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Esurance Informative - Esurance Scam - Insurance
Insurance
SIOUX FALLS, SOUTH DAKOTA -- Senior Esurance employees scan the internet for negative comments about "their" company. These as usually full-blown zealots that will tell the public anything to protect Esurance. I know this because I use to sit by three different zealots in the 2 years I was there. Allow me to run the scam outline by you again and explain. You take out an Esurance policy. You're required to present proof of prior insurance to Esurance - so you send it. But alas...your proof of prior insurance doesn't get processed. So the company computer rerates you for a higher amount. (The amount assessed for someone who has no history of prior insurance). And then the computer takes out a huge amount from your account to make up the difference for the rerate. You find out from your bank or cc company that a huge amount was taken from your account, and you hit the ceiling. You then call in very mad.
Is this illegal? No...but just barely. Because if you're aware that the money was taken out of your account, and you're willing to call in - Esurance might take care of the problem. Keep in mind that a significant percentage of people won't notice or call in, or want to fight it, so Esurance keeps the extra money after the rerate. (Which is a lot - taken times the total number of customers that don't call). So even if you should make the call to customer sevice. They tell you that the Processing Dept. checks Proof of Prior Insurance emails and letters in the order they're received, and they'll notify you when the correction is made. During the same time YOUR background can be further investigated to see if you have any speeding tickets, accidents, etc. that could lead to a justified increase. (So they can keep part the money taken from your account the second time). These games go on and on. All legal - but not the way I would want to treat people.
Then there's the issue of fees. The fees are outrageous, and the system programmers have found cleaver ways of making the fees, and other , less obvious to find for people that aren't very observant.
Want to hear more stories? Let me cut to the chase. Don't give Esurance your card number. Go elsewhere. Because if you don't. I'll be here to say - I told you.
Is this illegal? No...but just barely. Because if you're aware that the money was taken out of your account, and you're willing to call in - Esurance might take care of the problem. Keep in mind that a significant percentage of people won't notice or call in, or want to fight it, so Esurance keeps the extra money after the rerate. (Which is a lot - taken times the total number of customers that don't call). So even if you should make the call to customer sevice. They tell you that the Processing Dept. checks Proof of Prior Insurance emails and letters in the order they're received, and they'll notify you when the correction is made. During the same time YOUR background can be further investigated to see if you have any speeding tickets, accidents, etc. that could lead to a justified increase. (So they can keep part the money taken from your account the second time). These games go on and on. All legal - but not the way I would want to treat people.
Then there's the issue of fees. The fees are outrageous, and the system programmers have found cleaver ways of making the fees, and other , less obvious to find for people that aren't very observant.
Want to hear more stories? Let me cut to the chase. Don't give Esurance your card number. Go elsewhere. Because if you don't. I'll be here to say - I told you.
Comments:
Posted by Ponie on 2007-02-08:
I've never worked with Essurance, so can't comment on their MO. However, I take exception to your statement 'a significant percentage of people won't notice.' Whaatt?? I can tell you right down to the penny how much should be or is deducted from my accounts. If there are people out there who pay so little attention to their $$$--they deserve to be overcharged or ripped off.
Posted by Ponie on 2007-02-08:
Now here's proof I've never dealt with Esurance. I don't even know how to type the name properly! :(
Posted by dfields on 2007-02-12:
i totally disagree with you Ponie. people who do not watch their money closely, DO NOT DESERVE TO BE RIPPED OFF! there are a lot of mentally disabled and seniors (my grandparents) who's mind has slowed with age.
at the very least, consumers do need to be careful. i fear growing old because of companies such as this one!
at the very least, consumers do need to be careful. i fear growing old because of companies such as this one!
Posted by illuminatus on 2007-02-12:
"I take exception to your statement 'a significant percentage of people won't notice.' Whaatt?? I can tell you right down to the penny how much should be or is deducted from my accounts. If there are people out there who pay so little attention to their $$$--they deserve to be overcharged or ripped off."
Response: Ponie many of the Customer Service Reps that I use to work with believe that stupid customers deserve to get ripped off. Those Reps will do anything to keep their $12 per hour jobs. The management in Frisco can predict what percentage of people will allow themselves to be ripped off, that's why they make so much profit. Some people notice when more money is taken out of their accounts, and some don't. Out of the total number that call Customer Service, the company computer will give a controversial reason for the increased premium and many customers will buy the story. It's a legal bait and switch, and Esurance is good at it. Ponie, don't learn the hard way.
Response: Ponie many of the Customer Service Reps that I use to work with believe that stupid customers deserve to get ripped off. Those Reps will do anything to keep their $12 per hour jobs. The management in Frisco can predict what percentage of people will allow themselves to be ripped off, that's why they make so much profit. Some people notice when more money is taken out of their accounts, and some don't. Out of the total number that call Customer Service, the company computer will give a controversial reason for the increased premium and many customers will buy the story. It's a legal bait and switch, and Esurance is good at it. Ponie, don't learn the hard way.
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