Hit By Esurance Policyholder
By Mike Robins from
Tucson
,
Arizona
Examination of Ratings:
Adjustor: Adjustors are paid and bonus'd by mitigating the company’s losses. I could never give an adjustor more than a 3. Ours was fairly thorough, missing only a $441.00 chrome strip of the front of the vehicle. Simple mistake? It started a chain of events resulting in $285.00 in out of pocket expenses.
Customer Service: Although we were not an Esurance customer, I was able to reach the Unit (Area) Supervisor 10 minutes before end of business on a Friday. Good for any business, stellar for an insurance company.
Processing Time: The processing time was lightning fast. I rated it average because it is average for the insurance industry. It is the statistic every insurer holds up when scrutinized. Sadly the initial settlement is from 20-50% low depending on whether the claim is auto or homeowners. A hundred dollars from you, two hundred from me, result in millions in profits for the insurers shareholders. If you want your loss mitigated fully, it demands a lengthy and frustrating negotiation with the insurer.
Settlement: Esurance would not pay for a mechanical inspection.
Esurance would not pay for two additional days of car rental, even though the delay in getting our vehicle back was due to the original incomplete estimate by their adjustor. The dealer threw in the mech. inspection, gratis... on a Friday afternoon. Our gratitude to Chapman Acura in Tucson, Arizona.
Overall Experience: Rated average because it was. There is a cancer in the industry that was always there, but has grown malignant since the 1990's. Shareholder profits have taken precedence over fiduciary responsibility to policyholders. Insurance is an unregulated multibillion dollar industry. Nothing short of federal anti-trust legislation will level the playing field for honest, hardworking policyholders.
That being said,an Area Supervisor taking a call at ten minutes to five on a Friday can't be all bad...
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