Richard R.

I have the unfortunate circumstance of living on a curve that is difficult for drivers to navigate. I have had damage done to my property numerous times by drivers with different insurance companies. Of all the companies I have had to file a claim against, Geico has been the most understanding and have followed through with what they said they would do. They have been consistent as well. Never once have they unreasonably questioned the cost to repair damages to my property. This is extremely important for you when choosing a company to represent and protect you if you are responsible for damaging or injuring another person or their property. If your insurance company doesn't treat the victim of your accident fairly, that victim, will most likely end up filling a lawsuit against you to recover damages. They don't need to deal with your insurance company when you are the one at fault because you are the one responsible for the damages, not your insurance company. You don't want your insurance company messing with your financial stability because they want to make money for their shareholders. You buy insurance to stay out of court. If the company is more concerned about their shareholders then they are with protecting you and you wind up in court, your insurance company is not fulfilling their contract with you. In my experience as a claimant with Geico, they are doing what they have contracted to do. As with any purchase of an insurance policy, understand what you are buying, what you are not buying, and don't be afraid to ask questions. Also remember that different market places have different people working in them and a national company may be better at serving customers and claimants based on the caliber of the employees working in those areas than others. Do your research carefully because your understanding of insurance is something that can make a difficult time easier to navigate or make your life miserable.

I have been dealing with Allstate for over a month. The property damages their insured caused exceed $70k. Allstate was kind enough to send me a check for $4000 for full payment. I am under no obligation to deal with an insurance company that is being completely unreasonable. This means that the person that was paying all those premiums to stay out of court, will now be in court. He will most likely end up paying out of pocket and have to go after Allstate for breach of contract. If this sounds like fun to you, go ahead and buy insurance from Allstate. If not, run the other way.

Do not use OnTrac if you intend to keep your customers! This company has failed all three times they have had the responsibility to deliver a package to me. The first one was left at the road to be run over the second one was listed as delivered and was not. It took a written complaint and a call for them to finally deliver the package two days after it was marked as delivered. The last one was left in our driveway during heavy snow. We were lucky to have found that one before the snow melted. AGAIN, RETAILERS, IF YOU WANT TO HAVE REPETE CUSTOMERS, DO NOT USE OnTrac!