Last year (2010) I was working in my yard and my dog was with me. Apparently she decided to take a hike a couple of doors down and got into a spat with my neighbors dog. This incident couldn't taken more than 5 min. because I didn't even know she was out of the yard. Next thing I know I've got a civil suit. I had two face to face meeting with local agent who said my policy would represent me in the civil action. What they didn't say was it is Erie's policy to make you get rid of your dog when you file a claim.
A month later I get a notice to dump the dog or get cancelled. OK I get the point they don't want to have to cover another incident. Hay the poor old dog is 12 yrs. old and doesn't have a mean bone in her body. But this time they got to fighting and her dog goes to the vet.
To relieve the problem short of giving the dog a one way ticket to the gas chamber I installed an underground fence. I offered to give Erie a letter holding them harmless for any future occurrences. No dice. My complaint is they should have told me about the dog policy before my claim so I could have taken another avenue. 4.7 million dog bite incidents a year - you would think they have sense enough to inform their insured of their "dog bite policy".
NORTH CAROLINA -- I have worked as an insurance agent for over 7 years and have seen a lot of shady dealings. I have never encountered such a horrible claims service as I have with Erie. I called their claims supervisor and spoke with ** regarding a claim that was filed over 3 MONTHS AGO for my insurance customer. ** told me that their insured was being uncooperative therefore they could not go further with the claim and would not be able to repair my customers vehicle. At which she then stated that my insured should file the claim under his insurance or if he doesn't have the coverage he could file a lawsuit!!!
I was appalled by her attitude and Erie's lack of cooperation. I will be filing a formal complaint with the BBB in our state. I will never ever recommend ERIE to anyone ever and I will do my best to ensure that everyone knows how bad their service is. The old saying "you get what you pay for" is so true their rates may be low but they are the worst company when it comes to paying out claims.
ERIE, PENNSYLVANIA -- Background: I have been a policyholder of Erie Insurance since I bought my Virginia home in 2004. We left Virginia last year to move to Texas. The house is for sale, but empty (which means we have been carrying two mortgages for a year).
Rain Damage: In May, there were torrential downpours. Apparently, the gutter came loose from the downspout and water came into the basement stairway and entered under the basement door. We had inches of standing water throughout the basement that the realtor found when she was showing the home.
Problem: Erie is refusing the pay the claim calling it "groundwater" and saying that it is an exclusion the same as a flood (but even if we had flood insurance they say this wouldn't be covered). They say that as soon as water touches the ground it becomes groundwater. It was more like "roof water" that would have been diverted to the city sewer system. An ordinary person would consider groundwater some kind of standing water--the house sits on a hill so water is not standing anywhere nearby.
Anyway, they have tied up the claim with their review for 6 weeks so far and are now trying to deny the claim. One supervisor actually claimed that it is "company policy" to deny this type of claim and that several similar policyholders have had their claims denied. (Can you say class action??? Any hungry lawyers out there???)
No reasonable policyholder would read that this kind of damage would not be covered under the policy. This is why insurance companies get a bad name. Apparently the reason their fiscal index rating is so high is because they don't pay claims - they just collect premiums.
Current Status: We are fighting hard and it looks like another executive is going to "review the file." I think this is just terminology for making us wait longer. What they don't know yet is that we have a pending sale if the insurance goes through. If it doesn't I may be taking them to court not only for the damages they should cover, but try for loss of sale as well! BEWARE!
LAVALE, MARYLAND -- Took my Jeep in for an oil change July 14. On the 21st a rod came through my oil pan on my way home from work. Called Oil Works. They came and got my Jeep and took it to their shop to find out it needs a motor replaced so they turned it over to Erie their insurance co and I have been without a vehicle since then. Trying to get a hold of someone is a joke. Been a month without a vehicle and sounds like its gonna be longer.
ROUND LAKE, ILLINOIS -- I did not renew my policy due to a price jump. I informed Erie Insurance about that in writing ahead of old policy expiration. Now, Erie Insurance is trying to extort money from me for insurance I did not ordered/contracted. Letter to the President/CEO is waste of time and money. They are crooks.
FT WAYNE, INDIANA (CLAIMS), INDIANA -- My father backed out of his garage and hit my car and he died suddenly, 3 days later, before the claim was made. The paint on my car was still on his truck and at the right height - according to the adjuster it was "cut and dried". The claims department is refusing to pay because "they cannot interview him". They expect me to call my insurance, get it on my record and pay the deductible to get the damage fixed. I don't think so! I filed a consumer complaint with the state insurance commission.
WOOSTER, OHIO -- I had hail damage to my home and I contacted my insurance company and a representative showed and walked around and said "I could not find any damage." I had holes in my siding and pits in roof and around windows. Said only wind damage. Do not TRUST them. Will not communicate with you at all.
WARRENDALE, PENNSYLVANIA -- I had an accident on 10/19/2009 where their client hit me in my car in my driveway. They find me at fault so their client gets a new car and whatever other benefits she received. I have full tort so I should have an opportunity to sue the company for my losses. I went to court today and an arbitrator found in my favor. What do I get for not causing the accident? 3000. But their client keeps the new car. My car was paid off and valued at 8600 plus 656 rental car and 325 for towing.
One of the insurance companies should be responsible for my losses. I also have medical bills over the limit of 5000 from my policy but yet it would have been paid if she was at fault. Their client didn't have an insurance increase even though she was at fault. Can't get that back either. There is a problem with insurance companies. Then I get 3000 and they want to appeal which just delays everything more which is what they tried to do with continuances.