So we get a collection letter from Allstate for a policy we don't have. Are you wondering how that can happen? Well, let me tell you...
We had our car insurance through Allstate for years. Once they dropped us for no reason and we had to pay fines to the DMV for both cars. To this day we have never gotten an answer as to how this happen. For some stupid reason we stayed with them. Cue two years later to August of this year. While we were enjoying our vacation in Florida a renewal notice came in the mail. The day we got back I came across the notice and wrote a check and mailed it off the next day. Cue to September when we got a Dear John letter from Allstate's home office stating our payment was received late (by a day, so much for grace periods!) and that they were cancelling our policy. We also received with the letter, a refund for the total amount I had sent them.
My dh goes down to our local agent's office to inquire about the one day late / cancellation of our policy. Our agent tells my dh that it is what it is and gives him a quote for a new policy. This quote is outrageous to say the least. When asked why the quote was so high, our agent said that Allstate was treating this like we had no prior insurance. That's weird! Why would you think to treat a customer of 6 years like they didn't have prior insurance? Didn't you just cancel our insurance? I mean you have to have had insurance to cancel insurance, right?
Well, my dh leaves the office and comes home, we discuss the outrageousness of the whole situation and the dollar amount of the quote. Being the responsible car owners that we are, we look online for car insurance, because we have to be covered. We decide on another company, sign up and pay online, then 5 days later we have all the paperwork. We contact the DMV and the Insurance Commissioner to have the second set of fines lifted and all is good in the universe. A couple of weeks go by and we receive a bill from Allstate. A letter / bill for a new policy, so we return the letter with a reply stating that we don't want or need this new policy, didn't ask for it, nor did we sign anything or approve anything. Again Allstate sends a letter and again we reply.
Yesterday we receive a collection notice / threat letter from Allstate. This time I call Allstate, because I'm not as nice as my dh and nobody puts baby in the corner or makes her pay for something she didn't ask for. I get a nice lady in India that tells me they won't lift the collection until we send them the paper work from our new policy with the other company. Umm last time I checked that wasn't your business. Your not the insurance police and I don't owe you squat. I only have to prove my insurance with the state and any really nice law enforcement officer that may ask, plus the DMV. The woman kept demanding that I send my new policy paper work to them or they wouldn't lift the collection. Call me crazy, but I've never had an agent tell me to prove I have insurance with someone else and I find it ballsy to hit me for a policy that I didn't ask for, nor knew anything about.
I seem to attract this kind of crap, always have. Bothers me less as it use to when I was younger. There will many calls and letters to Allstate and the Insurance Commissioner, then everything will be fine. I am also shopping for insurance for our house, so we can get away from Allstate altogether!