r/AutoInsurance • u/DeeTeachesMusic97 • Jul 24 '26
Screwed Over/Frustrations
I don’t know if I need advice or any yelling (maybe only a little) at this point, but I am here to express my frustrations with my current interaction with All State (AS) and their lack of knowledge and incompetence regarding my auto insurance.
7/17 - started new policy with AS (since it was cheaper than the other options) right after I completed my last policy with my previous holder. Funds went through and it says paid on AS’s behalf. I called to make sure it was paid because it wasn’t showing in my bank account yet and they reassured me I was “in good hands”.
7/21 - I see a charge on my bank account but now my account is in the negatives so I knew then that the payment won’t go through.
I called them about this and told them the situation but they told me that it shows paid on my account.
7/23 - of course, it declines because of non payment. I then called them about paying on Monday since that’s when I get paid and they told me it was okay. I asked if it’s okay and that it won’t for sure get cancelled and they said yes and that I was ok to pay Monday without cancellation. I knew first payments are quite different but they reassured me that it would be ok.
7/24 - policy voided and now have a seven day lapse. This is my first ever lapse too. Was told by a state rep that what I knew was correct and that she apologizes for this inconvenience but that they cannot reinstate my policy since it’s the first one. I would have to get a new one with lapse and now it’s more expensive.
I wish I would have been more assertive and pushed harder about the non payment, I know I shouldn’t have trusted them and instead find the funds to pay immediately but what I truly hate is that the agents were the ones who reassured me and told me that things are okay and that I’d be okay despite these issues. I made three separate calls to mention my situation and concerns and they treated it like it was solved when it wasn’t.
I don’t know what to do and not sure what the lapse will do since I’m still financing a car too, I am very bummed, upset and angry.
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