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At Reviews. com, editors were consistently stymied by the process and had to make a phone call to a live agent. However, with the variety of discounts The Hartford offers, a knowledgeable agent may be a plus, rather than a minus. Another low profile but highly rated insurer is Auto Owners Insurance. Coverage is available in only 26 states, but customers say the company offers a smooth claims process and personable service through its extensive network of local agents. Policyholders also say they're mostly happy with premiums and the variety of available discounts, but some complain that plans aren't as flexible as those offered by competitors. Though 24 hour service is available, customers are expected to work with agents directly when they're available, a potential drawback depending on the type of service you prefer. Like Amica Mutual and Auto Owners, Erie Insurance typically flies under the radar. Customers report high levels of satisfaction with service and claims experiences. Erie also grabs the top spot in a national survey of customers' car insurance shopping experiences, with its local agents receiving above average marks. In one owner survey, it gets very good ratings for claims processing, price and service satisfaction although some say it is pricier than other options.

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01.14.2007 | 34 Comments

WHAT THEY CAN DO FOR YOU: Many insurance departments offer on the phone assistance to help resolve the "Problem" without requiring you to file a formal "Written Complaint". Most post their complaint forms on their Web sites, allowing you to print out the document, complete it at home, and mail it to them. If they don't have a web site ask that they snail mail their "Written Complaint" form right out to you !After you provide them with all the necessary information including your policy or claim number and supporting documentation they will notify the insurance company or agent you're complaining about. The company or agent is then required to respond to the department within a certain amount of time, usually between 10 to 30 days, depending upon the area where you live. Upon receiving a reply, Insurance Department officials will dig deeper, trying to determine what can and should be done. This process usually takes about 30 days. If the Insurance Department decides against the agent or the insurance company which is clearly stated and one both your insurance company and your agent know to be a fact of their business life they'd prefer not to get hung up on nor be forced to deal with the Insurance Department has the power to levy a variety of penalties, ranging from a fine to actually revoking the license of the agent or company. When it comes down to the nitty gritty, these departments have all the power they need to penalize companies that are deliberately ducking or dragging their feet. After reading the above, you may want to consider hiring an attorney to represent you because it can get complicated!If you do, find one who specializes in Auto Insurance. Attorney's work either at an hourly rate or on a "Contingency Fee Basis", depending on the type of case. If you decide to go that route be sure to get your lawyer's "Fee Structure" in writing.

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01.14.2007 | 16 Comments

A liability policy is generally required of all drivers, which covers any damages a driver causes in the event he or she gets into an accident and is at fault. There are 12 states that require drivers to purchase no fault insurance. In these states, each driver is compensated from his or her own insurer, regardless of who was at fault, unless the injuries are serious enough to be an exception. Other types of coverage are usually available, including collision and uninsured or underinsured motorist coverage. To learn more about auto insurance, how it works and what to consider when buying a policy or making a claim, view the articles in this section. Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange Exchanges are inter insurance exchanges owned by their policyholders and organized under the laws of the State of California.