So more of the community is aware, I'm posting a link to a thread that has been going in Metro for a few months. A few months is how long Esurance has been holding a friend's S2000 while they investigate him and his claim.

The bottom line is he had a mechanical failure on the way home the day after a HPDE event on 9/7/14 (I was with him at the HPDE event and the house a group of us shared). He spun out and did damage to the car; no other vehicles involved and no injuries. My friend is extremely honest, a white collar professional of mature age who elected to tell Esurance the entire story which included his attendance of the HPDE the day prior. It wasn't long after that that Esurance required they take the car (his property) from his possession where it had been garaged all its life to a facility where it sits out in the elements to this day. Along with that they demanded he surrender all of his phone records for 15 days surrounding the incident along with personal contact information of the people he called or exchanged text messages with. All of this despite an official police report documenting the incident including his skid marks on I80 (he also has photos of this which Esurance has). If all of that wasn't bad enough he's now being called to testify under oath about the claim, which he will do.

Let's not rehash whether he should or should not have disclosed he was at an HPDE the day before, it's been done. The point is for the community who owns the same car and may do the same types of activities (even if you don't) to be aware of the way this company has treated a long-time paying customer the one time he's needed them for a claim. I won't say 'boycott', don't buy, or anything like that but you can read this, the thread linked to below, and come to your own summation of what you should do if you are a customer of this company or were considering becoming one.

https://www.s2ki.com/s2000/topic/110...rance-company/

 

Thanks for posting this gofast182. What they are doing to this member is just horrible.

If you have Esurance or know someone who does, be aware.

3 months later and still no closer to getting his car fixed.

 

Crazy story, can't believe they would put someone through this! Thanks for sharing!

 

word to the wise.

Also, always remove or cover your plate as well when on track. photos have a way of finding themselves onto the public domain where insurance companies can see what you do then cancel your policy.

terrible story all in all.

darcy

 

Good to know. I almost went with them.

 

Well, when you purchase insurance direct from a company with no representation available sometimes you have problems. As an agent I would be stepping in and lighting all kinds of fires to assist my insured.

Everyone seems to be shopping price only - insurance is not a commodity. Be sure you're represented well before something happens.

 

Flip side, I do have Esurance and they have been fantastic at managing my claims, quick payout to my financing company, etc. Haven't had a single issue with them as a company.

It's good to keep in mind that both of these are one-off experiences with the company. I'm definitely keeping them.

 

The insurance company "took" his car? How'd that happen? <--- this is my beef. He obviously gave it to them.

From the insurance company standpoint this is a highly suspicious claim. They've heard this innocent story too many times.

Here's a guy who's been flogging his car around a race course for a weekend and somehow, magically, innocently has a -- what'd you call it -- mechanical failure -- of unknown type or origin that spun his car beyond his skilled racing driver control. No problems on the race course but crashed on a public expressway (?) at legal (sure) speeds.

Like any encounter with any type of authority just answer the questions they ask. Insurance companies are not in business to pay claims.

-- Chuck

 

Yes they are in the business of making money, but insurance companies are the biggest scam artist there are. They have no problem taking your monthly payment, claim free, but as soon as you need them and make a claim, your rates and deductible go up. What insurance companies do is a crime. If they can jack up the your rates when you make a claim, it should work the other way around. Payments should decrease over time the longer you go without making a claim.

 

The part of insurance I find the most egregious is how they drag their feet, make you jump through hoops and red tape when its claim time. Play game of bouncing you around to a different person each time you contact so they can deny knowledge or understanding of your claim. Make you do all the follow up. All in a ploy that at least some of these claiments will not be persistent (or die or otherwise become incapacitated) and they'll never have to pay (what they rightly, and legally, are bound to), or at the very least delay payment such that they hold on to the $ for longer, which in big business there is $ to be made from delayed payout.

Its truely dispicable. If such companies were individuals, they would be hated and likely jailed. But being a corporation there is no one person to call out. Not even CEO, not even in post Sarbanes-Oxley world.