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Dear Friends,
I hope this letter may save some from experiencing the same difficult circumstances that we did.
Steven Loewen
Dear People-who-pay-for Insurance,
Please read this story since it may apply directly to you, especially if you have teenagers: Not long ago we were embroiled in a conflict with our automobile insurance company, Erie Insurance Group, through no fault of our own. One of our children was involved in consecutive accidents, which in turn required the services of Erie Insurance. Granted, no one wants to pay out large sums of money, so reluctance on part of the Erie Insurance is understandable. However, this particular insurance company, after two accidents and even though our child was eighteen and had their own policy, cancelled the policy and attached our child to our policy without our approval and then tripled our insurance payment. Ironically, immediately before this event my wife and I were granted pioneer rating status due to our unblemished driving record.
So what should be obvious, and is the source of our anger at Erie Insurance, is their apparent practice of either dropping ones insurance (as in the case of our child) or increasing it to where it becomes unaffordable. Make a note that just because this child lives under my roof, in the opinion of this insurance company, my wife and I are culpable for the accidents. Now, any reasonable adult would agree that to some extent we parents do share the responsibility for the actions of our children, even when those children become adults. The point here is that Erie Insurance Group will not support you when you experience difficult times but will in fact, hurt you.
Erie Insurance Group obviously has a standard practice of not supporting their client when life takes a difficult turn. Would you want to do business with such a company?
In society we are exposed to insurance companys everyday just begging for our business. My advice to you is to access opinions of others before you commit to a company with situational ethics, who will drop you even when you have done nothing wrong. Do not go with the cheapest price because, as is with many important decisions, you will get what you pay for.
Steven Loewen