I have been a loyal and paying member of esurance's auto policy coverage (the most basic, which covers only injuries to other parties in the event of accident). However, recently I was alerted by them that my rates would increase for no good reason by %150, from $100/mo to $150/mo. The reason cited was that "Michigan law had changed". I now needed to prove that my Blue Cross/Blue Shield insurance would cover me in the event of an accident. Why? Why would I need such proof? Whether I had health insurance or not, esurance would not be billing me for health costs because THEY ARE AN AUTO INSURANCE COMPANY. The only conceivable payment from esurance to anyone would be from them to whomosever I had the misfortune of injuring in an auto accident.
I can't get through to Blue Cross via phone since i work during the day in order to acquire the proof. If I cancel the insurance, I am breaking the law. They are in essence extorting money from me under the pretext of law. It's wrong, and unfair, and it's my God-given right to complain and to alert others to their duplicity.
What esurance wrote me via email was: Unfortunately, a copy of your insurance card is required in addition to the letter from your health insurance company carrier on company letter head containing: name of each insured, participant & group # coverage dates, confirmation of coverage for injuries resulting from auto accident."
It's wrong. It needs to be shown how esurance lacks fidelity and honesty.