I have been a client with Esurance on and off since 2006, with some breaks in which I ventured elsewhere, but kept coming back for the low rates.
Even when I had an accident (well, actually, okay... two accidents) and my premiums understandably went up, I stayed right where I was, thinking I couldn't get better rates anywhere else.
It was, then, a shock when -- after years of patronage at Esurance -- the company decided I was potentially lying about what state I lived in.
Wait... what? Why would a person lie to their insurance company about what state they live in?
According to an Esurance representative:
Supposedly, "public records" suggested I might be actually living in Oregon, as a person with the name "Christina Marie Wright," with "Marie" being the middle name, turned up in a public records search.Unfortunately, there are many situations where people are less than honest about where they live. Sometimes it's due to not wanting to pay a higher rate, sometimes it's because they didn't want to change their registration. Since we're an internet company, we use the public records to try and obtain some information to ensure we're charging the correct rates (higher or lower).
The logical conclusion, of course, is that I was living in Oregon under the name "Christina Marie Wright." Right?
Here's the problem... My first name is "Christina-Marie." My middle name is "Johnson." So, I am not Christina M. Wright, but, rather, Christina-Marie J. Wright. Not really the same, is it?
So, I simply explained that it wasn't me, and went on with my life.
Then, I received a notice informing me that my policy was scheduled to be terminated, as there was a question of where my "vehicles are being garaged."
Confession: My garage is too full of crap to actually park a car in there, but my vehicles are parked at my residence in Washington state, and I told them so.
My report wasn't good enough. They needed me to prove my vehicles weren't spending their nights at some house in the wilds of Oregon. Ummmm... okay? I invited them to come on over to my house, and visit my vehicles in their natural resting place, but they declined. Instead, they wanted documentation.
My vehicle registration? Nope... that just shows where the cars are registered. My driver's license? Nah... that just shows what address I used when I obtained my identification. Those things, according to Esurance, are not "proof" that I am not living in Oregon with my vehicles.
They wanted a phone bill. I sent one, but they rejected it, because it's in our business name, doesn't include a landline, and is mailed to my post office box.
They wanted a power bill. I sent one, showing the service address at my residence, but they rejected it, because it was mailed to my post office box.
They wanted a gas bill. I don't have gas, so I couldn't provide one.
Here's what I did provide to them:
A deed to my house -- rejected, because it only shows that I bought the place, not that I am living there.
My mortgage statement -- rejected, because although it shows my name, the property address, and is mailed to my street address at said property, they "don't have a box to check" to record it as proof that I am who I say I am, and I live where I say I live.
THEY DON'T HAVE A BOX TO CHECK.
They don't have a box to check, so my policy was scheduled to be terminated yesterday. In a panic, Mr. Wright contacted the agent who handles our homeowner's policy. In no time, our guy, Tim, had a new policy with similar coverage for us --- at a savings of $1,800 per year.
I whined a bit about the ridiculousness of the whole fiasco on Facebook, and even shared a link to the post on the Esurance Facebook page.
Today, they got in touch with me, asking me to provide my policy number, so they could "have an underwriting supervisor give your policy a second look." Hmmmm... Okay. I'll bite. If nothing else, I thought, maybe I would at least have the vindication of having them review the details, and realize how foolish the whole thing was.
"Oh, well... looks like you already found someone else to take care of you, so... never mind."
How about you? Have you ever had the opportunity for a rude awakening, which led you back to basics? Were you grateful for it?
Would you like to join me in a mass-exodus from mega-brokers like Esurance? Ask your networks for local recommendations, then make the switch, and tell me all about it in the comments!
Share, share, share, so others can celebrate their freedom from tantrum-prone big business beasts, as well.
"Like" The Gonzo Mama on Facebook, and don't forget to see what's cooking with Sexy Vegan Mama today!