ALL the new auto business the CCC/CIC & Web write is short rated and pleasure. They assign to agencies then leave them the mess to clean up. I guess rules only apply to some but not all.
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The Wolf 🐺 does not understand why we all can’t get along? The fact of the matter is that greed and deceit has existed in Allstate for a very long time. I can attest that toxic environment existed in the mid 90’s when the Wolf 🐺 was just a puppy 🐶.
Sales management has ALWAYS turned a blind eye to the cheaters. The high producers in the agent channel were always put on a pedestal even if they were writing fraudulent apps. I’m sure the same practice goes on in the direct channel too. Sales numbers seem to out weigh writing business correctly.
Painting all agents as cheaters is not fair. Moreover painting all direct sales people as id–tic mo–ns is not true either. I can speak on behalf of the agent channel, when we would find apps that were done incorrectly in order to achieve a sale and a commission, if we turned the fraudulent parties into management, they turned a blind to the bad applications. Management wanted to make their numbers. I-report was a joke. Nothing was ever done when we reported fraud on the I-report.
What you are left with is a polluted book of business, probably 50% of which is not priced correctly. Everyone, keeps bringing up Progressive and so am I. Their system is constructed to protect against fraud. One example of this, drivers are automatically assigned to cars on the application. At Allstate, driver assignments are manually done by the Agent or LSP. No such thing as a short rate at progressive. Furthermore, Progressive is priced that it would be id–tic to try to cheat the system.
Progressive direct is priced the same as agent business. Progressive is smart for not giving up margin on their P&C business like Allstate is doing with their direct business.
I challenge the people that are left in the Allstate cesspool to try to make a difference. Don’t be seduced by sales metrics. Integrity is something that should not be put on the shelf whether you are in the Agent Channel or the direct division.
Maybe instead of throwing out shade on a corporate layoff message board Mr./Ms. Holier Than Thou Agent should be tending to their oh so busy and fabulous agency. Let me guess, this d—beat agent only steps into their office once a month to pick up their check from Allstate and b–ch when their commission is 50 cents below what it was last month. I don't work in CCC but agents make me sick with their better than everyone personas.
I have to respond to this. I currently work at Allstate but used to work with State Farm’s CCC and worked directly with agents & agency staff. Does CCC make mistakes when they bind policies? Of course. Corporate training is very vanilla & doesn’t cover state specific laws/regulations very well. This is a problem for the more complex states like California. Florida, Pennsylvania, New York etc.
However, agents & agency staff make a ton of mistakes too - quite a bit actually. Agency staff members aren’t trained the same way as corporate employees. Their training depends on the agent. Some agents have little to no involvement with their agency processes - they merely collect a check. A lot of State Farm agents were less involved with P&C but more involved with L&H - or neither branch of business. Sometimes, agents would purposely add the wrong discounts, quote with low annual mileage, falsify length of driving history, make up previous insurance history and much more. From my personal experience, Agency did this far more frequently than CCC. What happens next? At a policyholders renewal, the wrong discounts will be removed, they’ll be rated with the correct annual mileage etc. Agency would also do bizarre stuff with property quotes.
SO, long story short, agency shouldn’t be hurling insults at CCC. They make a lot of mistakes that go unchecked. Agencies also cost the company a ton of money. From my experience at State Farm, so few people actually talk to their agents.
As someone who has been on both sides of this I can say that you are both wrong. CCC doesn’t cheat as much as agents say, but there is some trash that I have seen first hand. Anyone who doesn’t think that (EA) agencies don’t write the majority of the business just doesn’t have a clue. Agents are known to write bad business as well but again it isn’t as widespread as you would think. IAs...well they don’t write Allstate at all LOL (okay just a little). There is a lot of hate pointed at the CCC and agents and neither are deserving. In my opinion, Allstate management has created a toxic environment with subpar rates so everyone is a little on edge. Let’s just coexist and ride this storm out? The agent/CCC relationship is mutually exclusive IMO.
This has zero to do with layoffs but I would be happy to respond. I'm not in CCC but agents who live in glass houses should not throw stones. We handle a ton of messed up business bound by you used car salesmen-esque t–ds called agents. From purposely short selling requested coverage to putting on unwarranted discounts only to have them fall off on next renewal to flat out lying about deductibles. You j–koff agents take the cake. From someone who is neither an agent nor CCC I see about 5 incorrect, errorred, or flat out fraudulent policies bound by agents than bound to every on of CCC's. Also half of agents books were before the recent changes bound by the CCC and assigned or "gifted" to the agents. This notion that agents bind the majority of Allstate business is an outright fantasy and fabrication. Agents are some of the biggest waste of resources and funds this company has. One of the biggest mismanagement pieces of this company is not going completely direct but no surprises there as head management of this company is a complete incompetent dumpster fire. And all this doesn't even take into account that the average Allstate agent is a compulsive liar, an unbearable egomaniac, has minimal business acumen, live a life of instant gratification or else, and have the behavior and temperament of a 6 year old child. Maybe instead of laying off thousands of corporate employees in 2020 the nimrods in Chicago should have cleaned house with the exclusive agents. More money would have been saved and a lot of headaches eliminated.