Allstate Car Insurance Reviews

But most disappointing was the way Allstate is threatening me now. My 17 1/2 year old rear-ended a senior citizen who dropped her phone while driving and stopped in the middle lane on green light to pick it up. Her damages were estimated at $530. Allstate didn't even want to talk to me. My car was the 2nd vehicle and a teenager driving behind the wheel. This is all that mattered to them. They double my insurance; took discounts away and gave me accident penalty. For next 3 years they would make $4500 profit..... The fact that the 1st driver's 3-year old vehicle had obvious signs of reckless driving.... Who cares? This is Florida: it is senior citizen state. I filed a complaint about this outrageous increase. A woman called me and spent 20 mins. on the phone to tell me that she can't do anything--just rules and regulations. And she told me all about the statistics...as if the years I did trauma nursing I didn't know anything about car accidents and who can cause them.

I never got the answer why they increased my premium by 40%--which is the maximum and corresponds to a serious car accident with car that needs to be totaled. Such a rip off. So parents who have Allstate already, have a proactive agent to keep you informed about all new plans and discounts. Make sure you stay abreast and read, read everything and don't trust completely your agency. Don't forget that their paychecks come from Allstate.

How can I describe the economic damages - everyone who is a single parent can figure it out.... Emotional disappointment- huge... Working nights as a ICU nurse, staying up during days to argue with Allstate....Can someone do the math and tell my how much overtime I have to pick up so I can earn for them the$4500 profit.....

Now I'm responsible for paying a deductible for an accident that I CLEARLY did not cause. Limited on everything I do, as I don't have a car I can depend on!

My wife lost her full time employment because it required daily car use. The Company let her keep working to get a basis commission only and her salary was terminated, because the job require lot of traveling (it represent $ 18,000.00 losses in salary). We need to paid the deductible in the accident that wasn't our fault($500.00). We need to paid an inspection to Dell Volvo, to determine what must be left to be done, after the car was considered repaired by Allstate (it cost us $485.00). The accident and the troubles related with it, misbalanced my psychological life and doesn't let me sleep well till the point that I needed to visit a doctor specialized in those matters (it costs me $ 150.00) Stress has become part of our life in a way that we never felt before with no money to pay usual things, no vacation this year, driving a car that we are sure is going to fail any time. My job production is down due to physical pains treatments and visits to the Physicians ($25,000.00). The family was forced to acquire a second financed car, after rental time was gone (as we can't afford to rent a car by ourself, or assume another high monthly payment, we need to use our vacation budget of $5,000.00 to apply a downpayment to buy the substitute car; in the mean time, that the Volvo will be repaired).

Bruised lungs and constricted movement, loss of employment due to lack of transportation. Unable to drive my children to doctor when sick, or buy food for them.

I am sure if a claim would have been submitted to Allstate after 9/5/07 (the cancellation date), they would have said, because they hadn't received payment the claim could not be covered. I further told her they needed to correct their error and that this amount was not going to be paid. Can you please help us? From what I am reading on the internet Allstate's business practices are often incorrect. I assume that a great deal of the time they get away with this.

I am not in good health and this is just adding to my problems.

Our agent called us last time and indicated Allstate had canceled our insurance several weeks before as they didn't receive a payment. Just as before the payment had been made several weeks before.

They suggested an automated payment, but we did this with her last car loan and last Christmas the company withdrew two $400 payments in two days. We had a very bleak Christmas and they said "whoops".

I was not prepared to pay anything and financially it has caused me a hardship.

Allstate advertised for years, on national television networks, how they go out of their way to help their clients. Well it wasn't that way for me! I had a situation where I required their assistance in a legal matter and have been trying to get this resolved for years!

When I asked for their assistance they refuse to help me. My lawyer and I were on the phone with the Allstate staff and they did not help. The employees involved should lose their jobs for how they treated me.

When I checked my ratings I found my credit to be in the very good range, with no late or missed payments and all credit paid off early. My credit score was 840 (labled very good). This reporting period covered 23 years. I have two children on my policies and this affected them the most. My children have the good student discount as well.

I am single and struggling to pay all the increases in food, gas, ultilities and now Allstate. It may not seem like much to most people, but its alot to me. I have not had any accidents or tickets for them to do this to me.

Their customer service is very rude and I am angry and dissapointed .

The police came, and their report clearly states that the other car had a yield sign. Somehow his insurance company (Allstate) came to the conclusion that 15% of this accident was my fault. I disagree completely with their decision, but apparently I have no recourse to dispute this. I made several attempts to rectify this matter on my own, both over the phone and in writing, but I was not successful.

I was surprised that there are apparently no mediation services available to consumers who disagree with an insurance company's decision. Allstate keeps telling me that they have made their decision, and that my only recourse is small claims court. I have started those proceedings, but this whole situation has left me feeling incredibly powerless and frustrated. I feel like I am being taken advantage of, and I can't seem to find the proper authority to complain to.

The dollar amount that I am disputing is insignificant, and I realize that. It is the principle of the matter that I am concerned about. It seems like insurance companies have the right to arbitrarily come up with any settlement they want, secure in the knowledge that most people aren't going to bother to go through what I have been dealing with for the past couple of months. I have found the entire situation extremely frustrating and annoying, and I would appreciate any help you could give me.

They have paid me $603.24 (I have not cashed this check). It will be an additional $106.46 to repair my car, and they had originally approved $40.00 towards two days of a rental car, but that money was not included in the check they sent. I have now also paid a $25.00 fee for Small Claims Court. Of course this doesn't include the multitudes of phone calls, letters and time that I have invested in this situation. I have also paid out of pocket for some of the repairs that couldn't wait, but I can't reimburse myself, because they wrote "final settlement" on the check, and I'm afraid I'll lose any future rights if I cash it.

You have summed up the situation perfectly in your report and you are absolutely right in going to Small Claims Court. It really is your only realistic option at this point.

Follow-up:

I thought you would be interested in hearing how it all turned out. Shortly after I filed a complaint in Small Claims Court, I received a call from Allstate's attorney. She informed me that I was not allowed to sue Allstate, as I had "no established relationship with them". I was advised by their attorney to try to get the money from the man who hit me (how's that for Allstate standing up for their customers?)

I did not want to go after this man; isn't that why the guy bought insurance? Their lawyer insisted that she was just trying to give me good advice - I could pursue the claim against them, but she assured me that the judge "would throw the case out".

For me, it was the principal of the thing, not the actual money, so I told her I intended to pursue this to the end just to make my point. I must admit that by this time I was getting fairly nasty with her; the entire thing had started to become somewhat ludicrous! At any rate, I hung up on her.

Therefore, I was surprised and amused to hear from the original woman who processed my claim THE VERY NEXT MORNING. She was all sweetness and politeness for this call. She informed me that they had looked into the case again (how many times had I asked them to do that?) and found that I "had been telling the truth all along". She actually said those words to me!!

So, it took a long time, and nearly drove me bonkers, but I got my $100 out of those unscrupulous folks! As a side note, I had a small accident this winter that was handled by my own insurance company, Champlain Casualty. I had never put in a claim with them before, so I braced myself for the same shabby treatment I got from Allstate, as I assumed this was an industry standard.

I am pleased to report that Champlain Casualty's handling of my claim was more than excellent. They arranged a rental car, talked to the body shop, and had enough respect for me to actually listen to what I was saying instead of assuming that I was lying. It's nice to know that there are reputable companies out there. I was extremely upset about this for months. I have a great feeling of satisfaction now, and I'm glad I stuck it out!

Small Claims Court is a great weapon, all right. As Amy learned, most cases settle long before they go to trial if the plaintiff has a good case and looks determined.