Allstate Insurance helping raise awareness for riders
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Road Captain
Joined: Apr 2007
Posts: 600
Likes: 16
From: Arizona
Allstate Insurance helping raise awareness for riders
http://www.kpho.com/story/15876033/a...gns-in-phoenix
I switched to allstate yesterday (before I found this article) because foremost sucks. They jacked my rates up because I financed my new bike (credit inquiry,duh) and because 35 years of unblemished credit history was deemed to short of a period of time, which they said meant I was at risk of filing a claim. I got full coverage on two Harleys for less than foremost charged for one, and better coverage to boot.
Anyway, I think it's awesome that allstate is helping to raise awareness for riders.
I switched to allstate yesterday (before I found this article) because foremost sucks. They jacked my rates up because I financed my new bike (credit inquiry,duh) and because 35 years of unblemished credit history was deemed to short of a period of time, which they said meant I was at risk of filing a claim. I got full coverage on two Harleys for less than foremost charged for one, and better coverage to boot.
Anyway, I think it's awesome that allstate is helping to raise awareness for riders.
Tourer
Joined: Oct 2010
Posts: 436
Likes: 0
From: Pittsburgh PA
Good on them!
Coincidentally enough I am working with All State agent right now on switching all my auto, bike, and homeowners insurance to them.
Do you have any advice as far as anything to watch out for in the bike coverage? When I got my bike last year I went with Progressive purely (and I'm not proud of this) because they turned around the app instantly online. I didn't put a bunch of thought into it.
This time I am and want to make sure I'm not missing something obvious that could come back to bite me. These are the limits I am considering:
Bodily Injury** * $250,000/$500,000
Guest Liability * $250,000/$500,000
Property Damage * $50,000
Uninsured Motorist Bodily Injury *$250,000/$500,000
Underinsured Motorist Bodily Injury *$250,000/$500,000
Basic Pedestrian Benefit * $5,000
Collision * $500 deductible
Comprehensive * $500 deductible
Towing and Labor * $50/occurrence
Optional Equipment * $5,000
In PA, bike insurance automatically gets a "Full Tort" status so you're not limited in recovering for losses.
I'm trying to see if I can lower the UM and UIM so it stacks with my cars, but haven't heard back yet if that is possible.
Coincidentally enough I am working with All State agent right now on switching all my auto, bike, and homeowners insurance to them.
Do you have any advice as far as anything to watch out for in the bike coverage? When I got my bike last year I went with Progressive purely (and I'm not proud of this) because they turned around the app instantly online. I didn't put a bunch of thought into it.
This time I am and want to make sure I'm not missing something obvious that could come back to bite me. These are the limits I am considering:
Bodily Injury** * $250,000/$500,000
Guest Liability * $250,000/$500,000
Property Damage * $50,000
Uninsured Motorist Bodily Injury *$250,000/$500,000
Underinsured Motorist Bodily Injury *$250,000/$500,000
Basic Pedestrian Benefit * $5,000
Collision * $500 deductible
Comprehensive * $500 deductible
Towing and Labor * $50/occurrence
Optional Equipment * $5,000
In PA, bike insurance automatically gets a "Full Tort" status so you're not limited in recovering for losses.
I'm trying to see if I can lower the UM and UIM so it stacks with my cars, but haven't heard back yet if that is possible.
Seasoned HDF Member
Joined: Feb 2009
Posts: 5,542
Likes: 6,196
From: In your head rent free
The lady that ran me down while I was sitting still at a red light last June has Allstate.
Allstate took 100% liability on behalf of their insured.
Four months later:
They haven't paid any of the medical.
They haven't paid the full repair costs.
They haven't paid supplemental costs.
They refused a rental.
I have had to file a lawsuit against their insured to recover my losses because Allstate is so hideous to deal with.
Allstate tried to hit me with a "contributory negligence" because I rode an "inherently unsafe" form of transportation.
Allstate accused me of inflating damages because their insured only suffered minor damage, but the bike was hit for almost $6000.00.
Allstate accused me of inflating my medical costs because their insured only had minor damage. The agent said that if I was in a car, I would not have gotten hurt, so they shouldn't be responsible.
Good luck with that anti-motorcycle company.
Allstate took 100% liability on behalf of their insured.
Four months later:
They haven't paid any of the medical.
They haven't paid the full repair costs.
They haven't paid supplemental costs.
They refused a rental.
I have had to file a lawsuit against their insured to recover my losses because Allstate is so hideous to deal with.
Allstate tried to hit me with a "contributory negligence" because I rode an "inherently unsafe" form of transportation.
Allstate accused me of inflating damages because their insured only suffered minor damage, but the bike was hit for almost $6000.00.
Allstate accused me of inflating my medical costs because their insured only had minor damage. The agent said that if I was in a car, I would not have gotten hurt, so they shouldn't be responsible.
Good luck with that anti-motorcycle company.
Last edited by Toypuller; Oct 28, 2011 at 08:59 AM.
Tourer
Joined: Sep 2011
Posts: 360
Likes: 0
From: Central Florida
The agent said that if I was in a car, I would not have gotten hurt, so they shouldn't be responsible.
Of course, if you'd been at home in bed, you wouldn't have gotten hurt either. Is that their standard of measure?
:-)
Of course, if you'd been at home in bed, you wouldn't have gotten hurt either. Is that their standard of measure?
:-)
Elite HDF Member
Joined: Feb 2008
Posts: 3,817
Likes: 2
From: Novi MI
Allstate has one of the worst claims history of any company.
http://www.badfaithinsurance.org/indexdetaillist.html
http://www.badfaithinsurance.org/indexdetaillist.html
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Banned
Joined: Oct 2009
Posts: 20,823
Likes: 1,506
From: Nowhere
I was a faithful Allstate customer for literally decades. Paid my premiums on time and never complained when they went up. With 3 teenagers driving at the same time though, I had to find someplace to cut expenses and started shopping around. Geico was 1/2 what Allstate was charging at the time... maybe a little less than half. I was shocked, happy to find the savings, but furious at the thought of how much money I had been wasting.
It made me wonder... How long had Allstate been gouging me simply because I was loyal?
I will never own Allstate insurance ever again as a matter of principle. I hope they go out of business. I was a little worried about customer service with Geico, since it was so much cheaper. But, I had to file a couple of claims with them (3 teenagers... duh) and in each case, I was treated incredibly well and fairly. So far, I am very happy with the switch.
I use Progressive for my motorcycle insurance, because they are cheaper than even Geico. I've never had to file a claim with them (knocks on wood), so I do not know how good their customer service is. I may switch everything to Geico (including home) this year though, since I have had such a good experience with them.
It made me wonder... How long had Allstate been gouging me simply because I was loyal?
I will never own Allstate insurance ever again as a matter of principle. I hope they go out of business. I was a little worried about customer service with Geico, since it was so much cheaper. But, I had to file a couple of claims with them (3 teenagers... duh) and in each case, I was treated incredibly well and fairly. So far, I am very happy with the switch.
I use Progressive for my motorcycle insurance, because they are cheaper than even Geico. I've never had to file a claim with them (knocks on wood), so I do not know how good their customer service is. I may switch everything to Geico (including home) this year though, since I have had such a good experience with them.
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Road Captain
Joined: Jul 2011
Posts: 565
Likes: 0
From: Ohio
We HAD Allstate, Our house was hit hard during a monster hail storm and the adjusters (husband and wife team) they sent out gave us repair prices that was from three years prior. The only way we found out was from a contractor friend that has seen them pull that crap before. ***** Allstate.
Road Captain
Joined: May 2011
Posts: 523
Likes: 2
From: New England
I have Progressive for my motorcycle insurance. But I bought it through a local agent. She also insured my two trucks, my two houses (one is a rental) and my camper. She is independent so she shops for the best price. I may pay a little more than if I did it myself, but I can reach her anytime. She gave me her office and cell phone. If I have any questions or problems, I don't have to call an 800 number, I call her and she takes care it. Some things are worth a few extra bucks.