yea well after having pronto ins. for about 6mnths n paying my premiums like i was supposed to this crap ins. didnt help me out when my car got damaged becaused according to them the damages were worth more then the car well to anyone that knows better any car is not worth the same everyday after you drive it off the lot it starts depreciating.. oh and how dumb it is that they send it to only one place a dealership at that to get an estimate uhh hello any other body shop is just as good the only difference is u end up paying more at the dealership because of the name.. never gonna go back to this crap ins. ever!
Any company with growth this rapid is a house of cards about to collapse. They will write beyond their capacity to pay claims and reserves will not be adequate. The TDI should look into them and see what their capitalization, reserving is and reign them in before a lot of people get taken for a ride. Also, if their claims practices are as bad as Jessica’s experience, they aren’t for long.
I would have to say speaking from experience with Pronto that one, the first writer is clearly competing agent knowing this much about the lingo and legalities of insurance. they should know exactly what slander is as well ..! jessica it is unfortunate at times with insurance and claims, however it is also unfortunate that you might of run into someone like JR that would twist information.
I found that the agent I bought the Insurance from was a great help during my claim. also help me with having a rental car delivered to to my job.
thank you
Hector
This is just another retail outfit that pushes everything through Homestate County Mutual or one of the other County Mutuals in Texas. Hector, the rental car agency delivered the car, not your agent. Any insurance company is cabable of that, for probably a lower rate. This company is the next Fred Loya – overpriced for what you get, straight liability and maybe comp and collision only.
And you, D, are clearly part of Pronto. What JR says is accurate. Write too much, too fast and the consumer is ultimately the one who gets hurt. Claims service suffers when an inexperienced company is working to handle large volumes. And, Hector, yes, the rental car company delivered, not Pronto. Another Fred Loya, coming right up!
Well sad to hear all ur stories
i’ve had insurance with pronto for 2 yrs
and my truck was stolen in Nuevo Laredo and was paid off in 20 days then 8months later my daughters car was hit outside our home at 3am and the claim was also resolved in a timely matter.And i don’t care if old america or county mutual are the ones backing up this company.What matters is that they took care of my insurance needs.
Interesting discussion. I used to work in insurance claims for 28 years. One person wants their car totaled and another doesn’t. One person only wants their car repaired at a dealership and the other one doesn’t. A company will generally try to work with you, but there are limits as to what they can do. If they had Jessica take her car to a dealership and the car was determined to be a total loss, then it was a total loss. A dealer is sometimes more expensive, but not always.
If the company asked you to take it to a shop you didn’t know and they did an estimate that totaled the car, what then?
I have heard that overall Pronto does a pretty good job and they try to do it right. They have been a family owned company that prided themselves on taking care of their business and their customers. That doesn’t mean that everyone will be happy.
Growth doesn’t mean this is a house of cards ready to fall down. It can be done correctly. Yes, you can grow too fast, but they are 13 years old and it doesn’t seem that their current numbers are outrageous for that time frame. It’s been a year and a half since I’ve been in the industry, but when I was there, I heard positive things about Pronto and they way they were doing things.
I’m sorry to hear that Jessica was unhappy, the insurance industry tends to get a bad wrap because most people don’t or can’t read their policy and they don’t understand what coverage they purchased. Most of an adjuster’s time is often spent just trying to explain to the customer what is covered under the policy they purchased. Obviously, we can’t all be insurance experts. The key here is finding a good agent that can explain what you are buying and will help you get what you need, but you do have to take the time to listen to them and learn a little.
Having had extensive experience in the industry, I wanted to put a little discussion out here from the inside perspective. Most adjusters are people just like you and I that are trying to do their job to the best of their ability. They generally get beat up if they don’t do their job perfect all of the time and sometimes don’t hear anything if they do their job exactly right and get you back on the road. They can make an ok living, but they don’t make a ton of money and will never get rich handling claims. Next time you deal with one, try giving them a break and understanding what they are handling, call, after call, after call…
Fred, you should know that an insurance company owes a duty of good faith and fair dealing. Afterall, you’ve worked in the “inside” fir many years. Well let me tell you, pronto sucks. I’m a lawyer representing a client that was struck by a perso who had pronto insurance, it’s been five months and they still haven’t settled anything, this after liability was clearly on their client. I’ve called numerous times and left messages but no call back. I ask fir a supervisor but only get a voicemail with the same…no call back. Their property adjuster is a teenage girl who has better things to do…I would pay more to get better insurance because you end up paying more for cheap insurance…I’m getting ready to file a lawsuit, unfortunately that’s probably the only way they’ll respond… Through court order or through discovery… I pay GEICO 80 bucks a month and I’m covered up to $100,000…pronto not worth a chicken bucket at KFC
James, Are you aware that there are laws on the books against unfair claims practices and that companies have to offer settlement terms within a specified time frame or be cited and fined by the TDI for failure to settle the claim? If they are being non responsive on an at fault claim, TDI should be informed. It is Pronto’s obligation to get the claim reported and follow up with the company if the claim isn’t being handled. County Mutual’s are usually not good at handling claims and often have to be sued to get them to pay.
Actually- the ability to take your car wherever you want to get it fixed only applies to the Texas Standard PPA Policy (which Pronto does not sell or offer). Non-Standard policies do, in fact, have the ability to regulate where you can take your vehicle for repairs by requiring that you cover a co-pay (sometimes over 25%).
This changed in 2002 when Texas passed legislation to allow Non-Standard auto policies.
It is very disappointing that insurance companies get away with bad claims service let alone bad Customer Service. I have been in the business for many years and to see the market turn into such a circus with companies coming in and buying the market with only themselves in mind. All I have to say for Pronto Insurance is you are very unlikely to survive this.
In my observation, Pronto comes in with the cheapest rate, appoints every agent in town, they obviously dont have requirements for any agents i.e. experience???
All I have to say is watch out my fellow agents, the writing is on the wall if you cant see it, your tough luck!! They will get you to write several hundred policies and place their own retail store right across the street from you. I have seen it happen. I have to say its your own fault. All you have to do is a little research on your end. An NO you dont have to sell the cheapest rate. Is the cheapest rate best for your customer? No.
Oh and let me mention, YES they will solicit your customers!! and YES I have seen this happen too!!
I would like to say, yes its a back handed way and it underminds everything that good companies set out to do. Fred Loya, at least he didnt sell Fred Loya Ins, he sold Vision, customers would not identfy with that. Pronto, not the case…Name, advertising says it all.
As for my customers, I do get a good nights sleep!
I agree with you. Its hard to make a dime in todays market with insurance premiums being so low. Companies like Pronto coming in I have seen it before, they try to buy the market but only hurt themselves in the long run. I have had their rep come into my office 3 times for me to sign on the dotted line. I told her to not bother. I have read articles about their claim practices. I would not put my customers through that no matter how cheap their rate is. There is a thing to be said about being ethical….
Im just an old guy trying to retire in this market…..
yea well after having pronto ins. for about 6mnths n paying my premiums like i was supposed to this crap ins. didnt help me out when my car got damaged becaused according to them the damages were worth more then the car well to anyone that knows better any car is not worth the same everyday after you drive it off the lot it starts depreciating.. oh and how dumb it is that they send it to only one place a dealership at that to get an estimate uhh hello any other body shop is just as good the only difference is u end up paying more at the dealership because of the name.. never gonna go back to this crap ins. ever!
Any company with growth this rapid is a house of cards about to collapse. They will write beyond their capacity to pay claims and reserves will not be adequate. The TDI should look into them and see what their capitalization, reserving is and reign them in before a lot of people get taken for a ride. Also, if their claims practices are as bad as Jessica’s experience, they aren’t for long.
I would have to say speaking from experience with Pronto that one, the first writer is clearly competing agent knowing this much about the lingo and legalities of insurance. they should know exactly what slander is as well ..! jessica it is unfortunate at times with insurance and claims, however it is also unfortunate that you might of run into someone like JR that would twist information.
I found that the agent I bought the Insurance from was a great help during my claim. also help me with having a rental car delivered to to my job.
thank you
Hector
This is just another retail outfit that pushes everything through Homestate County Mutual or one of the other County Mutuals in Texas. Hector, the rental car agency delivered the car, not your agent. Any insurance company is cabable of that, for probably a lower rate. This company is the next Fred Loya – overpriced for what you get, straight liability and maybe comp and collision only.
And you, D, are clearly part of Pronto. What JR says is accurate. Write too much, too fast and the consumer is ultimately the one who gets hurt. Claims service suffers when an inexperienced company is working to handle large volumes. And, Hector, yes, the rental car company delivered, not Pronto. Another Fred Loya, coming right up!
Well sad to hear all ur stories
i’ve had insurance with pronto for 2 yrs
and my truck was stolen in Nuevo Laredo and was paid off in 20 days then 8months later my daughters car was hit outside our home at 3am and the claim was also resolved in a timely matter.And i don’t care if old america or county mutual are the ones backing up this company.What matters is that they took care of my insurance needs.
Interesting discussion. I used to work in insurance claims for 28 years. One person wants their car totaled and another doesn’t. One person only wants their car repaired at a dealership and the other one doesn’t. A company will generally try to work with you, but there are limits as to what they can do. If they had Jessica take her car to a dealership and the car was determined to be a total loss, then it was a total loss. A dealer is sometimes more expensive, but not always.
If the company asked you to take it to a shop you didn’t know and they did an estimate that totaled the car, what then?
I have heard that overall Pronto does a pretty good job and they try to do it right. They have been a family owned company that prided themselves on taking care of their business and their customers. That doesn’t mean that everyone will be happy.
Growth doesn’t mean this is a house of cards ready to fall down. It can be done correctly. Yes, you can grow too fast, but they are 13 years old and it doesn’t seem that their current numbers are outrageous for that time frame. It’s been a year and a half since I’ve been in the industry, but when I was there, I heard positive things about Pronto and they way they were doing things.
I’m sorry to hear that Jessica was unhappy, the insurance industry tends to get a bad wrap because most people don’t or can’t read their policy and they don’t understand what coverage they purchased. Most of an adjuster’s time is often spent just trying to explain to the customer what is covered under the policy they purchased. Obviously, we can’t all be insurance experts. The key here is finding a good agent that can explain what you are buying and will help you get what you need, but you do have to take the time to listen to them and learn a little.
Having had extensive experience in the industry, I wanted to put a little discussion out here from the inside perspective. Most adjusters are people just like you and I that are trying to do their job to the best of their ability. They generally get beat up if they don’t do their job perfect all of the time and sometimes don’t hear anything if they do their job exactly right and get you back on the road. They can make an ok living, but they don’t make a ton of money and will never get rich handling claims. Next time you deal with one, try giving them a break and understanding what they are handling, call, after call, after call…
Fred, you should know that an insurance company owes a duty of good faith and fair dealing. Afterall, you’ve worked in the “inside” fir many years. Well let me tell you, pronto sucks. I’m a lawyer representing a client that was struck by a perso who had pronto insurance, it’s been five months and they still haven’t settled anything, this after liability was clearly on their client. I’ve called numerous times and left messages but no call back. I ask fir a supervisor but only get a voicemail with the same…no call back. Their property adjuster is a teenage girl who has better things to do…I would pay more to get better insurance because you end up paying more for cheap insurance…I’m getting ready to file a lawsuit, unfortunately that’s probably the only way they’ll respond… Through court order or through discovery… I pay GEICO 80 bucks a month and I’m covered up to $100,000…pronto not worth a chicken bucket at KFC
Jessica,
Under the law you can take your car anywhere YOU want to get it fixed. They can’t force you to take it to “their” shop. It’s the law…
James, Are you aware that there are laws on the books against unfair claims practices and that companies have to offer settlement terms within a specified time frame or be cited and fined by the TDI for failure to settle the claim? If they are being non responsive on an at fault claim, TDI should be informed. It is Pronto’s obligation to get the claim reported and follow up with the company if the claim isn’t being handled. County Mutual’s are usually not good at handling claims and often have to be sued to get them to pay.
Actually- the ability to take your car wherever you want to get it fixed only applies to the Texas Standard PPA Policy (which Pronto does not sell or offer). Non-Standard policies do, in fact, have the ability to regulate where you can take your vehicle for repairs by requiring that you cover a co-pay (sometimes over 25%).
This changed in 2002 when Texas passed legislation to allow Non-Standard auto policies.
It is very disappointing that insurance companies get away with bad claims service let alone bad Customer Service. I have been in the business for many years and to see the market turn into such a circus with companies coming in and buying the market with only themselves in mind. All I have to say for Pronto Insurance is you are very unlikely to survive this.
In my observation, Pronto comes in with the cheapest rate, appoints every agent in town, they obviously dont have requirements for any agents i.e. experience???
All I have to say is watch out my fellow agents, the writing is on the wall if you cant see it, your tough luck!! They will get you to write several hundred policies and place their own retail store right across the street from you. I have seen it happen. I have to say its your own fault. All you have to do is a little research on your end. An NO you dont have to sell the cheapest rate. Is the cheapest rate best for your customer? No.
Oh and let me mention, YES they will solicit your customers!! and YES I have seen this happen too!!
I would like to say, yes its a back handed way and it underminds everything that good companies set out to do. Fred Loya, at least he didnt sell Fred Loya Ins, he sold Vision, customers would not identfy with that. Pronto, not the case…Name, advertising says it all.
As for my customers, I do get a good nights sleep!
To Insurance Lady,
I agree with you. Its hard to make a dime in todays market with insurance premiums being so low. Companies like Pronto coming in I have seen it before, they try to buy the market but only hurt themselves in the long run. I have had their rep come into my office 3 times for me to sign on the dotted line. I told her to not bother. I have read articles about their claim practices. I would not put my customers through that no matter how cheap their rate is. There is a thing to be said about being ethical….
Im just an old guy trying to retire in this market…..