- Report: #786526
Complaint Review: AAA Insurance Company - St. Louis Missouri
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AAA Insurance Company
12901 North Forty Drive St. Louis, 63141 Missouri, United States of America
Phone:
866-222-2378
Web:
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AAA Insurance Company RIP-OFF UNFAIR INSURANCE PREMIUM INCREASES ON THE UNEMPLOYED, EXTORTION!!!! Saint Louis, Missouri
I have used AAA Insurance as my automobile insurance provider for close to ten years, as my son also did for many years. Neither of us have accident, tickets, anything on our records. I have paid average premiums of $67 a month, when my son was on the policy was double that amount. Then a couple of weeks ago I received a letter, questionnaire from them digging for information so that they could increase my premiums (happened to be right after all the storms)and I know exactly what they are up to because I worked for Economy Insurance Company when I was in my early 20,s as a "application verifier" and was
required to do this very job, so I know the questions they ask and why! They were trying to jack my rates up because of a small business I have on the side selling health and nutrition products, which is shipped directly to customers from the companies location but I only sell it, so I can purchase if for myself at discount, so my car is not used for business purposes. Since I lost my other full-time job in May of 2011, my car does nothing but sit in my drive way. When I was working, I rode the Metro every day, so I have basically handed my money to them for nothing the whole time I have had insurance with them!! Then I had a truck pass me, one of thousands of speeders I see on the road daily who they never contact, and it threw a rock up and chipped my window. I contacted my agent at Page Insurance Agency 54 Crownview Mt. Vernon, IL. 62864 618-242-7000 after I contacted the claims number at AAA Insurance 12901 North Forty Drive, St. Louis, Mo. 63141 866-222-2378 because
the girl I talked to there made every excuse in the book as to why they would not cover having the chip filled (although I have full coverage insurance), it would have cost them $27 to fix it. She said they changed the rules recently and now only cover such for people who have a 0 deductible on comprehensive coverage, mine is $500 deductible. I told her how I felt about giving my money away to them and that the rates were already too high for my driving record and age and that I was going to look around for other insurance, her response was "GO AHEAD!" So, I contacted my agent to do so and she said she would try with another
insurance company she works with and see if she could get me a lower premium.
She explained they were a smaller company and better to work with. I told her I had lost my job, so my credit may not be as good, but she could try anyway. I received a letter with a quote that was around $100 mo. from this other company, which I threw in the trash can!! Now, a week later have received a renewal notice from AAA Insurance and they have jacked my monthly premium from $67 mo. to $77 mo., with an attached Fair Credit reporting act notice from LexisNexis Risk Solutions, Inc. PO BOX 105108 Atlanta, Ga. 30348-5108 800-456-6004,claiming they were raising my premium $10 month because my credit
rating had dropped, so my insurance score was lower due to # of delinquent accounts with 30 day late payments, # of accounts with 30 day or worse late payments in last 24 months account with a reported delinquency status including bad debt(lost my job May 2011, my bills are $2000 mo. my unemployment is $237mo. I am eating from a food bank, of course my payments are
behind, no job, no payments, but this is NOT a legitimate reason to jack up my insurance rates so they can cover their losses from the storms this year), # of accounts that have been established (have not opened any new accounts or used any credit cards in three years)! They deliberately used this credit report they pulled on me to not only deny me the ability to switch companies, as they both inflated the rate, but used it to jack my premium up further due to my job loss and associated late payments!! This is extortion!! How do they expect me to pay more if I am having trouble paying the regular payment I owe now??
They think people are supposed to just HAND them FREE money and never use their insurance, this is theft!
required to do this very job, so I know the questions they ask and why! They were trying to jack my rates up because of a small business I have on the side selling health and nutrition products, which is shipped directly to customers from the companies location but I only sell it, so I can purchase if for myself at discount, so my car is not used for business purposes. Since I lost my other full-time job in May of 2011, my car does nothing but sit in my drive way. When I was working, I rode the Metro every day, so I have basically handed my money to them for nothing the whole time I have had insurance with them!! Then I had a truck pass me, one of thousands of speeders I see on the road daily who they never contact, and it threw a rock up and chipped my window. I contacted my agent at Page Insurance Agency 54 Crownview Mt. Vernon, IL. 62864 618-242-7000 after I contacted the claims number at AAA Insurance 12901 North Forty Drive, St. Louis, Mo. 63141 866-222-2378 because
the girl I talked to there made every excuse in the book as to why they would not cover having the chip filled (although I have full coverage insurance), it would have cost them $27 to fix it. She said they changed the rules recently and now only cover such for people who have a 0 deductible on comprehensive coverage, mine is $500 deductible. I told her how I felt about giving my money away to them and that the rates were already too high for my driving record and age and that I was going to look around for other insurance, her response was "GO AHEAD!" So, I contacted my agent to do so and she said she would try with another
insurance company she works with and see if she could get me a lower premium.
She explained they were a smaller company and better to work with. I told her I had lost my job, so my credit may not be as good, but she could try anyway. I received a letter with a quote that was around $100 mo. from this other company, which I threw in the trash can!! Now, a week later have received a renewal notice from AAA Insurance and they have jacked my monthly premium from $67 mo. to $77 mo., with an attached Fair Credit reporting act notice from LexisNexis Risk Solutions, Inc. PO BOX 105108 Atlanta, Ga. 30348-5108 800-456-6004,claiming they were raising my premium $10 month because my credit
rating had dropped, so my insurance score was lower due to # of delinquent accounts with 30 day late payments, # of accounts with 30 day or worse late payments in last 24 months account with a reported delinquency status including bad debt(lost my job May 2011, my bills are $2000 mo. my unemployment is $237mo. I am eating from a food bank, of course my payments are
behind, no job, no payments, but this is NOT a legitimate reason to jack up my insurance rates so they can cover their losses from the storms this year), # of accounts that have been established (have not opened any new accounts or used any credit cards in three years)! They deliberately used this credit report they pulled on me to not only deny me the ability to switch companies, as they both inflated the rate, but used it to jack my premium up further due to my job loss and associated late payments!! This is extortion!! How do they expect me to pay more if I am having trouble paying the regular payment I owe now??
They think people are supposed to just HAND them FREE money and never use their insurance, this is theft!
4 Updates & Rebuttals
Joanna
Salem,Illinois,
Unacceptable!
#2Author of original report
Mon, May 12, 2014
There is absolutley NO PROOF that someones credit score being lowered in any way causes a person to be a higher insurance risk!! That is NONSENSE and just another way the companies in this country have found to take more money from the people!! My premiums when I was 16yrs old were $150 yr. for full coverage. My premiums now are $700yr. for half the coverage I was getting back then. My credit rating has dropped only a few points during this recession and due to job layoffs. I have had one ticket in my life, when I was 17yrs. old for speeding, no accidents ever and no other tickets since and I am almost 50yrs. old, There is NO EXCUSE AND IT IS UNACCEPTABLE that my insurance should be raised in any manner, they should in fact lower it for the simple fact that I have been such a good and longterm customer...oh, yes, but that is not how businesses operate in this country NOWADAYS!! It is ALL about them and the almight dollar, there are no morals, no ethics, no GOOD business practices now!! That is exactly what the problem is in this country...the old ways were the RIGHT ways of doing business and need to come back!! They should be trying to get business by offering the most to their customers at the lowest cost and more importantly trying to retain the good business they have, which is common sense, not trying to run them off with the attitude of "Well, you can just go somewhere else if you are not happy", they will in time go under, no matter how big they are, with this attitude. I have two business degrees, graduated magna c*m laude from a private Christian university so I think like the good businesses of the past, have worked in the business world for 30yrs., my parents ran a successful business for 25yrs., have worked in the federal government and private sector in investment banking. I have seen all kinds of businesses and how they are run from the inside out. I also worked for two different insurance companies by the way. It is now all about making big profits and paying as little out as they can, greed. So, don't waste your time trying to justify rate increases to me. I am not listening and neither will most of the well educated in this country!! It is time for either the businesses to start caring about and treating their customers as they did in the past or for them to be run out of this country and replaced by business people and businesses who can!! I, as well as most americans are fed up with the greed!!
JoAnna Toth
Katchin
Florida,All to familiar...
#3Consumer Comment
Sun, May 11, 2014
My story seems to be all to familiar to what this person is saying...
I have had AAA Car Insurance for over 10yrs. I was without work for three yrs due to injury on the job and then denied 148K back-pay thru my worker's comp claim. Since 08 I went from making 48-60K a year to not making more than 10k a yr (with the exception of one year).
In 07 (when I still had a good income) I too was trying to get my windsheild replace and they would not warrant the replacement. My rates also were dramadically increased from $67. a month to what I am now paying (and have been paying for over four yrs) which is 107.50 for only the lowest basic liability coverage, on a vechicle that is a 96, and I drive it less than 200 miles a month.
I've known for a very long time that insurance companies go by your credit report. I was a 23yr+ safe driver, and a semi driver off and on for 17+yrs (mostly city work), but I've put a lot of miles under my belt over the yrs, more than the average person with driving professionally.
I was involved in a car accident, which I was confident was an "insurance scam." Lost my Class A driving job over it, and my career once processed through the MVR. AAA refused to investigate the accident and simply did the pay-off. Then three yrs later, sitting in the median waiting to pull out into traffic, a guy in a pick-up came from across the road and destroyed the drivers side front end of my car. Again, the investigation was minimal. The police wouldn't site the guy because I didn't have a witness. The other driver lied about what happened. He was paid off over $4700. for repairs to his truck. My car was totaled.
Yes I was paid just shy of $1500. for my car, but it didn't help me save my job in the process.
My rates were increased prior to all this happening. But I'm sure it was all due to my; credit report, bankrupcy, and after yrs of fighting the system, finally loosing my home in foreclosure. Altogether another story, because my own lawyer got up in front of the judge and lied about my case and when I retained him, asking for more time. Filing against him with FL Bar & Federal Trade Comm didn't even help me. But another story...
My point being: I would have to agree with AAA Auto Club Insurance not being the best company to have. Last month I asked them for a review, because it has been four yrs since the "insurance scam" accident. Took me asking twice to even get help with a review. My rates went "up," even though my credit score isn't nearly as bad as it was couple yrs ago, so that certainly didn't help.
I only came across this story, looking for a way to file a complaint against a business that uses AAA for discounts. Two days of searching, still can't find a way to do it online...
Flynrider
Phoenix,Arizona,
USA
Can't see the ripoff.
#4Consumer Comment
Sun, October 09, 2011
I read through your whole report and I'm still waiting for the ripoff. So your insurance company wants to raise your rate because of your credit report. Not a huge surprise. Insurance companies have been basing their rates, in part, on credit scores for over a decade. Of course, no one complains when their insurance costs less because of their good credit.
Decades ago, insurers figured out that there was a direct relationship between credit scores and claim payouts. If your credit score drops, you become more of a risk (mathematically) and your premium reflects that.
Bottom line, this is not extortion or a ripoff. It's the way insurance works. You are free to get your insurance from someone that charges less than AAA. What? You say everyone else wants even more than AAA? Wouldn't that make the folks at AAA the good guys?
Ken
Greeley,Colorado,
USA
How is this "Extortion?"
#5Consumer Comment
Sun, October 09, 2011
"Extortion (also called shakedown, outwresting, and exaction) is a criminal offence which occurs when a person unlawfully obtains either money, property or services from a person(s), entity, or institution, through coercion"
"This is extortion!!" This is from the text of your Ripoff Report.
If true, you are obligated to notify law enforcement and the insurance commissioner for your state....or is it just bluster and hyperbole?
Sorry for your hard times and I too find it odd that credit reports are used to determine rates, but the insurers seem to feel it increases their risk(s).
