Friday 14th of September 2018 11:20:40 PM
My family had been with Allstate for more than 30 years, after I actually worked for them. We had several other policies with them as well, such as homeowners, boat, and umbrella policies. Recently, my wife's car was rear-ended in an accident, and sustained moderate damage. Allstate picked a low-ball value for our car, declared it to be a total loss, and refused to pay to have it repaired or for the damage. They also advised that if we kept the car and had it repaired ourselves, they would have the title branded as a total loss vehicle, and that they would no longer insure it. Allstate used an outside valuation company for the claim, who scoured the country for "comparable vehicles," which ranged from two hundred to a thousand miles away.None were the same edition or equipment, and most had other serious differences. When we asked them to replace our car with a similar local vehicle which was for sale, they said that they don't do that. When we objected to their valuation, they couldn't have cared less. The value that they came up with was approximately half of what it would cost to replace the car. ($5,800 vs. $10,000). After more than 30 years as a customer, with few claims, their attitude was take it, or go through our appeal process, which they advised "could take months, and you could end up paying for that as well." We have had a few claims in the past, mostly not our fault, and they were always handled promptly and fairly. Ironically, we were later asked to take a survey on how our claim was handled. I let them know that we were very unhappy with the entire process, and that we felt cheated in the valuation of our vehicle. We never heard back from them. Our agent was outstanding. He was very upset at how we were treated, and tried, but he couldn't get Allstate to act responsibly on our behalf. We switched to Travelers. Same coverage, great company, and we save $600 per year. We will miss our agent, but we won't miss Allstate.