Not thanks AIG, I rather pay more money
Written: Mar 04 '02 (Updated Mar 04 '02)
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Pros: cheapest rate.
Cons: missing paper work. long process delay
The Bottom Line: Great price, but they LIED. I don't do business when a company lie so obviously. What else are they hiding?
Stay away from them.
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| race136's Full Review: AIG - American International Group - Auto |
New Jersey has one of the highest auto insurance premium in the country. Most people shop around for auto insurance because it can save a few hundred bucks for basic liability up to thousands of dollars for full coverage if you get a good rate. A few years ago my father went with AIG and the rate was only 60% of the next cheapest competitor. The process was a little more complicated since we have to do everything through mail. (no insurer is allow to process application on the phone or online. It is the state law). This is the process he went through. He filled out an application after he called AIG to request one; after they received it, they will send a quote within 5 days (according to the application) and he has to sign the quote if he agrees to it and return to them; finally AIG will send the policy to him. The whole process will take about 3 weeks. He had three incident free year and really happy about AIG.
My old insurance policy was going to expire at the end of February, naturally he suggests using AIG. I have already decided to go with them anyway. Before I went away for vacation at the end of last year, I send out an application form, which I received from the mail. This is the last time situation normal.
After I came back from vacation, I found out that AIG has send back my application along with a letter request for 2 more pieces of information, a copy of driver license and a proof of address. I checked the application form that I filled out prior I left for vacation; there was no mention of these 2 pieces of information. There were 3 check boxes at the end of the application, which reminds me all the important information that I need to include; those 2 were NOT on the list! I was a little upset because I just wasted almost 4 weeks but not worried since I still have 5 weeks left. So I send them out immediately the next day. Since it said that it would take 5 days to process the request, I waited a week and half before I called them. The customer service was very good. I only have to wait about 5 minutes. However no good news. The rep told me that "because of the heavy volume, all request will take 2-3 weeks to process" and "there is no information in their database for my request since it has no been entered". Deja vu, I just recalled then that I had a similar conversation with a rep from AIG a few years ago when I first help my father apply for his policy. I was quite upset by then. My 9 weeks cushion suddenly became 3 weeks with no certainty in sight. Furthermore, AIG flat out LIED in their application form. What happen to "allow 3-5 days to processing"? If they can't process that many requests, hire more people, or state in their form. But DO NOT miss lead consumers!
I asked for another application form just in case they lost mine in the mail. Another week gone by with no quote or new application form. I called again, same answer again. I asked for another application. Again, a week gone by with nothing from AIG.
Now I have my new policy with Allstate from a local agent. Even if I received a quote from AIG, I am not going to accept it. The way I take it, if it take them that long and difficult to send me an application form, what happen if I report a claim? I guess that USPS will keep lose my mail to AIG and they never have to pay a penny.
Not thanks AIG, I rather pay more money.
Recommended:
No
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Epinions.com ID:
race136
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Location: New York
Reviews written: 29
Trusted by: 3 members
About Me:
Be happy, find positive in life every moment. This is my philosophy
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