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Carol of Aurora, CO November 9, 2008

Carol of Aurora CO (11/09/08)
Esurance issued me a 6 month policy back on July 13th, 2008, renewal date of November 15, 2008. The rate on the July 2008 policy was substantially lower then the new rate, even after continuous insurance coverage, and a perfect driving record. The policy was then billed, without my consent or notification on November 4th, 2008. After shopping for groceries this afternoon, when I went to check out my purchases, my card was declined. Is there any way I can get a court order to subpoena email records of notices they supposedly send out?

Insurance companies I thought were REGULATED more exclusively because how policies are rated, and rates change over time, and consumers need to be informed on way premium amounts change. Currently I have overdraft fees of 130 because of the 696.00 policy charge. The CSR also indicated that it is standard to pre-pay 10 days prior to your bill renewal which to me is fine print fraud, as there is nowhere that clearly indicates this.

Total bank charges and fees are still unquantified at this time, and are still being added as I did not find out about this till today when my debit card was declined. I will not be able to afford car insurance till I get my banking issues resolved and able to afford it again which puts consumers like me in a disadvantaged position in addition to the current economic impact it may spread over a serious of months as I reconcile my charges.

In addition this may have a negative false impact on consumer credit ratings as that these days is imperative and standard practice to use credit scores in obtaining future car insurance. So Esurance's financial practices has compounding negative impacts on consumers, therefore falsifying in advertisements that they are consumer friendly. Esurance is also uses a bait and switch illegal practices, baiting consumers with low intro rates and then (even with PERFECT driving records) raise rates uncomparitively from the previous policy rates to something very different. PLEASE BUYER/CONSUMER BEWARE WHEN PURCHASED ESURANCE AUTO INSURANCE.

Martha of Ingleside, IL October 28, 2008

Martha of Ingleside IL (10/28/08)
I bought a six month polcy and agreed to only a six month polcy but after six months they decided to renew my polcy with out my aproval in the contract esurance has all there clints sign no where does it state about revoling coverage , without approval! after two hours on the phone no one could explain this leagal loop hole . they told me that they sent me an email stating that my coverage would roll over unless i called and cancled it . but i never gave perrmission for them no roll it over . no where does it say anywhere in my contract or anywhere on there site that ploicy roll over?

Michele of Woodbury, MN September 16, 2008

Michele of Woodbury MN (09/16/08)
They debited my account for money that I did not authorize, and would not give the money back, which resulted in overdraft fees, they also raised my nephew insurance from 600 to 1800.00 because he did not give proof of insurance, when he was a new driver and never had insurance previous to that.

I have overdraft fees, and stop payment fees and Im out 300.00 for insurance that I never had??

Ray of Huntington, NY September 9, 2008

Ray of Huntington NY (09/09/08)
I signed up with esurance for auto insurance on jan 31 2007. They billed my credit card every 6 months for 18 months. On july 6th 2008 an esurance representative called me to advise my credit card payment was rejected. I had cancelled the card a month before due to a dispute with the bank. I called back on July 18th and gave them new credit card info to bill. They never billed the new card and cancelled the policy with no notice to me on July 31, 2008. I received notification from DMV 30 days later and after going to various levels of management, Esurance refuses to reinstate the policy.

Because the lapse was greater than 30 days, I have incurred penalties from DMV and a difficult time getting any other insurance company to write me a new policy. This is extremely unfair in lieu of the fact that Esuarance readily admits the had new credit card info to bill prior to cancellation.

Rachel of Wethersfield, CT September 9, 2008

Rachel of Wethersfield CT (09/09/08)
Esurance underwriters sent me an email telling me that they had information about two other drivers possibly in my household and that I needed to provide Esurance proof of those drivers' car insurance coverage or file an exclusion form regarding these drivers, otherwise Esurance would alter my policy as they saw fit. I emailed the underwriters asking where they got their information from about the drivers they named but they only replied with the insistence that I had 14 days in which to prove insurance coverage for the drivers in question or exclude them from my policy.

I emailed them back to let the underwriters know that I had no intention of providing Esurance with proof of coverage for those drivers, that their request was an invasion of privacy of those individuals and since I had not added them to my policy, Esurance could not legally alter my policy to reflect these drivers and if they continued to pursue the matter then I would cancel my policies with Esurance and send a complaint to my state government's Department of Insurance.

One final email from the underwriters insisted I comply with their wishes, so I canceled my policies and sent copies of the email correspondence to the Department of Insurance. I am still waiting for a response from the Dept of Insurance, and I found an another insurance provider who charged me half of what Esurance was charging me.

As a consequence, I am out 50 for the early cancellation of my policy, although they did reimburse me the balance of what I had paid for the policy term.

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