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Old 08-11-2015, 04:04 PM   #21
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Once, long ago I tried to make a claim on an Allstate policy. They refused saying that I had other coverage that should pay instead. That policy said basically the same thing, that I had a different overlapping policy that should pay. But both of the policies (medical) were Allstate policies.

Never again. If the insurance is not available when you need to use it, then the insurance is worthless. Some decades later I'm still telling this story of bad bad customer service.
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Old 08-11-2015, 04:12 PM   #22
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To get back to the OT, I remember the first "gas crisis" in the 1970s when supply was cut back sharply and people waited in lines to buy gas. There was a lot less driving. I worked in pricing auto insurance and some insurance departments actually mandated that we factor in a discount when using historic data because people were driving less. So yes, the impact of changing driving patterns due to gas prices is quantifiable.
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