From: kh43543@uxa.cso.uiuc.edu (Ford Prefect)
Subject: ***WARNING: BE CAREFUL WHEN DEALING WITH ALLSTATE INSURANCE!***
Organization: University of Illinois at Urbana-Champaign
Distribution: usa
Date: Thu, 9 Apr 1992 00:11:36 GMT


****Don't buy Allstate Insurance--- You'll have a hard time getting money
from them when you need it.....****

Hi everyone, I'm currently in a claim dispute with Allstate Insurance Co.
On Feb 28 of this year, I got into an accident with one of their insured
with a car I barrowed from my Aunt. Eventhough the accident was clearly
their insured's fault, Allstate is refusing to pay for damages. Here is 
what happened:  Their insured and I were both southbound on a two-lane
one way street. I was in the left lane and he was in the right lane. Their
insured then made a left turn from the right lane and being unable to avoid
him, I struck him. Champaign Police was called to the scene and he was 
ticketed for an illegal turn. The police report stated clearly that it
was his fault along with a statement from a witness that said it was his
fault also. 

Since it was not my fault, I filed a claim with Allstate rather than my
aunt's insurance (State Farm) because the damage was $620 and she has
a $500 deductable and also I felt it was my responsiblity to resolve this
accident and get her car fixed ASAP. Anyways, I made a claim to Allstate
(Decatur, Illinois office) and the person that's handling the claim 
(Reggie Heard) did the usual claims proceedings (take recorded statements,
name, address, so on...) and denied my claim basing his decision solely
on their insured's statement that the only reason that he was making a
left turn from the right lane is to avoid a parked car????????? ----
First of all, anyone that knows 6th st. in Champaign knows that it has 
parking lanes in addition to the normal driving lanes so he shouldn't
have to avoid ANY parked cars when making ANY turns not to mention THERE
WEREN'T ANY PARKED CARS AT ALL!!!!!!  And Allstate (Reggie Heard) denied
my claim on the basis of their insured's BULLSHIT statement OVER A POLICE
REPORT AND WITNESS STATEMENTS????????? I don't know how they are elsewhere,
but their claim office in Decatur IL and especially Reggie Heard are certainly
assholes. While this multi-million dollar corp. is trying to screw me
over a $600 claim, my aunt's 1990 Nissan 240sx looks like shit with the dents
from the accident. UP YOURS REGGIE HEARD AND ALLSTATE!!!!!!!!!

I've been in 3 auto accidents since I began to drive (none of which were
my fault). I've always made claims directly to the other person's insurance
and had no problems.... They're State Farm, Farmer's insurance, and Madison
Mutual and all of them paid the claim within a week and a half. The first one 
was against State Farm and I was so pleased with their service that I became
their insured. I originally was going to change to Allstate, because they
were going to offer me a better deal, but not after this mess....
I'm going to stick with State Farm, their the best for amount of premium you
pay. 

So if you have to deal with Allstate, be very very careful.....And if it's
within you power, don't buy their insurance. Talk to a State Farm agent first
before you decide.....

If anyone has any advice, I'll be glad to hear it. I already have an attorney
working on it. There's no way I'm going to back down! I'm going to do my 
best to cause them to lose customers.

--Kwun
  kh43543@uxa.cso.uiuc.edu

    
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