We went to local Allsate agent David Martin and purchased insurance. My wife told the agent at the time that "I" Charles Collins was required to carry an SR-22. Agent agreed to sell us SR-22 coverage and assured us that proof of coverage would be sent to DMV. My wife asked if she should take proof of coverage to DMV her self since there was a limited time frame. 3 weeks later we recieved notice from DMV that I was suspended for failure to supply SR-22. I contacted DMV that we had purchased coverage with 2 days to spare and they should have an SR-22 on file. DMV said "they have never recieved SR-22 filing from Allstate".
When my wife went to David Martin's office she was told the SR-22 was automatically sent out from the main office and given another form called an SR-26 with the original date and sent to DMV with that. DMV informed my wife that not only was that the wrong form (SR-26 ends SR-22 coverage) but that it did not matter if an SR-22 was supplied to them or not. I would still have to pay a $75 re-instatement fee even though I purchased coverage in time. My wife contacted Allstate after the date of cancellation and asked them to pay the re-instatement fee based on the fact that they have failed to provide the coverage that they have been paid for. After a week long investigation by an allstate investigator she was told that the underwriter made the decission not to provide coverage for us based my status as a high risk driver. My wife asked the investigator if in fact of what they have done was to sell us a service and then refused to provide that service. As a result of their possible illegal practices I have incurred many unexpected financial problems.
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