Allstate Insurance Did not renew auto policy ripoff Clermont Florida

We are missing some very important information here. It is the amount of time between the first accident and the last accident. That was left out.

Also, as Juliet mentioned credit scores are now being more widely used in underwriting insurance and the criteria has gotten tighter.

Also, are there speeding tickets out there in addition to these accidents?

I'm curious about your homeowners insurance being in FL. Allstate is dropping thousands of customers here just due to the age of home and type of construction. You should be waiting on that letter too, as I'm sure it will follow.

If the four accidents were all in a recent period of time, say the last four years or less, that possibly would make an insurance company not real inclined to renew a policy.

Without knowing when the accidents occurred it's hard to say if the customer has a stellar record or not.

Then, too, in the last twenty years, insurance companies have radically changed the criteria on which they assess a risk. With them now using credit reports to gauge an insured's level of risk to the company, that could be another reason for non-renewal. Whether a person's credit report is a truly accurate measure of insurance-risk, I don't know. I just know that's what the insurance companies do NOW, that they didn't do 20 years ago.

I'm certain the insurance industry does have the attitude of 'what have you done for me lately', so to speak, as far as while a person may have had excellent credit for 15 years, but in the last five years, or four years, or whatever length the insurance company chooses, the customer's credit score has declined, well - they don't care why, they just care what it is.

I am NOT saying this is why this particular customer was cancelled, that they had 4 accidents in a period of a few years combined with a sinking credit score - but I am positive there ARE customers out there in exactly that position that the insurance companies do cut off without a 2nd thought of extensive customer loyalty.

I don't think that 4 incidents in over 20 years qualifies as a "less than stellar" driving record. This is especially true if only 2 of them were his fault.

Allstate's advertisements claim that they will always take good care of their customers, but I guess that only applies if it doesn't cost them any money.

They didn't like your less than stellar driving record and chose not to renew you. Seems to me that it's their right to determine who they want for clients. I'm sensing a feeling of entitlement here on your point that I think is unfounded.

JMHO