Quote Originally Posted by Mr. Silver View Post
I'm not a fan of AllState at all. But most companies have a model that leads to this evasiveness:
- they have bonuses paid based on loss experience, so
- if they manage to talk you out of filing a claim, then they stand to make money.

The goal is to incent agents to avoid "high risk" clients...the unintended consequence is a divergence between the caring ads and the harsh reality.

Big agents can get past that with diversification...but one with a small book of business will struggle with the balancing act.

Yeah I kind of got it but when you have been with them a while and never had a wreck in your life (except when I was 17 I hit a deer), DH never. You would like help sorting through the mucky mess. We couldn't even get an adjuster to look at it for a week to make a call on whether it was totalled. But the bikes are covered for theft, I don't think you can get a policy for wrecking it yourself. Maybe Lloyd's of London?