My first rant will be about Erie Insurance Company. It is not my intent to slander or make Erie Insurance look bad, however I believe we should all be more informed consumers. I will be the first to admit, I know or understand little about car insurance. I just know I need it to drive my car legally.
Erie Insurance is a company based in Erie, PA. They do not service all 50 states but they do serve my state which is Ohio. I discovered them through an insurance agency online about 8 years ago and have been with them ever since.
I will not post the exact letter they sent me, however the letter dated 6/23/10 begins "Dear Policyholder". Now this is one thing I take issue with, the generic greeting, "Dear Policyholder". I have been with your company 8 years and this is what you come up with? The rather short and impersonal note goes on to say that they have decided not to renew my policy because I had too many incidents with their company. Now isn't this why we pay for insurance, so we are covered in case accidents happen? Why would they decide to drop a long term customer and not just raise the rate? Their rather brief and final notice explained little about their decision.
The accidents that I actually claimed on were the following:
01/20/2007 My vehicle was hit in a parking lot by someone else (not my fault, I wasn't even in the car)
02/08/2008 I hit a pole in a parking lot (yes this was my fault)
There was 3rd incident in December 2008 but I dropped that claim because the damage was minor. They never paid anything out on this and there was never a police report filed.
I admit I am not the best driver, nor always the most careful, however I was puzzled by their decision and wrote them a letter.
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