Another example of why this insurance company shouldn't be in business:"You are in Good Hands with Allstate" Not when you are the accident victim of an Allstate driver.
On January 20th, my family was involved in an accident when one of your insured driver's drove recklessly, causing a collision. My husband and daughter were both injured and my son had severe bruising and muscle soreness. I am ever thankful that everyone walked away. I wish I was writing you today to say what a pleasant encounter it has been dealing with Allstate, but I can't. We have been contacted by 5 different Allstate representatives and only a couple have been nice. We are not the guilty party, yet we have been treated as such and rather rudely on a number of occasions. I think the thing that bothers me the most is the changing of the rules.
For instance - my husband was initially told that the rental car had a $ limit - which equated to over a month. Yet 7 days after we received the rental car, the car rental agency left us a phone message which stated "Allstate informed them that we needed to turn the rental car in the next morning or else we would be liable for any additional charges." Allstate had not even informed us. Allstate Claims rep. then told us that "Allstate does not owe us rental until we find a replacement. They only owe 5-7 days of rental after the offer of settlement has been made, even if the offer is not accepted." We understand that Allstate does not owe rental until we find another replacement vehicle - but it is hard to even begin to look the first week, when: 1) we both work full time; 2) we are taking our daughter to her orthopedic doctor appts. (next up an MRI); 3) driving her to/from school; 4) my husband’s doctor appts. for his injury and now going to Physical Therapy; 5) assisting with our aging parents and transporting them to/from hospital/doctor appts. (one had a full knee replacement the day after the accident); 6) our life which we are trying to keep as stable as possible while working late to catch-up on missed work and trying to stay on schedule with our family’s commitments.
The medical bills is another place which I feel the rules are changing. Initially we were told to incur all the medical bills our self, put them through our personal health insurance (thanks goodness we have good coverage). Allstate will settle once all the bills are incurred. We have received several phone calls from the medical claim representatives "checking in & seeing how treatment is going". But - at times it has felt like harassment - questions about pre-existing conditions and the validity of the doctor's visits. I can assure you my daughter and husband did not have anything wrong with them prior to accident - in fact we were planning a ski trip - which will not happen this year due to the accident. If Allstate wanted insight into the medical costs/treatment plans, then Allstate should have taken on the financial burden of the medical bills from the start. A few days ago we received a letter in the mail regarding some computer program which estimates the amount of the medical bills - so we can settle and be done. But - how can we settle - when the doctor's still haven't determined what is really going on with the injuries.
The worst part though is that we had a perfectly good vehicle, that was paid off, that we put in several thousand dollars to keep it running soundly. Now we are faced with Allstate offering us a settlement which will not even buy us the same vehicle, because of the way you calculate the replacement value. Yes - Allstate used 10 vehicles to calculate the comparable value. More than half are 150 miles away, in a lower cost of living area, and have been decremented to compensate for lower mileage, etc., yet you have not increased the value due to it being listed lower because it is in a lower cost of living area. Allstate has also refused to compensate for the repairs we had to our vehicle – stating too much time/mileage has occurred. But – the replacement vehicles out there – which have a higher list price than what you are offering – will need that $3-$4K repair. We cannot take the settlement you are providing and get a decent replacement vehicle without taking on debt.
Because of your insured driver’s reckless actions: We are left without a reliable vehicle; We will need to incur debt to get a reliable vehicle; We have two injured family members; We know Allstate is not acting in our best interest; And we definitely don't feel like we have been in "Good Hands."