Report: ALLSTATE INSURANCE CO
Category: Car Insurance
ALLSTATE INSURANCE CO ripoff thieves Elmont,New York
*UPDATE Ex-Employee responds ..Advice
ALLSTATE INSURANCE CO
Fax:
ELMONT, New York, 11003
U.S.A.
Submitted: 5/1/2002 3:38:16 PM
Modified: 12/10/2002 2:13:56 AM
Marvin
rockaway park, nyThe ripoff thevies at allstate cancelled my home owners policy because they said I had three claims in five years but I think the real reason they cancelled it is because I live near the water.
Now I have no insurance at all and nobody is writing policys out here. As far as I am concerned they are discriminating against peole in rockaway they should have told me when I took out the policy 18 years ago that we shouldn't put in small claims.
All the claims we put in amounted to 1.622.28this is a disgrace that they can get away with this
marvin
rockaway park, New York
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Updates & Rebuttals:
- Suggestion Adam [8/8/2002 5:55:41 PM]
- Advice Brandy [12/9/2002 8:42:27 PM]
Suggestion
I would suggest contacting the New York State Department of Insurance. Usually you can obtain insurance through the state for flood zones or other risk prone areas. This works for auto insurance as well.
Good Luck
Advice
Insurance is designed to cover losses that are of a large and catastrophic nature. I can assure you that 3 losses in 5 years, regardless of the amount paid by Allstate Claims, is a bit frequent. If they had never paid you a dime, I bet you still would have been cancelled. Why? Frequency of loss. Consider that on top of what they pay in actual damages there is an Adjuster and Claim Staff that put time in to investigate and settle claims.
Allstate has Underwriting guidlines that are uniform to all in a given region. All Insurance Companies do. If you feel you've been discriminated against because your property is near water then ask to see their Underwriting Guidelines. You might also find that they continued to honor your policy even if they were not writing any new business in your area because of the proximity of property to water because you already had a policy before that time.
From a Consumer standpoint-some practical advice: get a damage estimate, consider your deductible, and decide if the repair (even if it's covered by your policy) is worth submitting as a claim. Insurance is NOT a substitute for your bank account and should really only be used if the loss is large and expensive. Also consider grouping your insurance with 1 carrrier to give you leverage in situations like this. Hope this helps.
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