I went to Esurance because it offered to cut my auto insurance in half. My husband is disabled and our adult son had his hours cut. They were happy to take my money and give me a policy on 10/16.
The first part of November I started getting emails threatening to cancel my policy. I live in MD but it is a small town without home delivery to those of us living within the town proper. So all my mail goes to a P.O. Box. I moved here from TX and, since my husband is disabled, I don't have the money to change my DL from TX to MD. When I got the policy the agent said it didn't matter. My son is on the policy and he does have a MD-DL showing our physical address. We all live together. My husband even has a MD-DL showing this address but he doesn't drive and is not on the policy. None of the utility bills are in my name as I do not work at this time. I do have a Blockbuster by mail account in my name but it comes to the P. O, Box!
The "underwriter" at Esurance told me to fax my bank statement. It comes electronically and the address on it is the P.O. Box! So I drove 20 miles round trip to the bank, get a copy of 30 days worth of transactions. His logic? Where I spend my money would show the general vicinity of my "garage address". Keep in mind faxing is $2 per page and I have already faxed at least 5 pages. So faxed a copy of my son's DL, six pages of bank statement and a cover letter on 11/20. On 11/27 I get an email notice that my policy will be cancelled at 12:01 12/16 because I failed to prove where I live.
I called from my cell phone since we have no landline. I waited nearly 45 minutes on hold, using my valuable cell minutes, only to be told that they have no record of me faxing them the bank statement. I have the paper showing that it went through. So guess what? They want me to fax everything again. I told them I have the P.O. Box application from the Post Office with my PHYSICAL ADDRESS on it. That's only one page. But they said they must have my bank statement... All 6 pages.
Don't be fooled by the online "convenience" of Esurance powered by Allstate. It's is WAY more trouble than it is WORTH!
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