Insurance Companies of Concern Alpharetta, GA

Disclaimer: While the concerns below highlight potential issues with certain insurance companies, we offer solutions to help you navigate these challenges. These concerns are shared to raise awareness about policy manipulations by these insurers. If you’re dissatisfied with your current provider, please check out our recommended insurance companies [Here].

Insurance Companies We Recommend Staying Away From

Companies of Concern – Key Findings

Through extensive experience and customer feedback, we’ve identified several insurance companies whose claim-handling practices may fall short of fair consumer standards, particularly concerning the appraisal clause. This clause is critical for resolving disputes over claim values. Below are the key findings for each company:

1. State Farm

  • Restricted Appraisal Clause: Limits the appraisal clause to Actual Cash Value (ACV) claims, excluding diminished value and repair-related disputes.
  • Consumer Impact: This limitation often forces consumers to pursue costly litigation to resolve disputes.

2. Auto-Owners Insurance

  • No Appraisal Clause: Policies lack an appraisal clause, leaving disputes over repair estimates, ACV, or diminished value to be resolved through legal action.
  • Diminished Value Waivers: Some agents reportedly encourage policyholders to waive diminished value claims in exchange for reduced premiums, potentially undermining consumer rights.

3. Allstate

Allstate exhibits several troubling practices related to the appraisal process:

  • Delays: Employs appraisers who prolong proceedings, often taking up to 120 days to resolve disputes.
  • Weakened Clause: Removes the term “binding” from appraisal clauses in some policies, reducing enforceability.
  • Biased Appointments: Selects appraisers and pushes for umpires favorable to Allstate, compromising neutrality.
  • Claim Manipulation: Frequently uses the appraisal process to minimize payouts.

4. AAA-Memic and Turo

  • Diminished Value Exclusion: Policies explicitly exclude diminished value coverage, leaving no recourse for recovering post-repair losses.
  • Appraisal Clause Limitations: Appraisal clauses can be used only for Total Loss ACV claims.

5. Donegal

  • Conditional Diminished Value Claims: Denies diminished value claims if repairs were completed by a third-party insurer and Donegal did not inspect the vehicle beforehand.

6. Safeco & ALFA

  • No Appraisal Clause: Policies lack an appraisal clause entirely.
  • Consumer Burden: Policyholders are forced to either accept the settlement offer or pursue legal action, creating a costly and burdensome process.

7. MileAuto & Trexis (Owned by ALFA)

  • Conditional Appraisal Clause: Policies include an appraisal clause that requires mutual agreement between the policyholder and insurer to activate.
  • Insurer Refusal: Insurers can refuse to activate the clause, effectively nullifying it and forcing consumers to pursue legal action for dispute resolution.

8. Commercial Insurance Policies (e.g., Lula, Auto-Owners, and Others)

  • Policy Limitations: Some commercial policies include unique restrictions that may limit claim options.
  • Recommendation: Share your policy with us for review to identify potential issues before proceeding.

Consumer Guidance

These findings reveal significant challenges consumers may face when dealing with certain insurers. If you’re affected by these practices or have concerns about your policy, we’re here to help.

  • Next Steps: See the attached flowcharts for guidance on filing claims and navigating these obstacles.
  • Contact Us: Reach out with any questions or for assistance in reviewing your policy.

Our happy clients!

Wreck Check Atlanta is the leader in Post Repair Inspections, Diminished Value Assessments and detecting Improper and Unsafe Repairs. Due to our success we have many satisfied clients that would like to tell you about their experience with our company.

  • Amazing! He told me early on how much money he was going to be able to get me and he was spot on. I paid a small fee to get thousands more in my diminished value claim than the insurance company was offering. Further, RJ was very easy to get in contact with. He responded to my emails almost instantly. The whole process went by so quickly once he was involved. I would recommend him to anyone.

    Hunter Owens
  • My insurance company offered me 37 bucks in diminished value. My case was slightly complex due to the insurance companies appraiser being stubborn and difficult. It had to be escalated to an unbiased umpire for a final binding decision. I wasn't expecting for it to go this far however it did. I ended up getting close to 3K back. RJ is extremely professional and he fights for you. The only issue to me is his preferred method of communication which is by email. Which i became accustomed to because he responds more prompt that way. He generated a 30 to 40 page report. He works extremely hard and for that I'm appreciative.

    Ricky Major
  • RJ is Awesome! He got me 10x what the insurance company offered on a 2 year old accident. Also, I traded the car in 7 months ago so I no longer had it. If I could share this experience with every person I see I would. I’ve already told several family and friends, it’s really just unbelievable to me! If you have any question what so ever, I promise his fee will be the best $275 you’ll ever spend!!

    Paras Raichura
  • Very responsive and professional. Helped me through the process step by step. I know that without their help I would not have gotten any money from the insurance company, literally pennies on the dollar without Wreck Check!

    Mayra Saldana
  • RJ Sweeney is very quick, effective, and efficient. He got me more money out of my car’s value after my insurance company low-balled me. Use him!!!

    Jessica Via
  • Helped us through the process. Very responsive. We were able to get more than we originally though. Thanks, RJ!

    Dani Senne
  • This was my first time working with a diminished value appraiser and RJ Sweeney made it an amazing experience. He helped me get 10 times the amount of the original offer from the insurance company

Need help now?

Call us for immediate service!

Call Us: (770) 675-1828
Text Msg Line: (770) 759-8765
Skip footer