BLOOMINGTON, MINNESOTA -- I changed to Allstate in April of 2010 for home and auto insurance. The agents were super sweet and we visited for quite some time. Then this year's bill comes in the mail and there is an increase of $207. That's a 28% jump. I have had no claims. I called the agency and was told that all rates were going up. That's all.
I told him that I was retired and on Social Security and that we didn't get any increase in our benefits because supposedly there was no inflation. How could Allstate justify such a huge increase in premiums? He had no answer, only that Allstate needed to cover its losses. What losses? Not any paid to me. I'm sure going to find another company that doesn't lie to cover up pure greed.
I have been an Allstate customer for several years, but I recently had a claim. I had given the customer representative my cell phone number so that they could get in touch with me during the day. Within two days after my claim was reviewed, I received a phone call on my cell phone at 8:30 PM. It was a survey company, Issues and Answers, calling to inquire about my recent experience. Allstate had given them my personal cell phone number and did not even request permission.
When I called I & A, I specifically requested personal assurance that my phone number would be deleted from their database. I asked four times and NEVER got assurance. The representative told me that he would "research it" and call back in a couple days--but never did. A couple weeks later I received a call on my home phone from Q & A research. I returned the call, and the Phone Room Supervisor told me that there is a 9 in 10 chance that the reason they had called me was for a survey--for Allstate!
Apparently Allstate considers it acceptable to give out customer phone numbers to surveyors without customer consent. Surveyors are conveniently exempt from the "No-Call" list. Apparently a person's phone number isn't considered confidential as long as Allstate is using it to "improve" their services, even when they give it to a third party.
In July 2010 while at an amusement park, an Allstate customer backed into my car and left the scene. I have pictures of her vehicle parked crookedly next to mine before the accident. She lied and said she wasn't there. When I proved her wrong with receipts and pictures from the scene, including damage to her vehicle that matches damage to my vehicle, Allstate said I made the whole thing up and was lying. They said I hit their customer and/or the damage to her vehicle was old.
They actually never investigated -- after 2 months of calling and emailing them; they simply took their customer's word for it that, 1, she wasn't there, and 2 she didn't do it. I've been sick to my stomach after being called a liar, but after reading these reviews, I actually feel better. I'm not in good hands, but I see I am in good company!
HENDERSON, NEVADA -- A plumber ran a snake through my drain and caused water damage and mold. I called Allstate, they sent an Adjuster two weeks later. She told me without seeing the mold, only sticking her hand under the plastic that they did not cover the mold, it was "old". Each Adjuster that I talked to had a different story. Some would cover it, some wouldn't. Allstate cannot get their stories straight. They are very rude people. Although the Amendment in the policy says they will pay water damage and mold remediation, they don't. The Supervisor in Arizona told me that anything over 7 days old was called old and they did not cover that.
So if something happens to you and you turn it in on the eighth day it is now weeks and they do not cover it. I have now been five months with no kitchen and the back wall of my house is cut out. Their Adjuster, Michele Ganz said she would cover a spot of mold that was on the wall of my kitchen, only that spot of mold was actually dust from the compressor on my refrigerator. I showed her mold on the back of my carpet, where it had leaked into my living room, she told me that I could scrape that off. I even tried contacting the CEO of Allstate and could not get past his Secretary. These people are unreliable and you definitely are not in good hands. By the way, I am a Senior Citizen.
BLOOMINGTON, MN, MINNESOTA -- I had an accident which was totally not my fault. The lady failed to yield at an intersection. After the accident, I called her insurance to file a claim. They gave me a person that was handling the claim and he took his time trying to get it resolved. I provided a police report clearing stating that she was at fault and was even given a ticket for it. They still continued to investigate and determine that they would only cover 90% of the accident. They tried tell me if I am driving through areas that have side streets, I should always slow down when I am passing any side roads which is BS!
I argued with the adjuster until I was able to speak with his supervisor. She finally agreed to pay 100% of the claim. After that, they continue to make you go to them to finish the paperwork of getting your settlement after having to return the rental car they provided. They are very difficult to work with and expect you to just figure it out on your own when it wasn't even your fault and even tried to blame you for the accident. I suggest never having them as your agent as they will try to pay out as little as possible but have high premiums.
ATLANTA, GEORGIA -- Got my new insurance quote. $237 more/6 months because of two little things: a couple LITTLE, and I mean LITTLE, fender benders and a ticket. I didn't kill anybody, they didn't pay out a lot of $$ like it was some big accident between two incapacitated vehicles, nor did they pay out anything on my vehicle. They just take advantage of a small situation/accident to make it a large one that benefits them and I'm tired of those greedy companies. What if it had been a big accident? Then what? $5000/year? Insurance is nothing but a racket. Always has been, always will be.
CHESAPEAKE -- They recommend using repair centers in their network, bragging on the customer service. Horrible customer service, it took a week to get an estimate, When I dropped it off, they said they would have an estimate in 2 days. They kept my vehicle 5 weeks and saying they were backed up, waiting on parts, still working on it, Meanwhile dragging their feet about giving me an answer in helping with a rental once my rental allowance ran out. I ended up without a vehicle for 9 days.
Allstate kept referring me back to the repair shop would not have chosen if they had not recommended. Allstate did not have me in good hands. I have been with Allstate for 20 years, but I am shopping for new coverage for my house and 2 cars.
SHAWNEE, KANSAS -- Last March I decided to switch Insurance carriers and shopped around with several providers. I settled for Allstate Insurance -- an Agent with Modern Consulting, Inc. was very attentive and answered all my questions. I had a lot of questions because I wanted to make sure I compared apples to apples. After much review, I decided to switch autos, home and rental on a package deal.
Two months after the policy came into effect I got big increases in the premiums for the home and rental (both paid by the mortgagee), with no good explanation. It simply was a bait and switch scam. I was lured by a competitive rate and two months after, when nobody is paying too much attention (because you assume you have your policy settled) I get a notice for the increases. The increases made the work of shopping around and the switch from the previous carrier worthless. Be very careful with Allstate Insurance. Don't believe their quotes, they'll sneak increases when you're not watching.
I've been shopping for H.O. Insurance after Traveler's whacked me with a $400.00 premium increase. Five year customer with no claims. Called Allstate for a quote. Gave them my info and told them I wanted a $500.00 deductible. The agent emailed me the quote in a PDF file. Everything looked pretty much standard including the $500.00 deductible I requested.
Buried deep in the fine print was a "Tropical Wind and Water" clause. Huh? Never heard of this one. Allstate is slick, here's how it works. A Tropical Storm originates in the Caribbean with Hurricane Winds then makes land fall in Florida. It then goes up the East Coast but rapidly diminishes. By the time it hits N.J. and further points north it's just a rain event.
Now a policy holder in N.Y. files a claim for minor damage to their home. They have a $500.00 deductible. Allstate says this does not apply because it started out as a Hurricane 2000 miles away. The deductible is now 3% of your home value. What does this mean? Let's say your home is insured for $300K. You expect a $500.00 deductible. Wrong!! The 3% now kicks in and your deductible is now a whopping $9000.00!! This is why they are called "Allsnakes." Buyer beware!!
2 hours short of a week since we bought a new-to-us car, my wife is at Petsmart and some lady backs into our car, causing $1,300 worth of damage. The woman that hit our car admitted fault at the scene, but apparently the story changed to the insurance company. No cameras. Her insurance (Allstate) talked to us about splitting the damage, but now we can't get anyone to call us back. Anyone out there have any experience with this? Is there anyone we can complain to, to get some action? Small claims court? If so, are we suing the driver or her insurance company? I'm at a loss.