Good one Jon. Apparently this is another case that IJ not vetting stories before printing them. Almost anyone in this business knows that Allstate should not be held in high esteem for ethics.
Why are you siding with trial lawywers who bad mouth our entire industry? Did you actually read the report or just gloss over the headlines? Did you notice that it was referencing 2007 results? Don’t you complain when I use data that is 3 years old?
Hey uninformed Ron, you don’t get out of that cubicle much, do you? Almost anyone in the retail agency ranks knows how Allstate operates. I used to have Encompass, an owned company of Allstate. Terrible rates, terrible contract, poor predictive modeling, slow claim service. We book rolled them years ago to better markets. In dealing with Allstate when they are liable, they deny, deny and have to often be reported to the Insurance department to get a claim paid. Their agents are bottom feeders quoting minimum limits Auto to get a low premium, sell Homeowners at less value than anyone’s Replacement Cost guide and have the nerve to say it is a good value. Their agents come and go all the time and for good reason.
“You would fare a lot better if you just simply answered people’s questions.” -Agent
Try taking your own advice sometime.
March 11, 2015 at 10:14 am
Ron says:
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Agent,
Where did I say anything about any company in particular?
One of the reasons I may be uninformed is becasue you will not answer my questions to educate me.
Just answer the questions.
1. Why are you siding with trial lawywers who bad mouth our entire industry?
2. Did you actually read the report or just gloss over the headlines?
3. Did you notice that it was referencing 2007 results? 4. Don’t you complain when I use data that is 3 years old?
March 11, 2015 at 10:54 am
Agent says:
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Rosenblatt & Ron, I don’t respond well with demands to answer your questions, 1,2,3. I use practical experience having been in this business many, many years. If you don’t know by now about Allstate and its many issues, you never will. You would fare a lot better if you decided to not demand information and kept your eyes open for a change.
March 11, 2015 at 11:09 am
Rosenblatt says:
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You give others cr*p for not answering your questions and try to justify why it’s okay when you don’t answer questions yourself. This is just one reason why I keep calling you a hypocrite.
I stand by my comment which reiterated something you previously said multiple times: “You would fare a lot better if you just simply answered people’s questions.”
Try taking your own advice sometime.
March 11, 2015 at 11:41 am
Ron says:
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Agent,
If you would answer my questions, like I answer yours, there would no need to demand answers. Why are you so afriad to answer my questions?
My eyes are open, but you do not answer my questions or show me anything (evidence, data, sources, etc) to back up your statements.
When did I say ANYTHING defending Allstate?
March 11, 2015 at 4:45 pm
Good Experience with Encompass says:
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Hi Agent,
I just wanted to say that in the states I work, primarily VA, DC area and PA, we have had great success with Encompass policy. I gather maybe they changed some things since you last utilized them?? I get not only great rate, but the “Elite” coverage in their Edge product is excellent…I mean a very comprehensive and comparable policy. I will say that before the Edge product, the rates were not so great. The new Edge product also added in more coverage’s for the client, again under the Elite plan. I understand if they left a bad taste in your mouth. To be honest, I have no clue what their predictive modeling looks like…I just know the policy language and rates have improved VASTLY. If you are ever looking to add another carrier to your agency, maybe give them another shot…I wouldn’t go throwing a bunch their way, but a few here and there and see how you feel about them now.
I try not to let my personal/emotional side get to me when it comes to selecting a carrier for my client..I really want them to have the bet policy/coverage at the best rate. But unfortunately, we are human and when we get upset with a carrier, over whatever it may be, we tend to not place the biz with them. Where in some cases, it may be totally justified and the correct thing to do, in other cases, we need to swallow our pride and do what is ultimately best for our clients. I am sure we all try to do same as professionals in the industry.
That’s all I wanted to chime in on! Thanks for listening, whoever did, and hope you have a great day!!
**And I will apologize now for any mis-spelling, grammer errors, ect…I wish they had spell check on this!!!**
March 12, 2015 at 12:08 pm
Stan says:
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there is a reason that Agent doesn’t answer questions: because he cant. He knows his answers reveal him to be the hypocrite that he is. So he hides behind silence and empty platitudes.
COWARD!
March 16, 2015 at 2:18 pm
bob says:
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“2. Did you actually read the report or just gloss over the headlines?”
This question being answered is going to educate you? You are demanding him to answer questions, and then are asking degrading questions…And you always see yourself rather highly. Maybe stop acting like a fake jack ass, be forward, and Agent won’t treat you like a fake jack ass.
Who raised you? Some idiotic facade maintaining fraud?
March 16, 2015 at 3:50 pm
Ron says:
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bob,
GO AWAY!!!!!!!!!!!!!!!!
March 18, 2015 at 5:18 pm
bob says:
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No, boy.
You don’t get to try and act superior to everyone and demand degrading questions to be answered before you actually talk properly to someone.
I will answer any of your questions, even if stupid.
If you’re a man, then hold the same standard.
Quite being a little snob.
March 18, 2015 at 5:19 pm
bob says:
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I demand my questions be answered so I am educated:
Why are you telling me to go away in all caps?
Maybe I should act like you, BOY.
March 18, 2015 at 8:49 pm
Ron says:
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bob,
What part of GO AWAY!!!!!!!!!!!!!! do you not understand?
March 9, 2015 at 4:45 pm
Don Quixote says:
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Not sure I’d take the ambulance chasers’ word on that. When lawyers hate insurance companies, that tells me the company’s claims department is doing their job!
Maybe what a bunch of plaintiff lawyers or third party claimants think is not really relevant. I’d be interested in what their customers think of them.
Good for you Good Experience if you like Encompass and they are doing well now. Perhaps their management woke up and realized the error of their ways. I really don’t want or need them anymore since I have 5 major standards now. That usually fills the bill in terms of coverage, cost and service. Encompass made their bed with us over a long period of time so the decision had to be made to part ways or the customers would have found a new home. I wish you well in your future endeavors.
I say absolutely nothing about Allstate and you attack me telling me how bad they are. Then, someone else actually defends them, and you magically become civil.
What Ron? The subject matter being discussed with Good Experience was ENCOMPASS, not Allstate. Good Experience said ENCOMPASS was doing better. Got it? Perhaps not. I am sure you will have another smart ass remark to make.
March 12, 2015 at 3:14 pm
Ron says:
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Agent,
Encompass is part of Allstate. It is their personal lines product available to independent agents. Got it?
Now, answer this question, when did I say ANYTHING defending Allstate?
March 12, 2015 at 3:33 pm
Agent says:
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So Ron, I point you to the article about Allstate being an ethical company which is a farce since everyone in the industry except you know that. We then have a discussion about Encompass and Good Experience said they were doing better and you apparently don’t know that Encompass has a management team of their own. So what if Allstate owns them. Safeco is owned by Liberty Mutual and believe it or not have their own management team, underwriting, claims, marketing. Do you have Dyslexia or is it just your Progressive Liberal roots showing on every post?
March 13, 2015 at 9:12 am
Ron says:
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Agent,
I will concede to your position regarding Encompass.
Will you just answer my simple question, when did I say ANYTHING defending Allstate?
March 13, 2015 at 9:19 am
Ron says:
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Agent,
I apologize for not pointing this out earlier, but wasn’t it you who stated, ” I used to have Encompass, an owned company of Allstate. Terrible rates, terrible contract, poor predictive modeling, slow claim service.”?
How come you can tie Encompass to Allstate, but I cannot?
March 12, 2015 at 1:45 pm
Good Experience says:
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Yes Agent, I guess they did! Some companies do actually from time to time come around! LOL
Thanks for the kind words and I too wish you well in your future endeavors as well. Have a great rest of the day to all!
Good, sorry that you got dragged into another issue I have with Ron and Rosenblatt on every subject of every article IJ has. They can’t help themselves and it is sad. Part of it is envy that successful Independent Agents do much better than they do since they occupy a 6′ cubicle and hope their boss doesn’t catch them blogging all day. I think Libby got caught and shut down since she hasn’t made an appearance for a while. Maybe she is in shock that her vaunted Hillary is in so much trouble.
March 12, 2015 at 4:39 pm
Rosenblatt says:
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I’m envious of you, Agent? That’s an absurd comment.
March 12, 2015 at 5:02 pm
Agent says:
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Rosenblatt, your every comment to me is absurd. You and Ron read everything backwards which is in your nature. I guess that is another indication of the division in this country. You are Progressive, I am Conservative and never shall the opinions agree. Ron is far worse than you. All he has running through his head are algorithms and no common sense at all. By the way, what do you think happened to Libby? I kind of miss her insults and have to settle for Ron and occasionally incorrigible Stan.
March 13, 2015 at 9:16 am
Ron says:
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Agent,
I am envious of no one, period. I am happy in my life and I am also happy that you are successful.
If anyone sounds envious it is you of the most successful insurance companies such as State Farm, Allstate and Hartford. You will tear them down every chance you get. it is a very small, petty person who can only build themselves up by bringing others dowm.
July 14, 2016 at 3:54 pm
Agent says:
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Bob, notice that I answered Good Experience in a polite way and gave him the facts of our experience with Encompass. Perhaps they are better in other states, but not in mine. By the way, Allstate launched Esurance for the online crowd instead of pushing Encompass. Why am I not surprised that they undercut their agents?
Ron, if you lived in the real world and was exposed to what State Farm, Allstate and Hartford does every day of the week, year end and year out, you might have a different opinion of them. You basically look through rose colored glasses at these companies. I have to compete with them and I do very well doing that.
Ron, I was having a discussion with Good Experience on Encompass and then you started trolling on and on about Allstate. Stick to the subject matter. Your knowledge about Personal Lines is almost nil.
I don’t insult their agents or policyholders. Many of the agents don’t know what they are doing, write poor coverage and the policyholders don’t even know what they have covered until I point it out to them. Is it an insult if the coverage is not good and they charge too much for the policy or is it the truth?
March 13, 2015 at 2:02 pm
Ron says:
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Agent,
Here is my entire intial post:
“Why are you siding with trial lawywers who bad mouth our entire industry? Did you actually read the report or just gloss over the headlines? Did you notice that it was referencing 2007 results? Don’t you complain when I use data that is 3 years old?”
Please tell which part made you think that I was trolling on and on about Allstate?
You said, “I don’t insult their agents or policyholders. How is, “Many of the agents don’t know what they are doing, write poor coverage and the policyholders don’t even know what they have covered until I point it out to them.” not an insult?
You asked, “Is it an insult if the coverage is not good and they charge too much for the policy or is it the truth?” Yes. Contrary to what you may think, I truly value what you and other agents do for your clients.
See how easy it is to answer someone else’s question and even provide a compliment.
March 13, 2015 at 3:41 pm
Agent says:
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Ron, you insulted me first when you said I just read the headlines and glossed over the report. I read every word and coupled with my first hand knowledge of how they operate, the report was very true. I have had them on the phone dozens of times over the years trying to get them to pay an at fault accident they are liable for. I have called the Insurance Dept on them as well. How many times have you done that for a policyholder? 0 is the answer. I have analyzed their coverage thousands of times and they have been found wanting compared to mine. They false advertise all the time. Need any further proof?
March 13, 2015 at 3:47 pm
Rosenblatt says:
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Once again Agent fails to answer a direct question. Since he won’t admit it — Ron, I read your post and agree you did not say anything about Allstate, let alone “troll on and on” about them as Agent incorrectly claimed.
March 17, 2015 at 2:51 pm
FFA says:
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In IL, they hide behind Comp Negligence every chance they get. They under cut Local Body Shop rates often calling it Local Market Adjustment.
Per Allstate, we can save you $496 on your Auto Insurance until we can’t. We can assure you that you have Replacement Cost on your home until a loss happens and we pay roof claims on Actual Cash value. We are so ethical that never mind that our agents formed a guild/union to deal with management since agents were getting screwed on commissions and bonuses.
The roof coverage is in big bold print on Allstate dec pages. That’s called transparency. Every single available coverage is printed on the dec pages and whether or not you’ve purchased it. I don’t know of any other company that does that. If you don’t know what you have when you have a loss, it’s because you didn’t read your policy.
And give me a break. State Farm and Farmers have agent associations, too. What do you think the Big I is? There are way more independent agents that are members of these associations than there are Allstate agents.
Marko, there is a big difference between a Guild/Union than a state wide insurance association. You should read up on it sometime. Captive Allstate agents formed a guild/union to deal with Allstate management because they were getting the third degree on about every issue. They are the pits. How about reading up on the recent case which awarded several former employees $27 million and get back to us?
Allstate doesn’t offer ACV roof coverage. It’s a payment schedule and you know exactly what percentage you’ll be paid if you don’t have roof replacement cost. Compare that to Foremost who makes you prove the age of your roof at the time of loss in order to get replacement cost.
Hartford is so ethical they purchased a small savings & loan in Florida just so they could get their hands on government bailout money. Once they had the cash, they sold the S&L. I would think they would make the list of most UNETHICAL companies…
As I recall, Hartford was the recipient of bail out money from the sub prime mess they were into through their Financial Services dept similar to AIG. Didn’t they recently sell their Life & Health dept?
What’s your point? The company did what it needed to do to stay in business and keep thousands of their employees with a job. When you become the CEO of a major corporation, you can make the decision to let the company go under …
You don’t need to do business with us, we have thousands of other agencies that will do business with us. And if you really are refusing to do business with Hartford because we got bailout money, you’re an idiot, and you’re either lying about not doing business with us, you don’t have us as a market, or you’re losing customers to us.
March 12, 2015 at 10:32 am
Agent says:
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Back in the day, we had Hartford for about three years. They were real proud of the premium charges for Auto & Home and we would roll our eyes at every quote and then place it with a better carrier. Needless to say, they went away and we have been doing just fine with our other markets.
March 15, 2015 at 12:09 pm
Insurance Girl says:
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Agent – it’s usually the lower end, unsophisticated insurance agencies that don’t do well with us. I’m not surprised you only lasted 3 years with Hartford
March 17, 2015 at 2:56 pm
FFA says:
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Ins Girl In IL, your competitive most of the time. So long as they don’t have a Youthfull in the HH, your golden.
I do marketing event on behalf of AARP and them old folks just don’t like the fact AARP supported the OfnBama Care stuff. I get told they would pay twice the premium then go to AARP. Then other people just love you.
March 17, 2015 at 5:50 pm
Agent says:
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It’s funny Insurance Girl, but all our other 5 Standards think we are sophisticated enough to do business with them. We have a modern operating system, get policies downloaded to us, can single entry quote with all of them and it is easy to see which one will be best for the customer. I have beat them every time I came up against them.
March 9, 2015 at 4:49 pm
Don Quixote says:
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If you want to work with an ethical company that doesn’t have a conflict between sending profits to its stockholders and paying claims to its policyholders, try working with a Mutual carrier.
Yes, we know all about State Farm. They finally had to cough up $352 million and change to refund to Texas customers for overcharges after fighting it for over 10 years and defying the TDI and a Judge who ordered them to refund. The good neighbor folks were not so good as it turned out.
I work for The Hartford and have for over 15 years. I have to say this is an extremely ethical company. This is a company where management has class, never bad mouths competitors and shows the same respect to our agency partners as we do to our policyholders. This is the same behavior that is expected of all employees. It’s no wonder we have received this nomination 7 years in a row!
Allstate is terrible. Here is what Consumer Reports has to say: “In our survey, 35 percent of Allstate Insurance Group clients reported such problems with that carrier, the nation’s second-largest. That contrasts with 14 percent who reported problems with top-ranked Amica. Allstate and Travelers Insurance Cos., another large group, were among the lower-rated groups overall.”
Our own experience with Allstate following a house fire confirms that. And ask independent insurance agents what they think of Allsnake – many will not even sell that line. Slick commercials, lousy claims experience.
All insurance companies appear to be petty and bogus by this line of conversation. When are you going to start talking about the “service” you provide to your customers as a measure of your ethics success? Why is it always about the warring factions between competing companies, lawyers vs insurance, etc. It’s sick how the customer, the individual human being, is left out in the conversation. Does any insurance company care about their “customers” they are paid to “serve”. I know for one Farmers is atrocious at service and should be criminally prosecuted for their unethical practices.
Mary, I am sure glad to be an Independent agent instead of a captive like State Farm, Allstate and Farmers. You are very right about Farmers. They have the worst reputation among the three, the poorest trained agents, poorest claims service. Low and behold, I have had the most inquiries from them to let them send business to us for a broker commission since their market is in the tank. I don’t do it or ever will do it.
In fifteen years of dealing with April @ Charter Lakes division It’s easy to see why this company is so highly regarded
This must be a cruel joke. Allstate is named as the worst insurance company in America by The American Association for Justice and I would totally agree. Check their report out at https://www.justice.org/sites/default/files/file-uploads/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf
Good one Jon. Apparently this is another case that IJ not vetting stories before printing them. Almost anyone in this business knows that Allstate should not be held in high esteem for ethics.
Agent,
Why are you siding with trial lawywers who bad mouth our entire industry? Did you actually read the report or just gloss over the headlines? Did you notice that it was referencing 2007 results? Don’t you complain when I use data that is 3 years old?
Hey uninformed Ron, you don’t get out of that cubicle much, do you? Almost anyone in the retail agency ranks knows how Allstate operates. I used to have Encompass, an owned company of Allstate. Terrible rates, terrible contract, poor predictive modeling, slow claim service. We book rolled them years ago to better markets. In dealing with Allstate when they are liable, they deny, deny and have to often be reported to the Insurance department to get a claim paid. Their agents are bottom feeders quoting minimum limits Auto to get a low premium, sell Homeowners at less value than anyone’s Replacement Cost guide and have the nerve to say it is a good value. Their agents come and go all the time and for good reason.
“You would fare a lot better if you just simply answered people’s questions.” -Agent
Try taking your own advice sometime.
Agent,
Where did I say anything about any company in particular?
One of the reasons I may be uninformed is becasue you will not answer my questions to educate me.
Just answer the questions.
1. Why are you siding with trial lawywers who bad mouth our entire industry?
2. Did you actually read the report or just gloss over the headlines?
3. Did you notice that it was referencing 2007 results? 4. Don’t you complain when I use data that is 3 years old?
Rosenblatt & Ron, I don’t respond well with demands to answer your questions, 1,2,3. I use practical experience having been in this business many, many years. If you don’t know by now about Allstate and its many issues, you never will. You would fare a lot better if you decided to not demand information and kept your eyes open for a change.
You give others cr*p for not answering your questions and try to justify why it’s okay when you don’t answer questions yourself. This is just one reason why I keep calling you a hypocrite.
I stand by my comment which reiterated something you previously said multiple times: “You would fare a lot better if you just simply answered people’s questions.”
Try taking your own advice sometime.
Agent,
If you would answer my questions, like I answer yours, there would no need to demand answers. Why are you so afriad to answer my questions?
My eyes are open, but you do not answer my questions or show me anything (evidence, data, sources, etc) to back up your statements.
When did I say ANYTHING defending Allstate?
Hi Agent,
I just wanted to say that in the states I work, primarily VA, DC area and PA, we have had great success with Encompass policy. I gather maybe they changed some things since you last utilized them?? I get not only great rate, but the “Elite” coverage in their Edge product is excellent…I mean a very comprehensive and comparable policy. I will say that before the Edge product, the rates were not so great. The new Edge product also added in more coverage’s for the client, again under the Elite plan. I understand if they left a bad taste in your mouth. To be honest, I have no clue what their predictive modeling looks like…I just know the policy language and rates have improved VASTLY. If you are ever looking to add another carrier to your agency, maybe give them another shot…I wouldn’t go throwing a bunch their way, but a few here and there and see how you feel about them now.
I try not to let my personal/emotional side get to me when it comes to selecting a carrier for my client..I really want them to have the bet policy/coverage at the best rate. But unfortunately, we are human and when we get upset with a carrier, over whatever it may be, we tend to not place the biz with them. Where in some cases, it may be totally justified and the correct thing to do, in other cases, we need to swallow our pride and do what is ultimately best for our clients. I am sure we all try to do same as professionals in the industry.
That’s all I wanted to chime in on! Thanks for listening, whoever did, and hope you have a great day!!
**And I will apologize now for any mis-spelling, grammer errors, ect…I wish they had spell check on this!!!**
there is a reason that Agent doesn’t answer questions: because he cant. He knows his answers reveal him to be the hypocrite that he is. So he hides behind silence and empty platitudes.
COWARD!
“2. Did you actually read the report or just gloss over the headlines?”
This question being answered is going to educate you? You are demanding him to answer questions, and then are asking degrading questions…And you always see yourself rather highly. Maybe stop acting like a fake jack ass, be forward, and Agent won’t treat you like a fake jack ass.
Who raised you? Some idiotic facade maintaining fraud?
bob,
GO AWAY!!!!!!!!!!!!!!!!
No, boy.
You don’t get to try and act superior to everyone and demand degrading questions to be answered before you actually talk properly to someone.
I will answer any of your questions, even if stupid.
If you’re a man, then hold the same standard.
Quite being a little snob.
I demand my questions be answered so I am educated:
Why are you telling me to go away in all caps?
Maybe I should act like you, BOY.
bob,
What part of GO AWAY!!!!!!!!!!!!!! do you not understand?
Not sure I’d take the ambulance chasers’ word on that. When lawyers hate insurance companies, that tells me the company’s claims department is doing their job!
Maybe what a bunch of plaintiff lawyers or third party claimants think is not really relevant. I’d be interested in what their customers think of them.
Good for you Good Experience if you like Encompass and they are doing well now. Perhaps their management woke up and realized the error of their ways. I really don’t want or need them anymore since I have 5 major standards now. That usually fills the bill in terms of coverage, cost and service. Encompass made their bed with us over a long period of time so the decision had to be made to part ways or the customers would have found a new home. I wish you well in your future endeavors.
Agent,
I say absolutely nothing about Allstate and you attack me telling me how bad they are. Then, someone else actually defends them, and you magically become civil.
What Ron? The subject matter being discussed with Good Experience was ENCOMPASS, not Allstate. Good Experience said ENCOMPASS was doing better. Got it? Perhaps not. I am sure you will have another smart ass remark to make.
Agent,
Encompass is part of Allstate. It is their personal lines product available to independent agents. Got it?
Now, answer this question, when did I say ANYTHING defending Allstate?
So Ron, I point you to the article about Allstate being an ethical company which is a farce since everyone in the industry except you know that. We then have a discussion about Encompass and Good Experience said they were doing better and you apparently don’t know that Encompass has a management team of their own. So what if Allstate owns them. Safeco is owned by Liberty Mutual and believe it or not have their own management team, underwriting, claims, marketing. Do you have Dyslexia or is it just your Progressive Liberal roots showing on every post?
Agent,
I will concede to your position regarding Encompass.
Will you just answer my simple question, when did I say ANYTHING defending Allstate?
Agent,
I apologize for not pointing this out earlier, but wasn’t it you who stated, ” I used to have Encompass, an owned company of Allstate. Terrible rates, terrible contract, poor predictive modeling, slow claim service.”?
How come you can tie Encompass to Allstate, but I cannot?
Yes Agent, I guess they did! Some companies do actually from time to time come around! LOL
Thanks for the kind words and I too wish you well in your future endeavors as well. Have a great rest of the day to all!
Good, sorry that you got dragged into another issue I have with Ron and Rosenblatt on every subject of every article IJ has. They can’t help themselves and it is sad. Part of it is envy that successful Independent Agents do much better than they do since they occupy a 6′ cubicle and hope their boss doesn’t catch them blogging all day. I think Libby got caught and shut down since she hasn’t made an appearance for a while. Maybe she is in shock that her vaunted Hillary is in so much trouble.
I’m envious of you, Agent? That’s an absurd comment.
Rosenblatt, your every comment to me is absurd. You and Ron read everything backwards which is in your nature. I guess that is another indication of the division in this country. You are Progressive, I am Conservative and never shall the opinions agree. Ron is far worse than you. All he has running through his head are algorithms and no common sense at all. By the way, what do you think happened to Libby? I kind of miss her insults and have to settle for Ron and occasionally incorrigible Stan.
Agent,
I am envious of no one, period. I am happy in my life and I am also happy that you are successful.
If anyone sounds envious it is you of the most successful insurance companies such as State Farm, Allstate and Hartford. You will tear them down every chance you get. it is a very small, petty person who can only build themselves up by bringing others dowm.
Bob, notice that I answered Good Experience in a polite way and gave him the facts of our experience with Encompass. Perhaps they are better in other states, but not in mine. By the way, Allstate launched Esurance for the online crowd instead of pushing Encompass. Why am I not surprised that they undercut their agents?
Because Allstate doesn’t just lay down and take what attorneys try to give…
Ron, if you lived in the real world and was exposed to what State Farm, Allstate and Hartford does every day of the week, year end and year out, you might have a different opinion of them. You basically look through rose colored glasses at these companies. I have to compete with them and I do very well doing that.
Agent,
I do live in the real world. Stop trying to demean me. It will not work.
If they are as bad as you make them out to be, how are they still in business? My guess is that you willnow insult their poliyholders and/or agents.
If you are doing so well competing against them, why do you need to insult them every chance you get? Are your carriers perfect?
Finally, still waiting for you to tell me when I defended Allstate.
Ron, I was having a discussion with Good Experience on Encompass and then you started trolling on and on about Allstate. Stick to the subject matter. Your knowledge about Personal Lines is almost nil.
I don’t insult their agents or policyholders. Many of the agents don’t know what they are doing, write poor coverage and the policyholders don’t even know what they have covered until I point it out to them. Is it an insult if the coverage is not good and they charge too much for the policy or is it the truth?
Agent,
Here is my entire intial post:
“Why are you siding with trial lawywers who bad mouth our entire industry? Did you actually read the report or just gloss over the headlines? Did you notice that it was referencing 2007 results? Don’t you complain when I use data that is 3 years old?”
Please tell which part made you think that I was trolling on and on about Allstate?
You said, “I don’t insult their agents or policyholders. How is, “Many of the agents don’t know what they are doing, write poor coverage and the policyholders don’t even know what they have covered until I point it out to them.” not an insult?
You asked, “Is it an insult if the coverage is not good and they charge too much for the policy or is it the truth?” Yes. Contrary to what you may think, I truly value what you and other agents do for your clients.
See how easy it is to answer someone else’s question and even provide a compliment.
Ron, you insulted me first when you said I just read the headlines and glossed over the report. I read every word and coupled with my first hand knowledge of how they operate, the report was very true. I have had them on the phone dozens of times over the years trying to get them to pay an at fault accident they are liable for. I have called the Insurance Dept on them as well. How many times have you done that for a policyholder? 0 is the answer. I have analyzed their coverage thousands of times and they have been found wanting compared to mine. They false advertise all the time. Need any further proof?
Once again Agent fails to answer a direct question. Since he won’t admit it — Ron, I read your post and agree you did not say anything about Allstate, let alone “troll on and on” about them as Agent incorrectly claimed.
In IL, they hide behind Comp Negligence every chance they get. They under cut Local Body Shop rates often calling it Local Market Adjustment.
That’s some report. Of course, it’s written by lawyers, so there is a little bias there.
Per Allstate, we can save you $496 on your Auto Insurance until we can’t. We can assure you that you have Replacement Cost on your home until a loss happens and we pay roof claims on Actual Cash value. We are so ethical that never mind that our agents formed a guild/union to deal with management since agents were getting screwed on commissions and bonuses.
The roof coverage is in big bold print on Allstate dec pages. That’s called transparency. Every single available coverage is printed on the dec pages and whether or not you’ve purchased it. I don’t know of any other company that does that. If you don’t know what you have when you have a loss, it’s because you didn’t read your policy.
And give me a break. State Farm and Farmers have agent associations, too. What do you think the Big I is? There are way more independent agents that are members of these associations than there are Allstate agents.
Marko, there is a big difference between a Guild/Union than a state wide insurance association. You should read up on it sometime. Captive Allstate agents formed a guild/union to deal with Allstate management because they were getting the third degree on about every issue. They are the pits. How about reading up on the recent case which awarded several former employees $27 million and get back to us?
Allstate doesn’t offer ACV roof coverage. It’s a payment schedule and you know exactly what percentage you’ll be paid if you don’t have roof replacement cost. Compare that to Foremost who makes you prove the age of your roof at the time of loss in order to get replacement cost.
Ethisphere Institute receives money from the companies it ranks. This is, essentially, industry PR. Nothing to see here.
Hartford is so ethical they purchased a small savings & loan in Florida just so they could get their hands on government bailout money. Once they had the cash, they sold the S&L. I would think they would make the list of most UNETHICAL companies…
As I recall, Hartford was the recipient of bail out money from the sub prime mess they were into through their Financial Services dept similar to AIG. Didn’t they recently sell their Life & Health dept?
What’s your point? The company did what it needed to do to stay in business and keep thousands of their employees with a job. When you become the CEO of a major corporation, you can make the decision to let the company go under …
If I were the CEO of a major corporation, I would not let the company get involved in nefarious activities that would hurt the company or its image.
Hartford has been growing, we’re one of the largest insurers, and super profitable by the way. It did not hurt the company or it’s image.
It hurt them some – I’m sure I’m not the only agent who now refuses to do business with them because of the bailout money fiasco.
You don’t need to do business with us, we have thousands of other agencies that will do business with us. And if you really are refusing to do business with Hartford because we got bailout money, you’re an idiot, and you’re either lying about not doing business with us, you don’t have us as a market, or you’re losing customers to us.
Back in the day, we had Hartford for about three years. They were real proud of the premium charges for Auto & Home and we would roll our eyes at every quote and then place it with a better carrier. Needless to say, they went away and we have been doing just fine with our other markets.
Agent – it’s usually the lower end, unsophisticated insurance agencies that don’t do well with us. I’m not surprised you only lasted 3 years with Hartford
Ins Girl In IL, your competitive most of the time. So long as they don’t have a Youthfull in the HH, your golden.
I do marketing event on behalf of AARP and them old folks just don’t like the fact AARP supported the OfnBama Care stuff. I get told they would pay twice the premium then go to AARP. Then other people just love you.
It’s funny Insurance Girl, but all our other 5 Standards think we are sophisticated enough to do business with them. We have a modern operating system, get policies downloaded to us, can single entry quote with all of them and it is easy to see which one will be best for the customer. I have beat them every time I came up against them.
If you want to work with an ethical company that doesn’t have a conflict between sending profits to its stockholders and paying claims to its policyholders, try working with a Mutual carrier.
Liberty Mutual owns several stock companies. Is that a conflict of interest?
Yes, because State Farm has great rates and claim service. Give me a break.
Yes, we know all about State Farm. They finally had to cough up $352 million and change to refund to Texas customers for overcharges after fighting it for over 10 years and defying the TDI and a Judge who ordered them to refund. The good neighbor folks were not so good as it turned out.
I work for The Hartford and have for over 15 years. I have to say this is an extremely ethical company. This is a company where management has class, never bad mouths competitors and shows the same respect to our agency partners as we do to our policyholders. This is the same behavior that is expected of all employees. It’s no wonder we have received this nomination 7 years in a row!
Allstate is terrible. Here is what Consumer Reports has to say: “In our survey, 35 percent of Allstate Insurance Group clients reported such problems with that carrier, the nation’s second-largest. That contrasts with 14 percent who reported problems with top-ranked Amica. Allstate and Travelers Insurance Cos., another large group, were among the lower-rated groups overall.”
Our own experience with Allstate following a house fire confirms that. And ask independent insurance agents what they think of Allsnake – many will not even sell that line. Slick commercials, lousy claims experience.
All insurance companies appear to be petty and bogus by this line of conversation. When are you going to start talking about the “service” you provide to your customers as a measure of your ethics success? Why is it always about the warring factions between competing companies, lawyers vs insurance, etc. It’s sick how the customer, the individual human being, is left out in the conversation. Does any insurance company care about their “customers” they are paid to “serve”. I know for one Farmers is atrocious at service and should be criminally prosecuted for their unethical practices.
Mary, I am sure glad to be an Independent agent instead of a captive like State Farm, Allstate and Farmers. You are very right about Farmers. They have the worst reputation among the three, the poorest trained agents, poorest claims service. Low and behold, I have had the most inquiries from them to let them send business to us for a broker commission since their market is in the tank. I don’t do it or ever will do it.