Weird insurance policy by Allstate

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Puffy Lux

Hi guys. So I experienced some of the weirdest event I’ve ever been with an insurance company. So here’s the question that I want to ask. I recently had a policy with Allstate. It was $1531 for 6 months. I opted to pay monthly, so that’s $252/month. I only had for a month and had paid for 1 month. I had only used it for 27 days, when I cancelled it. With common sense, I expected they to refund me the 3 days left. But no. They charged me $103 for no damn reasons. Here’s what they said regarding this, which left me hella confused, “Thank you so much for all your patience. The premium for this policy is $1531.90. The amount of days in the policy term are 184. To get the price per day you take the premium from the policy and divide by the days in the policy term. $1531.9/184 = $8.33 price per day. The customer used 27 days of policy coverage. The premium they used is equaled to the price per day * the days of coverage. $8.3327 = $224.91 in earned premium. To get unearned premium you take the total premium and subtract the earned premium. $1531.9-$224.91= $1306.99 To determine the pro rata amount take the unearned premium and multipy by .1. $1306.99.1= $130.699 Policy fees: $0.96 total. Next, we determine how much the customer paid by taking payments made $252.87 – Payments reversed/refunded $0.00 = total paid $252.87. To get the Pro Rata Collection you take earned premium plus fees minus the total paid amount plus pro rata amount. ($224.91+$0.96)-$252.87+130.699= collection/refund amount $103.70” Can someone help me out with this?

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Allstate is asking for a credit card information over email and phone.

Puffy Lux
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I recently started shopping around for renters insurance and I got a call today from a local Allstate agency. The representative that called me saved me over $50 from the price I got from the online quote and I'm very tempted but also very skeptical since he kept pressuring me to pay right then and there and for him to take my card and bank information over the phone with no option to do it online. He confirmed all the information that I put on the online quote including the fake email and even the number checked out to be the one for the local agency. Is this normal and I'm just being paranoid? Thank you

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Allstate changed their minds about insuring my vehicle after 6 months

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Puffy Lux

So here's the situation –

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Back in January we needed to upgrade our large family SUV to accommodate the arrival of our 4th child. We had rented minivans in the past and knew the space was super limited when trying to pack the kids, dogs, and all the fixings in for a weekend camping trip. Knowing this we had our eyes on the bigger vans. So down to Carmax we stroll and at the end of the line of minivans we see a Ford Transit 350 XLT. Alright! Test drive goes good, no issues, low miles, well within our price range, and I'm qualified(first loan I've taken out in ten years). Call up Allstate, give them the info on it, alls well, we sign on the lines.

Fast forward 6 months later, I get a letter in the mail from the DMV that my insurance had been canceled two weeks ago! Knowing they had definitely taken my money this month I called to find out what was going on only to be told that when my policy was up for renewal, they decided since the transit is a 15 passenger, it needed commercial insurance, so they canceled my policy. I received no notification, no phone calls, and have apparently been driving for two weeks without insurance.. idk about the rest of the country but in NY they would tow my vehicle and arrest me if I had been pulled over.

On top of that I purchased the vehicle under the assumption it was covered under my auto policy.

My question is, do I have any legal recourse to this? Can they be held responsible? I financed the vehicle only after allstate agreed to insure it on my policy. Can they just drop me without warning and put me at risk of legal action? I drive for a living, having a suspended license due to this is detrimental to my family.

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Get Auto Insurance Quote – Compare to Allstate, State Farm, Geico

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Click Here——- http://3ainsurancequotes.com ———Click Here Are you paying too much for insurance? We can help you find an answer to this question.

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What Does Car Insurance Typically Cover? | Allstate Insurance

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Shopping for car insurance? Learn about the common types of coverage, including auto liability, comprehensive, collision and more.

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No one wants to think about getting into a car accident, but it’s a risk drivers face every day on the roads. The various types of car insurance coverage are available to help protect you, your passengers and your vehicle in the event of a car accident. Here are some common car insurance coverage options.

Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

  • Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
  • Property damage liability may help pay for damage you cause to another person’s property while driving.

Uninsured and Underinsured Motorist Coverage

If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help.

Uninsured and underinsured motorist coverage is required in some states and optional in other states.

Comprehensive Coverage

Comprehensive may help cover damage to your car from things like theft, fire, natural disasters or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s market value). This coverage has a deductible, which is the amount you’ll pay out of pocket before your insurer reimburses you for a covered claim.

Comprehensive is typically an optional coverage — but your lender may require it if you’re leasing or paying off your vehicle.

Collision Coverage

If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help. This coverage may help pay to repair or replace your car (up to its market value) after you pay your deductible toward a covered claim.

Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender.

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Coverage may help pay for hospital visits, surgery, X-rays and more.

Medical payments coverage is required in some states and optional in others.

Personal Injury Protection

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost income.

Personal injury protection is required in some states and optional in other states where it’s available.

The typical components of an auto insurance policy are available to help protect you and your vehicle. Need help understanding which coverages are required and optional in your state? Talk to a local agent, who can help you choose the options that are right for you.

https://www.allstate.com/tr/car-insurance/components-auto-insurance.aspx

Allstate Commercial (11-13-18)

Allstate Commercial (11-13-18)
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1979 Allstate Car Insurance “The Good Hands People” TV Commercial

1979 Allstate Car Insurance "The Good Hands People" TV Commercial
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The commercial was originally aired on February 11th, 1979. It was run during the movie “Gone With The Wind” on WWL Channel 4 in New Orleans LA. WWL Channel 4 was the CBS in New Orleans.

If you are interested in more commercials like this search “ewjxn” and what your looking for in the YouTube search box. We have thousands and thousands of more commercials in our archive. We add 5 to 10 new clips a day from the 1970’s to the 1990’s so be sure to subscribe for your daily trip back in time.

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“Meant to Be” | Allstate Insurance

"Meant to Be" | Allstate Insurance
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Explore the journey of Dannielle Thomas, who as a small girl, learns what it means to be generous, kind, and compassionate by watching her father – an Allstate Agent. As she grows up, she understands what it means to be a good person, in life and in business. And as an adult, she continues in her father’s footsteps by continuing his legacy of goodness.

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How to Jump Start a Car | Allstate Insurance

How to Jump Start a Car | Allstate Insurance
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Every car may have a dead battery from time to time, but you can be prepared to get it running again. From having jumper cables in your car to calling for assistance, here’s what you need to know about jump starting a car.

Learn more: http://a.ll.st/4VQr4H

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5 Steps to Help Overcome a Financial Setback | Allstate Insurance

5 Steps to Help Overcome a Financial Setback | Allstate Insurance
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Financial setbacks can happen at any time. Watch as personal finance author Stefanie O’Connell explains five steps to help overcome it: https://blog.allstate.com/overcome-financial-setback/