Allstate Auto Insurance Reviews

I have been a customer with Allstate here in Alberta, Canada for over 20 years...no at-fault accidents and insuring multiple rental properties, my primary residence and all of our family vehicles with Allstate. In September 2019, another driver hit me from behind, I sustained injuries and immediately reported the accident. It took forever for anyone to get back to me...to the point where I had to file a complaint. Allstate wasn't even responding to the company who was their "preferred" auto repairer. Finally, after getting really angry and complaining and the car repair place doing the same, I got authorization to have my car fixed. I was assigned an injury adjuster who never returned my calls and finally after about 3 weeks called late at night leaving a message full of personal excuses why she hadn't returned my calls. Then I never heard from her again. I was getting physiotherapy and seeing my doctor and still couldn't contact anyone from Allstate. Finally, after complaining of several occasions to the Allstate person who sold me my insurance, I got assigned to an injury adjuster. Again, I could never get ahold of him, he never called, he never followed up and again after emailing him and saying I was going to file a formal complaint and wanted to speak to his manager, I got a call and an email. I remained at work (heavy-duty mechanic apprentice) and was struggling. The work is very heavy and my injuries were not getting better... I was beginning to have numbness in my neck and arms and reported this to my insurance adjuster, my physio, my doctor and I was told I shouldn't be doing regular job duties because it was delaying my recovery. My Allstate adjuster was completely aware. I was told by my physio to ask my employer for alternate duties during my recovery. I contacted my employer and let them know that my injuries were from an MVA (and not work-related) and explained the problems I was having in performing my pre-accident work duties. They said they would get back to me within hours, I received an emailed letter from my employer, terminating me because "I was not able to do my regular job duties". I contacted Allstate immediately because I didn't qualify for any kind of disability benefits through work and couldn't do my regular job duties. I let them know that I had been terminated when I asked for alternate duties because the injuries weren't allowing me to do my regular, pre-accident work duties. I asked the Allstate adjuster, what I was supposed to do and at the same time, I asked about help shovelling snow, etc. He did not address the weekly disability benefit (my policy premiums covered but I wasn't aware of) but he did say he would pay for help shovelling snow. I kept bringing up the fact that had I not had the accident, I would still be working and it was the injuries from the MVA and not being able to do my job were what caused the job loss. He didn't really address this at all. Meanwhile, I contacted a lawyer to help me get an ongoing payment from the employer because I was a contract worker with a set term contract and I thought that I would be able to get ongoing payment because it was no fault of mine that I was not able to work. My legal pockets (visa) are not deep as I am a single mom so the claim didn't go long. The employer was willing to go on to trial and I didn't have any more money so all I got was wages they had owed me in my last week and had to sign a non-disclosure statement promising not to disclose the details of my termination and the name of the employer. I kept the Allstate adjuster "in the loop" the entire time. Allstate even approved years worth of psychology appointments to help me deal with the fact that "As a result of the MVA injuries, I was terminated from my job". Finally, I am paying my auto premiums for 2020/2021 and I notice I'm paying a premium for Weekly Indemnity benefits and when I questioned this (wanting this removed) I was told it was mandatory (basically, there is a government portion of every policy that is required and mandated under a standard government policy). I was angry because I had been suffering financially for a year, by this point and the Allstate agent was barely involved in my claim let alone guide me through getting the benefits I was entitled to. I contacted him immediately and he sends me the "forms". Since my doctor and psychologist have been following me since day 1, the forms were filled out quickly. My doctor was completely aware and in agreement that I was not able to perform my heavy job duties as a heavy-duty mechanic apprentice and filled out the forms accordingly as did my psychologist. I submitted all of the information including a letter from my employer saying that I was terminated because I couldn't do my job; a record of employment showing the termination date; dr's letters; (physio reports which Allstate has on file talking about the termination and what the job duties were doing to my injuries); a timeline letter outlining the sequence of events from the date of injury to present. Within a day, I receive an email (not a letter) denial of my claim simply saying that because of the circumstances I was not considered disabled as per the definition of the policy. The adjuster did not even make one phone call to me or to my medical providers to discuss the claim (which is what claims adjudication does). The email indicated that I was terminated because the employer didn't have modified duties. This response was odd. I have been a disability claims adjudicator for over 20 years and knew how to read insurance policies and legislation so I pulled the Alberta Standard Auto policy and their definition of disability under an Auto Insurance claim indicates that weekly indemnity Section B benefits cannot be claimed unless one is "wholly and continuously" disabled by the injuries from the automobile accident". In accordance with the Alberta Standard Automobile Policy, this definition of disability means that the disability must prevent one from doing "any and all of your job duties". Well, the Allstate adjuster is saying that because I could have done modified duties, I do not qualify (I think this is what he is saying but his email is not clear). Needless to say, not once did my employer contact me to say they couldn't provide modified duties (Allstate is making an assumption based on nothing) and nowhere in the employer's termination letter did it say I was being terminated because they didn't have modified duties (again, Allstate adjuster made an assumption based on his own opinion and nothing else). The fact is that the definition of disability says that "you must not be able to do any and all of the duties of your job". It does not say "you must be unable to perform any work". I have contacted the Allstate Ombudsman and have never received anything more than the generic email in response to my submission for contact. I am disgusted with this provider. Customer service has gone into the toilet and they have people working for them who have NO idea how to do the job let alone make claims decisions based on facts.

It's the worst company I ever dealt with, they're unavailable at all time, and they lie at all time.

I had an accident 2 weeks ago. No one reached out to me for the first 6 days. After they reached me, estimates and appraiser is missing. Car is lying at workshop where no one cares, in spite of multiple calls and reminders. No response yet. This is the worst customer experience you can imagine.

Worse customer service. The adjusters are not picking up their phone and not even calling back for any updates. You need to invest blood and sweat to contact them.

Three months ago, I was rear-ended at a yield sign in Mississauga. When I took my vehicle in for repairs, the insurance company insisted that I pay the deductible, despite the accident not being my fault. Then, they only agreed to pay half of the repair costs as quoted by the body shop. To make matters worse, I had a car seat and stroller in the vehicle at the time of the accident, and I’m still waiting for a replacement three months later.

My adjuster has been incredibly unprofessional and unreliable. For months, I've been asked the same questions repeatedly, and it takes her two weeks to respond to emails, if at all. I’ve had to call multiple times just to get basic updates. However, when it comes to collecting my monthly payments, they are always on time.

This company does not even deserve one star. Extremely disappointed with the lack of customer service.

Tried to reach nine (9) different numbers at both local agency and main service office. Waited between 7-12 minutes on EACH call, listening to the same message about how important my call was to them. Gave up in disgust. Cant understand how they can stay in business with such TERRIBLE customer service. DISGUSTING insult to customers.

Horrible experience. Once they have your money, that’s it, you can’t get anyone on the phone or email. Do not go with them. Also wasn’t offered accident forgiveness like with other companies, and my insurance went up seventy percent over a parking lot accident with no investigation done at all.

In just over a month, I have talked to 4 different agents who told me 4 different prices for the three vehicles that I own and share with my children. It’s absolutely outrageous that this can be happening. Not only are they telling me different prices, but they are also not honoring what they say. I’ve had no paperwork in over a month, the app info is always wrong and after having added a third car, they have just withdrawn $1405 for one month. My 18-year-old son is paying $4265, my daughter is paying $2800, and I am paying $2028. It’s robbery and I want out. It’s a total of $9100/year. It’s like having a second mortgage to drive. I can wait to find a new insurance company who knows what they’re doing.

Allstate recently renewed my insurance in July and raised the price by 1400$ for the year after a year of clean driving, no accidents or claims. I spoke to an agent to cancel my Allstate insurance before the month restart. The agent told me I will not be charged for the next month and should be getting funds back for the days I did not drive under the insurance Allstate. A week later they charged me full price "350" for the future month I attempted to call them and took about 30 minutes to start speaking to an agent. When I asked why my insurance price went up, they told me “it's because all insurance around the country went up". I asked to speak to a manager, and they told me that the manger would contact me 2-3 business day. The Allstate manager called me a week later and discuss why my price went up significantly. The manager tried finding every excuse in the book to why my insurance went up. The manager also told me there's nothing they can do for me and I will not be getting any of the 350$ I was charged for the future month and will not be getting a refund for the days I was not using them as an insurance. I've been with a little Insurance in the past and Allstate is by far the worse Insurance company and the customer service is abysmal. I would NEVER recommend anyone to ever use such a terrible company… Never use All state.

Waited for over an hour the first time I called in got hung up on by the rep, they called back 45 min later the time it took me to call back and remain on hold again. After I put my claim in went to the auto body shop a month later and my paperwork still had not been received by All State, I have now been sitting on hold for another hour just to ask them to send my paperwork over, again. Very unprofessional. I do not recommend All State Insurance at all!