Insurance bill

Switched insurance companies a couple months ago,homeowners policy, about 3 weeks before it was due. Went with Erie (great company) the agent made a copy of my policy to send a cancelation notice to the old insurance, I signed it. The other company sent a cancelation paper for me and wife to sign. Didn't bother, they got the first letter (save my stamp) now they send me a bill, they didn't cancel right away . Called the agent, said my wife should of signed it and the Erie agent should not. The bill comes addressed to me only.WHAT the heck, they cancell you if you don't pay, I didn't pay and they get a cancelation letter, can't they READ, Ya' think they would get the message.

When I went out of business, I closed my policy, at the agents office, all paid up, no claims.
Two years later checking in to some insurance for a different business, they became very concerned about why my previous policy was Canceled.
It looked to them like I was dropped for non payment, claim problems or misrepresentation of my business, I don not like that industry.

AA130FIREMAN wrote: Went with Erie (great company) ...

Yes they are, we had Erie policy for the fire. Outstanding company to deal with. As I've said before, they stepped up to the plate and smashed it out of the park.

Richard S. wrote:

AA130FIREMAN wrote: Went with Erie (great company) ...

Yes they are, we had Erie policy for the fire. Outstanding company to deal with. As I've said before, they stepped up to the plate and smashed it out of the park.

I have checked with other companies before, one told me, for people living in PA., Erie is hard to beat. So now I have all my policies (except motorcycle) with Erie. I believe they have someone else underwrite the motorcycle policies.

I'm not a fan of Erie, that's who I had before. I now have Westfield. Had a couple claims and made several changes over the last 5 years, no complaints as of yet.

Maybe it was just the Erie agent I had, but anytime I had to make changes or had a claim, Erie was shady, like they were trying to find a reason to up my rates or drop me. My wife before we got married had a different agent, they completely took her for a ride. Had her paying for renters insurance when she didn't even rent, said that was the only way to get the rate she was getting. They also said that she HAD to have full coverage on a 10 year old vehicle with no lein, total cost of the insurance per year was half the purchase price of the Jeep, and she has a good driving record.

I probably just had bad agents, but your company is represented by the agents. I switched for customer service, and am very pleased. Same coverage, same cost, better service = win.

Had Allstate for the cars and the house. The car policy i guess slowly kept creeping up, no claims except the deer i hit 5 years ago($3,000 damage). This years first 6 months was close to $1000, it was never that high, used to be $6-700. I filled out online for Progressive(which i had 15-20 years ago) they saved me $400 year exact same coverage. 4 vehicles, 2 basic coverage, 2 full coverage with $100 deductible. The house policy went up 13% for no reason. No reply at all from my agent when i send an email yet this is how we used to talk policy changes before. I dropped the cars and then my phone starts ringing as why did i change and what kind of policy did i get blah blah blah, i said get my homeowners back to where is used to be and i might think about coming back, no reply. I am shopping for homeowners right now, think i am paying close to $800 year for a 1925 house. I think i tried Geico once and they wouldn't insure me cause of the coal boiler? Think i am going to give Erie a try, see what they tell me.

I can remember someone telling me they wanted to go the Erie, but they had speeding tickets in the past , so that posed a problem. I looked around before, and they are hard to beat, if you have a good record. Just the fact with the old insurance, cancel means cancel, no check and a signed cancelation notice from my other insurance, what more did they want ? And it was the End of the Policy.

Richard's situation was the first time in my life I have ever heard of or seen positive results from an insurance company. My family & everyone I know has been swindled & ripped off by insurance companies our entire lives.

Case in point: A couple weeks ago, when my brothers truck burst into flames, he went out and got a rental ..... then they informed him that he had no rental coverage! He switched to this company in the summer. He handed them his old policy & said "I WANT EVERYTHING THE SAME AS THIS POLICY". They informed him, only after he racked up over $200 in rental charges, that the coverage was dropped when he started the policy. Of course, they're not wrong -- it's my brother's fault.

I filed a claim for water flowing through my Federal Pacific breaker panel. You'd think an insurance company would be DELIGHTED to remove a Federal Pacific panel (Google it) .... but they jacked my payments up by over 30% for making the claim!!

Insurance SUCKS! A necessary evil, but it's the biggest rackett going ....... except in Richard's case.

AA130FIREMAN wrote:I can remember someone telling me they wanted to go the Erie, but they had speeding tickets in the past , so that posed a problem.

My understanding is they are picky who they will give car insurance too.

Smitty there isn't single bad thing anyone in my family would say bad about Erie. They gave us a preliminary check and the fireman were still at the house. The house was paid for within a week and the contents a few weeks later.

They definitely sound like a stand-up company. I wish they were available in MA ...

There's probably a reason why they (and many, many other insurance companies) aren't doing business in MA. Our state likes to tell insurance companies what they can charge, so that's a big issue there. So we end up with a handful of greedy, unethical companies.