Auto/Home Insurance---NOT EMC
Page 1 of 3 123 LastLast
Results 1 to 15 of 40
  1. #1
    Prospect
    Points: 6,791, Level: 24
    Level completed: 49%, Points required for next Level: 259
    Overall activity: 1.0%
    Achievements:
    Veteran5000 Experience Points

    Join Date
    Apr 2006
    Posts
    64
    Points
    6,791
    Level
    24
    Thumbs Up
    Received: 1
    Given: 0

    Auto/Home Insurance---NOT EMC

    I want ideas for switching my auto and homeowners insurance. I am currently with EMC, and plan to drop them ASAP. They tick me off everytime I see one of their envelopes in the mail. It means either a policy change, billing increase, or the new bill.

    Here's the deal. We have paid perhaps $10,000.00 to the robber-barons of EMC the last four years to cover an average home, three older vehicles, and a 2008 Chevy Impala. The only claim ever submitted was for when a branch fell on the newest car and damaged it last year.

    The breaker is that a speeding ticket my son got nearly two years ago (< 10 mph over) while he had his provisional license, means I now need to pay them an extra $800.00 + per year to cover the 2000 Pontiac Bonneville that he drives.

    I am done with them.

    I had American Family before we moved four years ago; not cheap, but fair. We don't have an agent in town and that is why I changed. I do prefer being able to stop in and talk to someone, and to my local agent's credit. they have been great for that.

    We also have a Condo in Ames where the son lives while going to school (I highly recommend this over the dorms to save costs). I will probably not change that coverage until it is due again just to have another chance to tell them bye you jack-wads.

    Please, share your thoughts and experiences. I am off tomorrow and have time to follow-up on leads and suggestions.



  2. #2
    All-Star
    Join Date
    Sep 2011
    Location
    Iowa City, IA
    Posts
    1,504
    Thumbs Up
    Received: 0
    Given: 0

    Re: Auto/Home Insurance---NOT EMC

    I'm a fan of State Farm, but I would be willing to guess C-Willy would suggest you talk to Adam Gray with Adam Gray Insurance in Des Moines. He is the sponsor of the site after all...



  3. #3
    Addict
    Points: 171,294, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 9.0%
    Achievements:
    SocialVeteran50000 Experience Points
    Stewo's Avatar
    Join Date
    Oct 2008
    Location
    Ankeny
    Posts
    7,252
    Points
    171,294
    Level
    100
    Thumbs Up
    Received: 445
    Given: 117

    Re: Auto/Home Insurance---NOT EMC

    We've been with progressive for quite awhile now and have had no issues with them. I'd at least give 'em a look.



  4. #4
    Hall-Of-Famer
    Points: 140,793, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 4.0%
    Achievements:
    SocialVeteran50000 Experience Points

    Join Date
    Jan 2007
    Posts
    4,509
    Points
    140,793
    Level
    100
    Thumbs Up
    Received: 0
    Given: 0

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by Stewo View Post
    We've been with progressive for quite awhile now and have had no issues with them. I'd at least give 'em a look.
    What do people think of FLO???



  5. #5
    Speechless
    Points: 562,943, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 5.0%
    Achievements:
    Social50000 Experience PointsOverdriveVeteranRecommendation Second Class
    ISUAgronomist's Avatar
    Join Date
    Nov 2009
    Location
    Back in Iowa!!!!!!!!
    Posts
    21,533
    Points
    562,943
    Level
    100
    Thumbs Up
    Received: 408
    Given: 203

    Re: Auto/Home Insurance---NOT EMC

    Just as well check out the site sponsor.





  6. #6
    Bench Warmer
    Points: 8,254, Level: 27
    Level completed: 18%, Points required for next Level: 496
    Overall activity: 0%
    Achievements:
    Veteran5000 Experience Points

    Join Date
    Jul 2006
    Posts
    255
    Points
    8,254
    Level
    27
    Thumbs Up
    Received: 0
    Given: 0

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by GoClone View Post
    I want ideas for switching my auto and homeowners insurance. I am currently with EMC, and plan to drop them ASAP. They tick me off everytime I see one of their envelopes in the mail. It means either a policy change, billing increase, or the new bill.

    Here's the deal. We have paid perhaps $10,000.00 to the robber-barons of EMC the last four years to cover an average home, three older vehicles, and a 2008 Chevy Impala. The only claim ever submitted was for when a branch fell on the newest car and damaged it last year.

    The breaker is that a speeding ticket my son got nearly two years ago (< 10 mph over) while he had his provisional license, means I now need to pay them an extra $800.00 + per year to cover the 2000 Pontiac Bonneville that he drives.

    I am done with them.

    I had American Family before we moved four years ago; not cheap, but fair. We don't have an agent in town and that is why I changed. I do prefer being able to stop in and talk to someone, and to my local agent's credit. they have been great for that.

    We also have a Condo in Ames where the son lives while going to school (I highly recommend this over the dorms to save costs). I will probably not change that coverage until it is due again just to have another chance to tell them bye you jack-wads.

    Please, share your thoughts and experiences. I am off tomorrow and have time to follow-up on leads and suggestions.
    I personally do not have EMC, but I do know that they are a more "premium" company, the belief that you pay more and expect to get better/more reliable service when you are actually in a time of need. It sounds like you are looking more for better price, so you could probably check out Progressive, Geico, State Farm. As others have mentioned, sure would not hurt to contact Mr. Gray at Nationwide.



  7. #7
    Pro
    Points: 30,435, Level: 53
    Level completed: 63%, Points required for next Level: 415
    Overall activity: 0%
    Achievements:
    Veteran25000 Experience Points
    CyPride's Avatar
    Join Date
    Oct 2008
    Posts
    2,537
    Points
    30,435
    Level
    53
    Thumbs Up
    Received: 2
    Given: 6

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by kas4cy View Post
    I'm a fan of State Farm, but I would be willing to guess C-Willy would suggest you talk to Adam Gray with Adam Gray Insurance in Des Moines. He is the sponsor of the site after all...

    State Farm is horrible. I had to get the attorney general involved with them in a storm damage case during a period of time when I live in the Twin Cities. All of a sudden my claim payment went from $2k to $17k.

    Here is a summary of how this insurance company does business:

    As the biggest property casualty insurance company in America, State Farm has become notorious for its deny and delay tactics. In many cases, the company has gone to extreme lengths to avoid paying claims, including forging signatures on earthquake waivers after the deadly Northridge earthquake, and altering engineering reports regarding damage after Hurricane Katrina.

    Hurricane Katrina showed State Farm at its worst. One of the deadliest natural disasters in U.S. history, Hurricane Katrina made landfall on August 29, 2005, near Buras, Louisiana. The storm killed nearly 1,600 people and caused $135 billion in damages.71

    One of the legacies of the storm was the widespread dissatisfaction with the response of State Farm and other insurance companies. State Farm would later claim it had settled 99 percent of its cases, but regulators criticized the company for using misleading statistics.72 The company claimed that any house that had what they considered water damage did not constitute a claim in the first place.73 In fact, the Louisiana Department of Insurance reported that it was contacted by 9,000 consumers seeking help resolving disputes with their insurance companies.74

    State Farm denied the claims of the Nguyen family of Mississippi, who lost their home in Hurricane Katrina. State Farm’s own engineers concluded that the damage was caused by wind and even cited eyewitnesses who saw another house picked up by the wind and thrown into the Nguyens’ home. State Farm, however, hired another engineering firm to come to a different conclusion and then denied the claim, saying the damage was caused by flooding. 75 State Farm also denied the claims of Dean Barras in Louisiana. Barras’s home was exposed to the elements for two weeks, but State Farm’s response was “the chimney was not built properly.”76

    Bob Kochran, CEO of an engineering firm assessing Katrina damage for State Farm, said that he was asked to alter reports with which the company did not agree. In order to keep the State Farm contract, Kochran agreed to tell his engineers to “re-evaluate each of our assignments.” One of the engineers, Randy Down, responded in an email, “I have a serious concern about the ethics of this whole matter. I really question the ethics of someone who wants to fire us simply because our conclusions don’t match theirs.” State Farm’s attempt to unduly influence the engineers was exposed during litigation in Jackson, Mississippi.77

    One such angry policyholder was United States Senator Trent Lott. Lott, who had long counted on insurance companies for support, became an industry critic after his beachfront house was destroyed by Hurricane Katrina and his subsequent claim was denied by State Farm. Lott eventually settled with State Farm, but went on to sponsor legislation requiring insurers to provide “plain English” summaries of what their policies did and did not cover. Hurricane Katrina had highlighted insurance company use of such things as anti-concurrent clauses, which led policyholders into believing they were covered from the risks of hurricanes, when in fact subsequent flooding might wipe out any chance of a claim being paid. “They don’t want you to know what you really have covered,” said Lott.78

    In April 2007, State Farm agreed to re-evaluate more than 3,000 Hurricane Katrina claims, and within a few months had paid nearly $30 million in additional settlements. 79When a grand jury later issued subpoenas probing new claims against State Farm, the company sued Mississippi Attorney General Jim Hood. Hood decried the lawsuit, saying the company’s agreement to reopen claims had never been intended as “blanket immunity” from future probes.80

    Like Allstate, State Farm used consulting giant McKinsey & Co. The McKinsey concept involves cutting spending on claims payments to boost profits. Agents steeped in the McKinsey way speak of the “three D’s”- deny the claim, delay the payment, and then do anything to defend against a lawsuit.

    In 1994, the Northridge earthquake in California killed 57 people, injured 9,000, and caused an estimated $33.8 billion in damage. It was the costliest earthquake in U.S. history, and insurance companies such as State Farm did everything they could to avoid having to pay for it. After it hit, a State Farm employee testified that company officials forged signatures on earthquake waivers to avoid paying quake-related claims and then withheld evidence when the company was sued. State Farm and other insurers accused of mishandling Northridge claims were fined over $3 billion in penalties; however, State Farm never actually paid the fines. Instead, an insurance department whistleblower would eventually reveal that the insurers donated $12 million to two non-profit foundations created by insurance commissioner Chuck Quackenbush in what amounted to little more than a bribe.81

    In 1999, a series of powerful tornadoes killed 44 people in Oklahoma and caused $1.8 billion in damages. Homeowners brought a class-action suit against State Farm, alleging the company had tried to undervalue damage to homes or claim damage was caused by other factors such as faulty construction. A jury eventually ruled that State Farm acted “recklessly” and “with malice” and disregarded its duty to policyholders. The firm that State Farm used to allegedly undervalue damage was Haag Engineering-the same firm that would be accused of mishandling Katrina claims six years later.82

    In 1999, despite Oklahoma tornado claims, State Farm earned $1.03 billion in profits after taxes.83 In 2005, despite Hurricane Katrina, State Farm turned a $3.24 billion profit. The following year, without a major catastrophe, profits increased to $5.32 billion, for which CEO Ed Rust received an 82 percent pay raise.84 In fact, since State Farm hired McKinsey, the company has seen profits more than double from its 1990s level to the $5.4 billion it made in 2007.

    Following the same tactic as Allstate, State Farm has embarked upon a campaign of market withdrawals and non-renewals in the aftermath of Katrina. State Farm has stopped writing new homeowners policies in Mississippi and Florida, and in the latter state non-renewed a further 75,000 policyholders.85 Just as they did in the aftermath of Katrina, State Farm stopped writing new homeowner policies.86

    While State Farm will do anything to fight a claim once it has been taken to court, the company has never been shy about using the courts to its own advantage, even when it has to first stack the deck. In the 2004 Illinois Supreme Court election, one justice-Lloyd Karmeier- received huge amounts from State Farm employees, lawyers, and groups to which the insurer belonged. Karmeier won the election and soon after cast a crucial vote reversing a $9 billion judgment against State Farm.87


    “The American people will never knowingly adopt socialism, but under the name of liberalism they will adopt every fragment of the socialist program until one day America will be a socialist nation without ever knowing how it happened.”
    – Norman Thomas, American socialist and six-time presidential candidate for the Socialist Party of America

  8. #8
    Chile Mac is on vacation.
    Points: 314,937, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 59.0%
    Achievements:
    SocialVeteranCreated Album pictures50000 Experience PointsOverdrive
    LindenCy's Avatar
    Join Date
    Mar 2006
    Location
    Chicago, IL
    Posts
    24,167
    Points
    314,937
    Level
    100
    Thumbs Up
    Received: 839
    Given: 2,150

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by CyPride View Post
    State Farm is horrible. I had to get the attorney general involved with them in a storm damage case during a period of time when I live in the Twin Cities. All of a sudden my claim payment went from $2k to $17k.

    Here is a summary of how this insurance company does business:

    As the biggest property casualty insurance company in America, State Farm has become notorious for its deny and delay tactics. In many cases, the company has gone to extreme lengths to avoid paying claims, including forging signatures on earthquake waivers after the deadly Northridge earthquake, and altering engineering reports regarding damage after Hurricane Katrina.
    Could you provide a link if you are going to quote that much?



  9. #9
    Hall-Of-Famer
    Points: 62,805, Level: 77
    Level completed: 73%, Points required for next Level: 445
    Overall activity: 11.0%
    Achievements:
    VeteranCreated Album pictures50000 Experience Points
    aauummm's Avatar
    Join Date
    Mar 2007
    Location
    On the road again
    Posts
    3,894
    Points
    62,805
    Level
    77
    Thumbs Up
    Received: 134
    Given: 1,363

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by LindenCy View Post
    Could you provide a link if you are going to quote that much?
    The quoted portion of the post should have been designated as such and put in quotes and italics. Proper credit should be given the source.




    Jamie's Fine for Helping Children:
    https://www.unitypoint.org/desmoines...-donation.aspx

  10. #10
    Speechless
    Points: 115,099, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 6.0%
    Achievements:
    Veteran50000 Experience Points
    ISUAlum2002's Avatar
    Join Date
    Apr 2006
    Location
    Urbandale
    Posts
    15,767
    Points
    115,099
    Level
    100
    Thumbs Up
    Received: 154
    Given: 135

    Re: Auto/Home Insurance---NOT EMC

    State Farm has been great to us. We've had to file two claims in the past two years due to getting hit by deadbeat (no insurance) drivers. State Farm handled the claims quickly and without hassle and did not increase our rates.

    EMC is also good, but as others have stated, they are expensive.



  11. #11
    Speechless
    Points: 562,943, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 5.0%
    Achievements:
    Social50000 Experience PointsOverdriveVeteranRecommendation Second Class
    ISUAgronomist's Avatar
    Join Date
    Nov 2009
    Location
    Back in Iowa!!!!!!!!
    Posts
    21,533
    Points
    562,943
    Level
    100
    Thumbs Up
    Received: 408
    Given: 203

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by LindenCy View Post
    Could you provide a link if you are going to quote that much?
    Here's the link for him: Worst Insurance Companies Deny Claims Raise Premiums | Get Insurance Claim Help




  12. #12
    Chile Mac is on vacation.
    Points: 314,937, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 59.0%
    Achievements:
    SocialVeteranCreated Album pictures50000 Experience PointsOverdrive
    LindenCy's Avatar
    Join Date
    Mar 2006
    Location
    Chicago, IL
    Posts
    24,167
    Points
    314,937
    Level
    100
    Thumbs Up
    Received: 839
    Given: 2,150

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by aauummm View Post
    The quoted portion of the post should have been designated as such and put in quotes and italics. Proper credit should be given the source.
    Yes, attribution should always be made, and it was clear given the formatting it was quoted.



  13. #13
    Hall-Of-Famer
    Points: 62,805, Level: 77
    Level completed: 73%, Points required for next Level: 445
    Overall activity: 11.0%
    Achievements:
    VeteranCreated Album pictures50000 Experience Points
    aauummm's Avatar
    Join Date
    Mar 2007
    Location
    On the road again
    Posts
    3,894
    Points
    62,805
    Level
    77
    Thumbs Up
    Received: 134
    Given: 1,363

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by GoClone View Post
    I want ideas for switching my auto and homeowners insurance. I am currently with EMC, and plan to drop them ASAP. They tick me off everytime I see one of their envelopes in the mail. It means either a policy change, billing increase, or the new bill.

    Here's the deal. We have paid perhaps $10,000.00 to the robber-barons of EMC the last four years to cover an average home, three older vehicles, and a 2008 Chevy Impala. The only claim ever submitted was for when a branch fell on the newest car and damaged it last year.

    The breaker is that a speeding ticket my son got nearly two years ago (< 10 mph over) while he had his provisional license, means I now need to pay them an extra $800.00 + per year to cover the 2000 Pontiac Bonneville that he drives.

    I am done with them.

    I had American Family before we moved four years ago; not cheap, but fair. We don't have an agent in town and that is why I changed. I do prefer being able to stop in and talk to someone, and to my local agent's credit. they have been great for that.

    We also have a Condo in Ames where the son lives while going to school (I highly recommend this over the dorms to save costs). I will probably not change that coverage until it is due again just to have another chance to tell them bye you jack-wads.

    Please, share your thoughts and experiences. I am off tomorrow and have time to follow-up on leads and suggestions.
    I have had Allied/Nationwide for everything including investment property for 32 years and have always been pleased with them. However, I am the only one on the policy (the wife does not drive) and have no accidents or tickets.




    Jamie's Fine for Helping Children:
    https://www.unitypoint.org/desmoines...-donation.aspx

  14. #14
    Pro
    Points: 47,713, Level: 67
    Level completed: 55%, Points required for next Level: 637
    Overall activity: 5.0%
    Achievements:
    Veteran50000 Experience Points
    IowaStateClones's Avatar
    Join Date
    Dec 2009
    Posts
    2,299
    Points
    47,713
    Level
    67
    Thumbs Up
    Received: 252
    Given: 88

    Re: Auto/Home Insurance---NOT EMC

    So are you saying that you can't "Count on EMC"?



  15. #15
    Starter
    Points: 18,882, Level: 41
    Level completed: 93%, Points required for next Level: 68
    Overall activity: 0%
    Achievements:
    Veteran10000 Experience Points

    Join Date
    Apr 2006
    Location
    Grimes
    Posts
    785
    Points
    18,882
    Level
    41
    Thumbs Up
    Received: 1
    Given: 0

    Re: Auto/Home Insurance---NOT EMC

    Quote Originally Posted by IowaStateClones View Post
    So are you saying that you can't "Count on EMC"?
    I have Safeco through an Independent Agent. Very happy.



Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
  • TV: Cyclones.tv
  • HOOPS: Iowa State vs. Mississippi Valley State
  • December 31, 2014
  • 06:00 PM