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Michelle of Tampa FL (02/10/08)
I was involved in my first severe automobile accident where an Esurance client hit my car by making an unsafe left turn. Facts of the incident: 1) Esurance client made a left hand turn through an un-lighted intersection. 2) Esurance client did not check for on-coming traffic before preceding though the lanes of traffic. (3 lanes) 3) Esurance client violated my right of way and the traffic police officer cited only him for the entire incident. 4) Upon notification of the incident to Esurance, they are claiming that they are only 90% responsible for the accident. 5) My insurance company, Geico, disagrees and feels that they are not following correct guidelines and could be trying to intimidate me into accepting some blame in an effort to save money. 6) I was informed by Esurance that the traffic citation was not a factor in their review and that I now must pay for 10% of the accident even though I was following the rules of the road. 7) Several witnesses stopped and provided testimony that he was completely at fault for the accident. I would like to know if I must accept the 90% claim offer or if there is a review recourse that I have in regards to this situation. Your help and guidance in this matter is appreciated. If you require more information or documentation of these events, please let me know. Thank you for your help.

The consequences of the accident will be formally reviewed and disclosed sometime this week. I expect a full and total loss of my vehicle as frame and engine damage occurred as well as both air bags deployed. Both parties involved in the accident were physically hurt, but not severely enough to warrent a hospital visit.

Elise of Leavenowrth, WA February 2, 2008

Elise of Leavenowrth WA (02/02/08)
Esurance claims two of my clients have signed a waiver denying their rights to Personal Injury Protection in their car insurance. In the state of Washington, by law a company has to receive a waiver with an actual signature that clearly states what they are signing away. The company cannot produce this hard copy, and yet they continue to deny PIP to my customers. They are refusing to pay me, the Massage Therapist, for the work I have done. The hard copy Esurance did produce was a typed waiver that did not explain what Personal Protection Insurance is, and it only had on X marked next to the claimant's name. In both cases Esurance claims the insurance was waived on the internet.

Yet according to my clients, they had no knowledge of denying this. In fact, one had requested increased PIP amounts. Esurance also informed the other that she had waived under-insured motorist protection. Again she had no knowledge of this, and in the state of Washington it needs to be signed in person with full awareness of what they are signing away. Please look at how many PIP claims are paid by Esurance in the state of Washington.

PIP is what pays your medical expenses when in an accident whether it was your fault or not. It also covers loss of wages and services rendered. If people are being refused medical care because they cannot pay out of pocket and are told they are not covered, the long term consequences are horrendous on the physical, economic and emotional level.

Jon of Dover, FL January 28, 2008

Jon of Dover FL (01/28/08)
My premium has changed six times in the six months I've been with esurance. I've provided about a hundred documents, and I've spent way too many hours with this. The original solicitation I received from esurance was to save me about 300 per year but now, as of my last statement it's actually a 200 per year increase from my old provider, Electric Insurance. Since I've not had any claims, and no citations to alter my original quote, I'd have a very hard time recommending esurance. At best, it's been poor Customer Service but I'm considering making a complaint to the Insurance Commissioner regarding deceptive advertising practices, in my case.

Joe of Jacksonville, FL January 9, 2008

Joe of Jacksonville FL (01/09/08)
I signed up for a policy with eSurance. They originally quoted me a little over 500 for 6 months, but once they ran their check, it went to over 800 per 6 months. Their stated reason was an insurance credit check, but I have excellent credit (700+ score) and no points or accidents on my drivers license.

I asked them about proration and cancellation fees repeated before agreeing to the policy via telephone on a recorded line. My intent, given the high rate, was to get another policy and cancel quickly, but I needed that policy immediately as I was out of time. The telephone rep assured me that any unused premiums would be refunded on a prorated basis to the day and that there were absolutely NO cancellation fees at all.

I found a much better rate and canceled my eSurance policy. They then said it would take a couple of weeks to get my prorated refund put back on my credit card AND stated there would be a 79.21 cancellation fee!  I told them that their representative assured me that this was not the case on a recorded line and asked them to check the recording. I was then informed that recorded lines are only used for training purposes.

It was then the I realized their run around and crooked ways. This was no accident.  In my opinion, they have unfair business practices with their consumer public.

Bill of San Bernardino, CA January 4, 2008

Bill of San Bernardino CA (01/04/08)
They used a bait and switch along with using their early termination rules to keep me tied to them. They told me by phone and email that the difference of my policy change was one price, then took a lot more than agreed out of my checking account. If I cancel because I don't like being overcharged, well guess what, they get you with their early termination rule.

Piper of Spring Valley, CA December 3, 2007

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