Saturday 10th of September 2016 12:56:39 PM
Three weeks ago, I filled out a form on the internet for insurance quotes on my home. I was contacted by an agent in my area for AAA and when I gave him the information on my home, he came back with a quote of $657 a year, and had the dwelling at $157,000 and personal property at $94,000. I told him that was agreeable, as the houses in my neighborhood are selling for $80,000, where they were going for $130,000 five years ago. He sent me the paperwork for that amount to sign and send back to him, which I did. AAA requires that you give them your bank account number, so they can draw the premiums directly out of your account.So on the day that my policy was supposed to start, they withdrew the agreed upon amount out of my account, for the first three months of the policy coverage. The agent told me that within 10 days, I would get all of the paperwork on my policy. Last Friday, I got those papers and was outraged when I read them. No one ever came out to look at my home. They just required that I take a picture of the front and back of my house and send it to them. Evidently, some underwriter decided that by those pictures, my house was suddenly raised to $274,000 for the dwelling and added on an additional $27,403 for other structures on my property, which do not exist, as I have no other structures on my property. So I have no clue what pictures they were looking at.They also upped the contents to $164,000. It all added up to my premium now being upped to $979 a year, with a $1,000 deductible, which is more than three times what my house is worth. I immediately called this so-called agent, and tried telling him about the bill that I just received, and how totally wrong it was. I couldn't even get a sentence out before he cut me off and told me to shut up. I was appalled to be talked to this way, when I had every right to be angry and questioning this man as to what was going on. I tried telling him that this was unacceptable, and he hung up on me. I then tried calling the company headquarters, and was told by them that I had to handle this problem through my agent, which of course I knew by then was going to be impossible, since he was such a rude and unprofessional person.I tried calling him back, and got his voicemail, so I left a message telling him that I, or anyone else in my position, had every right to be upset; and that since they had my bank account number, I was upset that they could just deduct the added amount they now said that I owed, even though the underwriter had clearly screwed up so badly; and that I was advising him that I did not give my consent for them to deduct one more dime from my account, as I would be looking for insurance elsewhere. A while later, I got a call back from this rude, boorish man stating that he refused to listen to my entire message, and that I should just call him when I had other insurance and he would cancel my account with AAA, and then he hung up on me again.I am 55 years old, and have been a homeowner for 30 years, and have never been treated so badly, or so unprofessionally with any other insurance company or its so-called agents in my life. This so-called agent, whose name is James **, and is based in Lee's Summit, Missouri, was as nice and sweet as he could be to get my business, but once he had it, and his company clearly screwed up royally on my policy, he became nothing but rude and condescending to me. He basically told me that I had no right to question what was going on. He is the epitome of the smarmy used car salesman, who sells you a lemon and knows it, and then laughs in your face when it breaks down, and tells you that he will do nothing about it.I guess I am lucky that I found out how bad this company is before I had to make a claim with them on damage to my home. But I am still angry that I wasted all this time on this horrible and unprofessional company. They should stick to being an auto club membership company, and get out of the insurance business, as they totally suck. Stay as far away from this company as you can get, and if you do get scammed by them, as I did, then check your state insurance dept. about making a complaint against them. I did here in Missouri, and was told by the woman that I talked to that there was definitely something wrong with how I was treated by this unscrupulous company.They will now have 20 days to respond to my formal complaint with the state, but I am sure that they will lie and find some way to blame me for it, even though I was the one who did everything that was requested of me, and they got my money, only to then try and get away with what I see is fraud - plain and simple.