06-23-07
THE ALLSTATE CORPORATION
NOMINATING AND GOVERNANCE COMMITTEE
C/O GENERAL COUNSEL
ALLSTATE INSURANCE COMPANY
2775 SANDERS RD STE F8
NORTHBROOK, IL 60062
Re: Request for Refund – Policy Cancellation Request
Dear Sir or Madam,
Please cancel the policy shown below as this coverage has been replaced by a policy written through (another company) effective June 23, 2007. Please process all account refunds immediately and send to the address below:
THE HEDONISTIC PLEASURESEEKER
HOME INSURANCE
POLICY# XXXXXXXX
Thank you. I want to make perfectly clear why I have switched to another company. Allstate has a horrid reputation for conducting business in bad faith. I am not surprised by this as my treatment during my ONE claim during all these years with Allstate was downright insulting. My claim was small, so small that my attorney said your breach of our contract wasn’t worth taking on as a case or even fighting. I’m sure everyone at Corporate was counting on this. It wasn’t until years later that I learned of the multi million dollar PUNITIVE damages levied against Allstate for acting with oppression, malice and outright fraud.
Your employees are very polite and friendly, so obviously courtesy is not at issue here. Allstate employees are a part of our communities and I’m sure they work hard. I like to imagine that they secretly hate all of you anyway because it helps me sleep at night. Anyway, my issue has to do with your business practices. Betraying your customers in favor of shareholders is clearly an integral part of Allstate’s business plan, and frankly your CEO and your Board of Directors ought to be ashamed of themselves.
When I, a single mom trying to make it on my own, contracted with Allstate I had very little money and few options. Because of Allstate’s “business plan” I lived with an enormous hole in my ceiling and ruined floorboards for TWO YEARS before I could pay out-of-pocket for someone to replace half of my ceiling and insulation. My medical bills skyrocketed due to the toxic attic debris (insulation) and the mold spores that blew through my entire house and gave me and my daughter asthma attacks. All because I had no money to apply toward these kinds of disasters. That’s what I bought home insurance for.
Fortunately for myself and my family, today I earn enough money to afford to pay higher rates to a more reputable company. I also have a pretty big platform now on which to express my opinion of Allstate. Most people don’t. Poor people come to Allstate because they are attracted by the low rates. Unfortunately for them they are the ones LEAST ABLE TO COPE financially when disaster strikes. They submit their claims in good faith, your adjusters reflexively deny their claims, and then proceed to run them through the wringer until they give up. Furthermore, you KNOW that most of your customers can’t afford to hire attorneys. How convenient for you monsters.
Someday the internet buzz will do you in.
Cordially,
THE HEDONISTIC PLEASURESEEKER
8 responses so far ↓
Loving Annie // June 26, 2007 at 4:37 pm |
I hope you are right. The insurance companies need to be exposed, and the whistle blown on their shennanigans.
profacero // June 26, 2007 at 7:09 pm |
Yes, Allstate sucks and the insurance companies are terrible. And I have been having adventures with a friend’s health insurance. I thought mine was bad but nooo… how about, if for one healthy person your part of the premium is $357, and your deductible is $2500, and the hospitals with the good specialists are not in the program. And that is the insurance that comes with a “good” job
Beavis // June 26, 2007 at 9:34 pm |
Now this is a good use of your blog. Fighting the titans in the ivory towers.
Insurance companies are fair weather friends, foul weather (no pun intended) enemies.
People are being cheated everyday. Honest hardworking people that fell for the catch phrase “your in good hands with Allstate”. They may be the worst of the bunchm as they have scrwed the most people.
After Katrina, you should have heard the excuses. And they pick on blacks.
You have my permission to tee off on any of them.
hedonisticpleasureseeker // June 27, 2007 at 12:56 am |
I just loooooooooove how all the mail going to Allstate’s corporate offices is to be addressed “in care of our attorneys.” THATS HOW MUCH HATE MAIL THEY GET.
VJ // June 27, 2007 at 6:24 am |
It’s all a miserable huge ponzi scheme, and ALL of them should have their anti-trust protection yanked ASAP. How they ever got this multi-billion dollar ‘gift’ was the corrupt bargain of the age. But regardless, you can pay into them for decades, and then file just one claim, and they’ll drop you like a hot cake. It’s always ‘tails I win, heads you lose’ with them.
On the health insurance scams see the new Mike Moore movie ‘Sicko’, and know that it’s 10 times worse out there for many folks. At least 1/3 of the populace does not have any health insurance, (most of these folks, 2/3’s are employed full time too), and upwards of 40-50% of all kids are inadequately covered or not at all. It’s a shame, it’s a crime & a national disgrace. If you want to see the actions of manifest evil in the world, know that it exists deep in the beating black heart of every Insurance corporation. It beats in time to the obscene profits they then pay out to their executives at 10’s of millions at a pop. It beats to deny coverage to everyone who’s contributed to those 25-30% profits for years & decades, and then dare to file any claim whatsoever. I’m really surprised that more folks don’t take to shooting at them when they come around to screwing more neighborhoods & innocent folks down NOLA & MS way after their Katrina debacles too. Gitmo would be too kind for the lot of ‘em. And I’m just getting started. Cheers, ‘VJ’
KatHatesAllstate // September 16, 2007 at 4:03 pm |
Keep spreading the word honey! I ask everyone I meet who they are insured by. I’ve posted my story on multiple websites and I continue to fight allsucks over 2 years after I lost everything in my apartment fire.
http://www.myspace.com/girlundercover
http://www.myspace.com/allstatevictim
http://www.kathatesallstate.com
Marguerite Acosta // January 19, 2009 at 7:22 am |
My son borrowed our truck on Christmas eve to go pick up a bed for our grandson, he was rearended by an Allstate insured driver . As we arrived on the wreck site, he and his passenger were being carried away in an ambulance and the truck was being towed by the police. It started raining, and I caught a cold and am still sick… After fourteen days, we finally found out the name of the driver and his insurance company. My son called in a claim for injuries, and told them our truck damaged. I never received a call, and after two more days, I called them. Our truck was viewed by my insurance agent and viewed as totalled. The Allstate driver was tuning his radio and didn’t notice traffic had stopped for a turning vehicle. My son saw the hit coming, but on the small two lane road, there was no curb to get over onto. He never hit his brakes. The 2002/03 Dodge was hit so hard it broke the back window and the bed of the truck buckled. I was advised that they are only going to offer us the current value of our vehicle, however, I now realize that we are about to be royally shafted. I have been reading, and we are going through a living nightmare, no vehicle, the note is still due and payable, and it has been nearly a month. I will be calling again today, but after reading all the complaints, feel really sick at my stomach. I am not sure what we can do, at this point. Any suggestions? Thanks.
The Hedonistic Pleasureseeker // January 19, 2009 at 1:56 pm |
Oh dear I am so sorry to hear that!
If you think it would be worth it, call a “public adjuster.” There are people who used to work in the insurance industry who know all the tricks but who now work for the “little guy,” i.e., you and me.
They would take a portion(%) of the settlement in fee so you would have to work it out in your head whether you think it is worth it. If the adjuster can get you a better settlement you might be happy paying the fee! The one I spoke with was VERY nice, but said for the small amount of money involved I was better off calling the state and registering a complaint. Not that registering the complaint would result in my getting any money.