Jun
23Dishonest company and not trust worthy!!!!!!!!!
For several years, I had 4 people on my auto insurance policy with Liberty Mutual, myself, my wife, both regular drivers, and my daughter and son, both minor (student) drivers. Understandably, the premium weighed heavily on the kids, with each of them accounting for 700-800 dollars of the entire premium. Recently, my daughter bought her own car and acquired her own independent auto insurance — now story starts from here — keep on reading: So I contacted Liberty mutual to have her name removed from my policy and was fully expected a drop of my premium by the same amount that was her portion when she was in (i.e., a drop by roughtly 700 – 800 dollars. Nope. That did not happen. My premium was reduced by a mere 40 dollars. You did not read it wrong, it was reduced by about 40 dollars, not even 400. I called them, and asked if they made a mistake. They denied. Instead, they said, well, since your daughter left, the good student credentital that was applied to your son is no longer there, and therefore your son’s premium is higher. What???? What does my daughter’s creditability has anything to do with my son??? If my son did not have a good student credit (as a matter of fact he did have it, and is currently a student at an Ivy college — so cannot be a bad student!), shouldn’t his portion of premium have been much higher ALL THE TIME anyway? WHy is is linked to my daughter’s leaving? Then they went like, Oh, let us check your account, and starting asking a bunch of questions like how many miles do you drive to and from work, etc, as if I was re-starting a new policy and getting a quote. And again, why does all that have anything to do with my daughter leaving my policy? Eventually, they did reduce my policy by 667 dollar, close to my expectation. But the process of achieving that was totally unpleasant and irritating. And, When I questioned them what caused the difference before and after asking me a long list of questions, they gave a couple of highly convoluted answers like they have to do with a lot of factors, such as your low annual mileage, your son being a college student etc. Come on, these are NOT new facts that I provided during the phone call. They had been there for years with them, unless someone arbitrary altered them so that I had to call in again to make sure the correct information was in the system. I think they were just maniputing my account so that even though my daughter left they still wanted to keep essentially the same premium, and hoping that I would not notice. When I did notice and challenged them, they of course did not have any answer and so had to go through all this to cover it up, again hoping that I am stupid enough not to know their trick. I have to tell Mutual Liberty people (and many other businessman alike): people are generally smarter than you think, and don’t fool them. I am leaving Mutual Liberty to Allstate. While I am fully aware that most businessman are not trust worthy and are out there to rip you off, I will deal with it one thing at a time.
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