Allstate Insurance

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1.4 out of 5, based on 24 ratings and
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There ARE Good Mechanics Out There
Posted by on
PHOENIX, ARIZONA -- Allstate Transmission & Auto Repair rebuilt the transmission on my 2000 Ford Expedition on April 1, 2010. My Expedition (4x4) had (at that time) over 150,000 miles on it and couldn't be driven over 35 miles per hour or it would stall going into the next gear. They are knowledgeable, trustworthy and timely. They were by far the best price I could find, charging me $1195 and on their website offer coupons, so they took off another $123. The warranty was 12,000 miles or a year, whichever came first. It has been almost 16 months later (and now I have over 214,000 miles) and it is running great. I did have to take the truck back in last week and they replaced the brakes, charged my air conditioner and put in a brand new radiator. Like the last work performed, they were very affordable and timely. The truck is running great! I highly recommend them to everyone. Thank you Allstate Transmission & Auto Repair! You have a lifetime customer!
     
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Skye on 07/17/2011:
What a wonderful review! It's good to know there are still great honest mechanics out there.
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StarStarStarStarStar
Great Service
Posted by on
Rating: 5/51
We have been with Allstate since 2003, and our truck had the same scratches and dings Sunday that it had when we bought it. We were in what we call our 'office' Sunday, on our computers, when we heard a crash and our truck's alarm started sounding. Someone visiting across the street had hit our truck with a Honda 750 motorcycle (I thought it was one of the big V-Twins.) We had two patrol cars, a fire truck and two ambulances on scene in short order. The rider, whom I suspect was a new rider had lost control and messed up the entire right side of our truck. I was sick. We called the 24-hour line for Allstate, and an adjuster was here Tuesday about noon. By the time he left, an appointment was made at a local body shop that is part of a Chrysler dealership, and we found we would not have to pay a deductible. The estimate was for just over $2700. Monday, we take the truck in, and they will have it for 6-8 days. Everyone was great, and the adjuster carefully explained so we would understand the entire process. I wish I could use the adjuster's name, but he is fantastic.
     
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User Replies:
Anonymous on 04/11/2012:
Great review Star! It's always nice to hear the insurance company doing what you pay them to do.
jktshff1 on 04/11/2012:
+100
Alain on 04/11/2012:
Good to see a compliment about an insurance company that's legitimate! Good review, Starlord!
CrystalSword on 04/11/2012:
ok4now on 04/12/2012:
I'm glad to hear that you were happy with Allstate's claim service. Did the onsite adjuster approve of OEM parts to do a quality repair or the cost saving (cheap) after market parts? Allstate is known to do the latter to save a buck. What happens if you accept the onsite adjuster's estimate & check only to find out that the body shop won't cut corners and do the repair for that price? This is why it's always better to make the adjuster go to the repair shop. They can argue better than you can to get the job done right.

Allstate is the worst if you are struck by one of their insured. This is why they are known as "Allsnakes" They try to deny almost every claim. If you are injured by one of their insured good luck collecting. They will use every delay tactic and excuse not to pay you. We just settled a lawsuit against them that took over 3 years. They are the worst!!
jktshff1 on 04/12/2012:
Be sure to alert the adjustor's superiors at Allstate about the job well done.
CrystalSword on 04/12/2012:
I did find out that the doors will be replaced with doors that are used but they are guaranteed for as long as we have the truck...I don't mind used as long as they are in decent shape and they do a good job of matching the paint. Metalflake red isn't always the easiest to match....and I'm thinking they'll have the paint, the truck is only a 2006
ok4now on 04/13/2012:
Crystal: Why are you accepting used parts for repair when you are paying a premium for new parts? This saves the insurance company money not you. You're not getting what you paid for. As far as the "guarantee" good luck collecting. The fine print and exclusions will make it worthless. You have every right to demand that only new OEM parts be used for the repair. Don't accept second best.
jktshff1 on 04/13/2012:
Crystal, OK is right, read the contract very carefully and if it's not spelled out have them redo it.
The used doors may have something to do with not having to pay the deductible.
ok4now on 04/13/2012:
So you don't think that I'm picking on Allstate most insurance companies try to get away with this. They will only approve cheap after market or used parts. Excuse me but my car came with new OEM parts and this is what I want it repaired with. If you don't question it and insist on the OEM parts they'll use after market or used parts for the repair. Again get what you paid for.
Starlord on 04/14/2012:
Doors are something that really really aren't much of a difference between new and used, escept in price. The move everything not affected by the collision from the damaged doors to the replacements. Ued doors coast about a quarter of what new doors would cost, and re-skinning the doors would cost even more. I once had a '66 Ford and had an accident where we both slid on ice on a curve. I forget what the insurance adjuster gave me, but it was over a grand. I went to a junkyard and got a doghouse off a '65 Ford for $25. It drove gas station guys nuts, but I thought it looked sharper. I have no heartburn with used doors.
Starlord on 04/14/2012:
I certainly did not mean to ignite an argument, I just meant to give Allstate an attaboy for good serviceI am sorry if you disagree with me about Allstate, but they have done right by us. We have not seen one thing that would change our minds. the adjuster showed me on his laptop the costs for new doors and used doors, as well as for re-skinning. It was my decision to go with the doors. Why would I feel comfortable sticking it to my insurance compan y when thy have treated us right? I am not a s**theel.
jktshff1 on 04/14/2012:
+100 Starlord
old bodyman on 03/21/2013:
Allstatehas recently become the worst in the business for using cheap Chinese aftermarket parts to save them money. They pressure everyone to go to their "approved" shops where they can dictate what parts are used, so they can save money on the claim.
Remember, their "approved" shop works for allstate and has to do what allstate tells them and is not allowed to even tell the vehicle owner what lesser value parts are used in the repair.
A legitimate shop works for you and has your interests in mind, not the interests of saving the insurance company money by installing inverior parts.Read the fine print and ask questions, best to work with a shop your know and trust.......
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You're not in good hands.
Posted by on
CALIFORNIA -- Http://www.youtube.com/laylafanucci2
Song I worte above: You're NOT in good hands:
ALLSTATE INSURANCE COMPANY’S BEST KEPT UGLY SECRET

Car Hits Twelve-Year Old Girl While Standing On Sidewalk
Our daughter was injured as a pedestrian in a serious car accident while standing on a sidewalk with a friend when an underinsured driver jumped the curb while making a left turn and hitting our daughter straight on, flying her up in the air where she landed on top of the car hood and was slammed to the ground as the car continued on driving down the road without any regard to our daughter’s well being. We learned from her doctors that she had sustained a brain injury resulting in cognitive impairment in addition to other physical injuries. Directly after the accident, she had to relearn simple math and forgot how to walk home from school as one of many examples. The accident occurred in 1997, and she has made substantial progress through great effort on her part and a relentless desire to get back what she had lost in the accident.
Allstate Denies Injury
Allstate contended that we had fabricated our daughter’s injury and we had convinced her that she had suffered a brain injury despite medical testimony to the contrary. Despite Allstate’s lowball offer of $15,000 to settle our daughter damage claim, the arbitrator awarded our daughter $1.4+ million dollars in damages for the injuries she sustained. Although Allstate represents that you are in “Good Hands,” they offered only $15,000 on a $1,400,000 injury under our Uninsured Motorist coverage. During the arbitration proceeding, Allstate was even able through their crafty lawyers to get their own expert to change his testimony whereby he had written a prior report that indicated that my daughter had suffered a closed-head injury and had suffered some degree of unconsciousness as a result of being hit by a vehicle as a pedestrian. Again, my daughter was hit by a vehicle, thrown on the vehicle’s hood, and was slammed to the ground as the driver drove off down the street without any regard to hitting my daughter. The Allstate expert changed his testimony during the arbitration hearing by indicating that my daughter did not suffer a loss of consciousness, which is often a material element in supporting a brain injury, since the force of a car hitting a pedestrian did not necessarily constitute sufficient force to render such an injury. These facts alone should speak volumes about what I consider Allstate’s deceptive insurance practices in denying claims to their own customers. This is precisely why Allstate has one of the lowest ratings of all insurance companies in the United States.
Inadequate Insurance Coverage
Although I was advised repeatedly that the Personal Umbrella Policy that I purchased in the amount of $1,000,000.00 applied to my daughter’s injury under the Uninsured Motorist provisions, Allstate prevailed in subsequent lawsuits through the appeal process, after we had won two prior verdicts, by convincing a jury that no such coverage ever existed with respect to Allstate’s Umbrella policy. Allstate never offered such protection although they advised me on several occasions it was my fault for not reading cover to cover my lengthy policy with more loop holes than Swiss cheese. Instead of $1,250,000 of protection, we only had $250,000.
Umbrella Policies and Uninsured Motorist Protection-Buyers Beware
When I purchased my Personal Umbrella Excess Liability Policy from Allstate Insurance Company, I was advised that the $1,000,000 million of additional Umbrella was in addition to my underlying $100,000 of Uninsured Motorist coverage, which was later increased to $250,000, as well as to my bodily injury portion. Subsequently, when I asked to increase my Uninsured Motorist coverage, I was advised by Allstate that all I had to do was simply increase my Umbrella from $1,000,000 to $2,000,000, which I did in order to protect my family in the event one of us were injured by an uninsured or underinsured motorists. Uninsured motorist coverage can be obtained at very little expense, and the protection to one’s family is of most importance due to the high number of uninsured and underinsured motorists in the State of California. This is precisely why certain insurance companies do not advise their insureds to get additional uninsured motorist protection, since they do not want to pay large claims for injuries sustained by an uninsured or underinsured motorist.
California Law
California only requires by law that a driver carry a minimum of $10,000 of bodily injury coverage per person. For example, the woman who hit my daughter was only required by law to have $10,000 in insurance to cover my daughter’s injuries which were in excess of $1.4 million. An umbrella policy offers substantially more liability protection in amounts of $1,000,000 or more at very little additional cost. In my situation, at the time I believed I purchased the polices, I only had $100,000 in Uninsured Motorist coverage when I was led to believe I had an additional $1,000,000 of coverage on top of that.
The uninsured limits were eventually increased to $250,000 only because Allstate now required higher underlying limits for the Personal Umbrella to apply. The Allstate agent testified in court that Allstate would never advise you to obtain more uninsured motorist protection once you met the minimum of underlying coverage for the Umbrella to apply since he would never advise you that the Umbrella did not apply (“sneaky”), again leaving their insureds subject to substantial risk and exposure if hit by an underinsured motorist.
Under California State law, an insurance agent is not required to advise their customers that they should obtain increased uninsured motorist coverage nor are they required to advise them that their particular Umbrella Excess Liability policy is not linked to the uninsured motorist portion. However, certain insurance companies doing business in California offer an umbrella excess liability linked to the uninsured motorist protection, such as Farmers Insurance Company. State Farm Insurance Company used to link the two but stopped doing so in 1996. I contacted a State Farm insurance agent on January 21, 2010, and asked if the two were linked, and she indicated she was not sure but would contact her underwriter and get back to me, whereby she was informed that State Farm no longer offered Umbrella protection linked to the Uninsured Motorist protection as of 1999. I then asked her what the maximum of uninsured motorist coverage one could obtain through State Farm, and she did not know off the top of her but after looking at one of her policies she indicated $250,000, which is not adequate in my opinion. When an Umbrella Policy purchased from Farmers Insurance Company (at least as up to a year ago when I last checked), the insured is offered an option of having the umbrella tied to the uninsured motorist portion by checking a box.
However, Allstate has no such election or coverage. It is also possible to go outside of the “Good Hands” Allstate Company and obtain a stand-alone umbrella policy which is linked to the uninsured motorist coverage.
Our Agent Mike Baldwin Goes Outside of Allstate to Get Protection
Not Offered by Allstate
In fact, our agent with Allstate, Michael Baldwin, did exactly that -- he went outside of Allstate and obtained such an Umbrella policy from State Farm that was tied to the Uninsured Motorist policy in order to protect his family. He admitted in a court of law that he never advised any of his clients over his 20-year career with Allstate that (1) the Allstate Umbrella policy was not linked to the Uninsured Motorist coverage, and that, (2) an insured can go outside of Allstate to obtain an inexpensive Umbrella policy that was in fact linked to the Uninsured Motorist coverage as he did. When I obtained an Umbrella policy, he had already gone out of Allstate to obtain such protection for his family that was never offered to me, since he testified that it would have been too confusing for me to understand this concept and this would be a recipe for disaster. The recipe for disaster were not having Umbrella protection for my daughter’s injuries, a concept that totally escaped Mr. Baldwin. I had referred Mike Baldwin numerous clients including my mother and other friends. I also lectured at his church on estate tax matters. I considered Mike a friend but he concealed this information from me. He indicated that he did not have a duty or a moral obligation to tell me. He also admitted in a court of law that during his 20-year career, none of his customers ever asked whether the Umbrella was tied to the Uninsured Motorist coverage.
The reason that no customers ever asked this question is that the belief that such coverage under an Umbrella policy applies equally in a situation, that if the insured, someone or if someone in their family is injured, the Umbrella protection applies. Even insurance agents are under this mistaken belief as are attorneys, judges, as well as the average consumer. Even the attorney that was representing me in the court action with over 30 years of insurance litigation experience was not aware that his Umbrella and Uninsured Motorist protection were not linked until he took my case and checked with his insurance company. After checking with his insurance company, he immediately went outside of his insurance company to obtain an Umbrella policy for only a couple hundred dollars a year in premiums that was in fact linked to his Uninsured Motorist.
Dirty Secret
This is one of the dirtiest secrets in the insurance industry, and Allstate is one of the worst offenders and has one of the lowest ratings among attorneys who represent clients against Allstate for denial of claims. I strongly advocate that the law in the State of California as well as other states and perhaps even under federal law should be changed whereby an insurance company that does not offer Umbrella protection linked to the uninsured motorist provisions should be required to advise their customers that they can go outside that particular insurance company to obtain such a policy at very little expense and without terminating any of the insurance coverages with the primary insurance company. A better solution would be to require all insurance to offer Umbrella policies tied to Uninsured Motorist protection.
The Personal Umbrella policy which was sold to me protects everyone in the world for injuries caused by me but my family are the only ones in the world who are not protected under this same policy to the extent I protect total strangers. This is so hard to believe that my family happens to be the only ones outside the Umbrella. The ordinary consumers as well as sophisticated individuals are not aware of this serious potential gap in insurance coverage.
We believe that Allstate’s conduct over a substantial number of years is despicable and immoral. We strongly advise the California Insurance Department change the laws in California to protect other insureds from the same fate that we suffered under the “Good Hands” of the Allstate Insurance Company.
Allstate Decreases Insurance
When I first met Mr. Baldwin to discuss my insurance needs, I had three times the uninsured motorist coverage then, than I had when I walked out of the meeting with Mr. Baldwin. Although he testified in a court of law that he never decreases the insurance coverage of an insured when he reviewed their existing coverages, he subsequently decreased mine by two-thirds of what I had in place before the meeting.
Although I was teaching income tax and financial planning at UC Berkeley, at the Graduate School of Finance level, attending the graduate law degree program through NYU law school in taxation, and working as a tax attorney for a sophisticated East Bay law firm, Baldwin stated in a court of law, but only after being prepped by clever Allstate attorneys after his deposition, which went poorly in my opinion, when he made no such claim that I was incapacitated to make any insurance decisions on behalf of my family and that my wife had to make all of the insurance decisions on my behalf.
He further testified that we declined any increased uninsured motorist coverage because my wife wanted to save $18. My wife was not even involved in discussions regarding our insurance needs since she was taking care of our two small children at the time. His testimony that I was incapacitated to make such a decision on behalf of my family clearly is without merit and a complete fabrication of the truth. This is further evidence that Allstate will go to any length to Win a case in blatant disregard of the truth in my opinion.
Change Hands - Change the Law
We believe that the testimony of Mike Baldwin as well as Allstate’s egregious actions in this case, should serve as the “Poster Child” and “Poster Company” for reform of the insurance laws in the State of California as well as on a federal level. Join me in making this a reality and forever changing the insurance laws so that when an insurance company represents that you are in “Good Hands” that you are in fact in “Good Hands” with all fingers attached and without serious gaps in coverage which they do not disclose to you. Please check with your insurance company to be sure that you have adequate insurance protection as well as having an Umbrella policy tied to your Uninsured Motorist protection. If necessary, change hands. We would never want anyone else to suffer the same fate that we experienced by not having adequate insurance protection for our daughter’s injuries due to lack of disclosure as well as misrepresentation, in my opinion, on behalf of an unscrupulous insurance Company
     
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You're not in good hands.
Posted by on
Http://www.youtube.com/laylafanucci2

ALLSTATE INSURANCE COMPANY’S BEST KEPT UGLY SECRET

Car Hits Twelve-Year Old Girl While Standing On Sidewalk
Our daughter was injured as a pedestrian in a serious car accident while standing on a sidewalk with a friend when an underinsured driver jumped the curb while making a left turn and hitting our daughter straight on, flying her up in the air where she landed on top of the car hood and was slammed to the ground as the car continued on driving down the road without any regard to our daughter’s well being. We learned from her doctors that she had sustained a brain injury resulting in cognitive impairment in addition to other physical injuries. Directly after the accident, she had to relearn simple math and forgot how to walk home from school as one of many examples. The accident occurred in 1997, and she has made substantial progress through great effort on her part and a relentless desire to get back what she had lost in the accident.
Allstate Denies Injury
Allstate contended that we had fabricated our daughter’s injury and we had convinced her that she had suffered a brain injury despite medical testimony to the contrary. Despite Allstate’s lowball offer of $15,000 to settle our daughter damage claim, the arbitrator awarded our daughter $1.4+ million dollars in damages for the injuries she sustained. Although Allstate represents that you are in “Good Hands,” they offered only $15,000 on a $1,400,000 injury under our Uninsured Motorist coverage. During the arbitration proceeding, Allstate was even able through their crafty lawyers to get their own expert to change his testimony whereby he had written a prior report that indicated that my daughter had suffered a closed-head injury and had suffered some degree of unconsciousness as a result of being hit by a vehicle as a pedestrian. Again, my daughter was hit by a vehicle, thrown on the vehicle’s hood, and was slammed to the ground as the driver drove off down the street without any regard to hitting my daughter. The Allstate expert changed his testimony during the arbitration hearing by indicating that my daughter did not suffer a loss of consciousness, which is often a material element in supporting a brain injury, since the force of a car hitting a pedestrian did not necessarily constitute sufficient force to render such an injury. These facts alone should speak volumes about what I consider Allstate’s deceptive insurance practices in denying claims to their own customers. This is precisely why Allstate has one of the lowest ratings of all insurance companies in the United States.
Inadequate Insurance Coverage
Although I was advised repeatedly that the Personal Umbrella Policy that I purchased in the amount of $1,000,000.00 applied to my daughter’s injury under the Uninsured Motorist provisions, Allstate prevailed in subsequent lawsuits through the appeal process, after we had won two prior verdicts, by convincing a jury that no such coverage ever existed with respect to Allstate’s Umbrella policy. Allstate never offered such protection although they advised me on several occasions it was my fault for not reading cover to cover my lengthy policy with more loop holes than Swiss cheese. Instead of $1,250,000 of protection, we only had $250,000.
Umbrella Policies and Uninsured Motorist Protection-Buyers Beware
When I purchased my Personal Umbrella Excess Liability Policy from Allstate Insurance Company, I was advised that the $1,000,000 million of additional Umbrella was in addition to my underlying $100,000 of Uninsured Motorist coverage, which was later increased to $250,000, as well as to my bodily injury portion. Subsequently, when I asked to increase my Uninsured Motorist coverage, I was advised by Allstate that all I had to do was simply increase my Umbrella from $1,000,000 to $2,000,000, which I did in order to protect my family in the event one of us were injured by an uninsured or underinsured motorists. Uninsured motorist coverage can be obtained at very little expense, and the protection to one’s family is of most importance due to the high number of uninsured and underinsured motorists in the State of California. This is precisely why certain insurance companies do not advise their insureds to get additional uninsured motorist protection, since they do not want to pay large claims for injuries sustained by an uninsured or underinsured motorist.
California Law
California only requires by law that a driver carry a minimum of $10,000 of bodily injury coverage per person. For example, the woman who hit my daughter was only required by law to have $10,000 in insurance to cover my daughter’s injuries which were in excess of $1.4 million. An umbrella policy offers substantially more liability protection in amounts of $1,000,000 or more at very little additional cost. In my situation, at the time I believed I purchased the polices, I only had $100,000 in Uninsured Motorist coverage when I was led to believe I had an additional $1,000,000 of coverage on top of that.
The uninsured limits were eventually increased to $250,000 only because Allstate now required higher underlying limits for the Personal Umbrella to apply. The Allstate agent testified in court that Allstate would never advise you to obtain more uninsured motorist protection once you met the minimum of underlying coverage for the Umbrella to apply since he would never advise you that the Umbrella did not apply (“sneaky”), again leaving their insureds subject to substantial risk and exposure if hit by an underinsured motorist.
Under California State law, an insurance agent is not required to advise their customers that they should obtain increased uninsured motorist coverage nor are they required to advise them that their particular Umbrella Excess Liability policy is not linked to the uninsured motorist portion. However, certain insurance companies doing business in California offer an umbrella excess liability linked to the uninsured motorist protection, such as Farmers Insurance Company. State Farm Insurance Company used to link the two but stopped doing so in 1996. I contacted a State Farm insurance agent on January 21, 2010, and asked if the two were linked, and she indicated she was not sure but would contact her underwriter and get back to me, whereby she was informed that State Farm no longer offered Umbrella protection linked to the Uninsured Motorist protection as of 1999. I then asked her what the maximum of uninsured motorist coverage one could obtain through State Farm, and she did not know off the top of her but after looking at one of her policies she indicated $250,000, which is not adequate in my opinion. When an Umbrella Policy purchased from Farmers Insurance Company (at least as up to a year ago when I last checked), the insured is offered an option of having the umbrella tied to the uninsured motorist portion by checking a box.
However, Allstate has no such election or coverage. It is also possible to go outside of the “Good Hands” Allstate Company and obtain a stand-alone umbrella policy which is linked to the uninsured motorist coverage.
Our Agent Mike Baldwin Goes Outside of Allstate to Get Protection
Not Offered by Allstate
In fact, our agent with Allstate, Michael Baldwin, did exactly that -- he went outside of Allstate and obtained such an Umbrella policy from State Farm that was tied to the Uninsured Motorist policy in order to protect his family. He admitted in a court of law that he never advised any of his clients over his 20-year career with Allstate that (1) the Allstate Umbrella policy was not linked to the Uninsured Motorist coverage, and that, (2) an insured can go outside of Allstate to obtain an inexpensive Umbrella policy that was in fact linked to the Uninsured Motorist coverage as he did. When I obtained an Umbrella policy, he had already gone out of Allstate to obtain such protection for his family that was never offered to me, since he testified that it would have been too confusing for me to understand this concept and this would be a recipe for disaster. The recipe for disaster were not having Umbrella protection for my daughter’s injuries, a concept that totally escaped Mr. Baldwin. I had referred Mike Baldwin numerous clients including my mother and other friends. I also lectured at his church on estate tax matters. I considered Mike a friend but he concealed this information from me. He indicated that he did not have a duty or a moral obligation to tell me. He also admitted in a court of law that during his 20-year career, none of his customers ever asked whether the Umbrella was tied to the Uninsured Motorist coverage.
The reason that no customers ever asked this question is that the belief that such coverage under an Umbrella policy applies equally in a situation, that if the insured, someone or if someone in their family is injured, the Umbrella protection applies. Even insurance agents are under this mistaken belief as are attorneys, judges, as well as the average consumer. Even the attorney that was representing me in the court action with over 30 years of insurance litigation experience was not aware that his Umbrella and Uninsured Motorist protection were not linked until he took my case and checked with his insurance company. After checking with his insurance company, he immediately went outside of his insurance company to obtain an Umbrella policy for only a couple hundred dollars a year in premiums that was in fact linked to his Uninsured Motorist.
Dirty Secret
This is one of the dirtiest secrets in the insurance industry, and Allstate is one of the worst offenders and has one of the lowest ratings among attorneys who represent clients against Allstate for denial of claims. I strongly advocate that the law in the State of California as well as other states and perhaps even under federal law should be changed whereby an insurance company that does not offer Umbrella protection linked to the uninsured motorist provisions should be required to advise their customers that they can go outside that particular insurance company to obtain such a policy at very little expense and without terminating any of the insurance coverages with the primary insurance company. A better solution would be to require all insurance to offer Umbrella policies tied to Uninsured Motorist protection.
The Personal Umbrella policy which was sold to me protects everyone in the world for injuries caused by me but my family are the only ones in the world who are not protected under this same policy to the extent I protect total strangers. This is so hard to believe that my family happens to be the only ones outside the Umbrella. The ordinary consumers as well as sophisticated individuals are not aware of this serious potential gap in insurance coverage.
We believe that Allstate’s conduct over a substantial number of years is despicable and immoral. We strongly advise the California Insurance Department change the laws in California to protect other insureds from the same fate that we suffered under the “Good Hands” of the Allstate Insurance Company.
Allstate Decreases Insurance
When I first met Mr. Baldwin to discuss my insurance needs, I had three times the uninsured motorist coverage then, than I had when I walked out of the meeting with Mr. Baldwin. Although he testified in a court of law that he never decreases the insurance coverage of an insured when he reviewed their existing coverages, he subsequently decreased mine by two-thirds of what I had in place before the meeting.
Although I was teaching income tax and financial planning at UC Berkeley, at the Graduate School of Finance level, attending the graduate law degree program through NYU law school in taxation, and working as a tax attorney for a sophisticated East Bay law firm, Baldwin stated in a court of law, but only after being prepped by clever Allstate attorneys after his deposition, which went poorly in my opinion, when he made no such claim that I was incapacitated to make any insurance decisions on behalf of my family and that my wife had to make all of the insurance decisions on my behalf.
He further testified that we declined any increased uninsured motorist coverage because my wife wanted to save $18. My wife was not even involved in discussions regarding our insurance needs since she was taking care of our two small children at the time. His testimony that I was incapacitated to make such a decision on behalf of my family clearly is without merit and a complete fabrication of the truth. This is further evidence that Allstate will go to any length to Win a case in blatant disregard of the truth in my opinion.
Change Hands - Change the Law
We believe that the testimony of Mike Baldwin as well as Allstate’s egregious actions in this case, should serve as the “Poster Child” and “Poster Company” for reform of the insurance laws in the State of California as well as on a federal level. Join me in making this a reality and forever changing the insurance laws so that when an insurance company represents that you are in “Good Hands” that you are in fact in “Good Hands” with all fingers attached and without serious gaps in coverage which they do not disclose to you. Please check with your insurance company to be sure that you have adequate insurance protection as well as having an Umbrella policy tied to your Uninsured Motorist protection. If necessary, change hands. We would never want anyone else to suffer the same fate that we experienced by not having adequate insurance protection for our daughter’s injuries due to lack of disclosure as well as misrepresentation, in my opinion, on behalf of an unscrupulous insurance Company.
     
Read 3 RepliesAdd reply
User Replies:
Alain on 05/17/2010:
You have probably contacted these folks, but I'll post these just in case: Sen. Barbara Boxer 202-224-3553, Sen. Dianne Feinstein 202-224-3841, and Governor Arnold Schwarzenegger gov.ca.gov/site/contact-governor or 916-445-2841. They may have advice on your endeavor to change the law. My Father and I also had negative experiences with Allstate. He had a problem in California in 1960 (Bakersfield) with them trying not to pay a claim (they eventually were ordered to pay it by a court) and I sued them (and won) in 1984 in Virginia when they refused to cover an accident caused by their insured running a stop sign. Looks like they haven't changed much over time. I hope things improve for you.
clutzycook on 05/17/2010:
Why not sue the driver as well?
PepperElf on 05/17/2010:
exactly!

if I'm not mistaken isn't it against the law to be driving while underinsured?


granted I understand the insurance company most likely has more $$$ than the underinsured driver, but it is indeed the driver's fault for the accident.

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StarEmpty StarEmpty StarEmpty StarEmpty Star
Allstate Insurance, BAD Experience, They Hire Incompetent Adjusters, Is This on Purpose to Avoid Paying the Claims?
Posted by on
Rating: 1/51
DALLAS, TEXAS -- Allstate Insurance hire incompetent adjusters, Is this on purpose to avoid paying the claims?
I was driving my car about 2 weeks ago when an SUV hit me from behind. Fortunately both drivers were fine, so I decided against calling the police. Big mistake!
I filed a claim with Allstate who is the insurer of the person that hit me so I can get my car repaired.
I got an estimate myself from a body shop in Boca Raton where I live, car repair shop that is approved by most insurance, including state Allstate. There are 3 damages on the back of my car, bumper scratched, a metal ornament damaged and a dent in the trunk. Powerline Auto Body Inc -[snip]; estimate $1485.70 - 3-5 days rental car - $30/day + tax. I drive an Audi 4D sedan which is in perfect condition.
I was asked by the Allstate agent to go to one of their adjusters, at King Automotive Group in Coconut Creek. I went today for my appointment, thinking that it is a simple procedure. Mr Brad [no personnal names][snip] Field adjuster for Allstate inspected my car and gave me an estimate. It was much lower than the estimate I got from the other shop. estimate - $653.30 Comparing the 2 estimates, I realized that the dent in the trunk, the main damage from the accident was left out. Arguing with car adjuster Mr. [no personal names], I was told that he did not include the dent in the estimate, because it is unlikely that it is part of this accident and I need to prove this!!! Apparently the owner of the car did not claim any damage on her car, so.... that means that this damage was not part of this accident. Great reasoning!
So, to summarize, I have a damaged car because a quite large SUV hit me from behind, all the damage is in the back of my car and I do need to prove it? Prove what? I think my car is enough proof! After that I called Allstate, I asked for a manager that was not eager to talk to me either. After multiple requests Mr. Erik [snip], sent me back to the same adjuster. I really do not see the purpose revisiting the same person.
The big question is does Allstate works with incompetent adjusters because they do not want to pay the correct amount for the claims? I was really expected for Allstate to do something about my complaint because I did make the claim with them and not send me back to the same person. And after all arguing...what do I get back? "Appointment: Tuesday, 10/21/2014 03:40 PM Status: Closed Created: 10/17/2014 Type: Drive-In Location:: (Sf) King Collision Center D/I 4950 NORTH STATE RD 7 COCONUT CREEK FL, 33073"
Very, Very upset with Allstate insurance. How will I get compensated for my time and hardship? I had to cancel my next appointment because I was so upset of both incompetence and the way I was being treated; I felt insulted. Not fair for me or my client that I needed to cancel the appointment.
     
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The End Is Not Good
Posted by on
Rating: 1/51
BELLEVUE, WASHINGTON -- Good people bad company.

To see if a person is of a good character or bad takes very long relationship. You come across lot of people with very impressive first impressions that people tell even tell their deepest secrets but end up having a huge scar for the rest of their lives. Even if their first impression appears hard hearted, the more you get to know the person, you see them with sincere heart, trying their best to keep their promises, always thinking about the other person over self, and doesn’t change their mind is a person of good and beautiful character.

You can tell by a person by the way they use the bathroom. There’s a saying that person is different before using the bathroom and after using. There are people who clean up their mess after the use so others who follow will use clean facility. These are people with good character. But there are people who use the bathroom as if they’re never going to use it again, spilling water over the sink, wasting papers and water since it’s not their money. These are people who has two different mistrustful characters.

This is my story.

Three years ago, 10/26/2010, I’ve injured my knee as the other driver illegally made a quick U-turn. He was carrying All State auto insurance. I went through physical therapies, cortisone injections, surgery, acupuncture but I’m still limping. I’ve hires an attorney but we ended up firing him as he lied about his work and we ended up getting bills through the collection agency.

June 2013, All State called me to notify that the agent who’s handling my case he was changed. He started out saying the agent who was handling it before didn’t offer you enough and depicted he will compensate for the time loss and all the treatments. I told him I’m still limping so I need more treatment. He said go ahead and get all the treatments I needed and just send them the bills. As of this date, I am still being treated by UW physical therapy.

On 10/23/2013, when I was home, I’ve received a call from All State so I answered but I don’t know how that’s possible but it went to voice message. Immediately after, All State called my home phone so I answered but they terminate the call as soon as I answer. So I called All State 5 times and left two messages after but no one answered or returned my calls.

I found that after 3 years past, legally All State is not responsible for me. I did call many times and left messages but no response after their call to me on 10/23/13.

At first, they sweet talked to me in believe that they will do their best to be there until I am finished with my treatment and empathized with my pain but at the end they refuse to respond to any of my phone calls or messages. If they don’t give my any settlement then they will have some profit but it’s not forever. You need to wait until the end to make any decision to see if a person is of a good character or bad, company with a good standard or bad.

My story part 2.

For the past three years, I have been limping severely. My legs are very weak that I am constantly bump into things so I have bruise everywhere. My two toes are bruised and black color as I put lot of pressure on it to make my balance. I constantly wake up in the middle of the night to take pain medication. Due to my physical health, I am deeply depressed and easily irritated about everything. I had a small restaurant but due to my injury, I had to hire more people so I didn’t bring enough to pay for the bills. Consequently, I had no choice but to close my business a year ago. I am currently in physical therapy at UW.

Three years after my accident date, on 10/28/13, I’ve received a call from All State. He said he will compensate for the past three years I was in pain and having to hire more employee with $8.50 per day but only if I sign it by today. I didn’t sign since the promises they have been telling me is different from that they’re offering. I have been suffering from this excruciating pain for the last 3years, unable to walk straight, not to mention the mental health and financial hardship. I am still limping. All State is very inconsiderate for people with pain, adding great stress and mental health issues.

Why didn’t All State respond to any of my call before the 3 years is up? I consulted with a lawyer but was told they can’t help me since it’s been 3years since the accident. Even if I need more treatment, there was no way for me to extend and if All State refuse to pay any, there is nothing I can do. I believe strongly that All States purposely avoided my phone calls and didn’t return call until a day after the 3years. They’re still hurting the people who are hurt even more.
     
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clutzycook on 11/14/2013:
You need to get another lawyer and you need to fight this. Right now. My sister was injured in an auto accident 18 months ago and she ended up needing surgery to correct the injury. She has a lawyer and they're probably going to end up in court at some point. She gets bills and phone calls from collection agents, but she just refers them to her lawyer. If she didn't have them, she would have likely gone insane long ago from the stress of the situation and the pain caused by her injury.
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Terrible Customer Service
Posted by on
Rating: 1/51
GWINNETT, GEORGIA -- Allstate is saying that I still owe them nearly 100$ after I cancelled my policy in June of 2013. First off, let me say that I asked my agent before I cancelled if she thought I would owe any more money because I could just go ahead and pay it while I had money in my account considering I'm a college student on a very strict spending limit. She had told me that I was fine and would not owe anything; I was happy with this statement. I thought all was well and taken care of. Not ever two weeks later I received a letter in the mail saying I still owed them money and every two weeks since then I've gotten that letter.

I called my former agency first and spoke with them and was told that "no one in the office would've told you that you didn't owe any money because we don't handle that kind of stuff here" and that "when you pay your statement every month you're actually paying for coverage of the previous month." A) how can you say that you're firm doesn't deal with accounting issues when I can call and make a payment over the phone with you, therefore, you handle money and can do the math to see if I will still owe money or not. and B) how does that make sense? Why would I pay after the fact to have my car covered? I would be paying to insure my car for the upcoming month.

After this I called 1-800-ALLSTATE (the customer service line) and was connected with two difference foreigners whom I could barely understand and one of them supposedly being a supervisor. The "supervisor" proceeded to YELL at me and tell me that I was wrong and when I make my payments on the 11th of every month to cover the 25th-25th of every month that it's actually a late payment. How?! That makes no sense. That should be considered an early payment if anything. He then told me that "you should just pay the money because it's really not that much." Maybe for the supervisor of customer service that isn't a lot of money, however, for a college student who is paying her own way through and buying/renting my own textbooks, that's a lot of money! That's one of my textbooks alone! What ever happened to "the customer is always right"? I feel like I have been constantly lied to, cheated, and robbed from this company. I will never use this company ever again and will never recommend this company to any of my family or friends. For minimum liability on a 1998 Acura, 130$ a month is outrageous and my premium continued to climb even with the Good Student and Good Driver and Automatic Payment discounts. The representatives in this company are miserable at customer service or providing any form of help to customers. I had been with the company a full year, my parents for over 20 years, my grandparents for nearly 40 years, my boyfriend for 6 years, and my brother for 5 years. They have just lost themselves a whole family of valuable customers and many more to come as soon as all of this comes out.
     
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Ronn on 08/07/2013:
Believe me, I understand....if I had the time and effort here, Id type in probably a 5000 word experience. Actually two experirnces.
CU on 08/07/2013:
If you cancelled in the middle of a cycle, you almost certainly owe them for some number of days.

For instance, if you cancelled around the 19th or 20th, you'd owe for around 24 days at $4 a day. They could be better able to explain this to you. It does sound like maybe they were trying to tell you that you paid on the 11th, for the prior period, which runs from and to the 25th of each month.
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Allstate Agents
Posted by on
I have never had innsurance with Allstate and I never will. I was envolved in an acciednt with one of their customers a couple of days ago. The lady that hit me was really nice and was very sorry for rear ending me. A day later I was contacted by Allstate by some lady who was talking so fast I had to ask her to slow down 6 times. I told the lady that I was on the road and that I could right some numbers down that she kept rattling off but she would just have to be patient with me. I was rushed through the process of getting a contact name and number (the agent helping me was [snip]) and then she told me that they would provide a rental car for me as long as I had insurance, a credit or debit card and a valid driving license. She told me as long as I have all of those the only thing I would pay for is the gas that I would use. I told the lady I had all of the above and she said she would have someone call me about a rental. At this point I'm thinking maybe Allstate isn't that bad I might switch to them. So I get up to Enterprise to pick the car up. They told me I would have to pay an additional 14.99 Per day for full coverage inn seeing that all I have is liability.

I told the man to put it on their tab. He stated that they did not discuss that when arrangements were made. No problem I say let me just call the good people at Allstate to let them know about the issue because I was not informed about this sudden change in plans. I speak with jimmy about the problem and he informed me in his exact words that it is not his duty to cover the fee his job is to pay for the rentle and that's it not a penny more or less. I proceeded to tell him that I was informed differently and he began speaking over me and kept doing it threw out the entire exchange. He was very short with me rude and extremely sarcastic. I asked for his mgrs name and number and he said hes not there he was the only guy there.

I asked again for his mgrs information and he finally gave it to me. He then told me it wouldn't matter if I spoke with his supervisor because he will say the same thing. (I wanted his mgrs info so he could be informed about the rudeness of his employee and not the miscommunication on the additional fee) by now I'm livid and did not want to deal with him at all anymore on the phone. Before I could tell him that I would call his boss tomorrow he hung up on me. The scary part about this whole deal is we just started this process and they haven't even sent out anyone to look at my Jeep yet. I am not looking forward to dealing with Allstate nor will I ever recommend them to anyone and I haven't even been a customer of theirs. If anyone for Allstate reads this please contact me about this joker. He does not need to be working for you guys. All he had to do was try to work with me but he didn't even try at all he just wanted to tell me off. My email is jbkenzie@gmail. Com
     
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Anonymous on 02/25/2010:
Their job is to low ball you. Fight them!
Anonymous on 02/25/2010:
True. Insurance companies make money by paying out as little as possible. A fight with them is probably going to end the OP on the wrong side of it. Allstate and other insurers do this all day, everyday. The little people very rarely have to do it so the advantage is with the other side.
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No Coverage Now That I Need it.They Told Me I Didn't Need It When I Bought the House
Posted by on
Rating: 1/51
OHIO -- I have been an Allstate customer since 1992. Both for cars and my home. When I bought this home, I went over the policy with my agent at the time. One of the concerns was flood insurance. The area around me had actually gone through extensive flooding while the closing was in place. We live close to the river that leads into Lake Erie. My agent at the time told me I didn't need flood insurance due to the proximity of where my home was to the lake. With that advice, I didn't purchase flood insurance.

Most recently our area was devastated with heavy rains that lasted for hours upon hours. Many homes got flooded. Our area didn't get the backed up sewers and standing water. But what some of us got was water coming into our basements from the foundation. That's what happened to my home. The foundation couldn't handle all the water. My basement was flooded. Many things were lost and had to be thrown away.

So I called Allstate. I got a letter stating I didn't have flood insurance and wasn't covered. After days of thinking about it, I started to realize we didn't really get flooded here at all. It was a foundation issue that caused water backup. So I made another claim. I was called by Allstate that they were sending an adjuster to my home. With this, I assumed they realized my situation and was going to compensate me for the damages. So the agent came and took many pictures....all the while knowing I wasn't going to get any help. Why take all the pictures, go throughout my house looking around only to then tell me they can't help me? That's what infuriates me. They wasted my time and there time to tell me exactly what they already did previously.

So now my next concern here. I was told by someone in the waterproofing business that once your home gets water in it, that there is a trail that was made and the water will come in again. So now, if it was to come in again, before I had the funds to have all the paneling taken down and replaced, that once again I'm not covered? This is a terrible way to handle the situation the way it was.

Allstate has done me bad.....just like they did with my car insurance in 2007. A letter at that time was sent out to me apologizing for the mix up and they realized what they did. I should have dropped my home insurance at that time but did not.I'm sure at this time I will.
     
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trmn8r on 08/07/2013:
I don't believe flood insurance, even if you have it, typically covers wall coverings, carpet, household goods, etc in the basement.
CU on 08/08/2013:
When flood insurance is mandated in any given area, thebank that holds your mortgage is aware of the mandate and will require that you pay it as part of your mortgage payment. The fact that your bank hasn't insisted on it might indicate that your agent may have been correct that it was not required.

In any case, I am not sure this would have fallen under flood insurance. This wasn't a flood, it's a bad foundation. I would think it would fall under home owner's insurance.
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Allstate Commercials Are Not True to Their Customer Service
Posted by on
Rating: 1/51
ATLANTA, GEORGIA -- An Allstate insured customer's car crashed into my garage causing damage to 2 garage doors, main load bearing support and frame. Filing the claim, the Allstate Claim Representative took information pertaining to the accident report file by the Local Police and informed me that I should hear from Allstate within 24 hours. 48 hours (2 days) passed, no contact from Allstate; so I called inquiring as to why I had not be been contacted.

This Allstate Representative was very rude in telling me that I did not submit a claim with a Contractor's estimate. I inform Allstate that in the initial reporting of the claim, I was not informed of the steps that needed to completed in filing the claim, only the Police accident report information was requested from me. I requested to speak to a Manager, but very convenient to/for Allstate, all Managers were in a meeting. I requested for a Manager to call me inference to claim, but no one ever called.

After submitting the Contractor proposal, I received a call from a Becky stating that Allstate was settling at 40% below submitted contract proposal and I could take the settlement and do whatever I please because it was none negotiable. I ALSO ASKED, to have a claim adjustor contact me, and/or the Contractor, but again Becky told me that they would not; true to her word, no Adjustor has contacted me or the Contractor. I'm very taken aback by Allstate response to my claim. Their insured customer's auto damaged my property, but Allstate is treating me as I'm the villain.

With their paid spokesperson and actors/actresses, the commercials may be entertaining, but Allstate true Customer Service and Claims Representatives are very lacking and in a sense MAYHEM!
     
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Karnamay on 03/08/2013:
I would definitely get a lawyer. When lawyers get involved they change their tune pretty quick.
trmn8r on 03/08/2013:
I tend to agree with Karnamay - you need assistance of some sort, and it appears a lawyer would be the right kind. Dealing with Allstate yourself, you will not be treated like their insured. You are the enemy in this scenario.
BigAl on 03/08/2013:
My first response would be to sue the person who did the damage to your property. He or she is afterall the responsible person in this instance. AllState is merely the company they have chosen to protect them in these type of incidences. If Allstate policy holders are held accountable for the shortcommings of their protection it will have an adverse effect on their continued loyalty to the company. Allstate could not care less if you are happy but if the people who supply Allstate with premium money are not happy with their coverage then Allstate will be forced to change their business model. Keep in mind that the insured in this case probably thinks it is not his problem when in fact it is.
madconsumer on 03/08/2013:
contact your homeowners insurance carrier, and have them intervene.
clutzycook on 03/08/2013:
Mad has the best answer, IMO. If that fails, then get a lawyer.
MadMom on 04/16/2013:
I agree whole heartedly. My daughter was injured in an auto accident caused by an Allstate policy holder. While they paid for my totaled car (barely),they are being nasty about paying for her injuries. They told my husband, one you're PIP runs out (handled by our insurance (State Farm) - who has been wonderful with every claim we have erver had with them) we're on our own until we "settle" How are we supposed to "settle" before we know what care she is going to need and for how long? She's still in physical therapy and still in pain....

Good Luck! Your NOT in "Good Hands"

Steve on 04/04/2014:
Same thing...older person drove her car into my garage. I was told adjuster would call within 2 "business days". 4 days later I called. And was told Oh no, we need you to fax your claim, and our adjuster will look at it. Had to file separate claim for car damage. Car side handled rental, repair, and sent a check. All good. But now it's been weeks and can't get response for "diminished value". As to property side, they agreed with repairs to my house, bushes, but zero money for Craftsman tool chest, aluminum ladder, etc. Emailed my own Allstate agent for help.......crickets, crickets. Will end up in small claims court I guess. I will be changing insurance company. I mean, I don't want someone I've caused harm to go through all the work just to make their life whole again.
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