festivals, Israeli mifgashim occur frequently, even on American soil, at 92Y. For more information, please visit 92y.org/israeliness


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Tuesday, 18 Mar 2014 06:38 PM
By Angela Deines
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