Question about Insurance Claims related to San Diego Fires

[Raybyrnes]

Insurance agents get a renewal commission each year on your policy so the last thing they want to do is lose your busines becaeu of unsound advice.

If this is an established agent he has probably been informed that the company has already set aside funds for these claims and he is looking to assist you in terms of making sure you are coverered for you expenses.

Additonally Loss of use MIGHT not count as a claim. It might be similiar to Glass deductible buy back on your auto insurance policy. I would think that the agent is trying to demonstrate the value of the company by keeping you informed.

If it is not worth the time and effort to file a claim for 2 or 3 hundred dollar that is a different story.

How many years has your agent been in the business? How many years has your agent been working for this company. How long have you been with the agent. IF it is a long time I might elect to take the opportunity to review your coverage and see what what your options are.

[Coronita]

Thanks for the input folks.

Raybyrnes, my agent has been at allstate for 15-20 years, so he's been around here. I've been with him for about 4 years. Currently, with the exception of life insurance at another firm, everything is with allstate (home, auto, extra personal property,umbrella). Every year, I crunch through the numbers to see if similar insurance from other reputable companies come out better, but with a consolidated policy from allstate, it's still the best value versus coverage. Insurance from AAA has been comparable, but allstate's price for it's coverage are still better.

I was mainly concerned about Allstate, because I remember reading this article about allstate no longer writing home insurance policies in CA.

http://money.cnn.com/2007/05/11/pf/insurance/allstate/index.htm

http://www.unitedpolicyholders.org/articles/article_AllstateCuts.html

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Thanks for the input folks.

Raybyrnes, my agent has been at allstate for 15-20 years, so he's been around here. I've been with him for about 4 years. Currently, with the exception of life insurance at another firm, everything is with allstate (home, auto, extra personal property,umbrella). Every year, I crunch through the numbers to see if similar insurance from other reputable companies come out better, but with a consolidated policy from allstate, it's still the best value versus coverage. Insurance from AAA has been comparable, but allstate's price for it's coverage are still better.

I was mainly concerned about Allstate, because I remember reading this article about allstate no longer writing home insurance policies in CA.

http://money.cnn.com/2007/05/11/pf/insurance/allstate/index.htm

http://www.unitedpolicyholders.org/articles/article_AllstateCuts.html

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Thanks for the input folks.

Raybyrnes, my agent has been at allstate for 15-20 years, so he's been around here. I've been with him for about 4 years. Currently, with the exception of life insurance at another firm, everything is with allstate (home, auto, extra personal property,umbrella). Every year, I crunch through the numbers to see if similar insurance from other reputable companies come out better, but with a consolidated policy from allstate, it's still the best value versus coverage. Insurance from AAA has been comparable, but allstate's price for it's coverage are still better.

I was mainly concerned about Allstate, because I remember reading this article about allstate no longer writing home insurance policies in CA.

http://money.cnn.com/2007/05/11/pf/insurance/allstate/index.htm

http://www.unitedpolicyholders.org/articles/article_AllstateCuts.html

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Thanks for the input folks.

Raybyrnes, my agent has been at allstate for 15-20 years, so he's been around here. I've been with him for about 4 years. Currently, with the exception of life insurance at another firm, everything is with allstate (home, auto, extra personal property,umbrella). Every year, I crunch through the numbers to see if similar insurance from other reputable companies come out better, but with a consolidated policy from allstate, it's still the best value versus coverage. Insurance from AAA has been comparable, but allstate's price for it's coverage are still better.

I was mainly concerned about Allstate, because I remember reading this article about allstate no longer writing home insurance policies in CA.

http://money.cnn.com/2007/05/11/pf/insurance/allstate/index.htm

http://www.unitedpolicyholders.org/articles/article_AllstateCuts.html

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Thanks for the input folks.

Raybyrnes, my agent has been at allstate for 15-20 years, so he's been around here. I've been with him for about 4 years. Currently, with the exception of life insurance at another firm, everything is with allstate (home, auto, extra personal property,umbrella). Every year, I crunch through the numbers to see if similar insurance from other reputable companies come out better, but with a consolidated policy from allstate, it's still the best value versus coverage. Insurance from AAA has been comparable, but allstate's price for it's coverage are still better.

I was mainly concerned about Allstate, because I remember reading this article about allstate no longer writing home insurance policies in CA.

http://money.cnn.com/2007/05/11/pf/insurance/allstate/index.htm

http://www.unitedpolicyholders.org/articles/article_AllstateCuts.html

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Raybyrnes]

154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.

Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.

I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.

[Raybyrnes]

154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.

Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.

I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.

[Raybyrnes]

154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.

Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.

I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.

[Raybyrnes]

154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.

Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.

I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.

[Raybyrnes]

154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.

Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.

I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.

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