Allstate Insurance - Auto/home package bait and switch
auto/home insurance package - Complaint
POCATELLO, IDAHO -- In February or March of 2011 I was offered, by Allstate, a bundled service of house insurance with automobile liability insurance. The agent told me that, taken separately, I would be paying more for auto than I currently was with Geico, but that the home insurance would be very competitive, which it was on the surface. I should have known that things were amiss when she told me I could not examine a copy of the policy unless and until I purchased it! But, acting in good faith, I did.
I must make note here that I travel a lot and all correspondance must take place by email, at all times, and I was specific about that with the agent.
A week or so after paying the premium, a local representative of the company showed up to look at the house, and he took about an hour and a half to do so. When he was done I asked him "Do you see anything at all which will cause a problem with this policy?" He said no, it all looked fine.
After this I left for about 3 weeks, and upon my return had to contact the Allstate agent about proof of insurance or some other detail, and in the course of conversation she told me the homeowners policy had been cancelled. I reviewed my email...no notice. I asked why and she said there were problems with the roof (one steel panel was off for a repair), trees too close, construction issues and a couple others I can't recall right now. I asked her if this man who came out was authorized and qualified to answer my questions about potential problems and she said yes, absolutely...so he lied to me evidently. Or so it appears.
I demanded a refund immediately and I got a small refund, of under a hundred dollars. then they sent me a bill for the some unpaid part of the auto insurance which, now that it was no longer part of a package deal, went up considerably. I called Allstate claim resolution and explained the entire problem. He was very cordial, took note of all I said, and that was the last contact I had. I am now barraged with calls from collectors. I told them, as I told the claims resolution guy, that I am never paying. I have no legal responsibility to deal with collectors but I would like it to stop. Thanks....Dan Strayer, Bonners Ferry, Idaho.