Posted on 09/05/2008 4:54:21 AM PDT by MrPiper
Allstate, State Farm, Liberty Mutual and more. This is the biggest scam in America today in my opinion.
10 Worst Insurance companies.
Ok, so which are the ten BEST insurance companies in America?
Your mileage will vary. Sometimes a company might be fine for auto but not fine for home. Or, they might be fine for home and lousy for liability.
In any event, when Liberty tried to raise my homeowners’ insurance 40% in one year (they based it on “rebuilding” cost in a neighborhood where it would make no sense to put a Marvin Gardens house on a Vermont Ave. property), I switched to Farmers. Almost immediately after a freak storm knocked down a tree that pulled down a power line that ripped out my meter box and a lot of other stuff. I felt bad for them, as I had JUST signed on with them. Liberty got off scot-free!
Then, when we built a new house, we had a major theft during construction. Farmers dealt with me quickly and fairly. The biggest hold up was the cabinet company, that doesn’t want to reveal the prices of their cabinets to anybody, even insurance companies. Farmers agreed to just go with a local dealer of said cabinets instead. They also reimbursed full cost of my Canadian (3.5 gal flush toilets).
After their swift and fair performance, it would take a lot for me to switch. I threw my auto in with them for the discount, but have not had to use it, so I cannot comment on that.
My advice to y9ou is ask the people around you what their experiences are. Some of this may be due to the quality of the local office.
After a major disaster, the government allows them to skate — they get out of having to pay full benefits to policy holders -- because it would be too big of a burden --- on the insurance company.
Auto insurance ‘uninsured’ and ‘under-insured’ coverage. That is ME subsidizing the car/person(s) who did damage to MY vehicle. I can't even get a renewed driver's license or annual auto tag without proof of insurance. So how/why does an ‘uninsured’ or ‘under-insured’ get away without having to carry comparable insurance?
Try Farm Bureau. You don’t have to be a farmer to be insured by them. They are very responsive and settle claims really fast. Five years ago when hurricane Isabel went through central Virginia, I didn’t even have to call them. They were at my door the day after the storm hit and spent two hours going over the damage to my property. When they left I had a check in my hand that more than covered the identified repairs, and when I called them about some hidden damage they covered that as well with no problems. They even replaced all of the refrigerated and frozen food we lost due to being without power for ten days. Their rates are very competitive and I have more coverage on my house and autos than with my previous company (Allstate) for the same price. In fact, both Allstate and State Farm came out earlier this year and gave us a quote, and for the same coverage either would have cost me around 18% more a year.
later
I’ve had AMICA for 40 years (both house and auto) and have never had a problem.
Costco.
Probably true. I've had the same local agent at Liberty Mutual for 15 years; my old man used Liberty Mutual for 50 years, and the same local agent for longer than me, at least. I've found Liberty to be very fair and although its prices are somewhat higher than other companies, when I have had claims, I thought the settlements arrived very quickly and were extremely generous (close to being too high).
I'll also note that a few times I've called Liberty and asked them to lower my premiums. They always have.
Safeco is very good.
How in the world did they miss american family. Crooks one and all. They do not honor they contractual obligations. At all.
We were longtime Amica customers, too until we found much better rates with Erie Insurance. No accidents, violations, or claims in 10 years with Amica, just rate increases. That is not to say there was anything wrong with Amica, except their rates.
Sounds like AAA MidAtlantic. What a bunch of liars, crooks and thieves. I wouldn’t recommend them to insure a damn doghouse.
Still, I'm unsure whether to switch because in the two auto claims I've had, Allstate treated me well. No problems at all.
Nice. Were running promos for American Trial lawyers of America ads on Free Republic.
Farm Bureau insurance is the best so is USAA, if you can get it.
We currently have Grange insurance for our home and auto. I’m shopping for a new provider. We were backed into by someone who gave us false insurance information. After realizing that his said insurance wasn’t going to do anything for us, our insurance (Grange) confronted the guy and got him to agree to pay for the damages. Well, all seemed great, but weeks and weeks went by and we never got our check in the mail. Every time we called our agent he said he couldn’t get a hold of the guy. Finally I called our agent’s manager (after about two months of waiting) and she immediately seemed to jump on the ball, but after another week of waiting and calling back for an update, we started getting the same old excuses. So we’re taking the guy to small claims court to get our money and picking up a new insurance provider.
I’ve looked at AllState because I’ve heard they handle claims well.
Just a note ... the source is the American Trial Lawyers Association, formerly called ATLA but now they are hiding themselves under a non-specific name. Just pointing that out.
“So how/why does an ‘uninsured’ or ‘under-insured’ get away without having to carry comparable insurance?”
Any time you purchase insurance you are guarding against the risk of a casualty occurring to you or your property.
By purchasing UM or UIM insurance, you protect yourself against the risk of being damaged by an uninsured motorist (legally or illegally, depending on the state) or underinsured motorist causing damage to you.
Your insurer steps into the shoes of their would-be insurer (or underinsurer).
It isnt enough to have a lot of liability insurance- if you are seriously injured by the negligence of an un- or underinsured motorist, you have the peace of mind of knowing you will be be compensated for your damages by your own insurer.
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