I went to Allstate to go get some Auto Insurance and got a policy. But a month later I get a letter stating my policy is terminated due to no proof in "continuos prior insurance", but I never told the guy I had insurance before. I think the insurance man might of put that in to give me a lower price on the policy, but in the end that screws me over. SO what do I do, becuase the letter says that "They encourage for me to get couverage elsewhere" which I guess is saying goodbye Allstate. SO if anyone here knows anything about insurance can you answer
1.Can I still insure with Allstate?
2. Is my credit score lowered?
2006-09-24 15:35:53 · 4 answers · asked by A 3 in Cars & Transportation ➔ Insurance & Registration
I would additionally recommend taking up the issue with the agent who sold you the policy to begin with. Allstate, in general, does not usually offer insurance to people who do not already have coverage or have an established history of coverage. From that perspective, they have the right to deny you insurance, BUT, if you represented the information correctly, you may have some sort of recourse.
Your credit score is not affected by any of this information.
Lastly, there is a deadline, or should be, on the letter you received. Please be aware that you have to obtain your other coverage by that deadline.
Good luck!
2006-09-24 17:48:01 · answer #1 · answered by purplepinkanddots 3 · 0⤊ 0⤋
Your credit score should be fine. However, Allstate is saying if you want to insure with them, you have to prove you had insurance with another company before you came to them. If you can't, then you'll have to call around to find out who will insure you with a lapse in coverage.
2006-09-25 18:44:01 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
I'm not sure of allstate's insuring policies...but contact their main 800 number...i think it 1-800-all-stat and tell them you never said you had previous insurance and do not want this to effect your record....they are open 24 hours...call the number on the letter. If they are fighting you on this...contact the state insurance dept...
2006-09-25 00:04:49 · answer #3 · answered by Chef Susy--Cookin it up! 4 · 0⤊ 0⤋
Alot of that depends on the state you live in. There are different laws in different states. That also should not lower your credit score. Most companies check credit to determine you financial status-just to make sure you can pay them.
2006-09-25 00:47:43 · answer #4 · answered by Beth G 2 · 0⤊ 0⤋