Esurance

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Peggy of Jackson MS (04/27/08)
I have read all these complaints. Well I'm a customer of esurance. So far my issues with them are minor. I went a few years without a car and when I obtained one, I went with esurance. When I signed up (Internet) for my policy, I wanted the premium to be deducted from my savings account and filled in the form for them to do that. Well, unbeknownst to me - a couple of times I had bounced checks and couldn't figure out why. Finally after a few months, I learned why. Somehow they had managed to be deducting the money from my checking instead of savings. I thought about calling them to get that fixed, but decided that I didn't want to risk having them accidentally cancel my policy.

The one thing that I still have a problem with them about is that they refuse to let me set a billing date. They say they don't offer that. Had I known this when I signed up for the policy, I would've arranged to have the effective date about the 5th of the month and would've had my brother let me keep the car on his policy until that then (I bought it from him). My problem is that I'm a state employee (Mississippi) and we get paid on the last business day of the month. So, the billing date matters to me.

A couple of months ago they ran the draft through and it bounced. A few days later I did get a call from an esurance rep about it and I once again told him about needing to set a specific date. He told me that they are working on providing that. I changed to having the billing go against my debit card and he told me that if they can't get an authorization on the date the premium is due, they will automatically try again in 5 days. So far, so good. If I ever do decide to change carriers, once it's done I will go to my Credit Union and have them cancel my current debit card and reissue me another one so that esurance can't continue to charge me after I cancel.

I don't know how much money is involved - less than 50 probably.

Vicki of Fenton, MI April 25, 2008

Vicki of Fenton MI (04/25/08)
My son obtained his driver's permit and they quoted me an additional 378 per month to add my son to my policy. I told them I could not afford that amount and I sent them emails telling them I did not authorize them to add him to my policy, would seek other insurance and told them to cancel my policy. They attempted to deduct the money from my account 4 times, all the while I sent them emails informing them they did not have the authorization to change my policy or deduct the money from my account. I was laid off and informed them I did not have the money to pay the 476 they were attempting to deduct. They sent me a cancelation notice, and then two days later deducted the money from my account and sent me a reinstatement notice.

I do not feel they had the right to change my policy and then deduct an amount from my bank without my written authorization. I specifically instructed them to cancel my policy and not to deduct the amount from my bank. Upon going to an insurance agent, I was informed that they have many clients that have had similar problems with Esurance. I will never do business with insurance companies over the internet again.

There was not enough funds to cover the amount they deducted from my account, resulting in 145 in nsf fees with my bank. I felt threatened that they would continue to charge my account, so I opened a new account to avoid any further non-authorized deductions.

Michele of Niceville, FL March 16, 2008

Michele of Niceville FL (03/16/08)
I recently visited the Esurance web site and got a quote that would save me money on my auto insurance. When I went to buy the plan it told me to call the 800 number and speak to a customer service person. After giving them my debit card info, they proceeded to help me buy the policy. But at the end, the price was about double the amount quoted (more than I am paying with my current provider). I told them that I did not want the policy that I was going stay with my current policy. The next day I get an e-mail thanking me for purchasing the policy. I called them to cancel the policy that I never wanted in the first place. Today I received an e-mail saying that the policy was cancelled but an hour later I received an e-mail saying that the policy was reinstated. Is this happening to a lot of customers and how hard is it to cancel and get refunded for something I told them I did not want purchase in the first place?

Charged 389.76 to my checking account resulting in nsf fees.

Sonny of Eureka, CA March 3, 2008

Sonny of Eureka CA (03/03/08)
We put in a claim to Esurance because a driver insured through them, ran a red light and pretty much tore off the entire front end of our car. We have made calls to them on several occasions and even since the initial claim have had to 'force-feed' them information that should be their job to collect. Esurance is still delaying this issue as I write this. We've had no help from our insurance company (Allstate), and inline with many of the other statements made on this website, Esurance has done their best to string this out. Repeated calls (I actually did talk to someone) had yielded no results until they found out how much the towing and storage of our wrecked vehicle is costing them.

Anyway, lessons learned: Esurance seems like nothing more than a slime-ball insurance company with slick ad campaigns and a propensity for questionable drivers. Don't think that your insurance company is going to do anything 'extra' for you (even if you have been with them for years). Figure on getting a lawyer if you are on the wrong side of an accident.

Still waiting (1 month) for an answer, repairs, estimates or for our car to be auctioned off while Esurance drags their feet.

Jeffrey of Brooklyn, NY February 12, 2008

Jeffrey of Brooklyn NY (02/12/08)
These people do not want to pay out claims. They do not return calls. They place you on hold within seconds of actually reaching a person (which in itself is a miracle). In order to speak to a person about your claim you have to basically lie and report it as a new claim. Otherwise if you 'press 3' to discuss a claim already filed, you WILL ALWAYS GET AN ANSWERING MACHINE, which is useless since calls are NEVER EVER returned. This company is a joke and worst of all, I'm not even a policy holder.

I'm out a car, I'm out a car seat, I'm out a stroller, I'm out towing and storage. All in all close to 15K!! If this isnt resolved by the end of the week I'm going to BBB, the news channels, to everyone everywhere willing to listen.

Michelle of Tampa, FL February 10, 2008

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