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Does your insurance company advertise on TV? If so, they're spending your money on ads, not protecting you. You need this service!
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89 backers pledged $20,110 to help bring this project to life.

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"There's no carfax for insurance...There’s been no way – until now – to judge which products perform better than others.  Are you in Good Hands?  Do you have a Good Neighbor?  Maybe.  But how do you know?"
"There's no carfax for insurance...There’s been no way – until now – to judge which products perform better than others. Are you in Good Hands? Do you have a Good Neighbor? Maybe. But how do you know?"
The Mercury News writes that following a career in high-technology, Karr has become "a crusading writer and entrepreneur who markets his own message in the information age."
The Mercury News writes that following a career in high-technology, Karr has become "a crusading writer and entrepreneur who markets his own message in the information age."
Insurance rating system will "create transparency and competitiveness benefitting the industry, customer(s) and shareholder(s)."
Insurance rating system will "create transparency and competitiveness benefitting the industry, customer(s) and shareholder(s)."

Seven years ago, I was hit by a car and seriously injured. It was a nightmare for me and my entire family. What I didn’t know was that my insurance companies were about to create a "second nightmare."

Even though I was fully insured by well known insurance companies, after the accident I was left with nearly $100,000 in medical bills because both auto insurance and health insurance did not want to pay. This "second nightmare" problem drives many into financial ruin. I've dedicated myself to stopping the insurance companies from ruining millions of peoples lives. The Injured Money website and custom software will expose the insurance companies that are poor at paying claims and compensating for losses and recommend those that are good. For the first time, consumers will know the quality of the protection before buying the policy.

Finally, you can know before an accident occurs, even before you buy insurance, how good the insurer is about paying claims.
Finally, you can know before an accident occurs, even before you buy insurance, how good the insurer is about paying claims.

This sounds obvious, right? Before you buy a car, you check the reviews and ratings to see how the car performs. However, many American families spend more than a half-a-million dollars on insurance in their lifetime and they have no idea how well their insurance companies will perform when they need them most. This is because insurance companies have never been rated based on how well they pay claims. We can change that! 

With the system I've developed, you can see how good any given insurance company is at paying claims and loss compensation in comparison to other insurance companies. When tragedy strikes, you don't want to be insured by the company that will keep your money, but with an insurance company that honors their promise to protect you.

You will be shocked to discover that many of the worst companies are the ones that are every day names. Yes, the same companies whose jingles we hum and whose ad personalities we instantly recognize simply by the sound of their voice or their first name. Even more shocking is that how well these companies pay claims depends on where you live. This means that perceptions about insurance companies -- good or bad -- are often wrong. 

There are 140 million people in the U.S. that are one accident from financial ruin. An accident is devastating enough. An insurance company delaying or denying a claim is the "second nightmare," a nightmare that couldn't come at a worse time. It's also a nightmare that no one should have to experience. Surprisingly, when one insurance company would pay only $10,000, another would pay $100,000 for the same accident.

I strongly believe everyone should be able to know how good their insurance company is when it comes to paying a claim. Injured Money can tell you how good your company is and make recommendations for companies that are better in your local market. Those that pledge $29 for the SMART SHOPPER reward will receive the deluxe report with everything listed above, a $60 retail value. Best of all, the reports are based on the financial reporting of the insurance companies, ensuring the data is accurate.

The development work of our sophisticated, cloud-based, data-mining software is complete and the website consumers will use to access the information is online. The funds from this campaign will be used to collect the data needed to deliver reports to anyone living in the U.S. The $20,000 launches a nationwide auto insurance rating service. Please help us bring this service to every person in America.

As a bonus, the software we've developed works for many types of insurance. If more than $20,000 is pledged, we will offer rating services for other types of insurance, including: health, home, disability, etc. Check out our rewards and pledge what you can. Thank you for your help.

Below are samples of the first two pages of the deluxe auto report. This is a six page report you will receive comparing your auto insurance company with three recommended companies serving the market where you live. This report comes with only a $29 pledge. 

First page (1 of 6) of the auto report. The first page rates your auto insurance company.
First page (1 of 6) of the auto report. The first page rates your auto insurance company.

Below is an example of another page of the auto report. This report makes recommendations on the best companies in your local market. 

Second page (2 of 6) of the auto insurance report. This page gives three recommendations for the best auto insurance companies serving the market where you live.
Second page (2 of 6) of the auto insurance report. This page gives three recommendations for the best auto insurance companies serving the market where you live.

With only a $29 pledge, you will receive this complete report. For $99 you can receive one for you and four friends or family members that you care about.

Below is an image of the full report.

Image of full report you will receive with a pledge of only $29.
Image of full report you will receive with a pledge of only $29.

Industry Supporters

"Comparing rates is just one element of shopping for insurance. It is also important to evaluate the insurance companies history of paying claims. The Injured Money Insurance Rating service makes this process easy and is a great resource for those seeking to compare how insurance companies perform at paying claims compared to other insurance providers." Vince Shorb, CEO, National Financial Educators Council

"United Policyholders helps thousands of people every year that suffer tragedies and struggle to get full and fair compensation from their insurance companies. This is a very big problem in America. A rating system that exposes the bad actors and reveals the good will greatly alleviate the heartache and economic devastation we see every day. Once people have a way (before tragedy strikes) to buy insurance from the companies that deliver on their promises, we should see a huge drop what many refer to as the "second nightmare" problem. Amy Bach, Executive Director, Co-Founder, United Policyholders

"As a past CEO for many public and private companies, I find it shocking that the Insurance industry may be the only market in the world that doesn’t measure, report and work to improve product quality. No wonder the insurance industry is in the state it is today. There is no reason to improve because no one is measuring how they perform. Providing a measured product quality rating will benefit everyone who buys insurance." Mike Gulett, founder and author, mycarquest.com. Retired CEO

"As someone who works in the insurance industry, this is a watershed event. The idea of a product quality rating applies broadly to the insurance industry and will benefit everyone, no matter where they live, who they buy their insurance from or how much insurance they carry." Tony Steuer, tonysteuer.com, Insurance Literacy Expert, CLU, LA, CPFFE

Risks and challenges

Risk 1 - Insurance is a trillion (one billion times one thousand) dollar industry that has been exempt from federal regulations and anti-trust laws for 69 years (that's why you pay too much and get too little service). This is an industry that is not accustomed to transparency. This rating system exposes the bad actors and rewards the good ones. This is information that has never before been available to consumers. As a result, there will be companies that will want to keep consumers in the dark about their business practices.

What actions the individual companies, or the insurance industry, takes to stop people from learning which companies are good and bad about honoring their promise to protect is unknown. While I know we have worked diligently to be thorough, I cannot promise we've anticipated every possible scenario a trillion dollar industry could employ in attempting to stop this campaign from bringing you information you should know, and deserve to know. We work to address this risk with a team of lawyers, IT experts and insurance actuaries to make sure every action we take, and every service we develop, is well thought through and that we do our best to anticipate the resistance from the insurance industry.

Risk 2 - The data collection and organization is a significant task for each service, auto, health, home, etc.. This could lead to production delays. If we achieve a funding level to provide multiple services we will manage this risk by bringing the services to market sequentially, starting with auto. Follow-on services could be health, home, disability, life, etc.

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Support

  1. Select this reward

    Pledge US$ 5 or more About US$ 5

    I WANT TO HELP STOP AMERICANS FROM GETTING RIPPED OFF BY INSURANCE COMPANIES: Express your support. In return, you will get a .PDF version of author and consumer advocate, Dan Karr's upcoming 25-page book, "Fully Insured, Claim Denied" and your name listed on the Injured Money website as a backer.

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  2. Select this reward

    Pledge US$ 9 or more About US$ 9

    TAKE 'EM or LEAVE 'EM: Get your custom Auto Insurance report reviewing your auto insurance company, where you live. This detailed information will help you decide if you are with the right insurance company. HINT: if they advertise on TV you should get a copy of this report. You will also get a .PDF version of Dan's next book, "Fully Insured, Claim Denied" and your name listed on the Injured Money website as a BACKER. Retail value, $18.

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  3. Select this reward

    Pledge US$ 15 or more About US$ 15

    SAME LAWS FOR ALL: If you believe insurance companies should be required to follow the same laws as every other business, this pledge is for you! For the last 69 years, insurance companies have been exempt from federal regulation, including anti-trust laws. That's why you pay more than you should for insurance, of all types. With this pledge your name will be printed in the 25-page book "Fully Insured, Claim Denied," and you will be listed on the backers page of the Injured Money website in the section SAME LAWS FOR ALL.

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  4. Select this reward

    Pledge US$ 19 or more About US$ 19

    HEALTHY HEALTH INSURANCE: Big changes are coming in healthcare. Whether your employer provides coverage or you are getting sent to the Obamacare exchanges, find out which of your options are best. This custom report let's you choose which companies to compare, then provides side-by-side service quality ratings for just those companies you care about. Service quality ratings are based on a database of more than 20,000 formal complaints by customers like you. You will also get a .PDF version of Dan's next book, "Fully Insured, Claim Denied" and your name listed on the Injured Money website as a BACKER. Retail value, $48.

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  5. Select this reward

    Pledge US$ 25 or more About US$ 25

    SAME LAWS FOR ALL, PERSONALIZED COPY: In addition to the SAME LAWS FOR ALL rewards, you will receive a copy of "Fully Insured, Claim Denied" personally signed by the author, consumer advocate, Dan Karr.

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  6. Select this reward

    Pledge US$ 25 or more About US$ 25

    ANNUAL CHECKUP: Get the LOVE 'EM or LEAVE 'EM and the HEALTHY HEALTH INSURANCE, both, for only $25. You will also get a .PDF version of Dan's next book, "Fully Insured, Claim Denied" and your name listed on the Injured Money website as a BACKER. Retail value, $63.

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  7. Select this reward

    Pledge US$ 29 or more About US$ 29

    SMART SHOPPER: Get your personalized, deluxe Auto Insurance report. This is the most detailed report, a $60 value that we are offering to Kickstarter supporters for only $29. For the first time ever, you can know which companies are best about paying claims vs. delaying and denying claims. This detailed information will help you decide if you should switch insurers. You will also get a .PDF version of Dan's next book, "Fully Insured, Claim Denied" and your name listed on the Injured Money website as a SMART SHOPPER.

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  8. Select this reward

    Pledge US$ 39 or more About US$ 39

    SUPPORTER: We will reprint the book "Injured Money" with your name printed in the book as a SUPPORTER. We will also send you a copy personally signed by author and consumer advocate, Dan Karr. As stated by a reader who was hit by a drunk driver before reading the book, "Not only should every driver read Injured Money, but after reading it, he/she should stow a copy in the glove box." You will also be listed on the backers page of the Injured Money website as a SUPPORTER.

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  9. Select this reward

    Pledge US$ 99 or more About US$ 99

    REVOLUTIONARY: This pledge earns you the SMART SHOPPER deluxe auto insurance report plus the personalized copy of "Fully Insured, Claim Denied" that comes with the SAME LAWS FOR ALL pledge as well as the personalized copy of "Injured Money" that comes with the SUPPORTER pledge. Both books will be personally signed by author and consumer advocate, Dan Karr. As special recognition of your support you will be listed in the books and on the backers page of the website as a REVOLUTIONARY.

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  10. Select this reward

    Pledge US$ 99 or more About US$ 99

    PAY IT FORWARD: With the holidays approaching, you can pre-order five (5) deluxe auto reports (described in the SMART SHOPPER reward) for family or friends and receive significant savings. Help the people you care about avoid the "second nightmare" by acting now. This is a $300 retail value for $99. You will also receive a .PDF of "Fully Insured, Claim Denied" and be listed on the backers page of the website under PAY IT FORWARD.

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  11. Select this reward

    Pledge US$ 199 or more About US$ 199

    FRIEND IN NEED: In addition to rewards that come with the REVOLUTIONARY pledge, you will also have the opportunity to share with Dan your "second nightmare" situation. Dan will blog about what has happened to you, using the power of the "Injured Money" blog to help bring resolution. You will be listed in a special section of both books and the backers page designating you as a REVOLUTIONARY level supporter.

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  12. Select this reward

    Pledge US$ 500 or more About US$ 500

    BRONZE: In addition to rewards that come with the REVOLUTIONARY pledge, You will be listed in a special section of both books and on the backers page of the website designating you as a BRONZE level supporter.

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    Pledge US$ 1,000 or more About US$ 1,000

    SILVER: In addition to rewards that come with the REVOLUTIONARY pledge, you will also have the opportunity to speak with Injured Money author and consumer advocate Dan Karr about your "second nightmare." Dan will spend up to three hours working with you on how you can best resolve the situation. You will be listed in a special section of both books and the backers page designating you as a SILVER level supporter.

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    Pledge US$ 6,000 or more About US$ 6,000

    GOLD: In addition to rewards that come with the REVOLUTIONARY, pledge, Injured Money author and consumer advocate Dan Karr will come to visit you anywhere in the continental U.S. You will enjoy a nice dinner together while discussing how to best create tools that help consumers navigate the overly complex world of insurance. You will receive a plaque designating you as a GOLD level supporter. You will also be listed in a special section of both books and the backers page of the website designating you as a GOLD level supporter.

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    Pledge US$ 10,000 About US$ 10,000

    PLATINUM: In addition to the rewards of the REVOLUTIONARY pledge, Injured Money author and consumer advocate Dan Karr will speak at your next business function or meeting about the state of the insurance industry and how underdog consumers are fighting back against companies that refuse to pay claims. In addition, you will receive up to 25 signed copies of the book that started it all, Injured Money. You will also receive a plaque designating you as a PLATINUM supporter as well as be listed in both books and the website as a PLATINUM supporter.

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Funding period

- (30 days)