Allstate Insurance

I consider Allstate a scam company because they completely lie when they say "you are in good hands with Allstate". My house power was affected by aerial lightning and Allstate immediately denied my claim. After I became very furious, Allstate asked me to have the house inspected by an electrician, a/c technician, appliance repair man and garage door repair man and after I submitted their estimates, Allstate decided to send an electrician to inspect the house. Allstate should have sent the electrician as soon as I filed the claim and shouldn't have made me waste my time. It has been more than 3 weeks and the house electrical system has not been restored. As soon as I can I am going to cancel my Allstate house insurance policies.

In February of 2017, my wife and I were shopping for a new car insurance carrier since our 16 year old son was about to start taking driving lessons. We had heard about some insurance companies granting discounts for official driver training. Knowing that adding a teenaged driver to an insurance policy was going to be expensive, we shopped around for a carrier that granted those discounts as our then carrier did not. After trying several, I contacted a local Allstate office and spoke to Mary Ann Tillotson in the York, PA office of Allen ***. She discussed switching our car insurance over to Allstate and advised that Allstate does offer discounts to student drivers that obtain certificates for completing official driving programs. She then asked if we would be interested in switching over our homeowner’s insurance to Allstate as well for even more discounts. I advised that we currently had a State Auto policy (through *** Insurance Agency in Hereford, MD) and have had them for over 20 years. Long enough in fact that our deductible payment was still $250.00. We had only ever used our homeowner’s insurance to file one claim. I asked if the Allstate policy was comparable to my current State Auto policy. Mary Ann advised me that not only was it comparable, but that it was better in some instances. Having not read any fine details (as none were provided until after I had switched), we decided to switch both car and homeowner’s insurance to Allstate.

Fast forward to a hail storm in May (10th to be exact), and after the vast majority of our neighbors were getting their rooves inspected for damage, we decided to do the same. We eventually decided to contract with *** Roofing. Travis *** is the representative that we have been dealing with at ***. He inspected our roof, took numerous pictures, and advised that it was in fact heavily damaged from the hail storm. He provided my wife and I with information to discuss this with our homeowner’s insurance and stated not to worry as it would no doubt be fully covered like all the rest of the homes in the area. Our direct neighbor, the *** family, also have Allstate, and advised my wife that they had already gone further into the process and that they were getting a brand-new roof for the cost of their deductible.

I then contacted Allstate, went through the claim filing process, and a contracted inspector visited our home with Travis from *** Roofing. The inspector advised that we have a “House and Home Policy” that would cover the damages, however there was a provision in the policy that allotted for a 3% depreciation per year regarding roof replacement. Being that our house is 17 years old, our cost would be 51% and Allstate would pay for 49%. After speaking with our neighbors (the Allstate customers), as well as several others in the surrounding area, all of them were getting their rooves replaced for the cost of their deductible. Travis from *** Roofing advised that he has dozens of clients in our neighborhood, and only one other client has a similar insurance policy in which they have to pay more than their deductible.

I contacted *** Insurance Agency (carrier for *** to inquire about my previous homeowner’s policy. The representative that I spoke with confirmed that the policy I did have would have paid for the replacement cost 100% and we would have only been responsible for the deductible.

My wife then called Mr. and spoke with him for over an hour on the phone. She advised him that the policy we were sold as “comparable” was indeed nowhere close to being comparable. Mr. attempted to tout the flood insurance aspect of it being better than our previous policy, continuing to ignore the fact that Mary Ann from his office sold us a policy under false pretenses that it was comparable to what we had. If it were, we would only be paying the deductible instead of over $5,000 that we do not have. He suggested that we call our contractor and ask if we were being charged for “upgraded shingles” (as if that would make a huge difference in our cost). He also advised that he was going to provide us with a list of several contractors to try in getting a better cost (to which he never did). He spoke to her several times of his experience of just having replaced his roof for about $5,000. All of these comments in our opinion were made to deter us from pursuing the filing of a complaint. He even suggested that we ask our contractor to pay for our deductible. When I mentioned this to Travis from ***, Travis said that was illegal.

This particular insurance company should be eliminated. My husband, 5 year old daughter, and myself were rear ended by a negligent driver. I only had my brand new 2018 *** Accord for two days! If that wasn’t bad enough All state treated my family like dirt. The driver admitted fault and the police report obtained clearly stated the other other driver was at fault. All State determined I was clearly not to blame. With all this I was still treated like it was my fault. They nickeled and dime everything they could including not wanting to cover the cost for a full size rental car even though it is impossible to place two booster seats in an economy sized vehicle. After taking an entire day to get this problem resolved they charged me $200 for the rental car because the body shop took longer to fix my vehicle and according to them they shouldn’t have to furnish a rental car because of that. The customer service consisted rudeness, ignorance and disrespect. One particular associate, Tabitha *** expressed no concern for anything I had to say. She spoke over me, left me on hold for well over 35 minuets, was rude and did not even try to address any of my concerns. When I asked for her name she immediately responded “would you like my last name as well so you will have it”. This insurance company is horrendous and should be wiped off the face of the earth!

I want to share my experience with all state, they charged me over $100 beacuase of adding additional diver without notifying me as the owner of the policy it is better to pay anywhere else a little more $ and get good service, this ppl are the WORSE don't use Allstate

07/09/2018
RE: Public complain to Allstate Indemnity Company, regarding the claim no: SSN; Policy Number: 0SSN7; We are not in good hands.
Dear Sir/Madam,
My name is Jemmy ***. I have to file this independent public complain to Allstate Indemnity Company regarding the poor handling of Allstate in the claim no: SSN; Policy Number: 0SSN7
I have a vandalism loss on my rental property at ***, date of loss: 05/14/2018. We are insured under Allstate. Allstate only willing to cover the loss for $ 15,000, while we have checked with an independent license contractor, the cost to bring the property back to its original condition is significantly more than $ 15,000. It is in the order of $ 80,000. We bring this matter to Miguel *** and Mike *** (manager of AZ claim). Mike told me that I have the right for appraisal (the clauses from the Allstate policy regarding appraisal is attached below). I have submitted the demand for appraisal submitted on July 5th, 2018 via documented email and certified mail and named my independent appraiser. As per now, Allstate have not provided us the name of their appraiser.
Allstate put me on investigation for this loss. The investigator is Michele ***; she accuses me that one vendor (***) does not provide her the information that she needs because of my direction. I stated to her (Michelle) that I have never given such direction to my vendor/contractor. Michelle farther told me to allow access for my vendor / contractor for the investigation by July 13th, 2018. I states to Michelle that I have “no control” whether the vendor/contactor will give her information or not. I told to Michelle that I have given her all the information that she wants that is within my ability to do so. The vendor/contractor is not my employee, I have no power upon them. According to the Allstate policy. I only limited to provide information within my power to do so. If you (Allstate) disagree with the finding from the vendor, you are welcome to send your own independent licensed contractor. (the clauses from the Allstate policy regarding what needs to do after the loss is attached below)
Currently Allstate (Michelle) is holding on the appraisal process because of her investigation with no indication when will it ends. Certainly, this has caused a disappointment in our end as the customer. As a result, we are planning of moving out from Allstate. Currently we have 21 rental policies under Allstate, primary house policy, and all cars policy. We are not in good hand.
I would certainly request Revdex.com to help me in this case.
Attached below are the cut and paste Allstate policy pertaining to my Letter above
7. Appraisal If you and we fail to agree on the amount of loss, either party may make written demand for an appraisal. Upon such demand, each party must select a competent and impartial appraiser and notify the other of the appraiser’s identity within 20 days after the demand is received. The appraisers will select a competent and impartial umpire. If the appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then determine the amount of loss, stating separately the actual cash value and the amount of loss to each item. If the appraisers submit a written report of an agreement to you and to us, the amount agreed upon shall be the amount of loss. If they cannot agree, they will submit their differences to the umpire. A written award agreed upon by the appraisers or an appraiser and the umpire will determine the amount of loss. Each party will pay the appraiser it chooses and equally bear expenses for the umpire and all other appraisal expenses.
--------------------------------------------------------------------------------...⇄ /> 3. What You Must Do After A Loss In the event of a loss to any property that may be covered by this policy, you must: a) promptly give us or our agent notice. Report any loss involving theft, vandalism or burglary to the police as soon as possible. b) protect the property from further loss. Make any reasonable repairs necessary to protect it. Keep an accurate record of any repair expenses. c) separate damaged from undamaged personal property. Give us a detailed list of the damaged, destroyed or stolen property, showing the quantity, cost, actual cash value and the amount of loss claimed. d) give us all accounting records, bills, invoices and other vouchers, or certified copies, which we may reasonably request to examine, and permit us to make copies. e) produce records supporting any claim for loss of fair rental income as often as we reasonably require. f) as often as we reasonably require: 1) show us the damaged property. 2) at our request, submit to examinations under oath, separately and apart from any other person defined as you or insured person, and sign a transcript of the same. 3) produce representatives, employees, members of the insured’s household or others to the extent it is within the insured person’s power to do so; and 4) cooperate with us in the investigation or settlement of the claim, including providing available information concerning tenants; and

We purchased auto and homeowners insurance from Allstate in Cullman, AL. last August. Our home is one the lake but no one ever came out to look at it or our dock. This May we had a lift collapse damaging the boat, lift and dock. After seven weeks of poor response and lack of action our claim was denied for normal wear, two of the four retaining bolts had been replaced last year. So much for good hands people.

I had a tornado hit my house on April 15th. My roof was damaged and Allstate only wants to to pay to fix half of it. There was 15 other houses hit in my community and they had there roofs completely redone. They say that since house is only 3 years old the shingles will be ok. My roofer says damaged singles are DAMAGED and need to be replaced.

Yours Truly

Allen

I asked for documentation to verify a company policy and Nadine *** refuses to provide me with documents and is now being dishonest and I feel she is being unprofessional and not obiding by company policies.

I want to share my awful AllState story. I had lost my father and moved in the span of a few months so I went to the website to change my address, remove my father and add my boyfriend to my policy. Well, I changed my address and removed my father no problems; when I went to add my boyfriend it said I couldn't do it online to contact my agent. So I contacted my agent, not knowing that the customer service department (that I'm not sure exists) added him to my policy. My agent first said because I moved from Hilliard, OH (an middle upper class city) to a lower middle class part of Columbus, OH, I was being charged an extra almost $20 a month (which makes no sense), not to mention zero sympathy or empathy when I explained why I was removing my father from my policy. Well a couple months go by and I go to pay my bill and notice it's $104 instead of $84. So again I called my agent and was told that AllState "customer service" added my boyfriend after all and it was an additional $44 a month to add my 51 year old boyfriend with a perfect driving record. So I told her I wanted him removed and she very rudely said she needed his insurance information to remove him, which I didn't need to add him. When I questioned her, she just kept saying she needed something to "add to the notes" and if I didn't want to give her the information I can contact customer service, which I did, and they kept re-routing me to my agent again. Finally, I had no other choice but to give out the information to get my bill lowered. The next day I went to change insurance companies and was told because I had "too many claims" on my account (I had an unreliable car at the time and had to call roadside assistance quite a few times over almost a year period) my insurance quote was over $200 a month. Apparently every time you call Roadside Assistance (which I pay for and is completely unreliable too), it's a claim against you. As soon as I am able I am switching companies. Total bait and switch and complete scammers.

On June 2, 2018 I was involved in a small car accident in a parking lot. The driver admitted fault, left his agent a voicemail stating that he did not look, was distracted, and was accepting responsibility for the incident. He gave the same information to the police offer who took our information and created our police report. No ticket was issued, but the policeman agreed it was the other gentleman's fault. Fast forward to current, our Allstate adjusters are trying to place us 20% liability for this accident, and do not have an answer as to why. I reversed fully into the aisle, was stopped, waiting for pedestrians, about to put my car into drive and was hit on my passenger rear door and quarter panel. The adjusters are claiming I could have prevented it and seen him, which is impossible considering that he was BEHIND me. They have stated over and over again that since we are both "Allstate customers" that they have to keep things fair. This is not fair. He admitted he DID NOT LOOK and reversed right into me. I physically couldn't pull forward, I would hurt others and same for going backwards to avoid this accident. The only thing that could've been done to avoid it, would be the gentleman who hit me - looking before leaving his parking space. These adjusters were not there, and are saying that the cop was wrong. They were not there, they can not make that determination. I feel they simply want to place blame on me to get me to pay my deductible. No wonder why they have "Accident Forgiveness",because once they place you under fault you can't leave anyway due to skyrocketing premiums from an accident on your record. This gentleman was in my blind spot, there was nothing I could do to avoid it. No one is helping me, on my side, not even my agent. I am beyond disgusted and disappointed in the fairness of this. How one can claim they didn't look and not be fully liable? I do not have eyes in the back of my head. How you can blame an police officer?

I have been unable to receive a satisfactory result of a claim I filed in mid March of this year. My vehicle was hit while waiting in a drive thru lane. Allstate's 16 year old driver backed into my stationary car trying to go backwards in a drive thru lane because she forgot her burger at the window. I was assigned 20% liability for essentially sitting there. She hit me with less than 1 second to react so again, for essentially being there. Completely unfair and ridiculous assessment of liability. Happy to discuss with anyone at Revdex.com.

In November I moved to my new house and had to file two claims within the first five weeks of closing on the home. Both claims were immediately sent to the SIU unit for fraud detection. The claims representatives told me that my policy was too new so they had to investigate my claims further. The first claim was treated poorly and denied because the adjuster said the damage was less than the deductible. Allstate also tried claiming that my roof was neglected by the homeowner even though I just purchased the home in October. My home was not neglected and was even recently repaired. Eventually my claim was paid very little for the damage but just to receive a check from the company was difficult. My second claim was denied because Allstate is claiming that I misrepresented my claim probably due to technical errors on the proof of loss. Allstate did not provide me with any assistance with my burglary claim and demanded information I simply do not have. The insurance agent told me to look up similar items if I do not have receipts and use that for my inventory forms. This is what I did and I was honest with the company in how the inventory and proof of loss forms were filled out. I was framed to look like I intentionally misrepresented the claim. Allstate also did nothing to send out an adjuster to inspect the damage obtained during the burglary. I work for *** and had a claim once with the company and it was a new policy and my experience was nothing like this. Allstate gets a lot of bad reputation for delaying, denying and defending high claims. Allstate did nothing to resolve the discrepancies to deny the claim. This has been by far the worst claims experience with any company in my life. Allstate even had the nerve to rise a red flag that I was employed by ***. Allstate failed to investigate the claim on many attempts and twisted, lied and misrepresented the facts of the claim in order to deceive the policyholder to avoid payment.

On 07/20/2017, A no fault claim was filed in which Allstate claims that filed the claim under collision even though the car was parked. They used Collision because my $500.00 deductible disappeared from no accidents. I wasn't given any other option. As an Insurance company, they should have provided all options and information so the insured can make an informed decision. Later I received an insurance increase which I was told it was due to the no fault claim. The information about the increase was incorrect therefore I made a decision based on it. The increase was due to a state- wide rate increase. I had to contact the Texas Dept. of Insurance to get them to correct it to Uninsured Motorist Claim which I'm told have a $250.00 deductible. As I told them those funds were not available but they demanded the full amount. Therefore, it will take payment arrangements to make the full payment.
On 06/13/18, Laura Spurgeon left a detailed message regarding the claim on a unsecure voicemail. Therefore a third party had access not only my information but the Allstate details. In addition Laura left Bill Collection threats about outside agency and reporting negative information on my credit report. She stated "I spoke to your agent Brandy that told her I was aware of the $250.00 deductible. Brandy wasn't my agent in 2017 therefore she could not comment whether I knew or not. I called Brandy and was told she had not spoke to Laura regarding this claim. Again Laura provided false information to harass me about a claim from 2017. All the information was conveyed to me from an unauthorized person. I left several messages for Laura and finally received a callback from her which unprofessional, rude and condescending. I told her to return the claim to Collision and was told she could not do it. Thereafter, I told her I would start making payment by the end of July 2018.
Product_Or_Service: Auto Insurance Claim
Order_Number: claim# ***
Account_Number:

On 07/20/2017, A no fault claim was filed in which Allstate claims that filed the claim under collision even though the car was parked. They used Collision because my $500.00 deductible disappeared from no accidents. I wasn't given any other option. As an Insurance company, they should have provided all options and information so the insured can make an informed decision. Later I received an insurance increase which I was told it was due to the no fault claim. The information about the increase was incorrect therefore I made a decision based on it. The increase was due to a state- wide rate increase. I had to contact the Texas Dept. of Insurance to get them to correct it to Uninsured Motorist Claim which I'm told have a $250.00 deductible. As I told them those funds were not available but they demanded the full amount. Therefore, it will take payment arrangements to make the full payment.
On 06/13/18, Laura Spurgeon left a detailed message regarding the claim on a unsecure voicemail. Therefore a third party had access not only my information but the Allstate details. In addition Laura left Bill Collection threats about outside agency and reporting negative information on my credit report. She stated "I spoke to your agent Brandy that told her I was aware of the $250.00 deductible. Brandy wasn't my agent in 2017 therefore she could not comment whether I knew or not. I called Brandy and was told she had not spoke to Laura regarding this claim. Again Laura provided false information to harass me about a claim from 2017. All the information was conveyed to me from an unauthorized person. I left several messages for Laura and finally received a callback from her which unprofessional, rude and condescending. I told her to return the claim to Collision and was told she could not do it. Thereafter, I told her I would start making payment by the end of July 2018.

I have been a customer for 2 or more years, we had 3 cars when my daughter was at home, removed her car from the insurance when she went abroad to study. we also had a 32 year old son who briefly stayed with us because he separated with his wife and has a drivers liscence with our address, he since has moved out of the country. Allstate is telling me that any one that carries a drivers license at that address is added to the insurance and telling me I have to prove that the 2 children are not driving the cars we own, in all my years I have never heard this, and was not disclosed to me that I will be paying for insurance when the person is not physically there or driving the cars I am insuring. Tried to get additional info regarding this it was impossible all they are telling me is it the rule and they just follow it. my current annual insurance cost for 2 cars is 4100.00, we are both good drivers, one of us had 2 accidents but we were not at fault.
does this make any sense?

I had flooding in my basement secondary to heavy rainstorms x 3 days. I called *** who sent a plumbing company to my home. Upon his assessment, he stated that my stump pump had failure. On his assessment sheet (*** Plumbing and Heating), the technician document ed sump pump stay log on and drain had a snake that was stuck ; therefore the sump pump had failure. He told me that I needed a new sump pump but when he called *** they denied the claim because the sump pump was not only ground water. I then called Allstate to see if I had the coverage for sewer back up and they told me that they did. I faxed the vaguely written report and pic of sump pump to claims at Allstate. Allstate had all the information and sent a little gentleman by the name of Mark ***. He was aware of the situation and spent about an hour in my basement taking pics. After he emerged from my basement he stated that he needed to sit in his car to review everything. He then came back into my home and stated that the claim would not be covered because it was coming from a backed up drain from outside. As I am looking at my sewer back up endorsement, his explaination was very confusing to me for the denial. The cover stated tha I am covered for back up through sweres or drains located within the residence premises regardless of whether the back up originates outside of the residence or overflows from from a sump pump or sump pump well or other system located with the residence premises designed for removal of subsurface water. When I called back to Allstate to get another opinion from another techinican, I have received push back and was denied that request as they stated that they will review pictures. Aso of today, I was told that they would review again and would get back to me by the 1st. I feel that they are trying to find loop holes not to pay my claim which is cleared should be clearly covered by my contract. Very upste at this point

I signed up with Allstate recently, I asked the agent if I had tow included, she say yes, ok
on first month I needed it ,my van stopped on the highway at 6 pm , with smell of gas very strong, I try to use the app (did not work) , I call the phone numbers in internet for Allstate road assistance (tow) I had all the varieties of answers (not very successful): some hang up (individuals) some machines hang up on me, if not individuals asked for my credit card and the location I was, I gave my credit card number but for location the only thing I had was: highway and exit number, also she hang up because I did not gave her the real address, finally I called my daughter to call Allstate, she succeed after several tries. It was 2 hours for me waiting , super cold and smell of gas, then another day I went to see the agent and I showed her how the app did not work to request a tow and how Allstate customer service hang up, she agreed it was a problem , I requested a total refund of towing, Still I waiting for the refund (several weeks)

I have had allstate for many years. I have never had a complaint on my homeowners policy until now. In fact I have never had a homeowner claim with any insurance carrier. When I bought my policy I made sure I would have enough coverage to cover any issues with my house, less my deductible of course, however when the time came that I did need to file a claim I found out I was underinsured. My issue is that I was never informed of the need for supplemental insurance for building code upgrades. As I never had a claim I had no idea that it would be something needed in addition to my coverage. Had I known the repurcussions of not having this supplemental insurance I would have elected coverage. I was denied the ability to choose for myself if it was needed or not. The insurance company never informed me of its need or allowed me to decide not to have it. As such I now have to pay upwards of $3000 in code upgrades in order to have the roof that allstate is covering put on my house. Had I had the insurance it would have been covered. I don't deny that I do not have the correct coverage but I do believe allstate is to blame for me not having it. Again, had I been informed I could have made an educated decision about adding it to my policy. I do not understand how this coverage would not be included unless the customer chose to exclude it since it turns out that it is a huge problem to not have building code upgrades included in the policy. When I spoke with John Ouile regarding my claim, I was informed that although it won't help me now I should call and add it to my policy as it is very important to have. I also spoke with Enza at my agent's office who informed me that no one would assist me. I have been a loyal customer. I trusted allstate to take care of me during my claim and they have sorely let me down. I would gladly backpay for the coverage in order for it to cover my current claim. I would also welcome other solutions.

Today I received a letter in the mail to call Allstate for a quote. I called the number listed on the letter, 214.308.7500, and left a voicemail requesting I be removed from the systems do not mail list. I received tbe requested call back from a nice woman who work with Exclusive Agent Had on Fleming who was attempting to assist but ultimately could not add me to the list. I expressed gratitude and that it could be that I needed to reach out to the corporate customer service line to get this request fulfilled. She wished me many blessing and a great rest of my day. Whoever she is she is wonderful but sadly this is not what this is for.

I called the 866.584.2409 number listed on the letter to call if you wishe to no longer receive further solicitation from Allstate. I endee up speaking with a representative who identified herself as Trina. I explained I recieved the communicatiom from Allstate and I would like to be added to the do not mail list. After providing my email Trina stated she found my information associated with my previous address. I advised I no longer resided there and I received this communication at my current residency that I have been at for almost 2 years. Trina stated that she added the previous address to the do not mail list and questioned if I maybe requested more information via the internet at anytime previously. I explained how I am rarely on the internet and I only go on for my online schooling. Trina explained that I must have clicked on something without realizing it and at this time that is why I received the communication. Trina also stated that because she could not find my curremt address in the system she cannot verify if I reveived the comminication from Allstate. I asked if at this time is she not able to add my current address to the do not mail list because of it not showing in their records and at this point is when Trina got agressive with me with her tone and her choice of words. I was told by Trina that me asking if I was understanding her correctly was putting words in her mouth and she did not appreciate that. I immediately asked for a supervisor and this is when Trina says that she can do something about adding my current address. I asked to speak with a supervisor again and Trina's reaponse to the second request was that she can have one call me in a couple of hours. I expressed per previous experience with other companies with promised call backs that I was not comfotable with a call back and I would be grateful to speak with a supervisor at the time.

After being on hold for a couple of minutes, Trina can bacl to the line and advised her supervisor said they will have to call me back because this is something the agent can handle. Trina then expressed again that she did not appreciate me putting words in her mouth and that the calls are all recorded for quality purposes. I stated that she should have the call with me pulled so they can listen to how she was handling the situation. I also expressed that I also work in a call center enviromment and the way she was speaking to me is a firable offense. I asked for a supervisor again and in response Trina demanded my information so she could fulfill my original request and have her supervisor call me back. I expressed that at this time I did not appreciate her aggressiveness with me and to tell her supervisor not to worry about calling me back because I will be filing a complaint.

I cannot trust giving my personal informatiom to someone who talked to me the way that Trina did to me on the phone. I understand that everyone has stressful days and that Trina's job maybe stressful for her. I maintained my composure hoping to de-eacalate her and in exchange I was given horrible customer service. I explained I will be reaching out to the Revdex.com to express my concerns. I do hope that this is not a frequent occurance because me being someone who has frequent panic attacks this has cause a bad one.

I hope I can get my address added to the do not mail list because I am happy with my current insurance provider.

I have claim number *** opened with Allstate, a claim in which I am the victim. They waited a week to offer me a rental, and then offered it for only 2 days, costing my wife and I undue expenses. They then offered me a claim of a little over $2000 to repair my vehicle, which did not cover all of the work needed for repair. They then rescinded that offer, and, USING 2 LESSER vehicles, lowered my offer to a little over $1600 to buy my truck from me. I cannot replace my vehicle with a similar model for that price. My truck has 4-wheel drive, climate control, and 3rd row seating. The vehicles they used to base their claim intentionally excluded premium features such as 4-wheel drive, and climate control, in order to lessen the company's liability in my case. This is insurance fraud.
Their "Total Loss" team asked me to provide information supporting my claim that the truck could not be replaced with a like vehicle for the amount they offered. I have since spent 2 weeks providing example after example of similar vehicles all across the country, and in my home area to support my claim that my vehicle could not be replaced at the price being offered. All submissions have been denied for any number of reasons. I have a restored title on a 2000 *** SLT. I have supplied 1999 ***s. All were denied for being made a year earlier, regardless of title status. However, they agreed to accept 2001 vehicles. All 2001 vehicles I have submitted have been rejected either because the title was clean, or because the VIN was not included in the listing. These are outright lies the company is attempting to use, and not standard procedure, as they have not supplied me with anything outlining acceptable submissions other than Manuel's verbal guidance. I even submitted an exact model, 2000 *** SLT, but they even rejected that because the title is in "junk" status. However, Arizona issues "salvage" titles and not "junk" titles, so this is an exact match.