- Report: #93632
Complaint Review: Allstate - Essex Maryland
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Allstate
1b Nashua Ct , Essex, Maryland Essex, Maryland, U.S.A.
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Allstate The "Good Hands People" - Until You Make a Claim Essex Maryland
I had AllState for approximately 5 years when I filed for a major claim. My husband and I rented a private garage but before we rented this garage, I called my agent and asked if my homeowner's insurance would cover this garage that's not on our property. He said that it would and therefore, we proceeded with rental agreement. Six months into the rental, the garage was broken into and all the expensive tools that were stored were stolen. We filed a police report and contacted Allstate. We provided the police report and the value of the tools. The tools were valued around $2,000. We received $200 from Allstate. I contacted my agent but he said there was nothing he could do so we took Allstate to court.
I never cashed the $200 check. In court, their high priced lawyers (we were very young and were wrongly advised that we didn't need a lawyer because it was a small clamis court) claimed that the garage was never covered. If it was never covered, then why did they send a $200 check? This clearly shows acknowledgement of coverage. Unfortunately, the judge ruled in their favor even though I showed him the uncashed check.
Think twice before signing up with Allstate and if you have to take them to court, make sure you consult with a lawyer.
You're in "good hands" - just don't make any claims with them.
Cienna
Timonium, Maryland
U.S.A.
I never cashed the $200 check. In court, their high priced lawyers (we were very young and were wrongly advised that we didn't need a lawyer because it was a small clamis court) claimed that the garage was never covered. If it was never covered, then why did they send a $200 check? This clearly shows acknowledgement of coverage. Unfortunately, the judge ruled in their favor even though I showed him the uncashed check.
Think twice before signing up with Allstate and if you have to take them to court, make sure you consult with a lawyer.
You're in "good hands" - just don't make any claims with them.
Cienna
Timonium, Maryland
U.S.A.
2 Updates & Rebuttals
David
Arlington,Virginia,
U.S.A.
coverage amount
#2Consumer Suggestion
Fri, January 20, 2006
i don't think that even if it did cover your theft loss, it would have covered the full $2000. our Allstate policy only covers a certain amount of jewelry, guns, watches, etc... if the estimate of your total personal property coverage was $100,000. it doesn't mean that if you have $50,000 in jewelry that it would cover it all within that $100,000. i know that if you have professional equipment in the house, ie. you're a musician with expensive equipment...you'd have to buy addtional coverage. the base policy has limits. sounds like that $200 was after a deductible which could've been $250-1000. you were not clear about this. because there definitely was a deductible.
Vanessa
Buckeye,Arizona,
U.S.A.
File a claim under the agent's E & O policy
#3Consumer Suggestion
Wed, July 14, 2004
Every insurance agent is required to carry an "Errors & Omissions" Insurance policy. This provides coverage if the agent fails to tell you something necessary or tells you something incorrectly. If you can document that your agent told you the garage would be covered, I would file a claim under that policy. Your agent never has the final say when it comes to what is covered and what is not. That interpretation is up to the claims adjustor. If you're agent was unsure if there was coverage for your garage, he should've referred you to the Claims Dept. Once he told you it was covered, I would think the company would've been bound to that. ALWAYS GET EVERYTHING IN WRITING or make the agent give you a copy of the policy that shows you exactly what is covered.
