Past Complaint Archives
September - October 1999
RE: Tony Noir The future medicals that you are speaking of, are they documented? Is there anything to support them? If not have your doctor and possible a second opinion comment on the extent and probability of future needs. Now this is a gray area because it is an unknown. If you are represented it might be beneficial to have your attorney file a suit in excess of the policy limits. An insurers job is to protect the insured. If they stand to get a judgment in excess of those limits then their insured is left holding the bag for the rest. Insurance companies are then sued by their own insured for bad faith. This may not get you the policy limits but it may help...
Re: Les and his theft . . . . . If they are wanting to obtain that type of info about you then it sounds like they have some questions about you and this loss. I would ask them (in writing or by phone) what accounts they want to look at, bank, medical, etc. Have an attorney, paralegal, etc type up a release that is specific to these accounts and what type of info can be released to them. This will give you an idea of what they are looking for and possibly why. Request in that release that as a condition you also be provided a copy of what they have received. Make the authorization have a specific expiration of say 3 months. They have to be allow to investigate the loss and you are required to cooperate as a condition of your policy. You should be able, with some creative writing, limit and stay abreast of what they are looking at. This is a case of the good suffering for the bad. There is so much fraud that insurers must investigate all aspects of a claim. There is a point when this should stop and sometimes it doesn't. Ask pointed but polite questions as to why and what they want to see. Hint: lots of things are changing at Allstate internally and I know the editor of this site takes partial credit for it (right?). Though I don't know if it will help you or not.
Editors Note: Phantom Guest Writer, thanks for the helping our visitors. Are you one of the attorneys that we have invited to be a guest editor? Please e-mail us so we know who you are. We will keep you confidential if you request it, but we would like to know who you are. In either case....
I have Allstate home owner's insurance, have for ten years now. In one year, they upped my insurance by $389, the next year, they overcharge me $214. All I have gotten refunded (with the state insurance boards help) is $456. They still owe me $147, which I'm still fighting for. I feel lucky to have been refunded this much, but I'm not giving up. This was all caused by our Texas fire code, all I'm getting are excuses from Allstate.
what an awesome web page you must have a great deal of extra time on your hands try getting a life
Another Allstate consumer Site. This may shock some of you, Allstate by no means is the worst insurance company out there anymore. They are unique only because they have a "planned procedure" to prey on the folks without resources to short change them. Their adjusters are trained to screw you. Who is worse then Allstate? Farmers, Travelers, Metropolitan, Liberty Mutual, to name a couple. If you know the Allstate "Plan" you can beat them. Advise? Read your policy, use common sense, put the adjuster on the record when dealing with them. Good Luck.
Editors Note: Ricco, thanks for visiting our site. Your site is GREAT!!! Can you tell us what the "Allstate Plan" is. If you tell us, I will post it so everyone else will know too. Everyone check out Riccos site it has very useful & professional information.
I was over charged for the cost of the insurance by over twice of the amount that it should have cost and I was told that I would get the extra back that I over paid but it has been over two months and I have heard nothing. The number I was given to call to check about this is always busy, even at midnight, so I think it was a bogus number
Can anyone give me some advice. We had a loss, theft to our home. Allstate wants us to sign an authorization form that seems pretty invasive, allowing them to search accounts, medical records, etc. take pictures, remove things etc. Is this a standard procedure?
Editors Note: Les, I talked to an attorney in Washington D.C. yesterday. He said he had a letter from an insurance commissioner stating that they could not search the personal records of a policyholder. I am trying to get a copy of it to post on our site. In the meantime, contact The Florida Department Of Insurance, consumer section. They should be able to tell you your rights.
MOTORCYCLE ACCIDENT, I was struck by an Allstate insured person. I sustained various injuries. Broken bones, cervical damage. There policy is limited to $ 100,000.00. My Medical bills alone are $ 30,000.00. I am still a young person 28. Here it is 1 year later. I still have ailments from the injuries. Its caused my profession of 10 years to be handicapped by 50%. I believe ill still have long term repercussions from the injuries. The have offered me $ 50,000.00 . What the hell am I to do with that?????????? Pay my medical bills and attorney fees...... What about my family, physical self and future???????.. I just think its disgusting that they would put me thru this. I also missed 3 months of work ($12,000.00) loss of wages. I had to borrow money to make ends meet. I have a mediation hearing next month. I really don't know what to do. Thank you.......
Editors Note: Tony, It appears you have a claim worth in excess of the policyholders limits. Try sending Allstate a letter that you intend to sue the policyholder for an amount in excess of $1,000,000. But you will settle for the policy limit of $100,000 If they settle within ten days. If the attorneys for the policyholder don't settle for the policy limit and protect the policyholder, they may have a tremendous conflict of interest by acting in the best interest of Allstate instead of their client, the policy holder. Allstate also has an obligation to advise the policy holder of the settlement offer. If you have any questions e-mail us & we will be glad to talk to you.
My wife was hit by an Allstate driver that left the scene. My wife got the registration of this person and called the police. The police contacted the person involved and told us that Allstate was that persons insurance provider. Allstate claims that my wife hit their client and they would only pay half the damage by THEIR adjuster. I don't want to go though my insurance because the damage is so minor that my deductible won't be exceeded and I'm sure that ALLSTATE know this and they won't negotiate. I would need the police to help me in my case but they won't get involved. It's not worth paying a lawyer. I'm just stuck with it.
Editors Note: Phil, call your insurance company & talk to them. They will not mind going after Allstate for the full amount of the claim. You will initially have to pay the deductible, but it will be reimbursed by your insurance company when they collect from Allstate. Your Insurance will not (or at least should not) hold this claim against you. If you want to have fun with Allstate, wear one of our T-Shirts to talk to the claims adjuster. Also, wear it to your insurance company's office. You will be the hit of the office.
Keep us informed and let us know what happened. Thanks for visiting our site.
In March of 1999 I called my Agent Jane Bogan to switch my policy from the deluxe homeowners to the landlord tenant. My agent informed me I had two prior claims and Allstate would not accept the change and to leave it as is. On September 7, 1999 my home was broken into and there was $3000.00 worth of damage done. I called in the claim and They assigned adjuster to see the house on 9/10. The adjuster not the claim rep informed me there was no coverage because the policy was a deluxe homeowners not a landlord tenant. An estimate was never written and a denial never sent. I have filed with Maryland Insurance Commission but haven't received any answers. Wasn't it the agents responsibility to switch policies and then for Allstate to cancel me?? The agent just kept the policy so they could receive the money. Had Allstate done this right, I would have coverage else were and also have a repaired home. The home was vacant at the time of the loss. If anyone has any suggestions or answers please contact me at Ncarnell@bankersins.com
My vehicle (1993 Chevrolet Silverado, pick-up) was stolen off of my property. I reported this to the police and of course, Allstate. After 2 months, they offered me $9,300.00 for this vehicle after their appraiser submitted his report. I then retained my own appraiser with a very impressive history in the automobile business. He reached a price of $12,500.00, not including tax. This would exceed $13,000.00. I am now preparing a lawsuit against Allstate and would be interested if any other people have been involved in a similar lawsuit and what was the outcome.
Editors Note: Dave, there is a class action lawsuit right now for Diminished Value. You are very lucky, there is an attorney in your state that probably knows how to fight insurance company's as well or better than any attorney in the country (go to his web site & check out his credentials). Call him, you will then be in the real "Good Hands" His name is Robert E. Richardson Please stay in touch and let us know what happens. Lets hope they don't use the "You stole your own vehicle" tactic.
If people want to cover their possesions against flooding, buy FLOOD INSURANCE. Homeowners insurance does NOT cover flooding and water seepage. Why do people not understand this?
I am currently an Allstate employee. I have been reading most of these complaints. I do not want my name or e-mail address reviled. I would just like to give some advise. First of all, we have not been owned by Sears for 4 yrs now. If you have insurance, please review your policy and your policy limits and understand them. Don't wait until you get into a motor vehicle accident to learn about your policy. That way if you are hit by an Allstate Insured (or anyone else for that reason) you have the coverage's that you need. Make sure you have rental, if there are liability issues after an accident, you will not have to wait for an adj. to make a decision and you wont be without a car because you can use your rental. Keep in mind, when people get into motor vehicle accidents, they see $$$$ whether they are seriously injured or not. Every situation is different and people should be treated fairly. Be careful in choosing another insurance company, some places are cheaper because they get you to take less coverage's. I know because I just got done insurance shopping. I am not insured with Allstate and I agree their prices are a little high. I wish you all the best with your claims.
Editors Note: I'm looking in the "Confidential Allstate Employee Training Manual" for this patented answer that u'all keep giving. Maybe you can tell us where in our policy's it says, that you will deny or dispute all claims, that you will offer half of the value of a vehicle that was just purchased, or that you will refuse to pay for a home that burned down because you accuse the homeowner of burning it down himself. (Like Kelly Dickinson who had to wait 2 years and was forced to settle for much less than his home was worth, and Doug Reese who has been waiting five years and we all know about Don Thompson, & [by the way--none of these accused home burners have ever had criminal charges filed against them, not only do you victimize them but you slander them toooo.), or the people right now in North & South Carolina that you refuse to pay for flooding to their homes, when Floyd caused power to go out and the sump pumps couldn't pump the water out. (you called that backed up sewers and refused to pay the claims), or roofs you refuse to fix after Floyd by your constant delaying tactics. Now there is another hurricane coming and your customers will face the new storm with damaged roofs. I could go on for hours. Let me tell you: Your company stinks, your senior management is evil & sadistic. I'll tell you what: I will be willing to rent an auditorium if your senior management will face all these victims in a forum. That's a pretty safe bet on my part. These type of cowards only attack victims when they can hide behind a telephone or a bunch of attorneys or put a bunch of puppet adjusters between them and the people whose lives they are destroying.. They never come out in the open.
Claim number 2594383164 B07
Why if someone backs up and hits you will the insurance company pay only 85%. This isn't right.
I have a homeowner policy as well as auto policy with Allstate. I called them right after Floyds hit at the 180054storm. The lady told me to keep all my damaged merchandise from the storm. Well my basement flooded because I lost electricity and the sump pump did not work. I lost a lot. I piled it out in my back yard like I was told. Two weeks later the adjuster came out and told me to get the serial numbers and model numbers off the stuff. So my husband and I dug around in wet mildew and found what he wanted. The next week I get a call at 9:3o in the evening. Now I am a sleep I have a child that has to go to school bright and early in the morning. The adjuster told me at that late hour that my policy did not cover my flooded basement. They consider this a sewage back up and it is not covered under my policy. Three week later it cost me $120.00 to get all the mess in my yard cleaned out and now I have patches of dead or dieing grass.
My roof is leaking in my Childs room. Some shingles in the back of my house came off. The adjuster says that they will replace shingles in the back and a piece on the roof. I can not find a reputable contractor who will do the kind of shoddy work that they want done and warranty it. I could understand if they said well it is only leaking on one side we will pay half but they are not even paying for a fourth of it. My back wood stockage fence was blown down in places. It has two gates that interlock to close and form a lock. This gate is to keep people out and protect my child when she is playing in our yard. They want me to replace have this gate. It will be nearly impossible to match up the gate for looks let alone to lock securely to protect my child while she plays in the yard. Meanwhile there is another storm system called Irene waiting to kit and I do not have the money and extra funds to get the repairs done in time for Irene. The roofer told me two weeks before they could even start and the contractor on the fence told me two to three weeks to complete. I paid insurance with Allstate for nine years and this is what I get in return for being a loyal customer. What do I do? Where do I turn?
Editors Note: Dawn, You need immediate legal advise. Be sure that you call a law firm that knows the insurance code and handles bad faith of insurance companies. If you pick the wrong law firm you could have double trouble. We have no experience with attorneys in your area. But....... There was a Baltimore Class action lawsuit filed by a Washington D.C. law firm called Chaikin & Sherman, P.C, They might have an office in Baltimore. Try calling them and see if they take lawsuits in Baltimore. They must be knowledgeable about insurance litigation, they attended a seminar on "HOW TO CURB ALLSTATE'S ABUSES" in Raleigh NC. They are also members of NCATL
My name is Ali Al-ganaimi I know allstate sucks they are playing a game with me cause I dont read english good. My car was stolen in the day. It's been over thirty days they did take my rental car away. I have three childern and my wife is pregant. allstate does not call me at all.I call them and they give me the round a round all the time. I told allstate to fix my car I dont need no money Ineed my car so Ican go work soI can support my family.
Editors Note: Hang in there Ali, I'm trying to get you some advise by tomorrow. (Wednesday) Immediately file a complaint with the Michigan Insurance Bureau. That will force Allstate to get back to you within 30 days. Don't be surprised if you are only offered half of what your car was worth at the time it was stolen. If they offer you less than its true value, contact Jonathan shubb, he has a class-Action lawsuit against Allstate for what is called Diminished
Note: Brenda, Please call:
Charles G. Monnett III & Associates
He is with a Law Firm in your area who understands how unfairly you are being treated. He is expecting your call. Mention us and he will know who you are. Help is on the way------Good luck!!!!!!!! Please e-mail us so we can put you on our newsletter list.
I was just AMAZED to find this website! It is almost like finding a support group - what a relief!
Believe it or not, I have had an unresolved homeowner's claim since July, 1998 for replacement of a ceramic tile floor in a bathroom shower. It has just been one problem after another beginning with the first call to the Claims Dept.
The claims adjuster quickly sent a check to me for a very low amount with a note that the amount was just an "estimate" to be used as a "guideline". Well, the "guideline" turned out to be written in stone. They would not even consider negotiating with the tile installer I wanted because they said he was too high even though he had excellent references. In the process, I have been accused by an agent as being the problem and told to get another agent because I wanted references from a contractor on their preferred list.
They finally wore me down to the point that I accepted a contractor from their list. The work on the 4 x 4 shower floor began in July. To this date - 10/18/99 - I have still been unable to use my shower. The contractor had to have the tile installers he contracted tear parts of the floor out three times. It has now been 7 weeks, I have heard nothing from the contractor, he has no money, and he does not return calls. The shower does not drain properly because of improper installation. I have placed calls to the Regional VP in Atlanta, a Unit Manager, and my agent. The Regional VP turned it back to the local office and the Unit Manager. They are now agreeing to pay someone to tear the floor out and reinstall - however, they still will not agree to go with the installer I requested originally because of cost. Still - I do not know how much they are willing to pay to correct the problems - an Allstate person has not come to my home to look at the job.
Editors Note: Brenda, They have you right where they want you. The damages aren't enough for you to hire an attorney and they almost got away with using a sub-standard contractor. Multiply your problem by the millions of other policy holders that they can pawn off these incompetent low-balling jerks off too every year. This is one of the many required tactics they use to victimize their policy holders. Count your blessings, you're lucky it isn't medical bills you are complaining about or the total loss of your home.
Try this, get one of our Allstate Insurance Sucks.com T-Shirts and wear it to the adjusters and agents office. They spend hundreds of millions of dollars on advertising per year to sucker new customers in (because their premium growth is so low, guess why). One person, wearing one T-Shirt, twice a week, to malls, fast food restaurants & other crowed places will generate a lot of bad publicity for them. One person could cost them easily over $50,000 worth of business per year. We just got these shirts and have already shipped 20 of them the first day. Then I suggest you file for the maximum PUNITIVE damages in small claims court (have photos etc. to take to court, plus any witnesses you can round up. (i.e. the installer they wouldn't let you use). Be sure to have all your friends walk up & down the court house corridors with their Allstate Insurance Sucks.com T-Shirts on, and wear yours to court. We have to "Fight Back In A Collective Manner"
Back when life was good I started a policy with Allstate. I opened my policy at the Joyce Covington agency in Hanover, MD because the other Allstate agent only 8 miles down the road was 105% more expensive for the SAME policy. I had one small accident (fender bender with no body injuries) in my two year tenure with Allstate. They made a billing "error" for an increase in premium of 30% on my next renewal. They couldn't correct it before my expiration so I had to switch and I chose Geico. Geico charged me 30% less than my original Allstate policy! Well I have decided to buy a new truck. Geico is going to charge me $1010 a year for this new policy. I thought I'd call Allstate just for giggles. They actually quoted me $4400 a year for a policy!! I laughed and hung up. Now they have only reinforced the reasons I will not go back with them. Allstate does indeed SUCK!!
I was involved in a very minor parking lot accident. the other vehicle had no damage, but my new car had a big dent in the rear bumper. A kind gentleman came over and gave us his business card to be a witness (unheard of usually.) I contact claims, (I might note that I just retired as an Allstate agent and claims knew that) and had to make many phone calls asking if the witness had been contacted...left messages.. no return calls. Neither the other party nor myself could see what actually happened. Claims just assumed it was contributory. Well, it cost me $250.00 (my ded.). I finally called the witness myself, and asked him if anyone from claims had called and he said no. I was very embarrassed by this lack of follow up. I shopped and even with all the discounts Allstate could offer, I found the same ins. with USAA for $300 per year less! I am so glad I no longer represent a company that is losing is reputation and its clients with their overblown prices and lack of service in the claims dept.
Editors Note: Thanks Carla, its just as we suspected, "Allstate Insurance Company, eats their own" Well.... that could be a nice bumper sticker for you Allstate employees. You are not immune.
I had an Allstate insured back into my parked car. The damage was to the drivers door. I got an estimate from both Allstate and the shop. Allstate knew the shop, it's known for being a good shop. They do the local Highway Patrol cars. The Allstate estimate was much less but the adjuster said that the difference would be resolved later. I also questioned Allstate and the shop about a large difference in the door price. Turns out the shop had made a mistake. Allstate gave me a copy for the shop and a number for them to call to report and resolve any problems and differences. I gave this to the shop. When I picked up the car I asked if Allstate had approved the difference & he said "everything is cool". I hadn't gotten a check at that point so I had to pay for the car and the rental myself. The repair was to take 5 days but because of the extra work and they were busy it took 12 days. That may sound like a long time but be aware that in this area you have to wait on a month+ waiting list to get your car worked on. They did me a favor and got me in early because rain was getting in and the door was not fully latching. Well when I asked for my check Allstate said that the repairs were not approved. From this point on I dealt only with the claims manager. I asked the shop & they said that they were approved & gave me the name of the adjuster. I told this to Allstate and turned out that the named adjuster had been at the shop that day but said that he couldn't remember entering my car. What they did then was to send me a check for about 2/3 my cost (which was the original estimate) which I can't cash because it says on it if I cash it I agree that they don't owe anymore. Those are the facts, the trouble started I think when I asked about the price of the door. Even though it wasn't their problem I sensed they weren't happy I would question anything. I sensed a bad attitude, sort of everyone's on the take, including you, bored, whatever, attitude. I’m now waiting for small claims court.
Editors Note: Keith, thanks for sharing, keep us informed. Your Allstate Insurance Sucks.com T-Shirt is on the way.
Dear Allstate insurance, I have just one question for you. Why does it take HOURS before your customer service picks up? This is a problem that needs to be stopped. Thanks for taking the time to listen.
Allstate has a mobile claims team that travels around the country. They are called CAT teams. I need to monitor their locations, and monitor their claim filings (e-mails to home office)email@example.com
After my son was in a accident were Anthony D. Decuir ran a stop sign in front of my sons car who was unable to stop in time to avoid the accident, ran into the side of Anthony D. Decuir's truck (who is insured by AllState insurance). My son to receive neck and chest muscle stains and some bruising. With a passenger who received severe head and arm injuries. AllState insurance Adjuster Pam Hobbs of the Baton Rouge, La. Main office said she would only offer what they call the replacement cost of the car. By her office standers that are less then blue book value after she deduced what she claims as adjustment. She refuses to restore or replace the car and offered only $2230.00 that is a little over 1/3 of the value of my son's car as settlement. The blue book valve is $4,750.00. Even when their price range that she shows on the total loss appraisal is $5,183.00 to 4,462.00 with the average being $4,703.00. So I called AllState insurance representative Amy Dartez who said she could not help me in the appraisal of the car and who as not helped me in any of this so far. I would like to know were justice is in our county were a insurance co. like AllState insurance can get away with ripping people off in the replacement of a car that their policy hold damaged. After talking to a lawyer he said it would be hard to get a fair settlement with this Co. and if I brought them to court that His cost with court fees etc. would be higher then the value of the car How can they get away with this??? Is there in justice any were to force AllState insurance to be fair in their settlements?????
Editors Note: Jimmy, don't expect Allstate to be fair. It's not going to happen. I would recommend you immediately submit your claim to your own insurance company. They will be more fair with you and they will have an easier time getting reimbursed from Allstate than you will have collecting from them and it won't go against your record. You will probably have to pay the deductible. You can then sue Anthony D. Decuir and Allstate in small claims court, to try to get your deductible back and for punitive damages. The advantage of small claims court is you can tell the judge that it was the insurance company that was unfair, whereas you cannot even mention the insurance company in the regular court system. (Read the Al Legan story) Then you can ask the judge for maximum punitive damages that the small claims court will allow. (you may get lucky and get a Judge that will want to teach Allstate a lesson). I would also recommend you get "Allstate Insurance Sucks.com" T-Shirts for yourself & your family & friends. Wear them to The Allstate adjusters office, walk through your shopping malls and go to the court house and keep walking through the corridors so everyone can see your T-Shirts and of course have everyone wear them to small claims court. (Call your local newspaper and try to get them to do a photo story on your case, showing your T-Shirts). The information on our pages may help others. We need to "Fight Back In A Collective Manner". Also file a formal complaint with the Louisiana Department of Insurance
As for how Allstate can get away with ripping off people............ Until now no one new to what extent Allstate was victimizing people. Now with the internet and electronic communication, here we are, a Allstate victim in Las Vegas, Nevada helping another Allstate victim in Geismar, Louisiana and we have never met till today. This is the internet at its best. We can make a difference by letting the world know what evil and sadistic people Allstate senior management is. Hopefully, they cannot hide their tactics any longer. Something has to give. Lets hope its Allstate.
I have been an agent for quite a few years. I am one of the new breeds hired as NEA. What that means is Neighborhood Exclusive Agent. I am by definition an independent contractor but exclusively tied to only Allstate. Right now (10-8-99) I have never seen this company in worse shape. We cannot write much in new business because of pricing and guidelines, it seems that no one in management cares, and it is a constant battle to keep this company off the backs of its own clients. Allstate reunderwrites every policy with very strict guidelines, Credit, MVR, CLUE. Our regional vice president here in Ohio was fired on Tuesday, 10-5-99, and the only thing our stupid managers are worried about is whether or not our phones are rolled over to a call center so we can advertise 24/7. I have put my life and my families future on the line for a business and I am scared.
Just thought I would let you know that although I had insurance with Allstate for over 10 years and was finally smart enough to drop them a few months ago. I was unaware that a wreck my husband had 3 years ago in which he was rearended was paid off of our policy. It was suppose to have been a wash so to speak because the other party's insurance was Allstate as well. I questioned the agent as to why our premiums went up and he stated because my husband had an accident and he would check in to it. Never did. Only recently did I find out the real story. When my husband sold his truck they rolled the accident over to my vehicle and my premium was extremely high. When he bought an old old truck they never adjusted his accident off of mine and told me that my insurance on my truck would be higher even with the adjustment but couldn't tell me why. I had an accident in June of 98 when a 3rd time DUI driver ran a stop sign going 70mph and I t-boned him. My mother and I were not seriously injured but I had to undergo reconstructive surgery and found out I was pregnant. I had PT that had to be postponed and was very anxious the entire time as to how the baby would be. To date he is fine so far. Needless to say, I did have to hire an attorney (not that pleased with him either) but anyways, to make a long story short, Allstate would not pay off of this other policy and I had to claim it off of my truck even though I was driving my mother's car. Her insurance did not cover anyone outside the household. Anyway, my claim for medical was paid eventually and 3 months later the other persons policy was found to be good but only had $10,000.00. Of course that was already gone when the medical portions had to be reimbursed to the insurance company and the attorney. My mother has since settled her claim (although it was not enough) but they are now offering me a big $3,000.00 for my pain and suffering. I have made my attorney well aware that I have been told that Allstate waits until the last minute and even right before court to settle and I am very adamant that I will not settle outside of court if they continue to drag me along. They have made everything to their advantage and have forgotten that I was a victim. This stupid kid like I said was a 3rd time DUI driver with a suspended licence. He again got his license suspended (guess he has more than one)haha and received no jail time. He will be their only defense. I am convinced that 15 months later, their offer is way out of bounds and even though I am having to sue my personal insurance policy, I have a somewhat better coverage and plan to seek the maximum. How dare they or my attorney think that they know how much I or my family have suffered. As much as I would like to get this over with I am curious to see what their next move will be. My attorney is scheduled to go for a court date next week. I can't imagine a jury thinking this company stands a good chance of winning. Can Allstate guarantee me that my chronic pains and the health of my child will ever be within the norm? No they can't. Thanks for letting me vent.
Most of the people complaining about Allstate are not policyholders, and I don't understand why they don't use their own insurance companies, isn't that why they pay them? Insurance companies, including Allstate, are under obligation to defend their policyholders. This means that insurance companies stand by their insured's version of an accident. You will find this to be true with all insurance companies. It is my belief that most be don't understand, or refuse to understand the logic. Insurance companies need to make money, and the way that make money is by retaining their insurers. Most policies take 7 years for the company to make a profit. So, therefore when you have an insured that is saying that this is what happened in the accident, and they are adamant about it, insurance companies, must stand by their policyholders.
Editors Note: That is a good point! I have been wondering about that also. We will investigate this approach and get back to you next week. Although I have some very good thoughts on this, I will contact my new insurance company (I am an ex-Allstate policyholder) and some of the exceptional attorneys that advise us, so I can respond in an accurate manner.
You should have no problem identifying yourself unless your company has forbidden you to respond to these pages. We like to know who we are communicating with, especially people like yourself with intelligent suggestions. If you feel signing your name to your suggestions will jeopardize you, you can e-mail us. We receive e-mail from Allstate employees all the time and keep everything confidential if it is requested.
Hey! It's me again, Barbara Beauregard. I'm the one that dropped my case against them. Don't do what I did until you file with the Commissioner of Insurance for your state! Since finding this web page I decided to do it anyway. Today, Fri. Oct 8th, I get a call from a Lou Griswell ? from Allstate saying we have a letter here from the state of N.C. and we are required to call you. I said "yeah, and now you are going to send me a check right?" He said "I bet you have State Farm insurance don't you?" I said "No, but what difference does it make? Your client was wrong t-boning my kid's car, I drop the suit because of your delay tactics, and now I get to wait for a letter from you saying it was our fault or else we wouldn't have dropped the suit!" "Oh well, I just here to respond." At that point I said, "In your free time why not check out an interesting web site called, ALLSTATE INSURANCE SUCKS. COM" and hung up! Thanks to Paula Moran and people like you who have the courage to stand up to these **!!***
Editors Note: Thanks Barbara, you made my day!!! Another one for the good guys.
Editors Note: Please, Please, Please e-mail us with more information. We are gathering information to use at a later date. We will not publish anything without your permission and we will keep your identity confidential.
I have been renting for 2 years, finally after the destruction of Dennis and Floyd in our locale, I decided to get renter's insurance. I have had my automobile insurance with Allstate for over 15 years, so naturally I wanted to make one shopping trip do for all. They told me about a policy that would cost me about $100.00 a year for $25,000 in coverage. Although I have been with them for years, they needed to check my credit to see if I was safe. Fortunately for me, I had problems in my credit report and because of this they wanted to offer me a policy that would cost me $60.00 more. I personally felt that was unfair considering I have been doing business with them all along and at that stage my credit should not have been an issue. I immediately called around and found someone to take my automotive insurance and renters for less than what I was paying for auto insurance alone. For now, I'm satisfied and I'm grateful to Allstate for doing me the favor of waking me up to hidden discrimination.
I am an adjuster for a major insurance company working in the automobile division. I have read many of the complaints people have written. There are some insurance companies who encourage their employees to settle claims as cheaply as possible. I have worked for a few of them. I am proud to work for a company who encourages adjusters to settle claims at their value. We are encouraged to settle fairly but quickly. The longer a claim file is open, the more it will cost in the end. I disagree with the person who said that most soft tissue injuries are fabricated. It has been my experience that one claiming a low impact, soft tissue injury is indeed physically traumatized in the impact but chooses to seek treatment prematurely. God has given the human body the ability to heal itself for these minor discomforts and if the person would let time take it's course, the soreness and stiffness the symptoms would subside within a few days. Instead, many seek immediate treatment from physicians, physical therapists and the god forsaken chiropractors, thus generating a significant bodily injury claim. Preexisting injuries ARE considered by the adjuster when evaluating an injury but should not necessary lower the value of the claim. I understand people's bitterness towards insurance claim representatives. Not all claims turn out unfavorable. it all.
Editors Note: Thanks for your comments.
I was rear-ended by a drive that is insured by Allstate on 8-30-99. After many phone calls and faxes I received a claim number on 9-27-99. I was told many times that the check was in the mail for my deductible that by law they owe me. They try to avoid me by not returning my calls. They tell me that they are working on it, but I have not seen anything from them. Just a load of shit. Today is 10-5-99. I am insured by AAA.
Editors Note: Robert, Don't waste your time anymore trying to convince Allstate to be fair. File a formal complaint with the Michigan Insurance Bureau at: http://www.cis.state.mi.us/ins/consumer/complain.htm Watch what happens then.
I was rear-ended in two separate incidents on June 10 and on July 22, 1999, by two different Allstate policyholders, both of whom received citations for careless driving and paid the fines. I was at a stop both times waiting at a stop light. Allstate is denying my claim to have my car fixed. Allstate is promoting the lie given by Addie McLeod, saying that my car was damaged beforehand--which is a lie. The investigating officer gave an at-the-scene estimation of damage to my car and illustrated where the damage had been done to my car on the June 10, 1999 Traffic Crash Report. Everyone at the scene of the accident was in agreement of who was at fault and about the damage. Only days later was this lie fabricated about my car already being damaged. Besides, if Addie McLeod had saw so much she would not have had rear-ended my car at a stoplight. While waiting on Allstate to cooperate (and my car still unrepaired) I was rear-ended a second time by another Allstate policyholder, Randy Reeder. It has been three months and Allstate still refuses to fix my car and other related expenses (medical treatment and lost wages).
Editors Note: Randy, submit your claims to your insurance company. Let them deal with Allstate. They should be able to be reimbursed and if you were not at fault it will not affect your insurance record. You bought your insurance for peace of mind. Let your insurance company do their job, they won't mind. If you were injured you should consult with a attorney. They will usually consult with you the first time for free. Don't hire them on the spot, go home and see if you feel comfortable about an attorney before you hire them. They will be there tomorrow.
Ref: Auto claims on weekends? Need replacement vehicle?? Forget it!!! My son was involved in an accident with a driver "insured" with Allstate this weekend. After conversations with 3 (three) Allstate representatives I find that there is NO ONE who can authorize a replacement vehicle for him to get to work to his 3rd shift job on Sunday night. "Call on Monday and talk to an authorized claims representative" is the suggestion I have been given. I guess Allstate does not know that accidents happen on weekends. And that some people work outside the Allstate bankers hours. Any suggestions? Thanks Jim Everett
Editors Note: Jim, we hope to have a couple of attorneys answering these questions soon. I would suggest that your son get the rental vehicle under his insurance policy and let his insurance company deal with Allstate to get reimbursed. Or get a rental vehicle and save the receipts for reimbursement. In either case, if you get lucky things may go smoothly or you may be in for a two year horror story trying to get Allstate to pay any portion of your claims. Keep us informed & Good Luck
We just canceled Allstate Roadside assistance. After one year and only using it Two times, we received a very nasty letter saying that if we used the roadside assistance one more time, it would be cancelled by Allstate. This morning I called Allstate and was told that is correct, we have a limit of three times use for a year, and the rate has gone up.
Maybe you can help me out. I own a 1998 Chevy Astro Van. On April 1999 my vehicle was stolen. It was recovered the next day but vandalized. I put a claim on this and I was denied my auto theft claim by Allstate. By the way I had to go to an Examination Under Oath and gave them all the paper they needed. According to them the outside auto forensics engineer they hired determine that the theft could not have happen. What I wanted to know is how can I hire an auto forensic investigators to take Allstate to court and prove them wrong. I tried to find one but no luck.
I read your column and I never knew how Allstate is so vicious and low life to their insurers. I asked the SIU investigator if I can have a copy of the forensic engineers report and they said NO. Can they legally do that? Please help me with this battle. Thanks if you have any questions please email. Thank you.
DISCLAIMER-THE FOLLOWING SHOULD NOT BE CONSIDERED AS LEGAL ADVISE. CONSULT WITH A LOCAL ATTORNEY.
1) OBTAIN A COPY OF YOUR INSURANCE POLICY/LEGAL CONTRACT.
2) REVIEW PROVISIONS UNDER SECTION "PROTECTION AGAINST LOSS TO THE AUTO".
3) NOTE THAT COVERAGE SHOULD INCLUDE "PROTECTION" FOR
A) "THEFT OR LARCENY" AND
B) "MISCHIEF OR VANDALISM"
4) THE ONLY RELEVANT EXCLUSIONARY LANGUAGE UNDER THE POLICY STATES: NO COVERAGE FOR- "LOSS CAUSED INTENTIONALLY BY OR AT THE DIRECTION OF AN INSURED PERSON".
5) CONTACT LOCAL DEPARTMENT OF BUSINESS REGULATION-INSURANCE DIVISION. OBTAIN A FREE COPY OF YOUR LOCAL INSURANCE REGULATIONS. RI REGULATION 73 ENTITLED "UNFAIR PROPERTY/CASUALTY CLAIMS SETTLEMENT PRACTICES" PROVIDES THE FOLLOWING PROTECTIONS FOR A RI INSURED:
A) AN INSURER SHALL FULLY DISCLOSE TO ITS INSURED ALL PERTINENT BENEFITS, COVERAGE'S, OR OTHER PROVISIONS OF A POLICY UNDER WHICH A CLAIM HAS BEEN PRESENTED.
B) AN INSURER SHALL REPLY IN WRITING WITHIN TEN (10) DAYS TO ALL WRITTEN COMMUNICATIONS FROM A CLAIMANT WHICH SUGGESTS A RESPONSE IS EXPECTED. (JUST CLOSE BY WRITING-PLEASE RESPOND).
C) NO INSURER SHALL DENY A CLAIM ON THE GROUNDS OF A SPECIFIC POLICY
PROVISION, CONDITION, OR EXCLUSION IN THE POLICY UNLESS REFERENCE TO SUCH PROVISION, CONDITION, OR EXCLUSION IS INCLUDED IN THE DENIAL. THE DENIAL MUST BE IN WRITING.
FOLLOW THE ABOVE PROCEDURE. IF AIC ASSERTS THAT THE ABOVE EXCLUSION IS APPLICABLE, THE COMPANY HAS THE BURDEN TO PROVE THIS EXCLUSIONARY DENIAL. REMEMBER, YOUR POLICY IS A LEGAL CONTRACT AND YOU PROBABLY HAVE COVERAGE FOR "MISCHIEF OR VANDALISM" AS WELL AS "THEFT". CONSIDER A POSSIBLE LAWSUIT FOR FIRST PARTY BAD FAITH INCLUDING A COUNT FOR DEFAMATION. GOOD LUCK!
GARY, THE ABOVE GENERAL COMMENTS ARE APPLICABLE TO TIM DALE (FLOYD LOSS) AS WELL.
I just lost half of everything my wife and I own to hurricane Floyd. After getting run around by about 4 different adjusters/agents I am told that I'm going to get nothing. When I told them other people in the neighborhood were getting paid by their insurance companies I was asked to prove it. The adjuster then added and I Quote "Allstate will not be outdone". So I faxed them a copy of my neighbors claim and check (they were paid on the spot by nationwide), after 4 days I called to see what they thought and my agent wouldn't talk about the fax except to say they received it, then he said my policy didn't cover a failed sump pump. The Prick (Gerald Penrose Allstate, Delaware) never even said he was sorry.
Editors Note: Tim, read the above response to Jorge Feliciano, Most of the advise is similar to your situation. if you have any questions, don't hesitate to contact either firstname.lastname@example.org or email@example.com. Also stay tuned for much more information that may help you.
I just talked to my Lawyer, Allstate still hasn't paid anything on our judgement. He said he received a check last friday totaling the sum of money awarded. However they didn't include the court cost, do you think this is a oversight?
My attorney said there is a house in Mokena, Illinois, that has a 4' X 8' sign in their front yard which says, "If you have Allstate Insurance this could happen to you." The house was gutted by fire and it sits unoccupied.
Lets keep up the pressure. Allstate stock went down 15% in the last two trading days!
Gary, I have something interesting to tell you about . I went to pay my auto insurance premium yesterday to Erie ( reputable insurance company) and I asked my agent if he had seen this site to which he laughed and replied," Allstate business is flooding his office day in and day out because so many people have read comments here and they are scared. He also said that he has visited this site and he already knew of Allstates bad behavior but it is to be expected due to the fact that they are part of Sears. He then told me that Allsuckass stock was losing ground hand over fists and their stock was down 50%. My agent told me that all his associates are not allowed to talk about Allsuckass to customers but at luncheons Allsuckass is the laugh of insurance business. We then talked about what Allstate was thinking about your site and it occurred to us that they cant take a lot more from you. They will have to approach you with an offer to shut you down but we beg of you not to sell out to the scumbags at any cost . Tell them when they call that you will remove this great site of confessions when you cant find a complaint one of them bastards . Last but not least I want to say " YOU GO GIRL."
Editors Note: Roger, have no fear, this site is not for sale. This non-profit site does not even sell advertisements. Like our reply to Mr. Beserker, if Allstate will address all these types of complaints listed on our pages and puts an honest effort toward responding to their policy holders and other claimants, we will gladly consider turning these pages over to them for free. But, I'm sure they will respond that they have the right to screw policyholders because there is consumer fraud out there. My response to that is to not punish the policyholders and press criminal charges against the ones that are committing the fraud. I believe it's not in senior managements nature to be fair. I also believe that they are not so stupid to not know that good consumer relations will increase premium growth. They appear to be just a group of evil people that enjoy screwing people & profiting from it. Have you noticed all the media advertising for Allstate lately. They think that they can buy the media with advertising dollars and maybe they have. (They surely can't believe that all those un-truthful adds will continue to fool policyholders and increase premium growth) So, I'm requesting that all of you please, e-mail The Tom Leykis Show, (A National Radio Talk Show, listed in our Media section) tell him about "Allstate Insurance Sucks.com" and how we need him to have a show on Insurance consumer abuse. They probably won't be able to censor him . By the way, they advertise on his show too. It's possible our web-site got Tom an advertiser. It will be interesting to know the date Allstate started advertising on these talk shows.
I dropped a case against Allstate because of time, effort and money. They wore my lawyer out. She couldn't believe that a simple case, their client t-boning my daughter from his driveway! dragged on and on. They wanted her time cards, measurement of mirrors to ground, and medical history...their client removed his vehicle from the scene, lied, etc. Happened in North Carolina.
Dominick: In response to prior letter about reporting accident timely. There are reasons why policy wording states you should report a claim promptly. This is so that they may do a timely investigation and the evidence is preserved. If this lapse in time has not hindered them defending you then it is not a valid defense to deny your claim. I work for a large insurance company also and studied some insurance law. I agree with the editor about requesting the collection agency to provide you with a copy of a proven judgment against you for this money. That could be considered defamation of character should your credit rating be tarnished.
I am a property damage appraiser for a large insurance company and previously wrote in to this site giving my views various insurance issues. for domenick and people in his situation, the first thing to do is immediately contact the insurance provider you had at the time of the accident. if your premium was paid at the time the loss occurred, they will have to make a record of the claim and investigate it accordingly. they will read or mail you a "reservation of rights" letter that states you may not have coverage for this loss as you did not report the claim to them in a timely fashion, and therefore denied them their right as specified in your policy contract with them of defending the claim. they will need proof of the date of loss from you (a police report is best) as well as the subrogation package you received from the collection agency or other insurance co. they will want a recorded statement from you about why you did not report the loss and what happened in the loss. they will then investigate coverage and liability as best they can and inform you of their findings. it was a major mistake to not report the accident to them immediately. even though you were worried about your rates, they would never have gone up the $2200 you are now being asked to repay on your own. there is a better than 50/50 chance that your insurance carrier at the time of the loss will deny any coverage for the loss because you waited so long to report it. however, it is vital that you report it to them anyway. they may end up providing coverage and helping to defend you against this claim. if they do provide coverage and find you at fault, they will pay the claim even at this late date. if they provide coverage and deny liability, they will advise the other insurance co. and the case will likely be referred to an independent arbitrator to decide. if they deny coverage, you are on your own. an attorney will likely not be able to help if your insurance company denies coverage due to late loss report as it is plainly and clearly spelled out in every insurance policy I have ever read. however, if they deny coverage, an attorney would likely offer very valuable assistance in regards to the other insurance company and the collection agency.. because I work for an insurance co and because I do not want any hassle from any disgruntled people, I cannot provide my name or email, sorry. hope this helps.
I'm just looking for any help I can get. I do not have Allstate insurance but was in an accident with someone who did. It was an old man probably in his 70's who couldn't talk, after mumbling with his hands raised and yelling at me he left the scene of the accident to call the police. I went to my house and called the police myself. It was not clearly any parties fault but the fact that he probably shouldn't even be on the road and couldn't stop his car going 10mph with at least 50ft after he saw me made me wonder. Anyways I had been in a previous accident 2 years before and have a high insurance rate because I was only 16 and it was a brand new car. So I do not report the accident to my insurance company due to the fact that my deductible is a $1000 and it just wasn't worth it to me to risk extending the period I have a bad rating for. (The damage in the accident was minimal to both cars.) The old man called his insurance company (those bastards Allstate) and gave his side of the story, blaming me for the accident. This was in November of 1998. I first heard anything about the accident again near the end of July when I received a letter from a Credit Collection Service saying that I was found at fault and have been delinquent in paying my bill of $2,298.98. Allstate never even contacted me or my insurance. My side of the story was never even taken into consideration. They just took this man's word for it and paid to fix his car and now need someone to pay them back. Even worse I have since changed insurance companies so to contact my old insurance company with this information from before would probably not do any good considering the time that has passed. But I do not feel responsible for paying the money at all. If it wasn't for fear of adding to my debt and lowering my newly established credit rating I would dismiss it. Can they do this? Can they never even contact me or my insurance? Can they just take his word for it? Can they never even bill me and wait 7-8 months before letting me even know and then just expect the money in 10 days? Any help that you can give would be much appreciated. My name is Domenick and my email address is firstname.lastname@example.org
Thank you Domenick
Editors Note: Domenick, I'm not sure what you do in this case. But, the first thing I would do is contact the collection agency and ask for a certified copy of the judgment that Allstate might need to collect this type of debt. It may be necessary to consult with an attorney for a couple of hours just to find out your rights.
"Using delaying tactics in paying your claim"
First let me say that I have since taken my automobile insurance away from Allstate and into the hands of Progressive. Allstate and AutoGlass Plus (another horrible company) were kind enough to take care of a glass claim that I placed last summer (1998). I paid my $50 deductible to the technician and was assured that the claim was all taken care of at this point. Flash forward to 9/20/99: I have a collection notice placed on my credit because Allstate has never paid the $118 claim to Auto Glass Plus. Even after this was all arranged through telephone conversations. My agent, George Matthews, refuses to return my calls. All this over $118? I
I was hit by an Allstate driver. My doctor bills are in excess of $2500. Allstate sent me a check for $750 and said that was all they were going to pay. I wrote a letter to the Texas Board of Insurance who sent it to Allstate, who responded that they did not think the damage done to my vehicle warranted the doctor bills. Guess they are doctors now as well as a sorry insurance company.
I have had automobile insurance with Allstate for a number of years. I have been involved in two accidents within the past two years and had to wait for months for my car to be repaired. Then it was repaired with used parts and my car has never been right since my accidents. I complain but it does no good. Just recently, I was in the need of homeowners insurance, and my agent wrote the policy but after two months it was canceled because I had a pit bull dog. They advertise that this is not a problem as long as the dog is contained in a six foot pen and has no history of biting anyone. I met their requirements, but when I confronted them about their ads they told me that I also had a bad credit rating. My credit report shows amounts that I have paid over the years in excess of $75,000 and never was late. I did have a hospital bill that had not been paid, because they didn't submit it to Medicare in the time allowed. I was prepared to pay cash for my homeowners policy, but either way they have financed my automobile insurance for years and there has been no mention of bad credit. I am thoroughly disgusted with them and their business practices, but I don't know what to do. I do not like being discriminated against just because they believe my dog is a threat. They refuse me homeowners but yet they continue to carry automobile insurance, even though I have had two accidents. It doesn't make sense to me. I am in the process of trying to find someone to write me both policies so I can get rid of Allstate. I thank you.
Editors Note: Bessie, count your blessings. If the policyholders that complained here are any indication of the type of protection you are afforded by a Allstate Homeowners policy, you should probably be happy you were forced to go elsewhere. We usually don't recommend insurance companies, butt...... In all our research lately about insurance company's we have not found one complaint against AAA. Maybe that's because its a membership owned insurance company that's not publicly traded and is only answerable to its policyholder members. AAA has both auto & homeowners policy's.
Is Rich the only Christian that works for Allsuckass that does not have a conscience ?? Does the word hypocrite mean anything to you Rich? What about the word ambiguous? Last but not least how about the word stupid? You put the S in stupid. I don't think you have ever been a Christian or you would have never wrote such nonsense that is about other peoples misfortunes. Most likely you are a maggot that is being tarnished deservingly by this website and you are preying on innocent peoples weakness. Allstate probably wont be looking so damn good to you when your ass is out of a job and prayer wont put food on your table.
Editors Note: Roger, you have to quit holding back your feelings. Tell them how you really feel and you will feel much better.
As an automobile claims adjuster for a large insurance company I would like to voice my opinion. I personally try to do my best everyday to completely satisfy every person I come into contact with whether by telephone or in person. As a Christian I have made a commitment in my life to God not to lie, cheat, steal, bear false witness, etc. and I uphold that commitment everyday. I pray before going to work that I will have a good attitude with everyone I speak with and that I will be able to do my best for everyone. Am I perfect? No. Is Allstate or any other insurance company perfect? Most likely not. Are the majority of people satisfied? From personal experience I would say yes. In reading the letters at this site and others like it, it is easy to see that there are some things that people need to take into consideration. When one buys an insurance policy with any company, they are entering into a contract. Contract has requirements of both parties to do something A contract is specific in what is covered and what is not. How many of us have actually read completely through our insurance policies? Home, auto, health, life? Many of the problems that develop are because we have an idea of what is covered and how everything should work. Many of our states have different laws governing these policies and how they work. In many instances the states and federal government have set new laws to give more consideration to the little guy (us). As for attorneys, some can be helpful and some not. before signing a contract with an attorney I personally would explore what is before me. As a Christian I put my trust in the only one with truly good hands and that is God. Has everything always worked out like I wanted? No. But it has worked out according to the will of God. The majority of people know that God answers prayer so I say to those of you, pray and ask Jesus to help you and accept his counsel. Only He is perfect in every way. Nobody has more authority and power to change things and make right the wrongs done to his people than God Him self. When everything seems hopeless and nothing seems to help or work pray and ask Jesus to help you and He will. I know this sounds like a sermon but sometimes we get focused on the immediate and not the eternal. The peace of God surpasses all understanding. Trust in Him.....
Editors Note: Rich, nice try. You omitted to say that you were never instructed to deny a claim if you could find a technicality, delay a claim to inflict pain on a policy holder so they will succumb to a settlement more favorable to the insurance company or use any other tactic that would lessen or deny a claim that a policy holder thought they were entitled too. As far as the contract goes, the policy holder is not represented by an attorney and he is not aware of which omissions can damage him during the claims process. When two parties enter into a contract and there are ambiguities, the one who writes the contract is the one that looses the dispute, that is compounded when the writer is represented by an attorney and the victim is not. If insurance company's want to use the contract defense, they should have a disclaimer statement at the bottom of the contract by the signature line that says: "Buyer Beware, this is a legal contract that may be written to favor the Insurance Company in the event you have a claim and you may not be getting the protection you think you are buying, get a legal opinion before signing." Read our earlier comments about a consumers counsel.
As for relying on prayer to get a fair deal from an Insurance company there is about as much chance of that happening as praying will stop world hunger tomorrow. I like to quote my mother, she was very religious, but she taught me that "God helps those who help themselves". During world war II, the Jewish people thought prayer would protect them, but it was the Americans that coined the phrase "Praise the Lord and pass the ammunition." I will conclude (and this is specifically for you) by quoting Dr. John Raymond Baker, "To see a wrong and not to expose it, is to become a silent partner to its continuance."
Formal Reply To: Allstate Agent, Donald Shriver
Dear Mr. Shriver:
How sad to read your email. I even believe you believe it. Yes, I am sure there are many fine people at Allstate and it is very tragic that they get caught in the middle of websites like this. Their families are innocent and they don't deserve to be punished.
We didn't deserve what we got, either. Feeding innocent families and respecting innocent workers in no ways justifies your company cheating policy holders. You need to look to your bosses and ask them why they allowed and encouraged such behavior on the part of even a single employee. It is to these people you might direct your complaint.
We paid premiums for years to Allstate, firmly believing that if we suffered a loss, it would be honored.
Who in their wildest imagination would believe that in a tragedy like the huge Northridge earthquake, something that even the most powerful people on earth are helpless to predict or prevent, that one's insurance company would propose that all damage ($60-100,000 worth of structural damage in our case) to one's house occurred at least five minutes prior or five minutes after the quake, but not during or because of it?
Who could believe that one's insurance company would, in such a disaster, suggest that the claim was opportunistic, even bogus, just as if one had torched one's house to collect insurance?
Who would expect the suggestion that a fallen chimney was "old" and therefore had spontaneously collapsed when virtually every other chimney on the block was in the exact same condition after the quake?
Who would expect their insurance company's claims adjustor to show up proclaiming "these old houses just fall down from old age" BEFORE HE HAD EVEN CROSSED THE THRESHOLD or gone under the house to inspect? And, when he was asked to leave because he appeared to have prejudged the situation, who would expect THIRTEEN agents and insurance-company-paid contractors to arrive TOGETHER en masse to replace him, and stand loudly and publicly in the street BEFORE ENTERING discussing how "these old houses just collapse due to age," insinuating the owner was out to rip off Allstate?
Who would expect that one of those agents, when alone with us for a few moments, would eagerly suggest a "strategy" of faking a claim "that would fly" ("Say a heavy object had been hauled over the floor so as to cause the beams under the house to break"); would suggest this because "earthquake claims are unlikely to be honored" regardless of how severe the damage?
Who would expect one's insurance company to just ignore appeals? To ignore inspections by FEMA and the SBA that directly contradicted the insurance company's findings?
Well, Mr. Shriver, I'll bet you wouldn't expect those things...and neither did we.
I'm 62, born in 1937. That's relevant, because when I was growing up, my Dad held his insurance company in reverence second only to FDR and the New Deal! A good insurance company, he taught me, was something you could trust and rely on. I remember numerous times his telling me how important it was to have good insurance and to pay the premiums, even if that meant eating beans, because if the day ever came you needed it, you could COUNT ON your insurance company acting swiftly and honorably to help you survive catastrophe. It was the ultimate safety net and needed to be respected above all else. He put paying insurance premiums for casualty insurance in the same category as paying the mortgage and life insurance and contributing to charity: you did it before you bought clothes or put gas in the car. I'm happy to say that on the few occasions when Dad had a loss (once our furniture was damaged in a Bekins warehouse fire while it was in storage; a couple of times one of his stores - he had a chain of about 50 little dress stores for a number of years - was broken into and some merchandise stolen; and a couple of times when his teenage son - me - wrecked the car) it was taken care of virtually immediately. Dad died in '70 and never saw the day when the smarmy behavior we experienced from Allstate had become so commonplace, nor encountered agents like you who are blind to the greed of their bosses and the plight of the claimants.
No, I don't think Allstate is the only company that does this kind of stuff. I think that today MOST of them do. But Allstate was MY insurance company and the one that hurt ME and MY family (we lost our home because it was judged ultimately unsafe to occupy and we could not afford to fix it AND continue to pay the mortgage), so that's at whom I choose to direct my energies.
I think this kind of behavior has completely permeated the insurance industry in home insurance, car insurance, and most certainly health insurance. At 62, at an age when I probably need it the most, I don't bother to carry health insurance and pay the premiums. As a healthcare provider myself, I've seen hundreds, no, thousands of cases where, when the BIG chips are down, the insurance company bails and makes swift, appropriate care impossible.
My mother had developed cancer in 1969. She was 68. She'd only been hospitalized once in her life and was active and productive. She played golf twice a week and ran her own very successful real estate business. She and my father were a devoted couple; after some difficult early married years, they had matured and discovered that they had, after all, made a wonderful choice in each other - in their fifties they had fallen in love all over again and were inseparable.
My father was devastated by her illness. All the best physicians were consulted. Their ultimate opinion: the cancer could not be halted, but there was a chance that if her right arm and shoulder were amputated, she could have another year of so of life during which she might regain some of her mobility and quality of life. They were comfortable financially, but the costs were such that they could not have afforded the medical treatment even if everything were liquidated. But they had insurance. Good insurance.
They discussed it together hugging and crying, I was later told. I'm glad I wasn't there when they did...I couldn't have handled it. They decided to opt for the surgery. They never even called the insurance company. It wasn't required.
The night before the surgery I visited my Mom at the hospital. She was sitting at the writing desk in her hospital room, practicing writing with her left hand, so, she said, she could "continue to keep Dad's records," as she had for many, many years.
She had the surgery and the long, expensive recovery care it required, and it allowed her to have another year, during which she and my father were able to prepare for her death and able to get a wonderful closure with each other that would have otherwise been impossible. She had almost six months that was relatively pain free and during which she was able to resume her normal life. Without the insurance, it would have been impossible.
Why do I mention this in a letter about earthquake claims? Because I think that avoiding claims, legitimate claims, is a cancer, too, that has infected the entire insurance industry. Insurance companies now try to sell us all that quality of life is measured in dollars. Forgetting that the premiums that are paid belong to the policy holder initially, they are offended that we expect them to cover us when we have a claim.
They have abrogated their responsibility to invest the premiums prudently, and as result suffered a near melt-down in the '80s when their investments in speculative ventures collapsed with the market. They have covered their butts on this debacle by blaming us, the insured, for their shortfalls: we exaggerate claims, we lie about causes, we stage losses to collect. I fully believe that some companies will start denying life insurance claims on the grounds that the deceased failed to do something they should have to prevent their own demise!
I have absolutely no doubt that in today's insurance climate my mother would have been denied the surgery and aftercare on the grounds that it was a pointless expense; that since it could not really stop her death from cancer, it would be wasteful and "medically unnecessary." Note that the term "medically unnecessary" is for all intents and purposes an oxymoron.
Of course she would be forced, while sick and facing certain death, to rally herself to oppose the behemoth insurance company with its unlimited resources, and could expect the appeals process to be draining, degrading, stressful, anxiety-provoking and time-consuming. Knowing my mother, she would make the wise choice and not suffer this final humiliation. And she and my father would not have had that last year that in many ways was the most wonderful of their 43 years together. Thank God that in a kinder, gentler, more honorable time, they were spared that indignity.
You are railing at the wrong people, Mr. Shriver. Your complaint should be with the people who set policy and procedures for Allstate, not the victims they have shouldered aside in the name of profits. I commend your loyalty, but it is misplaced. You are but a tiny cog in a very large wheel that is busy chewing up its policy holders financial health to prevent the shareholders from needing to confront how astonishingly poorly management has shepherded their assets, and to malign the claimants so that its own good employees will fail to notice the outrageous injustices they are manipulated into fronting and defending.
Shame on them. Pity you.
I believe the whole insurance industry needs to be reformed and swept clean. It stinks to high heaven from its own corruption.
Sincerely and with respect, I am
Well folks!!!!! HERE'S ONE FOR THE BOOKS... My sister's car was stolen almost 4 weeks ago, and (SURPRISE) was insured thru ALLSTATE. This would be a good case for world's dumbest thieves. They took her car with her purse and cell phone in it. After they stole the car, they decided to call up some friends on her phone. When she called the next cellular company the next day to tell them the phone was stolen along with her car, they informed her that there were several calls made after the car was stolen. They gave her the phone #'s which she reported to the police and her adjuster. As anyone would ASSUME!!!!!! you would think that they (Allstate) would investigate? WRONG. The adjuster called her the other day and asked her to come into their office to discuss the claim. We had a meeting with the B---h today and guess what??? After almost 4 weeks they have yet to go look at the car (yes it was found the next morning stripped, and I do mean stripped) investigate where the car was taken from or follow up on the cell call made from her phone. Instead, they basically accused her of having the car stolen herself. They have done NOTHING AND I DO MEAN NOTHING, not even as much as to go look at the car. Instead, they want her to provide them with all the documents on how the car was paid for, bank statements, bills, credit cards etc. Not once has anyone ask her anything about the night the car was stolen or interested in where the car was stolen from. Someone please tell me is this standard procedure??? They assume that if your car is stolen that YOU did it.? The number that the thieves called on her cell phone they now claim they know nothing about it and was not aware of it. Funny, it's in the police report. But they haven't bothered to read it, nor does it look like they are interested enough to read it or try to find the person or persons that stole the car and all her personal belongings such as purse, phone billfold, credit cards, check book and cash. She demanded to see her drivers' license, social security card, car title etc. We explained to her that it was all in the car when it was stolen, and that if she would do her job and find the people that stole her car, maybe they could get here things back. This woman (Jody Gilley Houston office) was totally rude, nasty, and completely unprofessional. When my sister could not show her the title, (which WAS in the glove box of the car) she told us that we could finish this in an ATTORNEYS office. If she was trying to intimidate us, it did not work. We will be contacting an Attorney in the morning and file a suite against Allstate and MS. Gilley. I was totally flabbergasted in the behavior of these people. Am I wrong????????
|Editors Note: Tammy, it could have been worse. It could have been your house that burned down. Read what Allstate does then. Thumbs up for you!|
Thank you for opening this site, please keep up this good work. I wrote the complaint last week. those who want to pamper the insurance companies they are wrong. Please keep this site open. Thank you
Editors Note: Don't worry Lal, I'm here for the duration.
Response to Allstate Agent Donald Shriver:
You have a lot of nerve with your statement that Allstate is putting food on your table and that we should consider that we might be taking food off your table. When was the last time You and the rest of the Crooks at Allstate considered the people you've destroyed, who don't even have a table, much less food to put on it, thanks to Allstate? You choose to continue being part of the problem instead of the solution, because, Allstate pays you to do so by paying your bills and putting that food on your table.
Editors Note: Sockittoem Don.
Open Letter Response To: Allstate Agent, Donald Shriver
In response to your question, "Why just pick on ALLSTATE?" I may have at least one response for you. After my experience in potentially losing $2,500 - 3,000 in the lost value of my vehicle that ALLSTATE refused to pay after my accident, I asked my brother what he thought of ALLSTATE. My brother is an independent insurance adjuster and has worked with all companies including State Farm, ALLSTATE, etc. He said that while unethical things happen across the industry, ALLSTATE IS BY FAR THE WORST IN DEALING WITH CLAIMS JUSTLY! This is NOT the opinion of someone who has had one isolated experience, my brother has seen it all and is well qualified to evaluate ALLSTATE's manner of dealing with claims.
When you make your comment that ALLSTATE is putting food on your table, I have just one question for you -- How many food bills do you have that equal $3,000? I'm not trying to devalue your claim to livelihood, I'm just merely trying to put it into perspective when compared to what ALLSTATE has done to other families and other people.
Open Letter Response To:
Allstate Agent, Donald Shriver
I publish pages against wrongdoing's of insurance agencies including State Farm and Allstate.
You may visit my State Farm page at:http://statefarm.business.webjump.com
I believe Mr. Weingardt is providing a valuable service in exposing the alleged wrongdoing, and possibly, alleged criminal activity of Allstate. He provided you a forum to air your views, which was very egalitarian. Please be advised that your comments may be biased in that the company pays your bills.
People devote their lives to lots of organizations or causes that do great harm. The Spanish Inquisition and Third Reich were two examples. To see a wrong and not to expose it, is to become a silent partner to its continuance. The only thing that needs to happen for evil to triumph is for good men to do nothing. At least, Gary and I are trying. You are either part of the solution or part of the problem. Your defense of Allstate reveals which part of the fence you have chosen to reside on.
Dr. John Raymond Baker
Open letter to Donald Shriver
I guess the best way to explain myself is this: I am complaining about ALLSTATE in particular because it is ALLSTATE that has victimized me, not State Farm. It is understandable that ANY insurance company would defend their client. (I am NOT an Allstate client.. I was hit by one) However, Allstate has lied, and victimized me and my passengers. That is uncalled for. If they would have denied liability months ago then by now the whole matter would be cleared up. Good old Donald here uses the defense that the adjustors are just people trying to support their families. That is understandable, but what he fails to mention is that the people who file claims are also PEOPLE.. People, who are in need, people who are afraid, and people who are hurt. These are people's LIVES. I have not been complaining in order to make Allstate accept liability. I completely understand that they have a business to run and I understand that there are a great deal of false claims filed everyday. However, I AM complaining about the lying, the cheating, and the delaying. Because of these delays I may not be able to attend college this year. That is MY life. All I wanted was an answer.. yes or no. If yes, then GREAT! If no, then at least I could pick up the pieces and months ago I would have had time to make ends meet.. but not now. That is what they have done to me. That is why I complain. State Farm did not do it.. Farmer's did not do it.. ALLSTATE did it. So please excuse my bias!!!!
find it extremely interesting that you would pick on just Allstate. Why not other major, direct writers like State Farm?
The, so called, horror stories you depict on your page, are
common through the entire industry. And, they are not horror stories either.
As a 25 year employee of Allstate, I find the material and the
biased opinions you depict, very insulting.
you have managed to do, is criticize the people who have devoted their
lives to the company they work for. By stating your slanted opinions.
You may have seriously hindered he ability of these hard working
individuals to earn a living and support their families and meet their
I have read most of the material you have published.
But, I have read it only because I find your biased, one sided
and incorrect opinions interesting and ludicrous.
time you decide to publish a web page that defames a company and/or
the individuals that are employed by it, consider that you may be
taking the food off their tables.
Editors Note: I took
the liberty to publish your e-mail because you have a right to be
heard too. But,……The
main reason was to show the mentality of those at Allstate who just
don't give a damn. I was
hoping to get an intelligent e-mail from someone at Allstate that
would see the value of these pages and use them to correct these
atrocities. Maybe some of
these victims whose lives have been ruined will contact you.
It will be interesting to hear what they have to say about you.
Maybe after you talk to a few of these victims, you will have
second thoughts. NOT
the way I have received about 500 complaints & e-mails in the last
90 days. There have only
been about eight like yours. Most
Allstate agents that have contacted us are happy to see this site.
One of my favorites was from this Allstate agent.
He wrote: "Go
to www.carolynpenzo.com to
see how Allstate abuses their employee agents.
The agents are on the side of their customers but are told to
butt out. You need to let
the new Allstate agents hear your story.
Us old agents are hanging on to retirement."
anyone want to put the lives of their loved ones in this guys
hands. I'm sure he says: "Trust Me"
OH.... I forgot to respond to your commentary:
"I find it extremely interesting that you would pick on just Allstate."
Well....DUH The site is called "Allstate Insurance Sucks.com" and 99% of the people that visit this site have a common bond. "They have all been screwed by Allstate Insurance Company. That's what this site is about. Do you understand NOW?????
You should work for them. Allstate employees are subject to constant threats and harassment- the corruption permeates the entire company. There are many good employees who are sick about the corruption of those in power. Each day brings new threats. You are either with them, or they are against you. equal opportunity does not exist and racism is normal.
Editors Note: Thank you very much for sharing with us. If you ever want to e-mail us about anything, we will keep your correspondence confidential. We hear from many fine Allstate agents who are caught in the middle. Some help to point the way when we don't know which way to turn.
On Aug. 29 we were involved in an accident where an Allstate insured rear ended us. We had merged into her lane with major clearance between us. The light ahead of us turned yellow, so being the law abiding citizen that I am I started to slow down and stop. Well, 4 days later we got the police report containing what the other driver had stated. She stated she "thought I was just going to go through the yellow light" and when she realized I wasn't she " swerved" but still hit me. The officer clearly stated that she was the one at fault for 2 different reasons, and that the actual impact occurred approx. 10 feet before the intersection. Well Allstate is trying to say that the 10 ft. indicates when I merged! Can he not read or does he just WANT to be stupid??? We called the police department and they even said that the 10 ft thing does indeed mean the point of impact NOT when we merged. If I was only 10ft how could I come to a stop going 40 mph? Because of this accident my previous bulging disc in my lower back, which previously only caused back pain, now causes my legs to go numb and weak and causes lack of sleep. So now instead of choosing whether or not a I WANT surgery to fix it I will HAVE to have surgery. Needless to say, we have contacted a lawyer. P.S. Great site!!! Bring 'em down!!!!
Tina, listen very carefully. Before
you have any surgery get a letter from your doctor stating that the
accident was 100% the cause of you're now having to have your surgical
procedure. Then get Allstate
to approve the surgery before you have it.
If they delay in allowing your needed surgery it may help you in
the future if you need to go to court.
If they don't approve the surgery, you can bet that they will claim
that you had pre-existing conditions and you may be stuck with 60 to 80%
of the medical bill. Work
very close with your attorney and try to understand everything that is
happening to you. Read all these complaints and the ones on the other sites.
Allstate uses, (what we call in the gaming industry) the same moves
over and over. If you think
you are being deceived, you probably are.
Be careful they don't use the insurance code against you.
Nominating JOSE MESA (1-800-497-7940) from Tualatin Oregon claims office for worst adjuster honors and for just being a dickhead in general. "Mr." Mesa was rude, belligerent, uncooperative, cocky, smart-assed and totally unprofessional. Interestingly enough, I found out that a distant friend of mine worked with/for Mesa. She agreed that he has a reputation for being 'difficult' (her words, not mine!). A phone call to the Oregon Insurance Commissioner's office brought a knowing response to the sound of Mesa's name. They knew him all too well!
Allstate's insured rear-ended my wife's vehicle. Allstate paid for repairs but would not pay for a rental vehicle. Wife sustained soft tissue injury to right elbow and shoulder (had hand on stick-shift with elbow locked when hit by other vehicle) verified by several doctors. We sued for $30k. First lawyer botched our case. Second lawyer finally managed to wheedle $3500 out of Allstate. This process took FOUR YEARS!!! Based on the comments on your website, I count us lucky for getting what we did out of this slime-bag company. I have taken every opportunity possible to dissuade people from doing business with Allstate. They truly do SUCK!!!
As an aside to my story, during the four year
process of litigating with Allstate, a new Allstate agent set up shop in
our neighborhood and began mass mailings.
Receiving gratuitous junk advertising in the mail during this
time was very upsetting to my wife.
In an effort to calm her down, I called this new agent's office
and kindly asked to be removed from any further mailings.
Of course, their people didn't think it was possible to remove
our name from their list, and so the mailings continued.
My phone calls continued as well.
What finally stopped the junk mail was an after hours message I
left in the agent's personal voicemail stating that if just one more
piece of junk arrived from him I would personally march into his office
and return it to sender where the sun don't shine'.
It seems to me that this is the most arrogant, thick skulled, pompous organization on the planet. I hope they rot in hell.
I was the middle car of a three-car collision on I-215 in Salt Lake City and had the unfortunate luck of being hit by someone insured by Allstate. Since mine and the other car were at a complete stand still (due to traffic backing up), there was no contest in determining the guilty party. HOWEVER, once I began to work with Allstate things took a different turn.
The Allstate assessor called me to give me a break down of the damage based on his assessment. In addition to several things I felt were overlooked, he mentioned that the vehicle had frame damage but that it was “reparable.” I became very concerned about this since I knew that having frame damage could greatly diminish the value of your car. I contacted several used car dealerships and even two auto auction companies. All of them basically said the same thing – “As a result of frame damage, your car would loose at least 25 – 50% of its resale value, EVEN IF IT WAS REPAIRED CORRECTLY.” My car’s blue book value is about $6,000 and now has $3,800 in damage (as assessed by Allstate). The combined cost of the repairs and diminished resale value more than make up for 80% of the total car value, which is the criterion for totaling a car.
I then called the Allstate agent back and asked what Allstate would do to compensate me for the diminished value of the car. He stated that Allstate would only deal with diminishing value if, at some future date, I decided to sell my car and could show “substantial proof” that I could not get the full resale value. I told the agent that if the car had frame damage, I didn’t want it and would want to sell it anyway. Since I already had the word of several used car dealers that the diminished value was certain, what was the sense of having my car repaired? The agent then became upset and threatened to take away my rental car if I did not have the car into a body shop for repairs by the next day! That following day I called and talked to his supervisor. When I asked if at least they would put it in writing that they were willing to compensate me for the resale value of the car at the time of sale, she came back and said that they would not put anything in writing. She further informed me that the colleague she had spoken with “had over 15 years of experience in the industry and had never seen a car that was able to get any compensation for diminished resale value, even with worse damage than mine.” In other words – “Give it up on the resale value clause, because it just won’t happen.” She again insisted that I get my car to a repair shop ASAP or risk loosing my rental car.
At this point I contacted the Utah State Insurance Division and they stated that probably my best chance is to take the driver to Small Claims Court. I am in the process of getting the car dealers statements in writing before filing a claim and then I will see what happens. If anyone has had a similar experience with Allstate in dealing with diminished resale value, I would be very interested to find out what happened. You can contact me at email@example.com.
Editors Note: David, it seems you have a perfect claim of what is referred to as diminished value. Their is a class action lawsuit against Allstate Insurance Company right now for diminished value. The lawyer handling that case is Jonathan Shub. Jonathan seems very easy to talk too. Call him & see if you can join the Class-Action Lawsuit. Then, please tell us what happens.
Thanks for sharing your story with us. Be careful, Allstate would like enough time to pass to let the statue of limitations run out on you. Then they will tell you that you waited too long to file your claim. They may soon start moving you around from adjuster to adjuster. I would recommend that you document every conversation with them with a follow up certified letter to whomever you spoke with outlining your exact conversation. Start dealing with this situation like it is already a lawsuit, because it seems that's where Allstate will force you to go. That's why they wouldn't put anything in writing. They want you to trust them and believe their television commercials. Remember, if you write your insurance commissioner again, demand that Allstate Insurance Company gets their Insurance license Revoked.
Allstate goes by the "Barnum & Bailey Rule". To quote P.T. Barnum: "There's a sucker born every minute!"
I just received a letter from Allstate that they will not renew my Homeowners Deluxe policy as of October 21, 1999. I have this policy with them since 1993. Prior to Allstate I had an excellent homeowners policy with Aetna for over 16 years. Then came along my Allstate agent and convinced me that I am underinsured and that I need twice the amount of insurance I had before. He proposed to me his Allstate Homeowners Deluxe policy that covers almost everything. The rates were reasonable and finally I was convinced to switch my homeowners insurance to Allstate.
I have never had any claims on my homeowners policies for over 19 years. Unfortunately, from January 1996 to March of 1998, I had four minor claims for which I was reimbursed a total of $8,536. All of these claims were for damages I had no control over and were positively within the limits of my policy coverage. I think I have been victimized by Allstate. First, they promote their Homeowners Deluxe policy that is more expensive but covers almost everything. Then, once I had a few claims, they cancelled my policy. I will now have to pay higher premiums to some other company for less the insurance because all major insurance companies share their claim information in their Clue report. Why did I pay these high premiums all these years for? Was it charity? Did Allstate mention in any of their policy brochures how many claims I am allowed to have in a given period? This is morally wrong and I think should be legally disallowed. Think of health insurance companies if they would be allowed to cancel your coverage if you get sick and have too many claims. When I called my agent to rectify this situation he told me that he couldn't, especially since I have no other insurance with Allstate.
I challenge any Allstate official that reads this to contact me at my email address and correct this situation ASAP. I am prepared to take this matter up with all regulatory agencies if need be. I am also prepared to get an attorney to get compensated through the courts for triple damages and some liability claim in connection with my last claim, which was handled in a very sneaky way. This will be shared with you if Allstate does not correct this situation ASAP.
P.S. I tried to contact my agent again today and my call was diverted to an other Allstate office. I was told that Allstate closed down the office where my agent worked and my agent is not working anymore for Allstate. All policies have been assigned to another office. I am really in good hands now.
Any suggestions in this matter will be appreciated.
Editors Note: First of all, I think its against the insurance code for a agent to suggest that you cancel your existing policy to buy one from him. If your attorney suggests a lawsuit consider naming the agent along with the insurance company. Contact the "New York Insurance Department" they have a decent consumers section. Then read how to file a complaint. If you file a complaint be sure that you demand that Allstate has their license Revoked. (Drive by the old agents office & see if he is there. Don't take Allstate's word for anything). They passed me to three different adjusters, the first was in Las Vegas, the second was in Reno and the last one was out of state.
If you are going to try to sue Allstate you need an attorney that specializes in insurance litigation. If you don't have a specialist, Allstate will eat your lunch. Have your attorney call Robert E. Richardson or a attorney that has similar credentials and see if they will consult. Make sure you approve of the resume of the consultant that you use.
Fighting an Insurance company is like trying to fight the Internal Revenue Service. Its not about justice, its about the insurance code and they have stacked the deck. (They write the code) They know which attorneys they can beat before they go to trial. You need an attorney that knows where the skeletons in the closet are and knows the code blindfolded.
Allstate has been spending tons of $$$ on TV & radio advertising lately. (All these anti-Allstate sites must be working). We must get our message out. We've listed a couple of ways on our "Media Contacts" page and our T-Shirts page. If you write enough letters, wear enough T-Shirts & hang enough signs, they may want to just get rid of you and settle. The squeaky wheel gets the grease. Good Luck -- Keep us informed.
Friday, September 03, 1999
I last wrote to explain that I was going to court, the first week of September, against Allstate, regarding an auto accident which happened on Dec. 15,1997. In brief my wife was involved in an accident with someone who was insured with Allstate, This person turned left in front of my wife, the accident caused >$11,000 in damages. I told Allstate all I wanted was for them to fix my car and pay for the rental car plus minor medical bills. I didn’t think that was too much to ask! This Person whom hit my wife was 82 years old it was dusk there were two eyewitnesses, and the police officer cited this elderly woman for improper left turn. (This lady surrendered her operator license immediately after this accident.) Allstate led me to believe they will respond to my request, they send an appraiser to the body shop within days mailed me the appraisal within one week of the accident at that time I assumed the car was being repaired. Two weeks later on January 7,1998 I received a call from the body shop, he told me he is still waiting for the approval to start the repairs, I called Allstate and they said they are still investigating to determine whom is at fault, forget the age of their client, forget the two eyewitnesses, forget the citation, none of this matters. It is all smoke and mirrors! The bottom line is two weeks later they (Allstate) informed my insurance carrier they are holding my wife responsible for 20% of the damages. Their reasoning is my wife should have done more to avoid hitting their client. Well I was forced to have my insurance carrier pay for the repairs. The repairs started on January 29,1998. And I received our repaired auto on March 24,1998. This accident caused me to have to pay my deductible of $500. Plus the rental car charges of $2908.00 for the entire 98 days this took. That is what this court case is all about. In court the deck is stacked 1000% against the plaintiff and in favor of the insurance carriers. When we arrived in court Allstate presented this now 84 year old elderly woman for the jurors to see and have sympathy on. Let me first explain, in Illinois we cannot make any mention of insurance carriers, for all this jury knew was I was attempting to sue this elderly woman. This attorney was not working for Allstate she was working for this elderly defendant. This woman’s attorney attacked me and said it was my fault the car repairs were not started right away and that I should have given the repair shop authorization to commence repairs on my own. All I could say that I had to wait to the Funds to become available before I was willing go commit to these repairs. Remember NOT any mention of insurance carriers or of their delay tactics. Allstate could bring up the spending habits of me and my wife, as if we had deep pockets and we should have paid for the rental car on our own. Well conclude this lengthy posting the end result was the jury offered us $1300 for the rental car and $380 for medical bills plus $1200 for pain and suffering. What we wanted was $2908 for rental charges $380 for medical bills and enough money for pain and suffering to pay the attorney fee of 30%. WE GOT SCREWED!! The court system is not there to present the truth. Instead it is their to cover up the truth and allow the jurors to come to a decision without knowing all of the facts. I only wonder how much the insurance industry has paid, in pact money (BRIBES), to get the laws passed to cover up the truth!!!
YES, I HAVE CLAIMED MY CAR WITH ALLSTATE DUE TO WATER DAMAGE.. AND THEY DECIDED TO TOTAL THE CAR. AND NOW THEY ARE PAYING ME ONLY HALF OF WHAT THE CAR IS WORTH IN THE REAL MARKET. I DON'T KNOW WHAT TO DO.. ANYONE LIKE TO HELP ON THIS MATTER
Editors Note: Paresh, There is a current Class-Action suit against Allstate Insurance about diminished value that appears to be what is happening to you. The law firm handling that suit is Sheller, Ludwig & Badey, P.C. and the attorney handling the case is Jonathan Shub. Let us know what happens.
Approximately 4 years ago my husband and I made a claim on our auto policy. A policy we carried for 14 years with the SAME AGENT. When I contacted my agent's office (the accident was on a Saturday and I called her on Monday a.m.) I was advised that we had no coverage due to the fact that we were 1 month behind on our premium payments. Ironically, we had dropped off a payment in her office on the Friday before the accident. She went on to state that we had not a made a payment for July of that year and she could not keep carrying our account on a late basis and therefore was returning our premium check to us, which we received from her office late that week, having already been endorsed and metered on the day of my accident. My husband and I searched our records. We located a receipt from her agency for our July payment which had been made in CASH. I contacted the adjuster handling this matter and she advised that this should straighten the whole matter out (this payment never showed up on our billing history until after we produced the receipt). Ultimately, our claim was denied due to the fact that we were short on our payment by $12.00 - which was a late payment fee. We subsequently filed suit against Allstate and Allstate was granted summary judgment in that our payment was not for the full amount. We then appealed to the SC Court of Appeals and they in turn upheld the lower court's ruling. After that we appealed to the Fourth Circuit and, they too, confirmed the previous. Our attorney was astounded it turned out this way.
We have been sued by the other driver's insurance carrier and have arbitration pending in circuit court where we stand to pay out a considerable amount of money, have a temporary loss of driving privileges, purchasing high risk auto insurance for several years (at a huge expense) on top of having already paid out $5,000 to have our vehicle repaired.
We had obviously placed a good deal of trust in our agent. 14 years with the same agent (who is also the owner of the agency) says much for the relationship I believed that we had with her. She had answered many questions over the years and had helped us out. The only reason our homeowner's insurance was not with her was that we had been unable to reach her, but still placed it with Allstate. I can't help but believe that the problem may have begun with diverting of funds in her office by someone.
I would appreciate any information available of where to turn to next.
I was amazed to find a site like this, we had always felt so alone.
Editors Note: This complaint will generate a new category for our website, "Allstate Insurance Lowlife Of The Month". Can you please send us the name, address & phone number of this lowlife agent? Have you filed a complaint with the South Carolina Department of Insurance? It may not be to late for them to help you. You can file a complaint on-line from their Consumer Services section. Write a detailed letter to the editor of your local newspaper and be sure to include the name & address of the Allstate Insurance Agent that screwed you. It will cost a little money, but you can picket the agent's office with "Allstate Insurance Sucks.com" placards (call your local TV news program and give them the reason you are picketing for the 6:00 news). Have your family & friends wear "Allstate Insurance Sucks.com" T-Shirts. Have your attorney call Robert E. Richardson, he is a insurance specialist and may be able to tell you if Allstate violated any insurance regulations. The only thing left for you to do may be to just get the message out.
Are you going to continue to trust Allstate with your homeowners policy? One more comment. In all our research lately about insurance company's we have not found one complaint against AAA. Maybe that's because its a membership owned insurance company that's not publicly traded and is only answerable to its policyholder members..