A Affordable Insurance Agency Not Giving the Facts Brockton, Massachusetts

I had gone in duringOctober 2010to get a new insurance policy. I had signed all the paperwork, reviewed all of the information with the representative, inspected my car and was on my way. Unfortunately for me there was an issue with my mail, the first bill never got paid and insurance was cancelled, leaving me out $300 for the down payment. My fault, I should have realized it sooner that I hadn't paid. So in December 2010 I go back in. Same procedure, paperwork, reviewing information and signing documents to get insurance, paying another $300 down payment, but I need it. I needed full coverage because I have a bank loan on my car.

So just yesterday, 2/1/11, I get in an accident due to the snow and slam my front end into a pole. My car gets towed because it was not able to be driven, and I get home and immediately call my insurance company. While on the phone I ask about my rental so that I have something to get to work. They told me I had no rental on my policy. I was not expecting that. When I had spoke to the agent at A Affordable I asked them before I signed, I have FULL coverage on everything and i wont have any problems if I have an accident. They said no. Not once in the two visits and the two times I asked them did they say a word that rental was extra. They had me sign the paperwork saying I am signing for coverage, liability, etc etc. So I signed as they were going over every detail. There was a section in there about towing, which they said I didnt need because I had signed up for their towing package, similar to a AAA package, so I declined. I was unaware that this was also declining rental, which their package didnt have.

I understand I am at liability for signing without completely reading the whole document. I admit, that is my fault. But what upsets me is the fact that they are having people decline these certain things without telling them all of the facts so that they can make the commission on selling these separate packages. Now I am without my vehicle and paying out of pocket for a rental so that I dont lose my job due to insufficient transportation. And, to top it off, the manager of this branch was extremely rude to me, telling me that all of her employees disclose this information every single time they open a policy and that it was my fault for not listening. It was my fault for not reading, but I paid close attention to every word I was told, and not once in any of my visits to this location did they mention that this was an extra charge. Ive always had this standard in my full coverage.

So I would like to let anyone know who is planning to go to A Affordable to disregard what the employees are saying. Do not make the same mistake I did. Do not sign up for their separate towing package. Get AAA or something and read every last detail you can to aviod getting yourself in the financial predicament I now face. You will not get anywhere addressing issues with the location manager so avoid issues from the start. Lesson learned for me