I'm not sure you know the meaning of the word zealot.
What's so bad about Esurance employees/management searching the internet for customer opinions? It beats phone surveys.
Geico does that with prior insurance, too, as does Viking, my old, smaller insurance company. I thought it was normal.
I am a licensed agent with another company (but am currently insured with geico) and they do the same. It's a state requirement, not an insurance company requirement. You should have already known, and you admit in the complaint that you were advised it needed to be done. Maybe you should have done it. You got what you deserve.
Payment, and only payment, binds coverage. Well-known fact.
If you're living in two separate places, of course you have to have separate policies. The rating factors are different depending on where you live. If you're separated, you have to be listed as such, which would of course cause the premium to increase as well.
What you're trying to do by keeping the two of you on the same policy is called rate evasion, and it's illegal. I'm not saying you're trying to be a criminal here, but they could certainly file criminal charges if they wanted.
Wow, you are so stupid. This is standard procedure with almost all insurance companies, you've probably just never encountered it before. Geico's methods are all sent to the state for approval, meaning it's all been reviewed and accepted by the state. YOUR STATE says "yes, it's okay for your to conduct business in this way, here is your license." If Geico did not follow what your state agrees to, they would lose their license. Plain and simple. Also, it's disclosed quite plainly in the terms and conditions.
2 years is actually a typical timeframe for that kind of payout. Insurance companies budget each year based on the last 4 years of unpaid losses.
It is funny that they spent more fighting your case than what you wanted paid though.
Duh you ###. Of course they use it to identify whether or not someone is committing insurance fraud. By the way, they don't record every call, either, the rep you speak with sends a "tip" to their underwriters or "risk pursuit" letting them know what they heard. It's THOSE people who determine whether or not you are committing insurance fraud. If it's determined you are, they will raise your rates or cancel your policy, and they have every legal right to do so.
A couple of things.
All insurance companies lost money or didn't make as much as they were used to in 2007 due to a vast increase in medical claims costs.
Think about this: let's say you get into an accident. Let's say it's a hit-and run. Let's say that you and a passenger (your mom, your boyfriend/girlfriend, your kid) have $20,000 in medical bills, and let's say your $12,000 vehicle is totaled. Obviously, this wasn't your fault, because it was a hit-and-run. Due to the severity of the accident, you can only recall that it was a dark colored SUV or truck. It's obviously not much help.
Your insurance company will pay you $32,000 dollars if you have gap coverage and uninsured motorist liability limits of at least 20,000 per accident, minus your let's say, $500 deductible. So all in all, it wasn't that bad, was it? It was $500 out of pocket and the rest was paid. What a load off your mind.
Now... where is the insurance company getting the money to pay that off? Let's say you've been with this company for 3 years, and you pay them $400 every 6 months. That means in the 3 years you've been with them, you've paid $24,000 dollars. Uh oh, you paid them $24,000 and they paid you $31,500! That's right, they're out $7,500. They have to make up that $7,500 someplace, and they actually have to end up with a profit or their company will go under. That would be convenient for no one.
So now you're up $7,500. Okay. For the next term, you'll pay the regular $400, plus $7,500 to make up for losses. Your new premium is $7,900.
You're not too happy about that, are you? Wellllll... instead of raising your premium however much you cost the company, they divide that amount amongst everyone they insure, so that everyone only pays maybe $10-$100 more each term.
You get it finally? If an insurance company pays out $65,000,000 in claims and only earned $60,000,000 in premium, they have to divide the remaining cost of $5,000,000 amongst all the policyholders, or else there would be no point in having insurance to begin with, and we'd all just put that amount into a savings account we could keep.
