August 27 I contacted an insurance agent by the name of Mike Mullen in regards to having a few vehicles insured. I started off by having just one vehicle insured to see how he operated, well everything seemed to be going ok so I had Mike insure me with business, workers comp, and cargo insurance as well. I initially recieved a quote for $2800.00 dollars. That was fine.
September I bought 4 for more vehicles for my business and decieded to have these insured also but with less limits than the bigger truck I own because I do different work these vehicles that dont require as much insurance. Mike's office insured me without a problem except they forgot to mention that I would have to drop an additional 20% down payment on the total premium combined for all these vehiclesthe following. Nor did he mention that all my vehicles would carry the same coverage.
Now I have dealt with other insurance companies in the past where you could add the vehicles with the only result being that you pay whatever difference in your monthly payments. Long and behold this was not the intentions of Mike Mullen! Back to the beginning, The $2800.00 was to be paid on September 28th in which it was. The following week Mike decieded to automatically withdrawl $2000.00 from my checking account without my consent nor ever recieving a bill for the new vehicles I added, when I caught it I called Mike and he said that it was a done deal, I couldn't get my money back. I did though only by calling Allstate cooprate in regards to his behavior.
October 28th I get a bill from Mike Mullen for the amount of $6800.00 for the vehicles I added. I was outraged! After recieving the bill I contacted Mike and that's when he decieded to inform me of his method of doing business, which was new to me after dealing with Progressive which I regret leaving!
Now for all this insurance you would think I would have all the coverage in the world. Wrong!!!
October 24th Mike ammended my policy by adding Non Owned Autio coverage to my policy without my knowledge which was another charge of $128.00 per vehicle. During the week of October 26th I placed one of my vehicles in the shop for repairs. Just my luck the shop went up in flames but to add insult to injury I find out that the shop never had a lick of insurance and Allstate denied my claim of loss. My agent once again failed to explain that Non owned auto coverage which only extends full coverage to vehicles I rent or borrow but not my own vehicles.!!! Crazy right...
Saga continues... Now we are up to Dec. 1st I called Mike Mullen to report a home damage claim using my supposed business insurance which covers any home I'm doing work in. I explained to Mike my situaton, Mike assured me that I would be covered 100% before getting off the phone with him. 1 hour later Mike calls me back saying that the policy wasn't issued because of a bounced check. Well this check was issued initially 8/27/08 when I signed on. Ironically the check wasn't cashed until 12/1/08 so I visited the bank to inquire about this check. The bank informed me that November 29th was the first time this check was ever presented to them and it cleared Dec. 1st 2008. The bank also gave me a copy of the front and back of the check, the also illustrated to me that the back of the cancelled check shows all activity on a check being presented for payment. The check never bounced!!!
This has been one nightmare after the next dealing with this shady individual so stay away from this insurance gangster. I'm still fighting this guy but had to let you guys know how he plays...
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