Insurance Rate Manipulation
by False Data
What follows is a documented, chronological record of how Dairyland Insurance — a subsidiary of Sentry Insurance — denied valid claims, attributed false fault determinations, and imposed a 130% rate increase using data its own internal system contradicts. The CEO was formally notified. Nothing was corrected.
The Denials — UM Coverage Refused Twice
Following the October 11, 2024 I-15 collision, Jessica Markle filed an uninsured motorist bodily injury claim under policy #96A420711-859 with Dairyland Insurance (Viking Insurance Company of Wisconsin). She was denied twice — both times relying solely on the police report as the fault determination.
- Feb 20, 2025: Dairyland finds Jessica 100% at fault. Sole basis: police report statement that she “looked down at her speedometer.” UM claim denied. Claim #96A420711-859.
- Apr 15, 2025: Second denial. Dairyland now reclassifies the Enterprise rental truck as “uninsured” to create a new denial angle. Still no independent fault investigation performed.
- California pure comparative negligence standard cited — but no comparative analysis applied. Zero percent fault assigned to the commercial semi driver.
- Both denials sent via certified mail. Both received and on file.
“Because you were found at fault for the loss and the vehicle you were driving was uninsured, Joshua qualified for an uninsured motorist bodily injury claim, as he was an innocent party to this loss.” — Dairyland denial letter, April 15, 2025
Direct quote from Dairyland denial · Claim #96A420711-859 · Apr 15, 2025The Contradiction — Their Own System Tells a Different Story
On January 24, 2026, a screen recording of Dairyland’s own insurance portal captured what their denial letters never disclosed: Dairyland’s internal system shows Jessica Markle as NOT at fault for the October 11, 2024 collision — the exact same incident they denied her coverage on, citing 100% fault, twice.
The same system simultaneously shows Joshua Markle as at fault for an August 4, 2025 incident — an incident that GEICO’s own representative confirmed on recorded audio was vandalism, not an accident. Not at fault. Not an accident.
- Jessica Markle: NOT AT FAULT — 10/11/2024 collision. Internal system coding.
- Joshua Markle: coded AT FAULT — 8/4/2025 “vandalism” incident. Used to justify rate increase.
- The 8/4/2025 incident was confirmed as vandalism — not an accident — by GEICO on recorded audio.
- Screen recording is unedited. Timestamped. January 24, 2026. No metadata alterations.
- Recorded audio of Dairyland agent confirming Jessica not at fault for 10/11/2024 — same call, same date.
Their denial letters say 100% at fault. Their own system says not at fault. Both cannot be true. One of them was used to deny a valid claim. One of them was used to raise rates 130%.
Documented contradiction · Dairyland internal system vs. external denial letters · Jan 24, 2026The Rate Hike — 130% Increase Built on False Data
Using the false fault attribution in their own system — a non-accident coded as an at-fault accident, and a crash their own system marked not-at-fault — Dairyland imposed a 130% insurance premium increase. The screen recording captures this in real time. Unedited. No cuts.
Built on fault data Dairyland’s own system contradicts. Annual premium jumped to $2,359.32 on the basic plan. Premium data captured in unedited screen recording — quote.dairylandinsurance.com — January 24, 2026.
- Basic plan: $201.12 down + 11 payments of $196.20 = $2,359.32/year
- Rate increase driven by two fault attributions — one a non-accident (vandalism), one internally marked not-at-fault
- January 31, 2026 screen recording also captures Dairyland’s own portal confirming the contradictory fault data in real time
- Progressive rate impact also documented for the same period — links to be added
The CEO Was Formally Notified — Nothing Was Corrected
On March 3, 2026, Joshua Markle sent a formal written notice directly to Pete McPartland, CEO of Sentry Insurance — Dairyland’s parent company — via his executive assistant Amanda Giese (amanda.giese@sentry.com), who confirmed delivery to Mr. McPartland.
The letter documented every discrepancy. It requested executive review of the fault determination, the denial of coverage, the accident coding, and the full claims handling timeline. It requested acknowledgment within one business day and a substantive response within five. The rate increase was not corrected. The false data was not addressed.
- Review of fault determination assigned to Jessica Markle and the evidence basis for it
- Review of denial of UM benefits under purchased coverage and the legal standing behind it
- Review of accident coding attributed to Joshua Markle’s record and the data source
- Full claim handling timeline and documentation sequence
- Executive assistant confirmed the letter reached Mr. McPartland. No substantive correction was made. No rate adjustment. No fault determination reversal.
“Insurance is not a favor extended to policyholders. It is a contractual obligation paid for in advance. When families are at their most vulnerable, coverage is supposed to function — not require the insured to fight for it while recovering from surgery… Either way, this matter will not remain buried in correspondence files. Transparency protects everyone — including you.”
Joshua Markle · Notice to Pete McPartland, CEO Sentry Insurance · March 3, 2026This is a documented public interest disclosure. All claims on this page are supported by correspondence, screen recordings, audio recordings, and written denial letters on file. If you are a Nevada resident who has experienced similar insurance premium increases following disputed claims, or if you are a journalist, attorney, or regulator who wants to verify this record, contact legal@projectblackphoenix.com. All evidence is available for verified review. NRS 41.637 Anti-SLAPP protections apply.
