[TrevorM3]

Pure and Chubbs are excellent.



i can't even think of the dam name of the terrible one. if a customer comes in and says they have it, i tell them we do not do work for that company. will reply back when i remember lol

[infamousdiz]

Originally Posted by TrevorM3

Pure and Chubbs are excellent.



i can't even think of the dam name of the terrible one. if a customer comes in and says they have it, i tell them we do not do work for that company. will reply back when i remember lol

Allstate blows goats. The worst insurance company. A book was written about their tactics "good hands to boxing gloves:The dark side of insurance"
Great read especially if you work with insurance restoration. Most customers I deal with that had Allstate switch after all the hoops they make them job through. I just got off the phone with an Allstate adjuster telling me he submitted for full replacement of the roof but his bosses kicked it back as a repair

[TrevorM3]

i've never really had a prolem with the basic companies like SF, AS, Geico. Maybe once in awhile we'll get a stubborn adjuster, but thats normal.

i think the company that sucks ass is wind haven, and pearl holdings.

[infamousdiz]

Originally Posted by TrevorM3

i've never really had a prolem with the basic companies like SF, AS, Geico. Maybe once in awhile we'll get a stubborn adjuster, but thats normal.

i think the company that sucks ass is wind haven, and pearl holdings.

Allstate is so bad in the northeast you can't even buy a policy in mass from all of the law suits and complainants to the insurance commission

[BMW F22]

Few companies I have been with and their experience below.

Allstate: had an incident and they didn’t want to cover. Basically said after the deductible they can send me $2. I told them I don’t feel like I’m in good hands and the agent laughed and said “sir, you are in good hands.” Wtf...

State Farm: pretty good and responsive. Haven’t really made any claims with them but experience was okay with general inquiries and Policy questions/updates.

Amica: this was probably the best. I was with them for a year insuring the Porsche. I called around for quotes and decided to go with them for the coverage. Was $200 more a year than Geico and $600-800 cheaper vs other big guys. Experience was great. After I switched to Geico the agent recently reached out asking if she could help me with anything. I have no doubt that if I had a claim with them it would have been handled with the utmost care.

Geico: been with them a year now. Switched because it was cheaper and includes MBI. Customer service has been good. No issues or claims so far and I hope never having to make a claim, ever. With this COVID19 stuff going on, they’re not cancelling policies from March until April 30th effectively giving everyone a month+ of coverage for free. My renewal was due end of March and I just paid for it. Didn’t want to take advantage. Last week I received an email saying that they’re crediting various policies (I think all policies) $100-150 to help with this situation. Don’t know if I will get anything back and don’t really care but that to me spoke volume. They care about their customers.

[IllSic_Design]

Originally Posted by BMW F22

Few companies I have been with and their experience below.

Allstate: had an incident and they didn’t want to cover. Basically said after the deductible they can send me $2. I told them I don’t feel like I’m in good hands and the agent laughed and said “sir, you are in good hands.” Wtf...

State Farm: pretty good and responsive. Haven’t really made any claims with them but experience was okay with general inquiries and Policy questions/updates.

Amica: this was probably the best. I was with them for a year insuring the Porsche. I called around for quotes and decided to go with them for the coverage. Was $200 more a year than Geico and $600-800 cheaper vs other big guys. Experience was great. After I switched to Geico the agent recently reached out asking if she could help me with anything. I have no doubt that if I had a claim with them it would have been handled with the utmost care.

Geico: been with them a year now. Switched because it was cheaper and includes MBI. Customer service has been good. No issues or claims so far and I hope never having to make a claim, ever. With this COVID19 stuff going on, they’re not cancelling policies from March until April 30th effectively giving everyone a month+ of coverage for free. My renewal was due end of March and I just paid for it. Didn’t want to take advantage. Last week I received an email saying that they’re crediting various policies (I think all policies) $100-150 to help with this situation. Don’t know if I will get anything back and don’t really care but that to me spoke volume. They care about their customers.

I saw an article a day or so ago from ABC or NBC that all CA insurance companies were going to have to give credit or whatever for premiums for a month or two becuase of this crisis; here's the link https://abcnews.go.com/Health/wireSt...break-70125381


Went back and read the article, I guess they are only making SOME companies return premiums. Wonder how they choose which companies..

[jmg]

State Farm Home Owner's was so painless and great when I had water damage that I stuck with them for Home Owner's even when I moved my other policies to another carrier.

[ASAP]

Do you guys know if Progressive is a good car insurance company?

Geico just tried to screw my by upping my premium by 15%. Called progressive they were $300 cheaper for 6 months...

[RickFLM4]

Originally Posted by ASAP

Do you guys know if Progressive is a good car insurance company?

Geico just tried to screw my by upping my premium by 15%. Called progressive they were $300 cheaper for 6 months...

I’ve had both and neither are that great or that bad. They are interchangeable IMO. Go with the lower rate.

[n33d4speed]

I have had USAA for 30 years, and my father even longer. He had a fire fully devastate his beach house in NJ. It took everything. Within a day, USAA was out at the property, had him in a rental house. Within 7 days, he had a check, no haggling, no mediation. Multi-Million dollar claim paid out within a week, covering his rental home and other misc expenses. I will NEVER switch.

https://www.tapinto.net/towns/belmar...t-investigatio

https://nj1015.com/fire-destroys-for...sey-shore-inn/

[2000cs]

Originally Posted by n33d4speed

I have had USAA for 30 years, and my father even longer. He had a fire fully devastate his beach house in NJ. It took everything. Within a day, USAA was out at the property, had him in a rental house. Within 7 days, he had a check, no haggling, no mediation. Multi-Million dollar claim paid out within a week, covering his rental home and other misc expenses. I will NEVER switch.

https://www.tapinto.net/towns/belmar...t-investigatio

https://nj1015.com/fire-destroys-for...sey-shore-inn/

Old thread but our family has similar experience. Parents house burned almost to the ground, USAA took care of everything even replacing art (good stuff) and restoring what could be. But that was 1995.

We had two floods due to plumbing issues in two different houses (which is why we turn the main off when we go away overnight now) and USAA took great care of us. 2005 and 2012. On the second one, the company they sent in to do the repairs quoted over $120k but our contractor was about $60k, so we worked with USAA to use our own contractor and saved some money.

USAA did not write wind policies in FL when we moved here so we’ve been with another company but had no claims. We’re about to move to TN and USAA’s quote is substantially less than the local companies, so we will return to them.

[dradernh]

When possible, we've been with AAA for home, auto, and umbrella since the 70s. Specifically, CSAA.

We're pretty much claims-free, with one notable exception. Our M6 needed a full repaint after a thick layer of gravel left by Nevada DOT on I-80 east of Reno made a real mess out of the car. CSAA took care of the repaint without saying a word, and the job was perfect.

[Joe T]

So, I just moved from CT. quick story on insurance.

Our home was listed for sale on 8/13, open house 8/14, 3 offers by end of day 8/15. Under contract 8/17, back up offer 8/20

On 8/24 we got hit by lightning and the house caught fire. Lost all 3 offers, and the back up ended up stepping up

Hanover Insurance was my insurance company. In 12 hours the mitigation team was there, in 24 hours the adjusters were there. In just over 30 days all work was completed to better than new condition, all my out of pocket was paid, the contractors were paid and they cut me a check for an additional $25k, which is what we we lost in the the sale from the first buyer to the back up offer.

Total checks were just under $175K in 45 days for clean up, mitigation, construction, replacement of electrical stuff that blew, all out of pocket and the $25k. less my $1000 deductable

The adjuster was awesome to work with, explained my rights, understood our deadline on moving, etc. Suggested a contractor that could do the work, be quality and used good subs (explaining that I could use anyone I wanted, but knew fast was more important than me making another few grand on a house I wouldn't be living in)

I'm sorry they don't write here in UT because they would have had a customer for life

[Ric in RVA]

Just as an FYI to everyone....inflation has hit insurance companies hard.


The values of used cars going up affects claim payouts, The parts problems in the supply chains increases costs, the labor pool shortage raises costs.

Claim frequency rose as we came out of covid as people got back on the road...along with some bad habits. (does anyone stop at stop signs these days??)

My industry wide guess (As an agent and former claim rep for 32 years) is that you ALL are getting rate increases at least until the inflation gets checked.

Not making excuses for the industry but just pointing out what we are seeing.

My day is spent proactively calling my clients and helping them understand rate increases that they are seeing.

Here are numbers we got just the other day....

CT GEICO 5.7% 10/6/2022
DC Allstate Corp 10.1% 5/2/2022
DE Travelers 6.0% 11/18/2022
ME Concord Group Insurance 6.9% 10/1/2022
NH Progressive Agency 7.9% 9/16/2022
NH Progressive Direct 10.6% 9/16/2022
PA Liberty Mutual 28.1% 11/14/2022
PA GEICO 34.4% 10/6/2022
VA Allstate Corp 5.0% 10/3/2022
VA Liberty Mutual 16.9% 8/22/2022
VT GEICO 6.4% 10/13/2022
PA Liberty Mutual 28.1% 11/14/2022


If you want a BMW gearhead "Good Neighbor" agent in Virginia just PM me.....

[dradernh]

Originally Posted by Joe T

I'm sorry they don't write here in UT because they would have had a customer for life

Wouldn't it be great if the insurer you prefer wrote policies no matter where you moved to.

Originally Posted by Ric in RVA

Just as an FYI to everyone....inflation has hit insurance companies hard.

Here are numbers we got just the other day....

CT GEICO 5.7% 10/6/2022
DC Allstate Corp 10.1% 5/2/2022
DE Travelers 6.0% 11/18/2022
ME Concord Group Insurance 6.9% 10/1/2022
NH Progressive Agency 7.9% 9/16/2022
NH Progressive Direct 10.6% 9/16/2022
PA Liberty Mutual 28.1% 11/14/2022
PA GEICO 34.4% 10/6/2022
VA Allstate Corp 5.0% 10/3/2022
VA Liberty Mutual 16.9% 8/22/2022
VT GEICO 6.4% 10/13/2022
PA Liberty Mutual 28.1% 11/14/2022

Yeah, we saw that as we just renewed. CSAA raised our auto 9.6% after going up only 3.0% 2020-2021. It's a little higher than I'd like to see it now. With your having put Amica so high on your list and their connection with BMWCCA, I might give them a call and see what they're charging.

OTOH, our umbrella policy was unchanged, which I found kind of strange as it tends to go up every year, sometimes by a fair amount.

[Ric in RVA]

Originally Posted by dradernh

Wouldn't it be great if the insurer you prefer wrote policies no matter where you moved to.
.

Insurance is controlled by State Legislatures. Which is good since states face different risks due to their environment.

Every once in a while there is a push to nationalize insurance. It would make lots of things easier on both sides of the equation but probably result in people in Iowa paying for Florida's Hurricanes.

Some states are simply not worth doing business in depending on the insurance climate.

[infinitekidM2C]

I decide which insurance company to go with based on their commercials.

[Esteban]

Originally Posted by infinitekidM2C

I decide which insurance company to go with based on their commercials.

Yeah, their commercials can really get silly.

[Joe T]

Originally Posted by infinitekidM2C

I decide which insurance company to go with based on their commercials.

I'm getting real tired of that no jingles and mascots company