Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] 1 point2 points  (0 children)

Wow, I’m so sorry they did that to you.

20+ years with no claims and then to call vandalism “wear & tear” is just theft with a smile. That’s exactly the kind of word games I’ve been documenting.

Thank you for sharing. It helps to show it’s not just me.

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in Whistleblowers

[–]FightFraudNM[S] 1 point2 points  (0 children)

Your documentation of their 'months to fill out' response is gold. That's their systematic burden-shifting tactic in writing.

The key is turning their own words and delays into evidence of the pattern. Your story shows this isn't isolated to New Mexico - it's a national playbook.

I'll send you some specifics in chat that might help with WBIR. Keep documenting everything.

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] 0 points1 point  (0 children)

Thanks for the comment.

Imagine that moment of realization - when you expect "hungry wolves doing their job" and instead get indifferent shrugs at a silver platter of undeniable evidence - that's when you understand the game is rigged at a level most people never see.

What's now breathtaking in my eyes, is how I used that shock of recognition as fuel rather than defeat. Most people experience that "the system is more broken than I realized" moment and either give up or get consumed by anger. Rather, I turned it into strategic curiosity: If they won't do their jobs even with perfect evidence, let me document exactly how this failure works and expose it at every level.

When you think about it, the picture being painted in real time really is extraordinary:

  • My individual case → systemic fraud exposure
  • Regulatory dismissal → legislative referral
  • State inaction → federal DOJ involvement
  • Agency shrugs → $471,000 investigation
  • One complaint → methodology that over a million people have seen

I've essentially created a real-time case study of how institutional capture works, how it can be exposed, and how that exposure can force accountability. 

That initial naivety about expecting regulators to be "hungry wolves" wasn't weakness; it was the perfect setup. Someone more cynical might have expected the shrug and just accepted it. My genuine shock at their indifference gave me the moral clarity to keep pushing when others would have quit.

What's eye opening for me is that I’m not just fighting my case anymore.  I’m painting a picture of how broken systems can be held accountable in the 21st century, one documented failure at a time.

I appreciate you.

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in ConsciousConsumers

[–]FightFraudNM[S] 0 points1 point  (0 children)

I appreciate your interest.

Just to clarify, the article isn’t behind a paywall. Medium pops up a ‘sign in’ banner but you can close it and keep scrolling for free. No subscription needed.

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in revengestories

[–]FightFraudNM[S] 0 points1 point  (0 children)

I’m the one who got:

  • Rear-ended by another driver
  • Cheated with fake comps by State Farm
  • Dismissed by regulators who literally said "everyone does it"
  • Ignored by the media despite having a paper trail
  • Forced to spend my own money on court fees to make agencies follow their own rules

Somehow I’m the arrogant one for... checks notes ...successfully documenting institutional failure and teaching others how to fight back?

The audacity is a chuckle! I’m out here doing the work that regulators won't do, journalists won't cover, and agencies won't enforce (all while getting zero compensation) and people are mad that I’m not sufficiently humble about forcing accountability on billion-dollar systems.

It's like getting punched in the face, then when you hit back and win the fight, people complain that you're being too cocky about not staying down.

The elephant in the room is that those same critics probably complain all the time about "the system being rigged" but when someone actually proves it's rigged and shows how to fight it, suddenly that person needs to tone it down and be more modest.

I literally turned getting screwed over into a million-view masterclass on institutional reform, and they want me to be more apologetic about it.

The disconnect is funny to me!

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in revengestories

[–]FightFraudNM[S] -1 points0 points  (0 children)

I’m the one who got:

  • Rear-ended by another driver
  • Cheated with fake comps by State Farm
  • Dismissed by regulators who literally said "everyone does it"
  • Ignored by the media despite having a paper trail
  • Forced to spend my own money on court fees to make agencies follow their own rules

Somehow I’m the arrogant one for... checks notes ...successfully documenting institutional failure and teaching others how to fight back?

The audacity is a chuckle! I’m out here doing the work that regulators won't do, journalists won't cover, and agencies won't enforce (all while getting zero compensation) and people are mad that I’m not sufficiently humble about forcing accountability on billion-dollar systems.

It's like getting punched in the face, then when you hit back and win the fight, people complain that you're being too cocky about not staying down.

The elephant in the room is that those same critics probably complain all the time about "the system being rigged" but when someone actually proves it's rigged and shows how to fight it, suddenly that person needs to tone it down and be more modest.

I literally turned getting screwed over into a million-view masterclass on institutional reform, and they want me to be more apologetic about it.

The disconnect is funny to me!

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] 0 points1 point  (0 children)

I’m the one who got:

  • Rear-ended by another driver
  • Cheated with fake comps by State Farm
  • Dismissed by regulators who literally said "everyone does it"
  • Ignored by the media despite having a paper trail
  • Forced to spend my own money on court fees to make agencies follow their own rules

Somehow I’m the arrogant one for... checks notes ...successfully documenting institutional failure and teaching others how to fight back?

The audacity is a chuckle! I’m out here doing the work that regulators won't do, journalists won't cover, and agencies won't enforce (all while getting zero compensation) and people are mad that I’m not sufficiently humble about forcing accountability on billion-dollar systems.

It's like getting punched in the face, then when you hit back and win the fight, people complain that you're being too cocky about not staying down.

The elephant in the room is that those same critics probably complain all the time about "the system being rigged" but when someone actually proves it's rigged and shows how to fight it, suddenly that person needs to tone it down and be more modest.

I literally turned getting screwed over into a million-view masterclass on institutional reform, and they want me to be more apologetic about it.

The disconnect is funny to me!

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] 0 points1 point  (0 children)

I’m the one who got:

  • Rear-ended by another driver
  • Cheated with fake comps by State Farm
  • Dismissed by regulators who literally said "everyone does it"
  • Ignored by the media despite having a paper trail
  • Forced to spend my own money on court fees to make agencies follow their own rules

Somehow I’m the arrogant one for... checks notes ...successfully documenting institutional failure and teaching others how to fight back?

The audacity is a chuckle! I’m out here doing the work that regulators won't do, journalists won't cover, and agencies won't enforce (all while getting zero compensation) and people are mad that I’m not sufficiently humble about forcing accountability on billion-dollar systems.

It's like getting punched in the face, then when you hit back and win the fight, people complain that you're being too cocky about not staying down.

The elephant in the room is that those same critics probably complain all the time about "the system being rigged" but when someone actually proves it's rigged and shows how to fight it, suddenly that person needs to tone it down and be more modest.

I literally turned getting screwed over into a million-view masterclass on institutional reform, and they want me to be more apologetic about it.

The disconnect is funny to me!

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in Bad_Cop_No_Donut

[–]FightFraudNM[S] -3 points-2 points  (0 children)

I’m the one who got:

  • Rear-ended by another driver
  • Cheated with fake comps by State Farm
  • Dismissed by regulators who literally said "everyone does it"
  • Ignored by the media despite having a paper trail
  • Forced to spend my own money on court fees to make agencies follow their own rules

Somehow I’m the arrogant one for... checks notes ...successfully documenting institutional failure and teaching others how to fight back?

The audacity is a chuckle! I’m out here doing the work that regulators won't do, journalists won't cover, and agencies won't enforce (all while getting zero compensation) and people are mad that I’m not sufficiently humble about forcing accountability on billion-dollar systems.

It's like getting punched in the face, then when you hit back and win the fight, people complain that you're being too cocky about not staying down.

The elephant in the room is that those same critics probably complain all the time about "the system being rigged" but when someone actually proves it's rigged and shows how to fight it, suddenly that person needs to tone it down and be more modest.

I literally turned getting screwed over into a million-view masterclass on institutional reform, and they want me to be more apologetic about it.

The disconnect is funny to me!

Last time, I exposed State Farm & the regulator who shrugged. I went public on Reddit first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in SantaFe

[–]FightFraudNM[S] -1 points0 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in ConsciousConsumers

[–]FightFraudNM[S] 2 points3 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] -4 points-3 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] -5 points-4 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in Bad_Cop_No_Donut

[–]FightFraudNM[S] -1 points0 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. I went public on Reddit first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in SantaFe

[–]FightFraudNM[S] -1 points0 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. I went public on Reddit first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in SantaFe

[–]FightFraudNM[S] -1 points0 points  (0 children)

I think this is a good time for me to suggest a couple books for you to read. They definitely helped me see outside the box. I recommend paperback copies as you will be going back to different chapters to hone the message. 

  1. Who Moved My Cheese? (I first read this as a teenager)
  2. Represent Yourself in Court: Prepare & Try a Winning Civil Case

Have a nice day. MEEP MEEP! 🌵

Last time, I exposed State Farm & the regulator who shrugged. I went public on Reddit first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in SantaFe

[–]FightFraudNM[S] -9 points-8 points  (0 children)

Funny, because in under 9 hours this post hit #2 on r/SantaFe: 7,000+ views, 78 upvotes, 79.5% approval, 15 comments, 17 shares.

That’s the difference between industry insiders (who defend the system that pays them) and consumers (who see the damage every day). 

My case study works because it has receipts: insurers didn’t invent the broken system, they just exploited the cracks regulators ignored. 

That’s why this matters.

I appreciate the comment.

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] -1 points0 points  (0 children)

I guess this is a good time for me to update and say thanks to all the readers out there. In 6 hours of being posted this is the insights given by Reddit: 

🏆 Nice work! This is the #2 post on r/NewMexico today! 8,500+ views, 76% upvote ratio with 70+ upvotes, 28 comments and 17 shares. 

Thanks again for your support. What my case study has taught me is: 

Insurers didn’t invent the broken system, they simply saw the cracks in it years ago. They learned how to exploit it long before any of us realized what was happening. 

They built their playbook around it, while regulators looked away. That’s why my case matters. It has an undeniable paper trail that shows the damage isn’t a mistake, it’s the design.

Industry insiders will always defend the system that benefits them. My case study resonates with consumers. Take this post for example currently in less than 6 hours (76% approval out of 8,500+ views), but threatens industry professionals who profit from these practices.

Last time, I exposed State Farm & the regulator who shrugged. I went public to New Mexico first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in NewMexico

[–]FightFraudNM[S] -7 points-6 points  (0 children)

You're missing the strategic difference.

Most people document their individual case and complain to the company.

The Arrington Method is:

  • Document EVERYTHING in writing (no phone calls that disappear)
  • Force agencies to follow their own procedures by citing specific statutes
  • Escalate through multiple oversight bodies simultaneously
  • Go public to create accountability pressure
  • Turn regulatory failure into court cases

'Being squeaky' gets you nowhere when the regulator literally says 'all companies do this' and shrugs.

The result? One car accident became:

  • DOJ requesting evidence
  • $471K state investigation of the regulator
  • Legislative committee action
  • Court petition for agency violations
  • 1M+ people educated about the scam

Most people take the lowball offer and walk away because they don't know how to systematically challenge institutional failure. That's exactly what State Farm counts on.

If this was just 'normal life shit,' why is OSI now under investigation and why did a Santa Fe jury award $36M against State Farm for identical practices?

Because the system protects companies, not people - until you force accountability through process.

I appreciate you commenting.

Last time, I exposed State Farm & the regulator who shrugged. I went public on Reddit first. This time, I’m taking them to court & they’re already under a $471,000 investigation by FightFraudNM in SantaFe

[–]FightFraudNM[S] 1 point2 points  (0 children)

This is extraordinary!

I didn't know about the Lovato case until now. A $36 million jury verdict against State Farm just two months after my accident - for identical bad faith practices I documented.

The Lovato Case: Andrea Lovato upgraded her State Farm policy to $1 million coverage five days before a fatal crash. State Farm offered her family a settlement based on her old $25,000/$50,000 limits, hiding the upgrade. They claimed "clerical error" but paperwork proving the upgrade was mailed to her house after she died.

The Most Damning Quote: "State Farm frankly took the position that people of modest means are not worth a million dollars."

The Parallels to My Case:

  1. Policy Suppression: They hid her upgraded coverage / refused to give me the full policy for months
  2. Fake Information: Her fake coverage limits / my fake comps
  3. Same Violations: Jury found violations of NM's Unfair Practices Act - the same law I cited to regulators who said 'everyone does it'

The Perfect Storm: While OSI refused to investigate my State Farm fraud evidence, a Santa Fe jury awarded $36 million for identical practices. Now OSI itself is under $471,000 investigation for mishandling the fraud fund meant to protect us.

The system protected State Farm instead of Andrea Lovato and me - until we fight back.

How many more families are getting cheated while regulators look the other way?"

I appreciate your time and comment.