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.
HINSDALE, ILLINOIS -- My parents have been loyal customers for 40 years and the agent has taken many many dollars from my elderly parents. When I call her she told me that they would get a 15% off for the past many years but fail to provide them with even a written letter saying they would get this discount. Then she had the nerve to say that since they had a small claim after no claims for 40 years that they will not get the 15% discount.
I ask her to provide my parents their 15% discount for all those past years they haven't had a discount. She says she cannot do that. I cancelled the policy and we went to another insurance company then she has the nerve to send them an outstanding balance bill because she said she had to terminate the policy.
I am filing a complaint with the BBB and filing a complaint to the department of aging. If this is how this crappy company takes care of their 40 years loyal customers I cancelled my policy with them as well. Beware you're in good hands till something happens then they open their hands and treat you like crap.
INDIANAPOLIS, INDIANA -- I didn't routinely check the space on my invoice where it gives Agent's name; suddenly one day discovered NO Agent listed - went back over 2 yrs worth of invoices and saw it was blank - I was flabbergasted! I called another Allstate agency - they informed me my agent no longer works in the business!! I was never notified - and I had been paying every month on a 'Platinum Package' - the most expensive insurance package Allstate offers. It is supposed to include an Agent!!! Also, no one has been overseeing my policy - I was screwed out of several 'good driver' checks that I was receiving 2x a year.
When I went to renew my registration at Motor Vehicle they pointed out that under the Description of my car - it states: Vehicle Unknown -- When I asked this new agent that I called about this handling of my account - he was glib and cavalier saying: "well, you've got one now!" Shouldn't I be getting a hefty rebate for paying on a policy that suddenly and without warning had no agent anymore? Is this legal for an insurance agency to do without any notice?
CALIFORNIA -- We just recently had a leak in our kitchen - turns out it was a busted water pipe behind the kitchen cabinet wall. I understand that the insurance company does not cover faulty plumbing but will cover damage caused by the water leak. We had to turn water off to our house, otherwise we would be living in a river. We can't use our kitchen at all, nor can we take a shower, wash up, or flush the toilet. Allstate offered to reimburse us for our meals and mileage (as we live 45 miles to the closest establishment). The right thing for Allstate to do is put us up in a hotel since our home is considered "non-useable," especially with 2 disabled adults - driving 45 miles each way, three times per day, is really not feasible. First, I'd like to know why Allstate has refused to put us up in a hotel room? I understand about not paying to fix the plumbing, but because of structural repair and lack of use in the home, this should be covered by insurance. Why would they pay for our meals and mileage but not a hotel room? Isn't that the same concept? Second, I do not believe that the adjuster has any idea what he is talking about (and our agent sure has no clue), so who should I contact in Allstate to solve this problem? In the meanwhile, I am sitting in a home with a kitchen that is partially demolished and have no access to water. Do I have a good case to take to an attorney?
ST PAUL, MINNESOTA -- I see the commercials and just start seething as to how misleading they are about "accident forgvieness" and deductible going down each year. What they don't tell you is that these "perks" do not apply if you have their so called "value plan". Now I know how they were able to come in under my current company in premium pricing. I had a claim with my old company just before changing. Which kicked up my homeowners premium up about $100 (which I was never notified about) and now I have to wait 3 years before I start checking into different companies. I really should have stayed with my old company.
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.
Chairman, Pres, CEO
Allstate Ins Co.
Re: Company Policy
Your company is the most feckless, self serving, POC of any I have ever dealt with. If you wish to know why I hold this view, read on. If no, you will be able to get a synopsis from the various insurance rating.com lists most any time. Stop reading now.
I have also sent a rant to my full e-mail list. From that I have received several “Thanks” and so far have killed over half a dozen underwritings for you. I will enjoy continuing to spread your “fame” to any and all I meet at every opportunity and every chance I get.
Allstate, you are the most chicken s**t, back, stabbing, worthless, low life Ins. Co. I've ever encountered. And that includes both Mercury and 21st Century. You all crawl in the same gutter. I will actively insert my thoughts, reasons, and opinions into all conversations re: Ins. companies in which I am engaged.
“Why?”, you ask. On the slight chance you may wish to know I'll relate the reason(s).
Earlier this year, ‘10, while driving my 2000 Dodge Dakota pickup, I was involved in an incident on a city street in Santa Clara. I use the word incident advisedly. There was no accident & furthermore, there were no witness. However, rather that support me, your client, you chose to pay off a fraudulent claim for a few hundred bucks as it was cheaper than standing up to a scam. Worse, you then raised my rates to a level that would more than make up the “settlement” in less than 2 years.
To be more specific, The other party claimed there was contact. BULL S**T! I am an expert in this area. There was NO dent or other marks that could be attributed to any contact with my vehicle. Moreover, there was NO witness. Yes, later a crowd had gathered, however, at the time no one was around, and more specifically, no one was in any position to have seen any contact.
But somehow, by the time you got the report, a witness had been “manufactured”. I don't know if a dent magically appeared or no, but there was NONE at the time. I have built several auto show Custom Cars and Street Rods. I have also participated in several vintage car Concourse de Elegance restoration projects. I know how to both do and spot show winning body work. There was no contact!
But AllState chose to craw fish aside and screw me by caving in.
Regards, your EX client.
Have a nice day.