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It's home owners but the answers may be the same. Our agent gave us discounts we were not entitled to and now they are taking them back and plan to bill us. Our agent is no longer with Allstate here 2 months after we paid for the premium in full. There were other discounts that have gone up. The down is $26.94 and the increased discounts are $24.11. Would the two offset each other = owed $2.83?
If we cancel the policy do we get a full refund for the unused 10 months and get a refund so we can try another agency?
We have tried to use their website and also to call two different numbers and the automated system ask us questions trying to find out where to send the call. That process fails as the answers we give are not accepted or there is no question asking us if we wish to speak to a representative.
Thanks.
Find another local agent who works with Allstate and ask them for help reaching a real life person. Check Allstate's website again. You are a policy holder. Go through the motions and create a user account. That should provides access to more help options. There must be a way to email questions about your policy and/or request a call back. If you do cancel your policy it would make sense to disable your user account at the same time.
Last edited by Parnassia; 04-01-2022 at 04:04 PM..
If we cancel the policy do we get a full refund for the unused 10 months and get a refund so we can try another agency?
The insurance industry has two ways of computing a refund when an insured requests cancellation: Pro-rata and Short-Rate.
Pro-rata means you get the unearned premium from the date of cancellation.
Short-Rate means that the company charges a penalty. Usually about 10% deducted from the refund.
I believe that a penalty would have to be written into the policy. I looked through my sample Allstate auto policy and found no such provision so it's likely to be prorated.
I suggest you read your own policy. My experience with Allstate is that some of its people are not exactly trustworthy and you won't get much help from customer service either.
I believe that a penalty would have to be written into the policy. I looked through my sample Allstate auto policy and found no such provision so it's likely to be prorated.
I suggest youMy experience with Allstate is that some of its people are not exactly trustworthy and you won't get much help from customer service either.
I'm being billed for a bogus discount that was taken away after fraudulently being applied to my policy. The agent no longer works for Allstate here 2 months after the policy was written. Who knows they may have been fired. They knew point blank I had auto insurance with another company. Clear intent on their part to lower my premium.
If I fail to pay the amount due by the due date of April 27, can they cancel my policy without informing me of their intent to do so?
I'm sending corporate a letter asking for the amount to be waved due to the actions of their agent or apply the increased discounts to offset the amount they say is due to the removal of the multi policy discount.
If you get cancelled for non-payment your state insurance law requires that you be given written notice of non-pay cancellation. The amount of time varies by state so check your policy booklet for the cancellation provisions.
I had a similar situation with a homeowners quote. I emailed my renewal dec page to the agent and asked for a quote on the same coverage. The quote was less than the renewal with my insurance company. I ordered the policy but when I was provided with an application to sign, I found that she had lowered the amount of insurance on my house and lowered my liability limit to get the lower premium. I emailed her that I wasn't buying the policy and never got a reply.
I wrote to:
Elizabeth Brady
Exec VP
The Allstate Corporation
2775 Sanders Rd
Northbrook, IL 60062-6127
Naturally, the letter got fobbed off on a flunky named Laura, a member of the "Executive Team" who, of course, backed up the agent and denied any wrongdoing.
If you get cancelled for non-payment your state insurance law requires that you be given written notice of non-pay cancellation. The amount of time varies by state so check your policy booklet for the cancellation provisions.
I had a similar situation with a homeowners quote. I emailed my renewal dec page to the agent and asked for a quote on the same coverage. The quote was less than the renewal with my insurance company. I ordered the policy but when I was provided with an application to sign, I found that she had lowered the amount of insurance on my house and lowered my liability limit to get the lower premium. I emailed her that I wasn't buying the policy and never got a reply.
I wrote to:
Elizabeth Brady
Exec VP
The Allstate Corporation
2775 Sanders Rd
Northbrook, IL 60062-6127
Naturally, the letter got fobbed off on a flunky named Laura, a member of the "Executive Team" who, of course, backed up the agent and denied any wrongdoing.
This happened last June so I don't know if those email addresses are still good. Try them and see if it saves you some snail mail time.
I also filed a complaint with my state insurance department. Got nowhere with that.
So you got no help from anyone?
I expect to hear something in a week or so likely by phone or email. The reason I'm having to write them is their help center is of little help. I tried that and kept getting the same email to follow the same procedure. I asked them to stop sending the notices and they did not. I replied the last time saying we may go elsewhere. That also got the same email from them and try to call them on their 800 number and you will reach a human voice that will ask you a series questions that are not accepted. We gave up and will visit an independent agent tomorrow to explore options.
As far as not being helped, years ago on car insurance we wanted the minimum limits. We were told the agents must sell you the lowest required limits of liability if you ask for it. As I went from agency to agency I found that not to be the case. I then decided to take a tape recorder to a State Farm office. They said the lowest limits they could write were, I think, 100-50-100 when the mandatory requirement was maybe 25-15-25. I contacted the state department of insurance and one of their agents drove 85 miles to get the tape recording. We met at a Burger King and they thanked me for the tape. The next I heard the people higher up said the tape was not legible and could not be used = dead end. BS the tape was as clear as a whistle with the agent telling me the lowest limits they could offer were so and so. That agent continued to violate state law by failing to sell the lowest required limits to those who wanted it. Essentially they wanted more $$ per policy via the higher limits.
No. I just backed away from Allstate and won't ever go back.
Quote:
We gave up and will visit an independent agent tomorrow to explore options.
Good idea.
But you might check out Progressive online, just for comparison.
Quote:
We were told the agents must sell you the lowest required limits of liability if you ask for it. That agent continued to violate state law by failing to sell the lowest required limits to those who wanted it.
What state? What statute number? I don't think that's true but I'll be happy to check it out for you.
The insurance industry has two ways of computing a refund when an insured requests cancellation: Pro-rata and Short-Rate.
Pro-rata means you get the unearned premium from the date of cancellation.
Short-Rate means that the company charges a penalty. Usually about 10% deducted from the refund.
I believe that a penalty would have to be written into the policy. I looked through my sample Allstate auto policy and found no such provision so it's likely to be prorated.
I suggest you read your own policy. My experience with Allstate is that some of its people are not exactly trustworthy and you won't get much help from customer service either.
Quote:
Originally Posted by adjusterjack
If you get cancelled for non-payment your state insurance law requires that you be given written notice of non-pay cancellation. The amount of time varies by state so check your policy booklet for the cancellation provisions.
Here is the cancellation language in the policy. They wanted to raise the premium back on March 31. I sent them a letter and said the discount error was the fault of the agent who, interestingly, no longer works there.
I see nothing about pro-rata unless it's hidden on another page of the 22 page document.
Second paragraph from the bottom. Third sentence.
How did you miss that?
Ha when I saw the 10 day notice requirement I missed the rest since clearly they can not cancel without notice. I wrote them and we'll see if:
a. they wave the premium increase due to a discount I did not qualify for as the agent pulled all strings on premium cost.
b. they apply the five discounts that increased so it offsets the discount lost.
c. they do nothing and we consider other options.
Allstate Insurance Company
2775 Sanders Road
Northbrook, IL 60062
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BS the tape was as clear as a whistle with the agent telling me the lowest limits they could offer were so and so. That agent continued to violate state law by failing to sell the lowest required limits to those who wanted it. Essentially they wanted more $$ per policy via the higher limits.
