Almost back

Although the OP was dealing with their agent, most trouble with insurance companies comes from situations where there is no local, personal agent. In about 10 minutes, I could go online and procure insurance for auto, camper, boat, etc., but then who do you call when you have a problem...the "800 number" on your card. Not me! I prefer to deal with a direct agent, someone that I can call and get serviced by. And truthfully, it doesn't really cost anymore to do it this way...in fact, might cost a little less!

This must be slam Allstate week. We'd had them for years for both home and auto....like probably 20+. When we lived in Memphis we received info that earthquake insurance was available and to call for info. Born and raised in So CA, I called first thing. The rates were reasonable so we added that to our policy. We had it the 4 years we lived there and kept in on the policy when we kept the house as a rental and moved to Jackson - included it on our policy here. Probably 10+ years into it, our renewal info came and in looking at it, I realized that they neglected to include the earthquake part. I called our agent to remind her that it should be included on both houses. She told me they didn't offer earthquake insurance here any longer. I asked her why and the answer was because we live in an area that could have earthquakes. Well, duh! Why would I have taken it out in the first place? Did they not know that the New Madrid fault runs near the MS River? We're 90 miles from there. We live in a part of the country that has tornadoes, but those are covered, but not earthquakes. Stupid! Wonder why they covered our autos since there is a chance we could be involved in an accident.

We did get a lovely new roof compliments of Allstate after a tornado, but have since dropped them. The rates were jumping a ridiculous amount every renewal time. We are now with another company and no more games.

Great that the OP got a resolution and without having to threaten a lawsuit (where nobody wins except the lawyer).

I've often wondered what happens if you need a major repair during the camping season. Do any insurers have loss of use coverage so you can rent a temporary unit? It can't be nice to have your camping season ruined while waiting for an insurance company to decide what they're going to cover and then to wait for the repairs.

Great post OP. That's how you conduct yourself when you've had enough of the run-around.

We have never had any problems with Allstate before and our agent is the best. We have been with them for over 15 years. When our truck was totaled by an uninsured driver in 2011 we had a check in hand in one week.

Sinnettc wrote:
There's a reason Allstate isn't available in Massachusetts; now you know why. Glad they final came through, though it shouldn't take getting the state involved to get them to.

There are a lot of things that not available in Massachusetts, one of the being sunshine.:)

Many states have excluded certain insurers, certain insurance products, and other items. It is beyond my little brain why.

There's a reason Allstate isn't available in Massachusetts; now you know why. Glad they final came through, though it shouldn't take getting the state involved to get them to.

We used to have both our auto and H/O policies with Allstate and never filed a claim. One day, we got a letter saying that they were quitting the H/O business in California in eight months, so we had to find another policy. When we did, we moved our auto as well, to get a bundle price. We told them why we were moving our auto policy, which they didn't seem to understand. They only quit the H/O business, so why would we want to move our auto policy? Duuuh.

About a year or so later, we started getting junk mail from Allstate touting their auto and H/O policies. We still live in CA and assume that the computers that address their junk mail could be programmed not to print address labels in states where they don't do business. But nooo... Double-duuuh.

I've always have good prompt service from All State. Recently had a tire blow out causing $2500 damage. All State promptly agreed to shops estimates, then again when they revised it once they got further into the repairs. Have had a few other claims over the years and same no hassle service.

Great tips MargaretB!

Also if you happen to get a response by telephone from "The Office of the President" of the firm you're working with, the vast majority of time those folks are very well equipped to make you happy.

Sadly I can't say that about Camping World as they (Office of Pres) are stuck following some of the same stupid policies as the rest of the folks in that organization. I can't believe how backwards some of that stuff is while Marcus is out telling everyone else how to do a better job.