Allstate Insurance Complaint - Fictitious Allstate Policy
When we moved to the Cleveland area from Indiana back in 1997, we transferred our auto and home policies from there to here. Our agent asked for and cashed our check for $400+ to cover the first couple months of the policies. After asking for a proof of insurance card for our vehicles, our agent offered us a handwritten card with our policy numbers on it (on his business card; I still have it in my possession). When we called Allstate a couple weeks later about our permanent card, we discovered that our agent had never filed for our policies and moreover had issued us fictitious policy numbers.
Multiple calls to various people at Allstate corporate resulted in no progress other than to frustrate my wife to tears (literally). We finally resorted to filing a report with the Ohio insurance regulators, which got Allstate's attention. They finally managed to rectify the problem, but by this time we were transferring our policies to other companies who were customer-friendly. The icing on the cake was when Allstate sent us a collection bill for $200+ for insurance we never had. In a phone conversation with a high-level Allstate executive, I stated that they could write it off as a cheap learning experience or take me to court over it so I could have fun relating my story to the media. Nobody at Allstate or at the Ohio Insurance Commission ever asked me for the handwritten card.
I understand that no company can 100% prevent rogue employees from cheating customers. A well-run company will immediately fix any problems caused by its employees without any effort on the part of the consumer, though. And a termination for the agent was certainly in order. As far as I'm concerned, Allstate will never see another dime of my money, and I never miss an opportunity to relate my story when in I'm in a conversation with someone about insurance.
The postscript to this story is that we were told by a couple Allstate agents later that this guy was a trainer and was well-known in the local Allstate "community" as being dishonest. Just another reason not to trust the company.