Allstate, Farm Bureau - Any thoughts?

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PostPosted: Wed Mar 17, 2010 1:34 am   Post subject:   

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My bills were over 10 times what her coverage was and growing and they still would not have said anything




Anytime I see a comment like the one above, I always question....would your medical bills change if you knew the other driver had less coverage. Your treatment should be what you need...no more and no less.


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PostPosted: Fri Sep 17, 2010 6:20 pm   Post subject:   

I want to switch my home and auto insurance from statefarm to allstate i havent had a claim for ten years with state farm but i think i pay too much ,should i switch or not help please.


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anonymous3
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PostPosted: Fri Sep 17, 2010 8:06 pm   Post subject:   

Quote:
should i switch or not help please.
Should I go left or right? With no factors involved, it's not possible to offer an answer worth anything.
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PostPosted: Sat Nov 09, 2013 3:11 am   Post subject: allstate  

Allstate is good, but not necessarily cheap. However, keep in mind that if you find an honest and hard working independent agent like I did (after leaving the first agent in the dust because he didn't really look around for the best coverage for the money for me)... it should be considered seriously.



Did you know Encompass is Allstate but Allstate agents can't sell it? It's a great policy and reasonable, in my opinion. Allstate agents can't sell it. It was developed so Allstate could get in on the 'independent' market.


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cmc
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PostPosted: Mon Nov 11, 2013 10:25 pm   Post subject:   

Something to consider when changing insurance companies is how well or how bad they treat you when you have a claim. Do they make you jump through hoops and go on the three estimate goose chase or do they insist you use one of their preferred shops?



A lot of these online non agent lower priced insurers offer lower rates because they attempt to pay less when you have a claim based on my experience as a repairer and collision business owner. The business of insurance is selling insurance and setting rates where as it is not telling you how much your vehicle repair will be. They often state in legal precedings that they only pay for losses and it is the shop that is the repair expert. So why do they interefere with the process if this is so? When insurers get involved with claims settlements, it is to settle on the least amount a claimant might take regardless of the actual cost of repairs based on an invoice presented by you as proof of loss from an expert.



Even agents have been successfully neutered as they have little say in the claims process other than giving you an 800 number to call. The best bet would be to educate yourselves about what is covered on a loss and what coverages you are selecting and understanding what is owed to you in the event of a loss and who may repair your vehicle. Don't judge the value of your coverage based on the price unless you are looking for minimum liability coverage. Find a shop that will advocate for you the vehicle owner and not defer to the desires of the insurer who is indemnifying the policyholder or paying a damaged party a sufficient amount to be placed in the position they held prior to the loss.



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