Allstate Car Insurance Reviews

I called them up and told them not to take money out of my checking account until this was resolved. As a precaution, I transferred the money to another account until I settled this with them. I phoned them and asked them not to take any money out until this was resolved. They said they would see what they can do, but proceeded to try to take money out anyway. When they couldn't, I not only received a $35.00 charge from the bank, but also a $25.00 charge from them. I again called them to tell them to cancel my insurance at this time. A couple days later, they tried to take money out again, which resulted in another $35.00 to me. I called them again to confirm my cancellation. Now, I still get a $25.00 bill from them saying I didn't cancel in time.

And I'm supposed to be in good hands! Never let this company take out automatically from your account! If they decide to raise your premium, they do not need an explanation. I have wasted more time on the phone with them in both the US offices and their India offices without any solution. I have a better insurance company now with a $400.00 a year less premium.

Allstate has given me nothing but trouble with my injuries. I have suffered shoulder injuries, neck injuries, knee injuries, abdomen injuries. Three days after my accident, I was asked by them why I was not at work the next day after the accident. Now, mind you, I was still in the Trauma Unit. They have since hired their paid gun idiot doctors, that know nothing of your previous medical history, and paid them to say this was all preexisting so all benefits have been cut off.

They sent an open claim letter to my orthopedic surgeon saying that my surgery was billable under the MVA. He did the surgery on 1/3/2012. I got a letter 1/6/2012 saying they had cut me off and nothing would be covered. My orthopedic has written a letter stating this injury was from the accident.

Today, I get a bill for almost $30,000 for my surgery, as it has been denied by Allstate. I am not working, I have no money coming in, my neck is a mess, and they would not let me get the physical therapy on my shoulder that was required with the surgery. Now, my shoulder is frozen in place. They (Allstate) have destroyed my life.

I have paid my insurance on time always and this is how they treat you. I would love for them to get hit at 80-85 miles per hour, head on, stopped dead in their tracks, while driving at 45 mph and not be able to get the coverage they need. I was told by them to sue them. Really, so you can raise our rates more? This company sucks. Change now or if you are considering them, don't! They are idiots playing games!

We called the place where we parked the car and they said that they have the information of the vehicle but they won't release it to us unless the police will request for them. But the police said that they won't do it as well as the insurance. In this case, what is the use of having insurance if they will not pursue to get the other parties involved, and they will make us pay the deductible? And the person at fault just can get away with the crime. The law mandates us to have insurance and pay them for nothing. They are making money from people but they won't get involve to solve the crime. I absolutely don’t agree with your law that we have to get insurance.

Allstate ended up paying $4,500 to fix the car, plus renting me a car for a month. I paid my $250 deductible plus $200 to the mechanic. We went to go trade the car in the other day and we were offered $300-$400 for it. After six weeks of hassle and stress and after Allstate paid all that money to fix it, the car is still almost worthless. It's worth even less than I've paid for the deductible and mechanic. The claims adjuster has been worthless and just keeps saying that this is how the process is supposed to work, even though Allstate wasted $5000 fixing my car. When I asked her why the body shop missed such obvious problems, my own claims adjuster gave me a speech about how hard it is to run a body shop. I can't imagine the experience going any worse than it did. I would have been better off abandoning the vehicle on the side of the road.

I called the agent to discuss. The agent was in vacation the person who answered said, “He will call you back next week when he is back but he did verify and told me that was an error.” He never called back. I did call back myself and the answer, “This is the new monthly payment!” The same day, I called Geico and requested a quote, $185/month! I took it right the way and send fax with cancellation to Allstate. It’s been a week and Allstate still did not cancel my policy and they want me to pay $416.10 for February 2012! I called the main office and filed a formal complaint. Today, they still did not fix it!

The Allstate agency is demanding that I provide one or more of the following documents: utility bills, valid military ID, school tax form, current tuition bills/School grad transcript, pay stub with address, incarceration letter on Jail/Prison Letterhead, Homeowners/Renters insurance Policy with carrier name and policy number, three consecutive garaging receipts.

I am a retired person of 73 years of age, of limited means. I am not employed. I am not a student. I do not own a home. I was not in the military. I do not rent and I have never been incarcerated. I have held this policy for over 25 years.

My attempts to send them a copy of my current Maryland drivers license with an affidavit that my home is at my daughter's home has not satisfied them, and I cannot honestly produce any document they list in their form. Please help me to resolve this policy problem that is clearly discriminatory to the elderly!

I went to trial and it was found I had been injured in the accident and I was rewarded $9500 and they took out $3000 for my medical. Why? And the rest went to the lawyer. I went home and didn't get no help after that. I was by myself and had to pay for my medical after that. I think Allstate should have given me the medical coverage I needed and had paid for for having full coverage. So I'm just wondering what I can do to get medical. Maybe they have something out there that I don't know about. It just don't seem far. I have the pain and have to spend a lot just on medication and see the doctor for my medication. Please someone help me. I could get on disability but that's only if I don't work. Well, that can't happen because even if I have chronic pain, I have to support my family and to get on SSD, I can't work. Life isn't fair. Thanks for hearing my story.

We had several contractors come to the house, and provide estimates for repairs. All estimates have been faxed between September 20, 2011, and Septmeber 30, 2011. In addition, at the claim estimator's request, we have sent several e-mails with photographs attached, showing the state of the house, after Allstate removed the damaged areas. The total of all estimates was provided in the estimates. To this date, we have only received a check for a small amount, which covers only a portion of the needed repairs.

Today is January 26, 2012, and the condition of the house, and the time Allstate is taking to provide payment is unacceptable. There are two disabled people living in the house, and are unable to live comfortably due to its current condition. It is unacceptable to be treated in this manner. I have been an Allstate customer for over ten years, and I hope that this is a one-time experience that I will never have to endure again.

I have worked very hard for it and it is causing me lot of problem in my mind and can’t even sleep because of this. They give me two report numbers: the first one is 0218390573 and then today they give me a different one 0219435021. Today, also I went through an investigation and the person who took my case; I have never spoken to her. I got her name today Nichol D. They always have me talking to someone else. The people from Allstate were kind of surprised by that.

This is driving me crazy. The policy number is 993407342. Allstate is under my wife’s name Ana N. I am in the policy, Hector N. as husband. This is the number from Nichol D. 516 574 8080. I try to call, no answer but maybe if you guys call and try at least to see why are they not paying for my ambulance bill. It is almost on my credit report is affecting my life and also my family. I got 2 kids; one 5 and the other is 3. Please help me. Please I don’t want that on my report and the accident was not my fault.

This tells you how much they don't care. Well, I'm glad to say it's over now and i will never "ever" recommend anyone there. They are a High Desert rip off! People in the high desert, beware of Rick ** insurance! Please! There are better insurance out there for the same protection and less money, Oh, I almost forgot. I never did get the offer to get a check every year or 2 for being a good customer. Rick ** wont let that happen. I won't even rate them because there is "not" a lower star to start with. I never did get a good deal nor good service. All they want is your money and if you ask for something to help you, they will turn you down and Rick ** has a ** attitude. He should not be running anything but his own shoes, in my opinion.

I feel that they intentionally did this to intimidate me for canceling a policy that I would have paid over $1140.00 a year more than with my current carrier. These practices are illegal and I would like to know if there has been an ongoing investigation into the matter being that there are numerous complaints on your site for the same thing. I do also intend to write an official complaint to the Commissioner of Insurance here in Georgia as suggested by my current broker.

Before I explained what had happened Tesa had already made up her mind about how much she wouldn't award me money wise. She instantly blamed me without taking a statement from her insurer and without looking at the police report. The Alllstate inspector who looked at my car and gave an estimate said it looked like it was the insurer's fault. The damage is obvious. He awarded me $265.00 for the damage. Tesa opposed it and only thinks I deserve 25% of it.

Be careful with Allstate. Actually, they are very unorganized, faulty small company run by agents.

My auto ins. was not cancelled. I had the automatic payment plan. As a result, due to my insurance not being cancelled as requested, another payment was debited to my account today 12/21/11. I now have to dispute that payment through my Bank. It will take 3-4 days to have this sorted out. In the meantime my money is tied up and I have bills to pay. I am totally dissatisfied with the way my request was handled.

It now will show another credit inquiry on my credit and I’m trying to keep my credit report clear of companies like this from doing inquires as you know. I want them to write TransUnion and let them know they had no permission to run a report. Thanks.

Allstate corporate said I had to fax the a bank statement for them to reimburse me for the $12.00. I did so on11/23/11. Seven days later, I called Allstate Corporate to see when to expect my refund check. They (Lee) told me there would be a credit to my checking in about another week. Their story changed. I have to pay interest on the overdraft, until they felt like giving me my refund. I called again 5 days later (still no refund), and Sarah from Allstate corporate says that I would have to get my $12.00 refund from my agent, as it was her fault that the cancellation didn't take place. In the meantime, I'm living on my credit card, because I had no money in my checking account.

I called Allstate corporate again, and they said I would have my refund on Monday, 12/5/11. It was almost 2 weeks after the withdrawal. I have called my agent's office on Friday, and they said they would get back with me. I called them back today (Wednesday), and there is still no refund of the $12.00 for the overdraft fee. I was so frustrated that this big company couldn't help, for a mistake that was now my fault. I will never do business again with Allstate, and will voice my disapproval to anyone who asks. I have to pay the interest on the overdraft, and the credit card that I had to use for 2 weeks, for something that was not my fault, and Allstate couldn't be less helpful or concerned.

When I called, the claim representative at Allstate told me to put it through my Independent Health insurance and tell them it is not from the accident and that is what they are there for. Is that not insurance fraud? I phone her back and of course it always goes to voice mail! I told her my back problems are from the accident and I want Allstate to pay!!! Unbelievable. Please do not ever use them as your insurance carrier—you will be sorry!

I feel violated by the false representation of being in good hands with Allstate. I plan to do everything possible to get some due justice. I have three bad discs and extreme pain. I have a full time job at a Vet Hospital and a 4-year old granddaughter with cystic fibrosis that I have custody of. I can't quit my job and I also can't live in pain. I feel like they have taken my money and not followed through with their contract.

I brought the car to Stan Art Repair Auto Shop located at ** Oklahoma City, OK 73126, by Mr. **, Mr. **, and staff. The company has discontinued working on my car, because All State refuses to cover these damages. The staff of All State were very rude to me. What a nightmare. My family car is not repaired, and All State has not sent the check to the repair shop. They refused to pay for the repairs and treated my car like dirt. Help please!

The police report was wrong twice and is still so. I got a rent car, it rang up $1,000, with interest, and needed to be made "whole" as it is termed. Subrogation should apply. Do they, the insurance company, know what that is? I keep getting harassed like the girl on 10-28-2009, Tracy from Leesvill, LA. It is exactly what All State and State Farm are doing to me -- phone tag, games, a new person each time, and no one knows anything, a tactic by each insurance company. If the insurance company is headquartered in Illinois, beware, that is the “crook” state, mafia-related most likely. Now I think they are working on using alias in names since they both have such low ratings and high complaints. They are now advertising like mad and even offering coupons.

I was fully insured, and not at fault, but it has placed a physical hardship on me. Seven weeks later, I have problems going to the bathroom, still bruised, back aches and headaches, and I feel like my eyeballs are just circling in the sockets. I now believe I have a CHI, closed head injury as a result. Cognitive and memory are shot. My neck aches and gets stuck. I've got problems with money since I have had to go buy a clunker car to get around in.

State Farm never even filed a report on my behalf. Now, they do not want to pay a rental car since I went and got one myself on my credit card. Then they say I did not have rental coverage, but the head office says I do/did, so does my new insurance company after having read my policy. I paid for services not honored by State Farm.

Joseph ** has not given any of his employees Allstate e-mail addresses or business cards to avoid Allstate finding out about his operation. He even created a second alias for himself within the Allstate server so that the unlicensed producers may log-on and write insurance policies. He was a Liberty Mutual agent over ten years ago before opening his Allstate agency. While making the transition, he stole hundreds of underwriting documents/declaration pages containing confidential Liberty Mutual policyholder information.

To this day, he continues to use these documents as insurance leads and has his employees cold-calling the Liberty Mutual clients. He would also have the office use the Liberty Mutual customers personal information to run consumer reports and mail-out quotes without speaking to them.

I brought these issues to his attention and he responded saying that it was his office and he will run it the way he wants, then shortly after, he fired me.

Three weeks later, I finally got a hold of the lawyer and got the policy number. I then started to make a claim with Allstate insurance. Allstate insurance people refuse to deal with me because they could not get a hold of their client, so then, they don't give a ** about the police report or anybody else. Allstate, are you heartless?

It has been some time already, and Allstate should have everything they need in order to move forward with my claim. I need to get my car fixed and a car rental, and I need to go on with my life. Please, don't ever consider Allstate for any of you insurance need.

Since then, I have received over 12 phone calls from Allstate asking for the same information about Geico. And each time I speak to a manager, I get the same answer, "Everything is now taken care of. Thank you for doing business with Allstate." Today, I got a bill for $1,835.63 due in seven days. I called and after being hung up on twice, I was told that there is nothing I can do. If l want to cancel, I have to pay $300. I don't even know how to help myself with this one. I signed a contract, don't they have to honor that?

The documents were sent to another person, Susan **. I later found out that she lost my documents. We rent a truck as we need it, but now we're losing a lot of money. This woman has caused more damage - losing the papers, then lying that she sent them back. I asked for the tracking # but she could not provide. Allstate is the shadow of bad luck. Allstate does not offer great service.

When we went to pick up the vehicle, we drove it around the block and drove back and it still had transmission noises, front end vibration and noises in the rear. They tried to contact Unitrin but no one answered and we left messages for months. Since we had no other vehicle, we had to drive the vehicle and the body shop said drive it until we get a supplement approved and a rent approved.

After five months of calling Unitrin, they responded and approved everything except they now notified us that the insured policy limit had been reached and they are no longer responsible. We then called Allstate, our insurance company, where we had uninsured and underinsured coverage. Since we did not have money to rent a car for six months, we had to drive this vehicle.

Now Allstate is claiming that the damage to the area where the impact took place is not a result of the accident and denied coverage. The impact was the driver's side front impact. The payment by Unitrin including the first rental car exceeded $10,000. Now the auto body shop said it needs $3300 more plus the transmission has now gone bad, so an inspection was requested by the body shop.

The car now sits at Ford with an additional $9000 needed in repairs and the car is only worth $12,000. This car already has 10,000 in it and now 9000 more. Ford said it should not be repaired, Body Shop says it should have been totaled but Unitrin said fix it. And now Allstate said take a hike.

What do we pay insurance companies for?

It happened on a Sunday while I was taking a ride to enjoy the morning hours. As I was approaching the intersection, I looked at the traffic light three times to triple check myself. It was green so I continued. As soon as I approach the intersection, another car runs a red and I didn't even have time to react. I was rushed to the hospital; otherwise, I would have gathered the information I need (which weren't given to me, so far).

Since I was released from the hospital, I have worked around the clock, lost some sleep, and nearly lost my job in the process. Dallas Police Department refuses to release a police report saying that it isn't ready yet. The insurance can't move forward because they need the police report. Insurance will not pay a rental because I didn't choose that option. They also failed to notice that that was the option for my previous car.

I have been arguing with the insurance company to change the information about the car involved in the accident and now they are blaming me for not providing the information they needed. I told them that the dealership, Bankston Nissan, told me that they would provide that information to insurance. I called shortly after and provided the information myself. Now, they are telling me that they don't have that call on record. Not true. I did call and it isn't my fault if their employees forget to put information in the system.

I found this out when I switched insurance companies after many years with Allstate. I had experienced repeated problems with getting unreliable information and service from Allstate, and finally, I made a positive move away from them.

On 12/08/2009, I hired an attorney, Todd **. On 11/25/2009, I showed up at the courthouse for traffic court, as scheduled. I found out that it was rescheduled for 12/09/2009. Atlanta's finest bureaucrats do not think accident victims should be notified of such changes. So, it was a wasted try; wasted time, lost work hours, and lost $9 in transit fare. When I sent a complaint to the mayor's office requesting reimbursement for the wasted $9, I was notified months later after Kasim Reed became mayor that my request was denied.

On 12/09/2009, the Allstate insured (driver who rear ended me) was found guilty in Atlanta Municipal Court of "following too closely". She, the insured, appeared in court in skin, tight "bling-bling" jeans, and spike heeled boots. She behaved aggressively in court; yelling at the judge and trying to argue with him until he threatened to charge her with contempt.

I dealt with adjuster, LaSonya** first. LaSonya loved to play phone tag. She is usually unavailable when I tried to reach her, frequently out of the office. When I could reach her, she was full of herself. She gave me the runaround; she procrastinated and was rude. She was extremely condescending. She never read the police report, because if she did, she would have been more knowledgeable about the situation. She took racist digs at my surname, repeatedly mispronouncing it with emphasis after being corrected multiple times. I demanded to speak to her supervisor, and was eventually turned over to Kathy **. I do not know if Kathy ** was really LaSonya's supervisor or not, as these people are pathological liars. Kathy lied to me; giving me false deadlines for submissions, then became hostile and threatening when I told her I was hiring an attorney. She said, "I would advise you not to do that!"

After hiring Todd **, the case was turned over to an adjuster, TRACEY WATKINS, who requested various items multiple times, pretending not to receive them or have them. She procrastinated and dragged this out, often failed to return calls to the attorney and et cetera. Early in August 2010, I filed a lawsuit against their insured in Georgia State Court, as per the advice of my attorney. Thanks to Allstate's adjusters' procrastination and unethical behavior. After filing the lawsuit, Allstate turned it over to one of their attorneys, DAVID **. When presented with interrogatories, the insured admitted fault for the collision. Although she was found guilty in court, and she admitted fault for the collision, David ** insisted on requesting a jury trial for the insured. Again, more procrastination, delays and et cetera.

On March or April 2011 (I get conflicting accounts), David ** supposedly fell ill; the case was turned over to another of Allstate's lawyers, John **, who is from the same law firm-- Moore & Associates of Atlanta, Georgia. John ** waited until a month before the trial date, then offered a ridiculously lowball settlement of less than $7000, then revised the offer to $8000 for a $20,000 demand. In February 2010, my attorney told me to "stop running up a bill for Allstate" because he didn't think they would pay it. So, I was forced to stop taking medical treatment, and I still suffer because of it.

My attorney later became very discouraging; telling me that it is impossible for me to win the settlement, insisting that I settle for $8000. He used disinformation to intimidate me into verbally agreeing. I was under the impression that I could sue again for the difference, if forced to agree to a settlement that was less than the demand. He failed to explain things clearly; failed to tell me exactly what I would be agreeing to, failed to tell me what I would be required to sign, then surprised me with an Indemnity Agreement and Release of Claims which specifically say that the insured "admits no liability," and that I have to "hold harmless and indemnify" Allstate and their insured. When questioned twice about why he didn't explain to me in advance exactly what I would be agreeing to, he never answered that. When asked why he didn't bother showing me the settlement documents prior, he claimed not to have them in his possession. Yet, he never bothered asking for the documents so that I could review them prior to agreeing to anything. He also failed to mention to me until late June 2011 that the case had been turned over to a different lawyer. I came to know that my attorney failed to tell me a lot of important things. He also became condescending, and began to side with Allstate, defending their bad behavior and et cetera.

I found out that he had misinformed me and intimidated me without good cause. Contrary to what he said, there is NO correlation between property damage and physical injury, and that this is disinformation used by Allstate and other companies to trick judges and claimants. I clearly refused to sign the settlement documents. I fired that attorney last month, July 2011. I am trying to manage this on my own now. I then sent documents to the court explaining why I fired my attorney, and that I was misrepresented, that the verbal agreement resulted from being pressured, and misinformed by him. I also explained that I could not attend trial due to illness, and submitted medical documentation indicating the same.

John ** has now filed a motion to enforce the settlement. He mentioned in the documents that I didn't show up to court, and have no intention of returning to Georgia. He failed to acknowledge that I didn't appear due to illness and that I notified the court and him via courtesy copies of the same. John ** insisted in writing to Todd ** that the documents must be signed by me in order for the settlement to be finalized. I have email from Todd ** verifying the same. Now, John ** claims he does not need my signature--- and is demanding that Judge Eleanor ** force me to settle.

John* * today amended his motion to include an attorney's lien of an unspecified amount (guess the sum wasn't important enough to mention??) on behalf of Todd **, who misrepresented the ** out of me. Todd ** never sent me a bill, invoice, letter, email or anything else indicating that he expected or was demanding payment. He just surprised me with a lien. I believe the lien and the failure to simply request payment prior to filing the lien, was spiteful retaliation against me for refusing to be screwed and firing him. He knew that if I'm forced to settle for $8000, not only will I be left with nothing after nearly $8000 in medical expenses is paid, but I'll be left owing money. If the Judge forces me to take this paltry sum, I'm sure she will also give Todd his "lien" money before she allows the medical bills to be paid- simply because he is an attorney.

Due to the tone of a letter from John ** to Todd ** which closed with, "glad we could work this one out," and an email that indicated Todd ** and John ** have been communicating about my case after Todd's firing, I am under the impression that these two have been in collusion against me, and that perhaps Todd had an incentive to let me get screwed. So, that's where I am now.

After 4 months, I now have a credit collection agency letter. I called prior to July 2011 and was told to send a letter of cancellation and everything would be settled. But when I came back from a trip, I received a collection note. I then called the customer service department and they said that they need my declaration page. I thought that it was unnecessary because who I have insurance with is none of their business. Besides, I don’t even need an insurance policy. This is a personal choice and my agent knew this too. I asked for a supervisor because I felt like I did not need to give my declaration page. Why didn't my agent and the owner of the Allstate call me for the information personally since they did business with me? They could see that I no longer have car insurance with them and haven't made any more payments on the house insurance. So I called and told Allstate not to waste their paper in mailing because I have switched to a different insurance company. They told me to fax over a letter, which I did, but nothing happened afterwards.

When I got back from vacation, I received a letter from collection agency which really made me upset. I was a loyal customer. I even brought my family and other customers to them. I never received anything from Allstate after I sent the fax so I called them back at the customer service department and demanded to speak to a supervisor. I was placed on hold for over five minutes so I assumed no one was going to get back to me. I called again and finally received a supervisor. I explained the situation to him but he insisted for me to send them over my declaration page. He was about to give me instructions but I continued asking him questions as to why I did not receive any notification from Allstate or from my agent even after I sent the initial fax. While I was talking, the supervisor rudely hung up on me. So, you’re not in good hands. No one wants to do the job of giving you quotes when you’ve asked for them two months in advance. I warned the agent several times that I was not happy with the quote she gave me. I wasted so much time on this. I am tired with the customer service wait time when they could not even look up that I have insurance. I know that insurance companies can see if a customer has an existing policy and who s/he has insurance with. So why put me through all of this and waste my time? I am very upset and hurt by how everything was handled.

I called the payment department. I found out that my payment was taken out on the 5th for $86.51. This was done without me giving them the routing number, and the checking account number. I called customer service on Saturday of 8/6. I told them that I didn't give them permission to take money out of my account. She said that she will ask them to reverse my money back into my account 24-48 hours.

After I had spoken with Gen from customer, I called Michael ** (916-681-0815), and he told me that I should cancel my account because he was not my agent. He couldn't help. After I have cancelled my insurance, I was to come and see him. I checked on my account and found out that they did take out the $86.51. Since I cancelled my account, Allstate said that they get to keep 10 percent of the $86.51.

I don't have insurance for less than a month, and now I'm out of $186.28. How can they do that? I'm on SSI, and that is why $49.94 would have been good for me to make the payments. Please, help me as fast as you can. To me, this is elderly abused. I also have a witness. Her name is Cathy **; she is my niece, and her phone number is **. Thank you.

Now, almost 5 years later, I'm trying to switch to another Auto Insurance (Travelers). I'm getting a good rate since I have a good driving record. Everything was good until Travelers told me that they have a claim in the history, claimed dated to 2007. In this claim, it says that Allstate paid me $127 to cover the damage to my car. Because of this claim, they can't give me the rate that was promised. They advised that I can contact Allstate regarding this claim and ask them to remove it from my record.

I contacted Allstate and talked to Allstate Claim Representative, Susan **. She told me that Allstate has no problem regarding this claim, that they collected 100% from the other carrier for the damage of my vehicle. She sent me the official letter. After that, I contacted Travelers again but they could not change my rate since the history still shows that I had a claim in 2007 and Allstate paid me was $127 to cover the damages on my vehicle.

The cop failed to show up at the proper location the call had been requested so I volunteered to go the crime scene but he declined and came to the precinct where I waited and dispatched the call. I was assigned to an adjustor who conveniently went on vacation for over a week and the person she forwarded my claim to failed to see it, so no action was taken during that week.

I called back and was told it was assigned to an investigator and that I have to talk to him. He was hard to reach and despite my request for the company to make note of hours and phone numbers, we continually played phone tag. Then, I was sent a letter saying I was not available and he had been trying to reach me. So, I called and was like “What the **, I have been calling you and leaving voice mail during your hours from 7:00AM to 3:00PM even though I work from 12:00PM to 8:00PM.”

Once my adjustor came back, she began to blow me off and forward my case to the investigator who did not seem concerned and in any type of rush. Well, she went on vacation and then once again within two weeks. I played the waiting game. I forgot to mention that her stand-in informed me of information needed to move forward and gave me a fax number and notice to expect documents to be notarized and sent back to her office.

I completed the forms and sent them back and then got another packet of different forms to be notarized and sent to the investigator. I did all of that. She also informed me that I completed a form improperly. She also told me to avoid writing statements on it and instructed me to fill it out as the adjustor had found rather than estimating from my recent services. Once again, I complied.

The next week, I called and was told to give permission for a police report and something else. I called back this week and was told I was pending a forensic investigation report. After I hung up, the investigator called me back and stated he overlooked a request for cell phone records and so I caught the bus to the city where the crime took place and the cell phone company’s local vendor but the system was down. I had spoken with the investigator and asked if there was a fee, could it be added to the claim or get reimbursed? He just said he would make note of my request and could not say yes or no. Instead, he instructed me where to get an answer. He was rude with the cell provider when she informed him the system was down to the point she asked which insurance company is this. I am shopping for insurance and I will be sure not to use Allstate.

Sensing my distress, she asked if I had gotten an attorney. I said I have anxiety so bad dealing with them and my personal issues, I have only tried to comply without question. She advised me that I get one. Then, when I called to ask “Why is it that every time I call, I am being asked to incur additional expenses for a request for which no one knows why it is being requested. I signed a power of attorney form and others giving you access to my credit, the car and basically my whole life.” That fell upon deaf ears. I was again asked to incur another expense and mail my keys to the pub in Camby, IN. I’m like “Are you kidding me?” He also adds there may also be a need for a meeting with the insurance company. I am still waiting for an answer why I just was not told these things up front so I could be working with them and still did not get an answer. However, the supervisor told me the letter stating the expectation to settle the claim within 30 days is generic and there is no real way for the investigator or himself to know. So basically, it is not true and it comes from another office which would not know either.

I took the advice of the cell phone company representative and called the local bar association. After looking for what is happening under my circumstances and researching for others, I felt that the poor work and customer service I received may very well lead to inept employees attempting to narrow or prejudice the investigation to focus only on me.

Additional stress is exactly what I don't need so I plan to call the attorney they gave me even though he is nowhere close to me and have no means of transportation. I may very well lose my nearly $50,000 a year job by waiting for months to resolve this issue. I don't think they care or know how devastating a theft and fire is to a person and the stress and anxiety it puts having to deal with the issue. I am definitely not in good hands with Allstate. By the way they are still collecting the auto payments from my bank account even though they have established the car as totaled.

I asked him to move so sanitation and mail could get thru but he told me he was conducting business and couldn't oblige at that time. Two other vehicles were present and those persons definitely worked for Allstate. They acted as if they were the only thing important at that time and their venture superseded all other incidentals! Time of day was approximately 10:45 a.m.

As a result of the accident, the ** had to drive to Greenville, SC from Irmo, SC to get their daughter a rental car. When they arrived at Elgin's towing to get the license plate, they discovered the car had been taken to Copart and the license plate had not been left at the Elgin's. Mr. David ** was contacted and he assured us that Copart had left the license plate and he would follow up. Several days later another phone call was placed to Mr. ** in regards to the license plate. That same day, Mr. ** called and confirmed that Copart did have the license plate and they would be mailing it to the **.

Mr. ** has made an offer on the vehicle in the amount of $2,368.75, he will not pay anything towards Loss of Use. The market value on the vehicle according to Auto Trader, MSN Auto's, Yahoo Auto's, Kelly Blue Book is between $3,000.00 and $3,500.00. This is taking into consideration the age and high mileage on the vehicle.

The **' have taken days off from work to deal with rental cars for their daughter, mileage to deliver the vehicle due to Allstate not making a rental vehicle available to Laura **in Greenville and actual rental car expenses.

I talked to Mr. ** about the offer on the vehicle and he stated that Allstate uses a calculation via a program supported by the Department of Insurance to come up with the dollar figure for the offer. He will not provide a copy of this information. He stated that unless he received information on the vehicle contrary to his offer, there would be no increase in the offer.

I contacted Allstate via the Internet and was told that KBB could provide the needed information to determine the value of the vehicle and that it would be up to the adjuster assigned to the claim to determine the actual valued amount of the vehicle.

I obtained information from not only Kelly Blue Book, but Auto Trader, MSN Auto's, Yahoo Auto's, and found that the value of the vehicle is between $3,000.00 and $3,500.00. I forwarded this information to Mr. Teachy and followed up with a phone call to make sure he had received it. He stated that he did have the information and would review and give me a call back. I did not hear from Mr. ** that week and later learned that he had been out of the office for several days.

I called Mr. ** again about the offer and he stated that he was talking to local used car dealers about the value of the vehicle and would be getting back to me. He called on Friday, July 8 and the offer was increased to the amount of $2,368.75, with no monies offered for Loss of Use. I asked to see the used car dealers calculations and was told everything had been handled over the telephone and there was no documentation. Again, Allstate would not provide a copy of any information.

I then called 2 used car dealers and asked for their input on the value of the vehicle if it were on the car lot for sale. The dollar amounts I received were $3,550.00 and $3,875.00. I informed Mr. ** of this and still there is no increase in the offer.

Insurance is to put you back into the very same place that you were prior to the accident, which means that they give you what the car is worth so that you can buy a replacement car that is similar. But Allstate is not willing to give us what our car is worth. They are not willing to pay for a rental car that had to be obtained due to the accident and then due to their delay and their lack of making fair and reasonable offer. On top of the unreasonable offer, we tried reaching Mr. ** only to discover he was on vacation. His vacation is not our fault, Allstate should have assigned someone else to handle the claim while Mr. ** was out of the office.

Our total Demand for this claim is $4,658.06 plus additional expenses of a rental car.

It is our hope that the BBB will investigate this situation. I have included some of the documentation with this complaint, but if you need anything further, please do not hesitate to contact me at your convenience.

**

I then received two documents that I'm expected to sign, in order to receive my laughable scraps. Regarding the indemnification agreement, I am expected to "hold harmless" and "indemnify" Allstate and the driver who was found guilty in City of Atlanta Municipal court on 12/09/2009. On the release of all claims, they want me to sign a document that states that I was not "induced" by "representations" made by my attorney and physicians regarding any aspect of my case. Ha! But wait, there's more! It goes on to state that "the parties hereby released admit no liability" and that the settlement "is made to terminate further controversy."

These conditions were never mentioned prior to or at the time I was advised to settle, and these documents were never made available until afterwards. Had I been made aware of these things prior, I would never have agreed to anything. Admit no liability? The other driver was found guilty in court! Now, they want me to sign a statement that says the driver is not liable. Furthermore, they're supposed to be compensating me for damages, not just "terminating controversy. " In the beginning, I had no plans to sue the driver because I (mistakenly) thought that her insurance company would do what she paid them to do. Now, I have no choice. They're forcing me to sue their customer.

These are very sick individuals who have chosen to carry out the inhumane, unethical, infernal schemes of **, **, Allstate's stake holders, and McKinsey & Co. Evidently, the individuals responsible for hiring at Allstate make it a point to recruit demented "like minds." Someone who has the skills and qualifications to process insurance claims can find a decent job doing something better than ruining the lives of others. A lawyer has infinite job opportunities. He/she doesn't have to defend unscrupulous corporations. Nobody is "forced" to become employed by Allstate. It's a choice. If they don't like the way Allstate abuses victims and customers, they're free to seek employment elsewhere. They stay because they get pleasure from inflicting psychological and economic abuse on others.

After obtaining an estimate, I went to Allstate's claim department I was directed to by Megan **. And this guy who looked at my car told me "they" estimated the damage at $900.00 and that was all they were going to give me. I told him about the estimate and was willing to show him but he said it didn't matter how many estimates I had, they weren't giving me any more than "they" estimate the damage to be.

I called Megan ** back and complained, but I was told the same thing--"they" were not going to give me any more than what "they" estimate the damage to be. She said that I could take the car to a shop if I wanted and if it was more than the $900.00, then the shop would put in for a supplement and then Allstate would consider more of a payment to the shop.

Because of their intentional lollygagging, I have a $3,000 plus lien against me from a chiropractor. Their insured rear ended me and was found guilty in court. I suffered a spinal injury, pain and suffering, diminished quality of life, negative impact on marital relations, restricted ability to perform daily tasks, and was forced to postpone starting our family. My attorney and I demanded $20K, which is reasonable because he gets his fees before I get my compensation. So, this would leave me with enough to pay all bills and be adequately compensated. Tracey ** offered $6,926! What a joke! Recently, David ** upped the offer to $8,000, which is another slap in the face! If they don't pay, I'll have to sue their customer. Where's her liability protection, now?! What did she pay them for?! Did they think it was a charitable donation?!

This claim is a 100K claim and they made an offer of 10K to settle just last week and invited me to counter. So I did. I countered with 100k. I was told that they had the report from an independent medical examiner and that my medical records did not mean much because the I.M.E. said that I would not require any further medical care for the injuries I sustained on 3/14/04. I told them that the Insurance Dr. knew who was paying his bill and I wondered how independent his findings were.

I had a neurosurgeon state that I would need follow up care and medications, in the future. I furnished them with the neuro report(4/05/2010). I handed a copy to the Insurance Doctor and e-mailed a copy to Allstate. At the time of impact, I was traveling at a speed of 35 M.P.H. The driver of the other auto made a left turn and I T-boned an 85 Ford. I am glad that I did not go to the E.R. because I would be at this point be homeless due to the medical bills this visit would have caused. I was also an E.M.T. and was able to do a self exam and knew that I did not sustain any fractures. I was also on pain meds for a previous injury at that time.

Allstate is all about their bottom line and has zero regard for it's consumers. Knowing what I now know regarding their tactics and "boxing gloves" on the good hands, I am seeking a new auto policy with another company after 20 years with Allstate. The person who caused the accident was uninsured and I was told that I would have to go after my own insurer to seek a settlement. If lawyers rate them as the worst for their mistreatment of their clients, how should I have went after Allstate?

The TX Windstorm customer service rep told me that my account had not been renewed since 2008 , and had been canceled due to non-payment. I couldn't believe it. My home was not fully covered for the last 3 years. I immediately called my mortgage bank Chase, and they explained that funds were debited & forwarded to Allstate agent Manual ** for the years in questioned, 2008, 2009 and 2010. Also Chase informed me that Manual was also overestimating my annual payment. Chase also referred me to my end of escrow statement which listed monies debited and deposited from my account. And there it wad, debits for TX Windstorm in 2008, 2009, 2010. So why wasn't my TX Windstorm canceled for non-payment? Where is the $3000 I filed a compliant with Texas Dept of Insurance?

I wrote a notification letter to Allstate headquarters. So now I'm waiting for the results of these two complaint processes. To make things crazier, I received a letter from Allstate stating that agent Manual ** office has closed and I needed to select another agent in November 2010. The 2010 TX Windstorm payment was still mailed to Manual and it was debited from my escrow account, after he left Allstate and I can't figure out how he was still listed on my account in Nov 2010 & Jan 2011. I guess he planned on collecting my TX Windstorm payment, but he didn't figure I would sell my house and the truth would be revealed.

As I research and learn more about my situation, I have found out I'm not the only one who have been tricked and deceived by "a good hand" agent. Now, he is claiming he returned the funds for each year , showing his Allstate Office checks. My reply to this is who did he return the payment checks to and why didn't he return the original check back, why was the check cashed and placed in his account . Secondly, since my TX Windstorm account was canceled in 2008, why was he still requesting for fund for my Chase escrow account?

This last instance is the last straw. On November 17, 2010, I spoke and I faxed over a letter from Ally regarding updating insurance coverage for our leased vehicle and I also wanted to speak to James about our rates going up again. On the 18th, I spoke with Stephanie as I had not heard back from James. I spoke with her again on the 19th. There’s still no response to my rate-increase question, and I reminded her that Ally needed the above-mentioned information. I faxed it over there on the 17th and it was confirmed by Stephanie that they had gotten it.

I also spoke with James as he had answered the phone, and was told it would be taken care of. On December 2, 2010 I got another letter from Ally asking for this information and informing me that if they did not get the required coverage, we would be in default of our lease agreement. I faxed another copy to All State and after several attempts, (once again, he happened to answer the phone), James assured me it would be taken care of. After my frustrating experience(s) with James, I decided to go elsewhere for insurance.

I notified All State that as of December 1st we would be cancelling our Home Owners Insurance and as of January 1st we would be cancelling our car insurance. Our payment is taken out monthly and it would have been too late to stop December’s payment, which is why we waited until January 1st for our car insurance to change.

For the past two months All State has been taking out more for our insurance, even though the coverage was changed to warrant a decrease. Today (December 6th), I received in the mail a bill from All State for $29.48. While this is not a large amount, I still questioned it and spoke with Stephanie today (as James was "unavailable" again). She said it was a collection bill. She gave me an 800 number to call and the recording I got indicated that our insurance was no longer in effect, and it also stated that a payment came out on 11/29 and insurance is terminated as of 1/1/11. She could not help as far as the bill was concerned.

I also received a note from Cynthia at All State regarding the information Ally needed and she said that she cannot make endorsement to a policy until the balance is paid because the policy is terminated effective January 1, 2011. This problem should have been handled on November 17th when the request was first made. And further more, we are still insured until January 1, 2011. I have never dealt with such an irresponsible group of people in my whole life. James was supposed to be in the office at 3:00 today and was supposed to give me a call and, as usual, I haven't heard back from him.

I told her no way could it inflate that much. "Does it sound wrong to you?" I asked. She said, "Well, you need to talk to Jim the owner or manager." So after about a week, he came to the conclusion that it is what it is and referred me to Mutual of Enumclaw, which I am currently with. I never did pay them and figured it would default as when I was late in the past. If your payment isn't received by midnight at such date, your policy will be cancelled.

Well then to top it off, I have received a collection agency to pay that $1500. I went to the office again. The lady there told me I owed it and I had never cancelled. I told her every time, I was one minute late in the past, they had cancelled me and I had to reinstate and pay extra. This just feels like they didn't care. I am sure if they had looked into it, they would have found that someone hit 1 to many numbers or something because $1500 is like what I pay for an entire year, much less a month.

In July 2010 I suffered a break-in at my home. I contacted my insurance company Allstate and informed them of the unfortunate incident. I did everything they told me to do. During the initial investigation, the investigator representing Allstate told me that my home was dirty and it did not look lived in. He said it looked abandoned and I got very angry and told him that I was 70 years old and a widow of 2yrs. I told him that I was doing the best I could to keep up the property.

I am embarrassed that I live in below standard conditions but I do not have a choice. The east side of Detroit has changed for the worse and I, like so many others, are trapped. There is no way out for me and I am too old to find work. My fixed income is all that I have left.

I filed a police report. I completed 3 affidavits packages. I did an E.U.O. (Examination Under Oath) and 5 months later, I still have not heard from Allstate about my claim.

On October 28, 2010, I received a letter from Allstate stating that my Homeowners' insurance policy was going to cancel on January 16, 2011. The reason for the cancellation was vacancy!

On November 9, 2010 I called my local Allstate office. They confirmed that my policy was going to cancel on January 16, 2011. She told me that Allstate's home insurance policy states that if your home is vacant for more than 30 days, the insurance will cancel. I told her that my home was ruined, rat infested, and truly "unliveable" at this time.

She asked me if I would be back in the home by January 16. I told her that I have had a claim in with Allstate since June 27, 2010 and they have not settled with me yet. They asked me the agent's name handling the claim and I told her his name. The lady told me to contact him ASAP because the policy will cancel if I do not move back by January 2011.

I called the agent and complained about not hearing anything about my claim status for over 30 days. I also told him about the letter from Allstate. He apologized about the 30 days and he told me that I should receive a settlement letter in 2 or 3 weeks. I told him that the reason I have not moved back in my home is because Allstate has not settled the burglary claim I filed on June 27, 2010.

I told him that I feel violated and abused. Allstate has not settled in a reasonable time and now Allstate is going to cancel my homeowner's insurance.

It appears that Allstate is waiting for me to die! If I lived on the other side of 8-mile road, this would not have happen. Allstate knew my situation. It is no secret that I have had some severe health issues before and after the death of my husband in 2008. I have been hospitalized and placed in nursing homes for rehab. My need for assistance and supervision has required me to move in with my son for short stays also. But I have always returned to my home and tried to keep it up the best I could.

I have been loyal to Allstate for 40 years and I have never filed a claim. I have always paid my insurance on time. I am hurt and very disappointed with the treatment I am getting from Allstate. I have done everything that Allstate has asked of me even when I knew that they were taking advantage of me. Every time I complete one task, they give me another.

I am pleading and begging you to help me with this nightmare that Allstate is putting me through. I also wonder how many other black senior citizens in lower income cities like Detroit are being victimized by this large insurance company. If you would consider helping me, I believe this unfair treatment of elderly people would stop.

I am open and willing to do whatever you suggest in attempts to expose Allstate's horrible practice of not paying claims and taking advantage of poor people. I am still out of my home with no indication when I can return. The home is in danger of further damage with no insurance coverage.

I got out of the military and August comes around but my benefits has not been awarded yet. I was waiting on them so I called to let them know that, "Hey I waiting on this to come in." They replied that they are sorry that this is happening and that it will be taken cared of. September comes and I receive a letter that just states that your policy has an increase of $55 and some change. I thought it was due to the fact of August. I was OK with that and understood their position. I got my benefits in September and paid them on the 09th for the full month of Aug and Sept for $212.

Everything appears to be fine then a few weeks later, I receive my bill for October. OK like usual. The next day after receiving my bill (almost 3 weeks after paying my bill) I get a letter stating that my insurance had been canceled on Sept 09 the day that I made my payment and they inclosed a refund check of $55. I called them and they stated that because they had not received a document that I had to sign and return that they had to cancel my policy.

I asked what document was it but I could not get a clear answer for the longest time while it was denying medical coverage and something else. The insurance was canceled on the 09th and when I got the notice it was the 27th. I had no clue that about the cancellation no call, email, nothing. It sure would have been nice to know. I called in and spoke to them several times about payments, I had made payments and everything but no one mentioned that something was "wrong" with the policy, but they were more than happy to take my money.

I spoke with customer complaints about the issue and they said that there was nothing that they could do to reissue the policy and for me but to contact a local agent. So I did to get a new policy written. But guess what, I would have to pay high risk insurance rates because of the lapse in coverage. I declined and then received a letter from Allstate saying that they could not even write me a High Risk Policy. This is for a 25-year old male who has never had a ticket, accident, or claim with any insurance provider.

To me it sounds like they are pulling a "Verizon" with their extra charges that appear and they had to refund $90Billion just last week. There is no telling how much they actually made. I would suggest that anyone stay away from this company although the commercials look and sound good, they really are not the best in my opinion and I hope that no one else goes through an issue with them . Look for another provider.

However, Allstate refuses to pay the money to replace parts, stating that repairs are cheaper than replacement. I spoke with everyone from claim adjusters to area managers, to corporate, and everyone has been rude and uncooperative. When asked if I did the repair and did not replace and I get in an accident, possibly injuring or killing myself and/or my children, as a result of following their advice to repair these unrepairable parts, one adjuster made the comment that liability insurance can replace my life or the lives of my children.

My car has been in the shop for over 1 week and the insurance company still refuses to replace the parts. Although, they are aware that there are safety concerns, Allstate continues to try and force me into going to their recommended shop for patchwork instead. My dealership has recommended, to more than 1 adjuster, several times, that parts need to be replaced and it's even been put in writing. However, Allstate does not want to pay for damages.

Allstate response to that was "we go by what we say, if you want Statefarm to fix it, deal with them". Statefarm based on the total damages they found and BMW found, realized this would go over to a position where they cannot accept liability. The reason Statefarm didn't want to accept liability for this was due to the amount of coverage they have on the their policy holder. They told this to Allstate but Allstate still forced the issue on them so as for Allstate to not pay for no damages The party Statefarm insured policy only covered $25000.

Otherwise Statefarm was willing to deem my vehicle as a total lost. Allstate response as to why, "Well, Statefarm have coverage problems, so they just give the estimate to cover everything that could possibly come up, such as rental, storage and damages." This was told me by Latesha, my claims rep. but when I looked over the estimate given to me from Statefarm, I only see an estimate for damages parts and labor. So Latesha was degrading Statefarm and she bluntly lied to me over the phone

Allstate refused to do what Statefarm is willing to do. Allstate is cutting back on quality to save pennies and also I am getting the run around with them. Allstate told me not to call the claims rep. any more, this was told to me by her manager and I am to deal with the adjuster. But this is the rep who fed me all the information and also didn't listen to Statefarm.

My vehicle damages will exceed the 80% of the industry average for a total lost, however, Allstate still want to attempt fixing the car which Statefarm would rather totaling but can't due to their position. I have to be making several calls to get a resolution to this issue and Allstate is not doing the correct thing. Basically Allstate doesn't care about me, they care more about their pockets. I have spoken to over 10 people and to see I pay insurance, to see I wasn't at fault, I would expect better since I am insured with them.

I have 2 false accidents on my record that are harming me. I have not had any accidents. What can I do? it is costing me $200.00 more to insure my car because of this lie against me!

Don't let Allstate not pay you what they rightfully owe. If their driver is at fault, tort law requires Allstate to make you whole. Making you whole means paying your reasonable benefits for the lost economic utility while your car is in the shop--and the economic utility is derived from the size and quality of your vehicle. The best way to measure this is to get quotes for a similar or comparable vehicle as yours.

As the only two vehicles I have are the truck and my Corvette which is not drivable in winter or conditions where temperatures fall below 50 degrees F, I needed the repairs done as soon as possible. I want to reinforce the fact that I did not hit anything, real or imagined, nor did anything hit my vehicle. Both my vehicles are very well maintained, despite their ages, and any problems that occurred with them are fixed immediately as can be verified by local workshops. On Tuesday of this week, due to Labor Day, I took the truck to my local body shop which is Kens Collision in Canisteo, NY for it to be assessed. I received a verbal repair quote for approximately $1680. Ken asked if I had a complimentary insurance and informed me that it would be repaired under that insurance. He also informed me that he had recently done repairs on two other vehicles which had experienced exactly the same problem and showed me the Insurance Company’s quote. I think it was where and included the assessor’s name and the fact that the work was covered under the individual’s Complimentary Insurance.

I went home, contacted my local All State Agent who is Amy in Hornell NY, and was told that she would need to contact their Claims Department to establish whether or not I was covered. I informed her that I did not hit anything or that nothing hit me and that there was no explanation for why the hood let go. About an hour later, Amy called me and informed me that I was not covered as the damaged was considered a collision and would only be covered under a Complimentary and Collision Policy. I again explained that I did not hit anything nor did anything hit me and that I had a witness who could testify to that. I also told her that it was ridiculous that it be covered under a collision policy when I did not collide with anything. Her attitude changed and she became what seemed to be very defensive telling me that no insurance company would cover such an incident under a complimentary cover. I then informed her that I knew of two companies, Progressive and Erie, who do cover such things under complimentary, although I did not informed her of the company’s names. I then asked her exactly what my Complimentary actually covered me for. Her response was essentially an ‘Act of God’, ‘Anything that occurred to the vehicle when I was not in the vehicle’, ‘Anything that I did not have control over’ or ‘Anything that did not involved a Collision’. I told her that what happened fell well within that definition of All States Complimentary coverage. Her response was that it was considered a collision because the hood of my truck which was still attached to my truck collided with the roof visor of my truck. What wasn't and isn't being taken into consideration is why it detached from the locking mechanism and flew up at 50 mph.

Further discussion took place resulting in me asking for a number I could contact to lodge a complaint. She was very apprehensive and evasive when it came to providing me with a number telling me that I would have to lodge a claim in order to lodge a complaint. I refused to lodge a claim as that would go against my name when I had been informed that I was not covered so what would the point be in placing a claim I already knew it would be denied. She told me that was all she could do. I then contacted All State directly and asked to speak to someone for the purpose of lodging a complaint about All State in general. The person, a female, I spoke with was very uncooperative, refusing to discuss the issue with me or to put me onto someone who I could discuss the issue with. Her only point was that it was All State’s policy, that no other company would cover such an incident under complimentary and that I could I talk to All State all day but there was no one who could translate or read and would assist me with the problem. She went as far as to say that if any company had covered such damage under complimentary coverage, someone must have lied on their claim form. I know Ken's Collision and I know his reputation. I also know that he would not lie about how any damage was sustained to any vehicle. It would not be worth his business to do so.

My issues then are these: 1. All State’s refusal to cover damage to my vehicle under the appropriate policy coverage; 2. All State’s refusal to discuss the issue, recognize and accept that other companies do cover such damage under a complimentary policy; 3. All State making a decision about the damage without knowing how the damage occurred; 4. All State refusing to take into account how the damage occurred; 5 All State refusing to look at the damage to ascertain that it was not due to a collision of any kind without me making my lodging a claim; 6. All State making assumptions regarding other insurance companies; 7. All States contradictory policies regarding what is covered under what type of policy; and 8. All State seemingly creating ways of denying claims to avoid having to honor their policies. It should also be noted that All State claims which are of cheaper premiums do not mean less coverage as per their latest TV commercials. Evidently, this is not accurate either. Are All State customers in Good Hands? Absolutely not. While they are friendly and helpful when first dealing with them to obtain insurance, all changes dramatically when it comes to making a claim.

In conclusion, I have only resided in the US for the past 2 ½ years and am an expat Australian. I have been driving for the past 35 years and have driven in Australia, France, through out the UK, Canada and the US without incident or ever having been involved in an accident of any type. I have never submitted a claim for anything other than for a windscreen for my Corvette with my last insurance company and that claim was never honored either. My point is this, I am a very safe driver and do not make claims for just any reason. I believed I was covered for the type of incident that occurred with my truck and am angry to discover All State’s refusal to cover the damage under my complimentary policy and their refusal to discuss or listen to my reasons. There is no logic in what they claim and that is supported by other company’s acceptance that such damage is beyond the control of the driver and it does not involve a collision and is covered under a complimentary policy. To show how ridiculous All States claims are, if they refuse to consider the actual reason for the damage, the hood detaching from the locking device, and only consider the result of that action being the hood striking the truck it belongs to as a collision, how on earth can they cover a collision with a deer, bear or animal under a complimentary policy? I had no collision yet it is a collision. Hitting a deer or visa versa is a collision but according to All State is not a collision! Where is the logic in that?

I apologize for the length of this email but I hope that you can help resolve this situation. Being informed to change companies that would cover the damage does not help my current situation either and that was implied by All State to me. This not just about me perhaps has to pay for the repairs to my truck but although I am retired from the Australian Military Special Investigation Branch and I can't afford those repairs. It is more about the insurance company’s ethics and its treatment for their customers after it has them and their money. It is about their deceptive practices in advertisement and what they don’t tell you at the time of becoming one of their customers and it is about their lack of concern or care after the fact. Yes, it is about the money and my ability to be able to pay for the repairs and have a safe and drivable vehicle especially when I absolutely have to have that vehicle for the winter months beginning in the not too distant future.

As mentioned, I hope you can help with this matter and see the irrational reasoning behind All State’s refusal to cover this damage. I have to have this vehicle prior to winter, one way or the other. It is not a luxury to my wife and I but it is a necessity to us. I look forward to your response and hope that it will be a positive one. The economic consequences are that I will have to find if possible about $1700 to have the repairs done so we have a drivable vehicle over the winter period. Without this vehicle, my wife cannot reliably get to work and obviously, that impacts our financial situation and places her employment in jeopardy. We will not be able to offer our son who is in college as much financial assistances as we currently do and that will impact him considering the money we have to give him is for food and very basic living expenses until his student loans come through in a month or so. The physical damage is to the hood, hinges, complete grille and other parts associated with the hood of the vehicle. The hood is unable to be latched, is severely bent at both windscreen corners, can only be forcibly closed to within 6 inches of its proper position, the radiator is totally exposed, windscreen wipers are unable to be used due to the position of the hood and there is a serious risk of the hood again opening while driving thus creating a possibility of further and more serious damage. We were very lucky that the visor that is attached to the vehicle roof prevented the hood from coming through the windshield/ windscreen. I am uncertain as to any other damage, if any. I have been strongly advised not to drive the vehicle in its current condition due to the damage as a result of safety concerns.

Long story short, one year later the discrepancy was still going on and due to our lack of payment for the new premiums, we were terminated. Now, Allstate refuses to reactivate my policy. My license and plates are suspended and now I have to go to a different insurance company. All insurance corporations are looking for $10k or more because of the termination. Allstate does not care and I now have to go for a sub-standard policy just so it is affordable. Liability should not cost as much as a mortgage and insurance companies should follow their commercials and actually care about their customers.

It’s a pity that the agent refused to admit to Allstate that he made and error and all of this would have been closed and finished. I would love to see a policies and procedures audit against all insurance companies as well as the senate to put some caps and guidelines in place to keep the reigns around the insurance companies’ throats instead of the consumer. Thousands of dollars have to be paid above and beyond the normal premium due to the termination.

Also, it didn't look like any of the shingles were blown off or damaged, so the roof must be fine. He told me that they needed some kind of a paper from someone certified that would either say that everything is okay, or redo the patch Allstate did not like. He also told me that my policy would be cancelled on June 1 if I didn't take care of it. It was disappointing that I would have to spend money on something that didn't need repair. So, I called Allstate's customer service. Later, I asked the sales rep that did my policy with the same question, "Could I just send you a letter from the inspector that inspected the house when we bought it?" Obviously, I don't know whether that letter would be enough or not.

To my surprise, I found out that there were no cancellations, notes, or anything else that would say that I need to do anything in order for my policy to not get cancelled (this is where it began). Both my sales rep and customer service agent told me that they didn't know why it was like that (who is supposed to know?). So, both of them said that they thought it would be okay for me to send the letter from the inspector, and to the fax number I received (they told me how they felt instead of what the procedure is!). They also told me that I should hear from the underwriting department some time shortly after they receive the fax. I was told that "they are very quick with these things" (never received a response). I sent over the fax with the paper that said everything is okay with my roof. Assuming that I was "in good hands", I decided that everything would be fine from here. Little did I know how much pain I would have to go through to get nothing useful from Allstate. I called Allstate about 20 times to resolve a number of problems caused by Allstate after this. Here are some of them.

Wrong: I was told that if I signed up for easy pay (pay out of your checking account monthly), I would not receive a discount and that I could not pay it off in full. Right: I would receive a discount and there is an option to pay it off in full. Wrong: I was told that both of my policies were on easy pay (I confirmed it with 2 different customer service agents). Right: Only my auto policy turned out to be on easy pay. So, my homeowners turned out to be past due for over 2 months (they told me to ignore those notices because it takes about 20 days for my checking account information to get processed).

Wrong: homeowner's policy was cancelled because I did not pay for it for over 2 months. Right: it was cancelled because Allstate did not receive pictures of my roof (which was a surprise for me since they never requested them). Wrong: Allstate's customer service department in India can send out proof of your car insurance to your mortgage company. Right: Wouldn't any idiot understand that a mortgage company needs homeowner’s insurance (I asked them to send a copy of my homeowner's insurance, my mortgage company did not receive it twice and kept on sending me notices that said I was violating the conditions of my mortgage)?

Wrong: up until the end of May, customer service kept on telling me I didn't have to do anything in order for my homeowner's insurance to stay active (that's about 20 phone calls between April and end of May). Right: underwriting department did not receive what they wanted. Well, how in the world am I supposed to know that when customer service tells me there is no way for me to talk to them, and that my policy does not have any pending terminations so I shouldn't worry about anything?

Wrong: I faxed a copy of the contract with the roofing company and 2 large pictures of my new roof, it should be enough (that was exactly what Allstate requested). Right: Allstate says I did not provide enough proof. What else in the world do I need to do? There is a new roof on the house. Why can't they come and see it like they did before?! Why don't they notify me that it wasn't enough and tell me what they need!

Wrong: If you are calling after business hours and the customer service rep cannot get a hold of the proper department, he/she would submit an email and get a hold of you the next day to inform you about what happened to that request. Right: I had about 5-10 of those. I have not received a single call back even when those promises were made from the management level. I happen to have 2 of those numbers still written down on my paper. Keep in mind; you will not get these numbers unless you go through trouble and suffering with Allstate. I had more numbers like these. I threw them away.

This list is quite a bit bigger and my time is limited so I will stop here. Bottom line is I received wrong or misleading response from Allstate about 50% of the times I called them. Allstate does not care about their clients. Do not fall for their commercials believing you will be in good hands with them. I could push this further and try to resolve more Allstate's own issues for them. But I don't want to because it scares me to think what would happen if something would actually go wrong with my house or one of my cars.

To my surprise he called me to let me know they will only accept 50% of the damage to the car. There reasoning was that there was no witness and no police report. I refused to accept that because if the cars are moving in a forward direction and get hit from behind, how does it become a 50/50 issue. They did this to me once in 2001 and they are trying to do it again, but I am much wiser. I will not accept their 50% because they are not forthright.

They employ a "boxing gloves" approach to claim handling and also lowball you when they have to process claims (No loopholes in contract to deny claim). My parked car was hit by an Allstate insured vehicle and it took them weeks to assign fault. They attempted to pay me off 40% of the repair price of my vehicle, which I obviously rejected. I finally turned my car and concerns over to my insurance, paid my deductible, and my insurance was reimbursed from Allstate along with my deductible. Long process.

Their policies are very reasonable because they deny claims. If you want real coverage, I suggest you go to a competitor and maybe even pay a bit more. They denied all 3 minor leak claims that I have in the past 7 years. They were also very rude and thoughtless throughout the process. Feel free to email me with questions on experiences. I have had Allstate homeowners for 7 years because of the price, but again they will not cover any of your issues if you need them.

They finally debited back my account the $410.00, but I have a 4-year-old with autism and we went almost 2 weeks with no money! I cancelled my policy and they keep sending me a bill that is at about $780.00. I carry insurance under another company and have since that incident, and I verbally cancelled my policy with Allstate and have contacted corporate in regard to this with no response yet.

5. Yesterday, Allstate told me they were still waiting on the eye witness account/statement from the officer. He didn't see the accident or he would have seen the dwi/switch!

I authorized them to go ahead with the transaction but the representative had processed the first amount of $388.17. She then indicated she was processing the second payment of $468.00. I then told her wait, why is it $468.00 and not $234.00. She indicated that I had to pay 2 months advance payment. I told her no, I was not going to do that when my policy was just cancelled 2 days ago and you have required me to pay a back balance! I advised the agent to reverse the charges to my bank account. She indicated that she would. I in turn hung up the phone and called back in 10 minutes to make sure this had been handled.

Unfortunately, the payment had not been reversed. I asked for a supervisor. (I was transferred 4 times before reaching the correct department.) The supervisor in turn looked up my account and advised me they never should have charged me the past due amount. He indicated that he would have a check issued to me. I was very upset because the money should just have simply been put back into my account. I told him to go ahead and send the check, but I was going to be calling the corporate headquarters and possibly canceling my account. He asked if I wanted to cancel it now. I indicated to him I would decide once I talked to someone in the corporate office.

I finally was able to reach Teresa ** in corporate to file a complaint. At that time she indicated the amount of $468.17 had been debited back to my account and a check for $700+ was being sent to me! I asked her why was so much being refunded? Teresa stated that the agent had canceled my new policy on July 30 after my initial call. I couldn't believe it. So I wanted my account reinstated. She indicated I would have to call the 800 number and go through the process of starting a new policy and paying two months in advance. I asked her why would I give their company payment when I haven't even received the money owed to me yet.

They should just simply reinstate the policy since it was canceled by their agent without my consent! I asked for a number to the corporate office. I spoke with Corinne **. She indicated nothing could be done and she would file a complaint. I told her I now am not covered on either of my cars due to their agent and there is nothing she can do unless I make a 2-month payment and open a new policy! Unbelievable, truly unbelievable.

I have to be extra cautious the next couple of days so as not to get in an accident or pulled over by the police because I do not have coverage! I have a young driver on my policy so this is a very nerve-racking experience until I can obtain coverage again. And I can't do that until I receive the money back from Allstate.

I was told by my insurance company that even though the accident was caused by the Police Ambulance that they didn't think it was worth going after Nassau County for the small sum of $500.00 deductible because his lights and siren were and there is a law so I have to eat the loss of the deductible. I told him that's not fair to me because you didn't want to pursue the county for my loss. He told me to send in the estimate of my damages and they would pay my loss less the deductible. I did everything right and they still win. So now I'm faxing the estimate of my damage which was fixed on Oct 10, 2009.

I pulled two of 4 cars off the auto policy. Still they couldn't care less. I have auto, homeowners and umbrella with them for the past 35 years. This is a remarkably disgusting attitude on the part of the agent and Allstate itself. My reason for complaining is that after 35 years with one company, the customer is granted "relationship" privileges, but not in my case. I think that they need to be made an example of regarding the treatment of customers.

During the past 17 days, I've called every day. They tell me that my case is in their system, they will refund the payment within 48 hours. I ended up having to change my banking information, put a stop on Allstate, and had my bank's fraud department open up an investigation. I spoke to Allstate yesterday, who promised that the money would be reimbursed to my account today, but that didn't happen. Then I spent nearly an hour talking to a supervisor who first tried to tell me that they owe me nothing because they'd only taken a June payment. But after a complete meltdown on my part, they discovered that they had merely taken the July payment a little early.

Then they asked why I wanted the money back, since it was almost time to make another payment anyway. Conveniently, Allstate doesn't have a complaint dept. so I spoke with another supervisor, threatening to bring Allstate's tactics to the attention of the Better Business Bureau, my local television news station, and any other entity I could think of. As it stands now, yet another supervisor will call me back on Monday, Tuesday or most likely, as before, never. I'm so fed up with Allstate. Thank goodness, I've never had an accident while I've held a policy with them. I've seen the misery Allstate has caused others and I can't believe a company can operate like this.

I immediately called Katy to see what happened and told her to cancel my policy. She then informed me that Allstate could not refund my money until they had a policy number, which could take 24-48 hours. I thought this was ridiculous. When I got my insurance with Geico online, within five minutes, I had my policy number and cards, so I thought Katy must think I'm a moron. She also put my life in jeopardy. I have been a diabetic for 52 years and require insulin and syringes, which now I could not afford. Thanks to Allstate.

When I told Katy this, all she said, was "I'm so sorry." I had to borrow money from one of my neighbors for my medication. This was extremely embarrassing for me. I then ran out of gas going to work Monday and had to call AAA for assistance. Again, thanks to Allstate I didn't have any money for gas. My two cats have no food so I've had to cook them chicken to eat so they don't starve. Katy told me I would have my money back by Monday, which I didn't. I'm not going to call her back to see what lame excuse I get this time, so I've already filed a complaint with the Attorney General's Office and the BBB. I am now contacting you. Allstate must be stopped from ripping people off like this. I want my money back along with the $29 NSF fee. Thank you for your time.

I also reported on 3/10/08 to remove my husband from my policy due to his death 8/1/07. This was just done when I had to resubmit another request on 3/18/10. I am extremely disgusted w/ this whole situation and getting absolutely no help or any kind of satisfaction from the local agency. They don't seem to have a record of anything. I would like to know where I would have come up w/ the amount to write a check in Sept/09 if that was not given to me by the Allstate rep. I still have the copy of the letter.

Kevin said he would talk to Allstate and let them know that my son would not be listed as a driver, which he did and I was told to get my insurance back. I needed to get reinstated, of which I was, and when I got my bill, they (Allstate) had tripled it, and they even sent me a letter saying that my rate would not change. Kevin tried talking to them for awhile and they will not go back to what it was before. Now they want me to pay $178 a month, and everywhere I call, I get a high price even when they said it would go down in July (three years since the wreck). It still is too high. Other companies say they are going by consumer report and the state I live in, etc. Back in the winter it was fine, I did hit a deer in March, but they said that wouldn't be held against me. And my son went to farm burial and got coverage for nothing, and he was the one with the past bad driving history. I haven’t had any speeding tickets, only that one wreck that was on there before I got the insurance, and when I did, they didn't raise it then.

I don't know if they got me mistaken for my son or what, but I can't afford that amount every month. The only solution I have is selling my car to my son and buying a $2000 car and get just liability on it and when it tears up, get another $2000 car. There is no way I will ever be able to own a decent auto due to this insurance mix-up. In fact, Allstate tripled it, then three weeks ago, they raised it again. I don't now how come they said everything was okay, and the minute they thought my son was going to be listed as a driver, all hell broke lose and haven’t stopped yet. I don't know who to contact to fix it. My agent said he tried and they now are going with the last quote. Of course that’s where the money is. Well, I refuse to do so and I do think when I try to get check on insurance at other places that my information is going back to these companies because of what Allstate put down. Help, any suggestions? Or can they just keep raising it and there is nothing you can do? And they wonder why people drive without insurance, insurance cost more than the auto.

Evidently, they dropped the ball and assigned an attorney, Robert * of Tampa, FL to sue me. I sent him copies of the documents but he too dropped the ball and obtained a judgement against me. The DMV suspended my driver's license but lifted the suspension once they reviewed my copies of the documents. The attorney then filed for a judgement suspension against my driver's license and now the DMV no longer retained copies of my documents so they granted the suspension.

Due to a hurricane, I lost my home and all important documents. Now, here I am seven years later still not permitted to drive. I am 60 years old and on Social Security Disability and losing my driving privileges causes me great distress. Why couldn't the DMV and Allstate check my full driving record to see a perfect driving record and see where the DMV suspended but then re-issued my driver license? It's obvious that they would never have re-issued the license if they did not have the documents that proved the valid and legal sale of my vehicle.

We have been without a vehicle for a whole week; so my husband has had to drive me to work everyday and pick me up. Allstate told us we would have to go to our insurance company to get a rental or pay for it ourselves, and then they would reimburse us. I cannot afford to rent a vehicle; nor do I want to put in a claim against my insurance company and have my payments go up when this was not our fault.

Now that my renewal is due, the rate jumped up to almost exactly what I was paying Progressive! I called a girl, named Deanna, who is not too friendly, and who said that there was some problem with them not receiving a form. I was supposed to fill out the form to authorize the automatic withdrawal. I'd never received such a form, though they said they sent it was out in November 2009. I did, however, in April 2010, received a call from a Jessica at Allstate, stating that she needed my routing/account number to set up the automatic withdrawal of payment. I gave it to her and she said that was all she needed.

I assumed they would withdraw the same amount I had paid in November this June and that it would be easy. When I got that new price, I was mad. The girl I spoke to said that I lose the $11 discount for not having the money automatically withdrawn. Then she stated that there had been rate hikes in Florida effective in January 2010 that affected my renewal premium. She said that she saw where Jessica submitted my bank information for payment and my bank declined it. Again, I wasn't notified of this! I asked her why my bank would decline it. She gave me the last 4 digits of both the routing number and the account number. They were both the same number, and not even close to what my numbers are! Are these people just idiots?

I informed her that my name is still incorrectly spelled on my insurance cards in spite of 3 requests to change it. Also, I received no forms to fill out regarding auto-withdrawal. I did not receive any notice of a rate hike, which would have given me time to choose a different insurance company. That I didn't care about an $11 discount, keep it, because as incompetent as Allstate has been concerning my account, I wouldn't dare let them touch a penny in my bank account. The girl didn't apologize for the errors, and her attitude suggested it was my fault for not returning that form that I have never received.

Due to medical issues that are incurable, I have to live on very little money. I'm not letting them steal it out of my bank account. Taking care of things online is easiest for me. I'd gladly lose the discount to keep these people away from my bank account. The only things I have received from Allstate since I signed on with them have been letters asking me to purchase a homeowners policy. I don't own a home, and its right there in the records. I mentioned this to the girl on the phone, and she tried to talk me into buying renters' insurance. I laughed and said I don't think so, and I doubt if I stay with your company. If I don't find better insurance before mine expires, I'll send a check.

I am contacting the insurance commissioner and letting him know about this and I am going to let Allstate know that they owe for my truck plus 2 payments now and if I don’t get satisfaction, I will take other measures. And by the way, if Allstate looks at this, my claim number is ** and these are the extensions of all the people that I have talked to with no satisfaction. Don’t remember the name. Allstate should quit selling false insurance coverage because getting them to pay for something is worse than anything I have ever done. All their customers should go to 21st century or the general. I cannot get another vehicle financed as I was working when I bought my truck and I am now totally disabled so no one will loan me money for another vehicle so this accident that Allstate’s customer caused has caused me a major inconvenience for years.

Now my vehicle is damaged and no one wants to be responsible for this mistake that occurred. I was made to believe that the bank is required to have a financed car fully covered so that the customer can drive the car out of the lot. Once I was told I was fully covered, I did not think much of it as I continued to pay my insurance, and now that I need All State services there denying my demands. I'm not quit sure who's at fault, the dealer, the bank, or All State to be exact. But somewhere along the line of getting my car insured someone made the mistake of making sure collision is in my policy which living in New York is a most probable chance of happening compared to a natural disaster or robbery occurring which is covered by comprehension.

I'm in definite need of a lawyer regarding this case, especially since someone was injured and my vehicle being damaged. I need to know if there's anything I can do to straighten this situation out because it's not right for me to think I'm fully covered and at time of need to find out the big surprise that I am not. I thought I was in good hands All State. Where's my support now!

As for the actual accident. There was a broken light post on Jerome Avenue and 165 St. Driver in my Lexus vehicle treated the light as a stop sign and stopped looked around then pursued and made a left turn onto Jerome avenue when the other vehicle was speeding and did not slow down for the flashing red and yellow light; she hit my vehicle on the driver side light corner bumper. Police was called, police report documented, and ambulance arrived on scene, my Lexus vehicle was towed away to a body shop which is being held now momentarily. Lexus is 250 has received damages on the driver side front end. Light broken and hood smashed in. Driver was taken to the hospital by ambulance and resulted in neck and upper back pain and bruising on her head from hitting the driver side glass window.

I rolled down my window and shouted at the driver of the SUV, who I thought, was having a heart attack. Why did you do that? What happened? He shouted back, “You’re on my lane.” Then a stocky elderly driver stepped out of his SUV, walked around to the right side of his vehicle to check for any damage. At this point, I also got out of the car and saw my Infiniti with the long black streak of tire mark along the left side with dents from the rear bumper to the front door. The SUV driver had the audacity to walked back toward me and said, “Go back to where you came from!” To which I replied, “You are a racist.” He refused to exchange paper, so I called 911 and reported the whole incident including a full description of the SUV.

Deputy Fisher from Precinct 7 arrived about an hour later.

He handed me a form to fill up for the Police Report and write down a narrative of the incident. A few minutes later, another dispatcher Deputy C, also from Precinct 7, arrived at the scene. I asked both officers to check the damage on my car for the report. Since the day had turned into night, Deputy Fisher pulled out his flashlight to reveal the damage along the left side of my car, before leaving Deputy C to take care of the investigation for the Police Report.

On November 04, 2009 - After finding Allstate as the Auto Insurance Company of the SUV driver, Stanley J. M, on the Police Report, I immediately filed a claim for the damage inflicted on my car. The representative at Allstate assigned my claim to adjuster Joseph D and scheduled me right away for inspection and appraisal the following day at their office in Sterling Auto Body Center. On November 05, 2009, Allstate appraiser Bob S meticulously and thoroughly examined the damage to my car and faxed his report, with an estimated cost to repair of $1,301.78, to Mr. D.

Mr. D was never around in his office to pick up the phone whenever I called, so that I always had to speak to some other adjusters --- Evan, R, Eleanor, James, to follow up on his investigation of the incident. On November 24, 2009, after receiving a final copy of the police report from Precinct 7, I immediately faxed it to Mr. D at Allstate to expedite his investigation.

On November 30, 2009, Mr. D. called and informed me that after reading the conflicting narratives from both parties, he made a decision to deny my claim because, quote, “there’s no reason why I should not believe my client,” and cannot rely on the truthfulness of my claim. Surprised, I asked if he had seen the damage to the SUV. He got hold of the appraisers report from the other party, and described to me where the damage as, abrasion on the right front tire and a slight scratch on the fender, which would cost $160 to fix.

When I questioned Mr. D as to how the black marks and dents on the rear bumper and side of my car came about if they weren’t from the front tires of the SUV, which was slanted towards the left side of my car as it crossed over to my lane when it struck me, he reasoned that the damage on my car was pre-existing, despite the appraisers report and photo indicating the damage was inflicted at the time of the incident. When I asked Mr. D to explain how the right front tire of the SUV could have shown abrasion, if the tire was not slanted to the right towards the left side of my car which left a long streak of black tire marks and dents as he bumped into it, he unhesitatingly replied, “We always take the side of our clients and protect them.” I was really appalled upon hearing this.

That night I called Allstate Customer Service and voiced my dissatisfaction with the decision of Mr. D. A representative was kind enough to suggest that I fax any documents to support my claim to the manager of Mr. D to reopen the case, if I had them. Having in possession a copy of an older Police Report giving a description of the incident on the SUV as told by the driver himself to Deputy C, stating that my car struck the back right of his vehicle, I decided to fax a copy to Mr. and his the manager the next morning.

On December 01, 2009, I called Allstate at around 9:00 AM and asked an adjuster James S the name of Mr. D's manager to whom I could address the fax. I described the nature of my document upon inquiry by Mr. S, before he gave me the name of Courtney J as Mr. D's manager. I then asked Mr. S to verify the statement of Mr. D that it’s Allstate’s policy to always take the side of their clients and protect them. He affirmed it saying that in a sense it’s true if one considered that the company had always believed and defended the claims of their clients.

On December 02, 2009, I called Allstate’s Customer Service to confirm Ms. Courtney J's receipt of my faxed document, which would contradict the nature of the damage on the SUV as described by Mr. D. The representative passed my call to Ms. J's voicemail after discovering that she had left early for the day. Thereby I left a request on Ms. J's voicemail for a call back.

Later, at 4PM, Mr. D called to tell me that he got a copy of my fax and wanted to change the description he gave me about the damage to the SUV because he misread the photo when he was looking at it, saying the scratch on the SUV is not at the right front side as he told me previously, but rather on the center part of the vehicle. He added that he made a mistake in giving me the appraiser’s estimate of the cost to repair.

Despite all this, he would still stand by his final decision, as it did not matter where the damage is, because he still believed his client that I changed lane and struck his SUV, regardless of my evidence. I couldn’t help telling him bluntly that the whole procedure of his purported investigation of my claim was a sham because in reality, he had already made up his mind all along without further consideration of the evidence, as presented, pointing to the truth of the matter. Ms. Courtney J never returned my call.

On December 7, 2009, I appealed my case for redress to Mr. Tom W, CEO and Chairman of Allstate in Illinois. On December 17, 2009, Mrs. A from the Executive Office of Allstate in Illinois called me up to deny my claim.On December 21, 2009, I faxed my complaint letter to the Consumer Protection Unit of Texas Department of Insurance, which forwarded my letter of complaint to Allstate in Texas.On December 31, 2009, I filed my case against the reckless driver Stanley J. M in a Small Claim Court in Houston.

On February 19, 2010, Texas Department of Insurance informed me that my case with Allstate is beyond its jurisdiction after receiving a reply from Ms. B of Allstate, who refuted everything I wrote in my letter. The Department advised me to file my case with a Small Claim Court if I want it resolved. On February 16, 2010, Small Claim Court notified me of a Jury Trial, as requested by Allstate, scheduled on Tuesday 8 June 2010 at 01:00 PM at Precinct 7, Place 2 in Houston.\

That evening, I called Allstate at 9:49 p.m. EST. I spoke with a representative who identified himself as Troy. He took the details of my request to stop the Easy Pay debit to my bank account.

This morning, when I went to make my car loan payment, I discovered that the Easy Pay debit had been posted to my bank account on March 1. I immediately called the 800 number (8:31 a.m. EST) and spoke with a representative who identified himself as Joe. He confirmed that my request to cancel participation in Easy Pay had been recorded on February 25, but stated that the renewal of my policy had not been cancelled and that he would process that and the company would send me a refund of premium check in the mail in 2 weeks!

I objected strenuously to that and demanded to speak to his Supervisor. Initially, he said that there was no one to whom I could speak, then (after a long delay) he transferred me to a person named Gwen, in Resolution Support. This lady kept insisting that there was nothing she could do until the cancellation of my policy posted in the system, which would take 48 hours at which point a check refund would be requested that would take 2 weeks! When I threatened to file a police report, charging the company, her, Troy and M with theft, then she said that she would expedite the refund by March 5.

The company's performance, in this instance, has been preposterous. My requests were not met. Modern electronic systems do not require 48 hours to process a transaction. The company took $550.19 out of my bank account without authority that is theft. I wish to file a formal complaint against each of the Allstate employees named above.

Allstate will settle directly with an injured party without the need of an attorney. The same amount that is offered to an attorney represented person is the same amount offered to an unrepresented person. Only the unrepresented person gets to keep a third more of their settlement. Guess what? Many of the plaintiff attorneys in my area are insured by Allstate! Live like the rest of us in these hard economic times and stop being a cry baby because you can't squeeze more money out of claim for yourself. Have a nice day.

I then took the truck for the damage to be estimated and the business estimated the damage and repairs at $7600. My agent then told me this was not reasonable and I would have to take it to the original person that painted it. According to TX state law, an insurance company cannot tell a customer where to take their vehicle to get it fixed. She then called my body shop and told them their services were not needed and that I was going to take it back to the guy that painted it the first time, without even talking to me. After fighting them on this and telling them I would take my truck to this body shop and not the one they were trying to force me into, they set me up with another agent to do another appraisal.

Allstate's appraiser did not look at the truck for more than a couple of minutes and did not take into account anything that had been done to the truck. I had a new paint job new upholstery, new stereo system, and many other new parts. I have since had two other appraisers look at the truck and they estimated it at around $15000. Her estimate had my truck at around $5000, there is no reason for there to be this much difference. She then went on to tell me my truck was going to be totaled out and that I was to drop it off at an auction warehouse. This truck means a lot to me and I want it fixed. I have comprehensive full coverage just in case something like this happens. I chose to fight them on this and take it to a third party according to Allstate's terms and conditions.

I have my appraisers and Allstate hired their own and both sides have to choose a third party mediator. My side requested a county judge and Allstate refused they would not allow a judge as the third party. They gave my side a list of 3rd party people to choose from. I don't understand why both sides could not agree on a county judge except for the fact that they want to use someone that they know will side with them. Judges have to and are sworn to uphold the law. I have called Allstate again issuing complaints because of this and the have told me they cannot contact their appraiser and I cannot do anything about it because when they start a third party, both sides are left out.

They are not doing anything to resolve this and have now told me I cannot either. I just want my truck fixed and repaired properly. I contacted the Better Business Bureau and Allstate then agreed to have a 3rd party appraisal done. They didn't follow through with this though. I had to contact the BBB in two weeks to let them know if Allstate resolved this. They set up the appraisal to document that they were making efforts to resolve this and they never even contacted the appraiser with the local PDA to find out what his appraisal was.

I was upfront with Allstate telling them I was receiving chiropractic care for my injuries. I was informed by the adjustor that they would not pay anything until the claim was settled and that they would probably not pay all my medical bills because chiropractors always over-charge. At that point I was in enough pain I just wanted to lay on the couch and recover, so I did not press the matter. I heard from the adjustor about every 2 weeks. During these calls he was rude and constantly putting chiropractors down. It got to the point that he was just annoying and I dreaded his calls. I was unaware at the time that I could tell him to not call me; it was, after all, my first accident and time dealing with insurance companies in this way. I used my Med-pay on my insurance to cover the doctor appointments because they wanted to be paid. After I was released from treatment, the beginning of November, I called my adjustor to begin the process of settling the claim.

Two days later he called me back and told me what my total medical bills came to and how Allstate felt it was an over charge and would not pay for all of them, leaving me about $800 short. The adjustor told me to talk the doctor into charging less and if he wouldn't, then I had to fill out all sorts of paperwork. In reality my medical bills were not that much and I see no reason why Allstate would be giving me so much trouble. After all I have every right to seek the medical treatment I want. The only reason I was there that many times for 6 consecutive weeks was because the person Allstate insures was not paying attention and failed to stop. But Allstate twisted it around and has made me feel like it was my fault. After doing some research I found out that I do not have to file all that paperwork and that I just had to give the doctor’s office the name and number of the adjustor and they could legally talk to him.

I took this to a lawyer who told me it was not worth his time and that typically lawyers getting involved in cases like this does nothing.

I have seen a chiropractor all my life and he said most people see this as having a pre-existing condition. Even though I have only seen them for check ups and that I have had no injuries to my back and neck in the past. He suggested I take the money and run. I called the Allstate adjustor back one week ago and left a message saying when he could offer me a fair settlement I would love to talk to him. I have not heard anything from him. I guess I can do nothing for two years, but I would really love to put this whole situation behind me and get back to life.

Oh, one last thing. My car, before the accident, was worth about $13,000-15,000. It cost Allstate over $10,000 to fix it. By all the calculations I can find, my car should have been totaled. This whole situation has left a very bad taste in my mouth. I, in no way, feel like I have been in good hands will Allstate. And this one experience with them has caused me to never even look into buying Allstate insurance. I will pay a lot extra to never have to deal with them again. If they treat me, an innocent victim, like this, I wonder how they treat the people they insure.

Insurance companies are not required to disclose whether their personal umbrella excess liability policies apply to the uninsured motorist's portion of a policy. If the umbrella policy is not linked to the uninsured motorist the insurance company should advise the customer that they may go outside the insurance company to purchase such a policy that is linked to the in insure motorist portion. Such umbrella policies can be issued on a standalone basis under current California law. An insurance company does not have a legal or moral obligation to advise customers of such a large gap in their families coverage leaving customers exposed to tremendous loss to their loved ones.

We thought we were covered. We were told so; we paid our claims. We called several times throughout the years. We were reassured that in fact we were covered. Then the accident... and suddenly, we are not fully covered! The cover up started. This is where most people give up and give in. They have no choice and they know if they fight, they can never win. That's the game. Wear them down; wear them down. Include many loopholes to protect "the money" and paint a story that will not only be legal and believable but it will create doubt to the person who originally got the insurance in the first place! Wear them down; wear them down... that's the game.

After a brain injury and 7 years of working hard to get her brain to function normally, such as depression, chronic neck pain, back pain, our beautiful girl healed as much as she will ever heal. She still needs medication, still has chronic back pain and still has intense neck pain. And yet the insurance company decided (instead of paying us what they thought our policy amount was) to make us an offer. Okay, your policy is $250,000. We will pay you $6,000. Do I hear $7,000? How about $7,500? The full amount was not given without a fight - a twelve-year fight that included lawyers, judges, law firms and multiple hours of work on everyone's part. Wear them down; wear them down - that's the game.

In America, insurance companies are legal criminals. They are allowed to lie, cheat and steal. The lawyers for the insurance company stated in a court of law that my husband and I actually convinced our daughter that she had a brain injury and that we took her to the doctor to convince her that she had an injury! Can you imagine?! Lie! They paid a doctor on the stand in a court of law to change his medical diagnosis submitted at the time of the accident. The doctor (bribed with money by the insurance company) changed his medical opinion and in fact said that being struck by a car to a little girl's 85-pound body would produce no greater injury than when one falls off a bike. Lie! Lie!

After all the lies, we proved in court that she had injuries. That took twelve years! Wear them down; wear them down. We are awarded 1.4 million dollars in damages. The insurance company appealed- back to nothing. Now it becomes a contest as to who is lying. Did my husband get this insurance with his agent many years ago prior to the accident or did the agent give the policy to me, his wife who was not even in the room? Was my husband sane or was he as they said, incapacitated? Lie! Lie! The game now has changed and the evil company will twist and turn to get what they want - the money!

Next was the jury. We will be tried by our peers in a court of law. Ha! The system is a joke in every sense of the word. Thirty people are called to duty. Half of them raise their hands when asked by the judge if they have had trouble with their insurance company. They were all eliminated. Then, you are left with the ones who are sick, can't stay still for an hour, can't miss work, do not have a babysitter, are mental incapacitated and generally do not want to be there for 4 days. We were left with 6 jurors that were frankly not bright enough to understand insurance laws, the full story of our 14 years fight, and loved the soap opera drama that the insurance company presented to them, the kind that is seen all too often on reality TV today, even though it was as far from the truth as possibly imaginable. It was riddled with misconceptions, make believe stories, tricks to make you say things that are not what you wanted to say. All this was to substantiate their lies and out and out outrageous claims that were simply so far from the truth that I had to wonder how we got to these facts.

How did the game get so twisted? In a court of law, where was the truth, honesty, integrity that are to be the foundation of our system? I found just the opposite was true. It was horrific to watch. It left me feeling sick to my stomach. You see, all of us think we are insured. We think we are safe and protected. The insurance companies will take our money but if something happens to us, not only will they never give you the money promised they will offer you a small amount to make you go away. They will lie, cheat and steal. They will wear you down. They will find every loophole possible and use it. They will twist the real truth. They will spend more money to break you down than it would have taken to pay the claim. They will find the most despicable people to represent them, as ugly on the outside as they are on the inside and they will stop at nothing to make sure you get nothing.

What kind of a country do we live in where insurance companies can get away with their lies and criminal activities? Where is the justice for the victims and their families? If we, as a family, did not have money to help our daughter and to pay out of pocket millions of dollars for her care, she would be dead. What kind of country do we live in where justice will be determined by criminal companies, by a jury that doesn't want to be there and can't understand difficult issues and laws, with a judge that sleeps while the trial is going on, a jury that sleeps when important information is being presented and an insurance company that plays their evil games to win? For them, it is a game. How long can we keep the money? How hard will they fight for the policy they bought? How much can they endure? When will they break? Wear them down; wear them down. This is the game in the Unites States of America.

Insurance companies are not required to disclose whether their personal umbrella excess liability policies apply to the uninsured motorists' portion of a policy. If the umbrella policy is not linked to the uninsured motorist, the insurance company should advise the customer that they may go outside the insurance company to purchase such a policy that is linked to the insured motorist portion. Such umbrella policies can be issued on a stand-alone basis under current California law. Ann insurance company does not have a legal nor moral obligation to advise customers of such a large gap in their family's coverage leaving customers exposed to tremendous loss to their loved ones.

We thought we were covered; we were told so. We paid our claims; we called several times throughout the years. We were reassured, in fact, that we were covered. Then the accident ... and suddenly, we were not fully covered! The cover up started. This was where most people give up and give in. They had no choice and they know if they fight, they can never win. That's the game. Wear them down; wear them down. Include many loopholes to protect "the money" and paint a story that will not only be legal and believable but it will create doubt to the person who originally got the insurance in the first place! Wear them down. Wear them down. That's the game.

After a brain injury and 7 years of working hard to get her brain to function normally, there was such depression, chronic neck pain, back pain. Our beautiful girl healed as much as she will ever heal. She still needs medication, still has chronic back pain, still intense neck pain. And yet the insurance company decided (instead of paying us what they thought our policy amount was) to make us an offer. Okay, your policy is $250,000. We will pay you $6,000. Do I hear $7,000? How about $7,500? The full amount was not given without a fight, a twelve year fight that included lawyers, judges, law firms and multiple hours of work on everyone's part. Wear them down; wear them down. That's the game.

In America, insurance companies are legal criminals. They are allowed to lie, cheat and steal. The lawyers for the insurance company stated in a court of law that my husband and I actually convinced our daughter that she had a brain injury and that we took her to the doctor to convince her that she had an injury! Can you imagine!?! It's a lie. They paid a doctor on the stand in a court of law to change his medical diagnosis submitted at the time of the accident. The doctor (bribed with money by the insurance company) changed his medical opinion and in fact said that being struck by a car to a little girl's 85-pound body would produce no greater injury than when one falls off a bike, a lie!

After all the lies, we proved in court that she had injuries. That took twelve years! Wear them down; wear them down. We were awarded 1.4 million dollars in damages. The insurance company appealed and it was back to nothing. Now it became a contest as to who is lying. Did my husband get this insurance with his agent many years ago prior to the accident or did the agent give the policy to me, his wife, who was not even in the room? Was my husband sane or was he as they said, incapacitated? It's a lie, a lie! The game now has changed and the evil company will twist and turn to get what they want - the money!

Next came the jury. We will be tried by our peers in a court of law. Ha! The system is a joke in every sense of the word. Thirty people are called to duty. Half of them raise their hands when asked by the judge if they have had trouble with their insurance company. They were all eliminated. Then, you are left with the ones who are sick, can't stay still for an hour, can't miss work, do not have a babysitter, are mentally incapacitated and generally do not want to be there for 4 days.

We were left with 6 jurors that were frankly not bright enough to understand insurance laws, the full story of our 14 years fight, and loved the soap opera drama that the insurance company presented to them, the kind that is seen all too often on reality TV today even though it was as far from the truth as possibly imaginable. It was riddled with misconceptions, make believe stories, tricks to make you say things that are not what you wanted to say. All this was to substantiate their lies and out and out outrageous claims that were simply so far from the truth that I had to wonder how we got to these facts. How did the game get so twisted?

In a court of law, where was the truth, honesty and integrity that are to be the foundation of our system? I found just the opposite was true. It was horrific to watch. It left me feeling sick to my stomach. You see all of us think we are insured. We think we are safe and protected. The insurance companies will take our money but if something happens to us, not only will they never give you the money promised, they will offer you a small amount to make you go away; they will lie, cheat and steal. They will wear you down; they will find every loophole possible and use it. They will twist the real truth. They will spend more money to break you down that it would have taken to pay the claim. They will find the most despicable people to represent them, as ugly on the outside as they are on the inside and they will stop at nothing to make sure you get nothing.

What kind of a country do we live in where insurance companies can get away with their lies and criminal activities? Where is the justice for the victims and their families? If we, as a family, did not have money to help our daughter and to pay out of pocket millions of dollars for her care, she would be dead. What kind of country do we live in where justice will be determined by criminal companies, by a jury that doesn't want to be there and can't understand difficult issues and laws, with a judge that sleeps while the trial is going on, a jury that sleeps when important information is being presented and an insurance company that plays their evil games to win?

For them, it is a game. How long can we keep the money? How hard will they fight for the policy they bought? How much can they endure? When will they break? Wear them down; wear them down. This is the game in the Unites States of America.

I was told by Melissa the transfer was done but because they were having trouble with the computer, it was not letting her see it and she could not print me a statement but I could come back in a few days and pick up my paper work. If not, then it would be mailed to me anyway. About 3 weeks went by and I did not receive any paperwork. Instead, I received a bill for the Windstar for $120 so I went to the Allstate office and was told the transfer was still not showing up but not to worry because I was covered for the Nissan. I then asked if I had the same full coverage like I had on the Windstar and again was told, it wasn't showing up but I didn't have to worry because even though it was not showing up on the computer, I was still covered on the Nissan.

On Dec. 1st, I received an automated call stating if I did not pay my bill for the Windstar, my policy would be terminated so I went back to Allstate and asked Melissa what was going on. Then Melissa looked on the computer and said she could not find any record of the transfer. I was very upset and told them to fix it because this meant I was driving without knowledge for a whole month without any coverage on my car. Melissa, without an apology, printed a replace and remove receipt for me and told me to just pay the $120 and the adjustment would be made at a later date. I refused to pay for a month that I was not covered for and was still very upset that I was driving around all that time uninsured. I was told if I did not pay, my policy would be terminated with Allstate. So reluctantly, I paid $120 and now I am being told if I don't pay $168.97, I will be terminated.

I am at a loss and I know I am being taken advantage of. Please help me. I need my insurance and because I am a fairly new driver, I cannot afford the prices of other insurance companies.

When it was my turn to speak in court, the attorney, Richard **, allowed me to present nearly the entire case in front of the judge, and then suddenly interrupted, pulling a copy of a case out of his backpack (he did not have a briefcase). He had pulled this case up off Reuters from the internet. It was Court of Appeals of Utah (Davis County, Plaintiff and Appellant v. Progressive Northwestern Insurance Co, as the insurer of James **, defendant). The case was dated Nov. 14, 2008 and Mr. ** handed both the judge and I a copy of this case pulled up from Westlaw.com. He had highlighted page 4, paragraph 2 which in a less complicated version stated that I needed to sue the person that hit her first, and that if that wasn't successful, then I could sue Allstate insurance.

I cannot find any laws or codes that say this in Utah, but I have yet to go to the law library. But I cannot get the Utah Bar to email me back regarding this (I emailed Richard **, the associate director). I feel as though something is not correct in the way that Mr. ** behaved, and I would like some correct answers, as well as to know how I can get my $4018 from Allstate so that I can fix my car.

I would like for these two inept insurance underwriters be responsible for the fees they cost me, as it was their responsibility to cancel the auto draft feature, which Fran told me she would take care of. I even told her I would get with her to make the June payment and she was in total agreement with me that she would take care of it.

On the afternoon of July 17, 2009, I was solicited for auto insurance from an Allstate Insurance Company Representative named Nunzio **. I had specifically described my current financial situation and concerns, before he explained how he could reduce my coverages. He explained that I could abandon my current insurance provider, (Erie) with a balance still owed of $1,050.00. I unambiguously explained that my insurance would expire on midnight of July 19th, 2009.

Mr. ** then instructed me to sign paperwork to get the process of transitioning to Allstate started, which included some personal information including that of my bank account. He sustained his position repeatedly that nothing would be charged until the policy had binded, and nothing would bind until my new policy was in effect. I explained that I could not sign the paperwork because I am currently disabled and unable to drive due to an injury at work. He then asked if I had a fax machine. I responded “No, but my wife does at work.”

He then contacted and instructed my wife to sign my name to the documents he had faxed to her work. Shortly after, I called my current provider and asked for the few days grace as Mr. ** had previously instructed me to do. They denied me this action stating that I would need to pay for the whole month in which, once again, Mr. ** instructed me to do and then cancel once his policy took effect, which defeated the purpose of trying to save money.

At this point, I was quite drained and frankly suspicious of Mr. **’s intentions, so I immediately called and told him I was not interested in the policy. I had also realized at this time that he had debited my bank account for $314.98. He deceived my wife into singing a document with my name, in which I have enclosed a copy that is clearly not my signature! I repeatedly called and demanded that the monies taken be placed back into my account. Mr. ** agreed and asked me to come by his office on Saturday. However, I had already explained that I was disabled and could not drive.

Monday, July 20th, I called his office again and was instructed by his secretary, Lauren, to sign another paper stating that I didn’t want the insurance (even though I had already explained this several times). I complied with their wish so I could replenish the funds in my account. I was told the monies would be refunded, but by this time my account was already debited by Allstate. Many of my checks that I had pending over drafted my account and I incurred many fees of $27 each.

As I had previously stated and explained to Mr. **, I am on a very strict budget due to my recent injury and I feel that while Mr. ** was aware of my situation. He took advantage of me by way of bad business ethics and representing Allstate Insurance Company in an unscrupulous manner, in which I don’t think they would want to be portrayed. All I ever asked is for Mr. ** to refund my money, which to date (July 31, 2009) has not yet been received, with the overdraft fees incurred. I have enclosed copies of the correspondences between Mr. **’s organization and myself, as well as some bank statements. I was also contacted by Mr. ** on July 28 at 2:28pm via his cell phone, (I have a phone record) wherein he stated that he would have “taken care of all of the charges” if I didn’t call the corporate office.

Now, I gathered all the money I could, but because of Mr. **’s misleading sales pitch, I am still in the negative. I’m requesting that in addition to the $314.98, that Mr. ** pay the additional $216.00 for overdraft fees. The Allstate slogan is “You’re in good hands.” Well, this cannot be true when you have people like Mr. ** in your organization. Since my injury, I have nothing but time on my hands and therefore, this will be the first of several correspondences that I will write until I feel justice is done.

I currently have a homeowner’s policy with Allstate that I am considering cancelling due to the poor service I have encountered with Mr. **. We had hoped for a long lasting working relationship with Allstate Insurance Company, but in view of the careless handling of your associate, we may have to seriously re-consider our intentions. I request you to kindly look into the matter at the earliest and send us a reply as soon as possible.

Apparently, if my mother drives her car more than 5,000 miles a year, her rates rise. Without a response to the survey, they raised her rates to the highest level for someone who drives 12,000 miles per year. I got the current mileage and was able to get them to lower the rate by $30. Now, I have to show them proof that she doesn't drive over 5,000 miles a year to get the rate that we have had. Ridiculous! My mother was livid. She says, "What do I have a car for and pay insurance for if they limit the amount I can drive?!" She may be old, but she's definitely not stupid. She's absolutely right. This practice is ridiculous!

I signed up with Progressive on the 16th of July and immediately called Allstate and talked to Ashley. She told me I couldn't cancel until I sent her proof of my new insurance company. Immediately, I faxed her not once but twice that I wanted the insurance canceled immediately and the proof of insurance. When I talked to her, I asked her twice if I would be charged anything else and she assured me that I would not be. I never heard anything, so on the 20th, I called her and asked if my insurance had been cancelled and she said yes and that I would be getting a refund of $75. This morning, I went online and was charged the $124 and since I didn't put enough money in this account, I was charged overdraft of $66. She misled me as did Kelly. I called Allstate this morning and talked to someone and they told me that the senior management would have to look at this and get back to me in 24 to 48 hours as they were not able to help me. Do not trust this group of individuals.

Skip ahead 20 days or so and I start getting letters from AS, one of which was a request that I go to their branch office and provide proof of prior insurance. I did exactly what they asked, despite the fact that I had already provided said proof when I originally purchased insurance from them (I don't see how I would have gotten a policy otherwise). I went to the local office, showed them proof of my prior insurance coverage and they told me that everything was okay - no worries.

The next two letters I got from them went unopened because AS has been flooding my mailbox with solicitations for me to buy their other insurance policies. As far as I was concerned, the next letter I need to open would be the bill for the next six months of coverage. Fast forward to July 17th. I called the local office to find out if they had sent me a bill, only to have them tell me that my policy had been cancelled effective June 5th, 2009. They also informed me that a check had been sent to me from AS back in April for the amount remaining on my policy after cancellation. Suffice it to say I was stunned.

I went to the office and they basically said that I failed to supply proof of prior insurance, although they have records of me providing it. I figured this had to be a simple misunderstanding because my driving record is completely clean and I paid the first six months upfront. I then offered to buy a new policy while we straighten out what happened with the old one. They informed me that a new policy would be $900/6mo. I went home and found the two pieces of mail from AS. Mailing #1 (sent on 04/07/09) informed me that they adjusted my policy up by $45 and that I had to make a payment by 04/25/09. Mail #2 (sent on 04/20/09) was the $110 check informing me that my policy was cancelled.

How in the hell can they cancel the policy before the due date? No one in the local AS office could answer a single question about this affair other than to say that AS corporate did not accept my proof of prior insurance. I was immediately forced to find new car insurance and because AS had cancelled mine more than 30 days prior, the new policy was twice as much as the $350 I had allocated for the next payment. This is a total scam and I cannot be the only person this has happened to. There's a class action lawsuit in here somewhere.