by Guest » Sun Mar 27, 2011 10:29 pm
This is a simple rendition of the facts and not slander, lets let everyone reading decide.
On March 16th I applied for auto insurance online and was quoted a very good quote. After going through the process of answering all their questions I was given a higher quote. Nothing unexpected because they had learned that I had 2 DUI's (not my fault), they only had one field to choose from a drop down menu what my infraction was. Understandable that the quote was higher, more risk. Then when it came time to check out and pay, they wanted a down payment that is 2 months worth of payments. Also understandable, new customer they want the money up front. There was a link to click on stating a way to lower your initial payment, once you click on the link it presents a number to call into.
I call the support number and then hash over every detail with the agent on the phone. They acknowledge the fact that I did in fact have 2 DUI's and I quote "lucky you live in Minnesota or else we wouldn't be able to insure you". He later went onto explain that there are only a few states where they can insure someone with multiple infractions. I gladly paid my first payment because my previous insurer will lapse on the 18th of March. I was sent my ID card and Policy via email and downloaded them as instructed to eventually print. I had been operating under the assumption I was insured through my road trip for the NCAA tournament. I get back and come to find out that they had canceled my insurance 6 days after it began. Notified by email, not so much as a courtesy call or letter.
It says in the email to call in for reasoning. I call in and inquire about the reason they have left me unprotected on the road after we had a conversation where no information was withheld. They say the reason was that I had 2 DUI's.
Does this sound unreasonable to anyone else, they were aware of my two infractions prior to accepting my money. Now when I call and am on the phone they start going over my options of partial refund, I realize that the whole system is a scam.
I will let everyone here read into what that means and how a potential scam would be conducted for "high risk" policy holders who are never actually insured though they have paid and are given "options" for refund.
Do with this post what you will but there was nothing in it that would suggest that it is against the rules and regulations of this board.
On March 16th I applied for auto insurance online and was quoted a very good quote. After going through the process of answering all their questions I was given a higher quote. Nothing unexpected because they had learned that I had 2 DUI's (not my fault), they only had one field to choose from a drop down menu what my infraction was. Understandable that the quote was higher, more risk. Then when it came time to check out and pay, they wanted a down payment that is 2 months worth of payments. Also understandable, new customer they want the money up front. There was a link to click on stating a way to lower your initial payment, once you click on the link it presents a number to call into.
I call the support number and then hash over every detail with the agent on the phone. They acknowledge the fact that I did in fact have 2 DUI's and I quote "lucky you live in Minnesota or else we wouldn't be able to insure you". He later went onto explain that there are only a few states where they can insure someone with multiple infractions. I gladly paid my first payment because my previous insurer will lapse on the 18th of March. I was sent my ID card and Policy via email and downloaded them as instructed to eventually print. I had been operating under the assumption I was insured through my road trip for the NCAA tournament. I get back and come to find out that they had canceled my insurance 6 days after it began. Notified by email, not so much as a courtesy call or letter.
It says in the email to call in for reasoning. I call in and inquire about the reason they have left me unprotected on the road after we had a conversation where no information was withheld. They say the reason was that I had 2 DUI's.
Does this sound unreasonable to anyone else, they were aware of my two infractions prior to accepting my money. Now when I call and am on the phone they start going over my options of partial refund, I realize that the whole system is a scam.
I will let everyone here read into what that means and how a potential scam would be conducted for "high risk" policy holders who are never actually insured though they have paid and are given "options" for refund.
Do with this post what you will but there was nothing in it that would suggest that it is against the rules and regulations of this board.
Posted: Sun Mar 27, 2011 11:15 pm Post Subject:
What esurance did was legal. Esurance does not run a motor vehicle report until you pay the first premium. This is what you get for buying online and over an 800# with a salesman licensed in all states. These companies advertise low price with no agent, but they still pay the guy answering the phone and in the end the prices are not cheaper in most cases. Go to an independant agent. There are companies that specialize in sub standard risks like yourself.
Posted: Mon Mar 28, 2011 02:28 am Post Subject:
I had 2 DUI's (not my fault)
How the hell is that possible?
Either you drank and drove or not.
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