In using credit scoring for insurace purposes, Erie Insurance used the reason "Number of Accounts Paid As Agreed", as a reason why I was being charged more for my insurance. When I spoke with them and with ChoicePoint I was told that I had to have had dilinquent accounts, foreclosures, or charge-offs showing on my credit report. I obtained a copy of the credit report that they supposedly used. None of this showed on the report. As a matter of fact, all accounts on the report were listed as "Accounts in Good Standing" and "Never Late". After fighting with them several times about this, and contacting the Department of Insurance, they changed their mind, and said that the reason was coming up because I pay my accounts as agreed, but I have too few, or not enough accounts that I have to pay -- that I didn't have the "optimal number of accounts". When I asked them what the "optimal" number is, of course, they "don't know". When I asked ChoicePoint, who supposedly supplies the information to them, they "don't know" as well. They claim that they have to know how many accounts are listed on your report before they can tell you whether or not you have the optimal number. Sounds to me like there really is no optimal number! Maybe they are pulling this reason out of their deep, dark, hole, as an excuse to charge people more. What do you think? Additionally, how does Erie have the nerve to charge people more for insurance, because they pay their other bills as agreed--when Erie Insurence Group, themselves, require that payment be made on time? According to Erie, though...even though the paper that was sent with my policy stated that I was being charged more because of this reason and other unrelated reasons, "I am receiving a discount." Apparently no one at Erie knows the definition of "discount". I would love to know which dictionary has "an increase in price" as the definition of "discount"! If they are pulling this crap on you, call them and give them H_ _ _! Erie Insurance 1-800-458-0811 (Ask for an Executive Assistant, not customer service). ChocePoint 1-888-497-0011 (Ask them to explain their logic). Ohio Department of Insurance 1-800-686-1526 (Ask how much the insurnce company pays them to go along with whatever they want to pull).

Erie Insurance Group - www.erieinsurance.com

After Thirty years of being a loyal costumer to Erie Insurance, we were throughly disappointed with their service. We are safe and considerate drivers with only a few small fender benders with a small claim to fix our car after being hit by a truck which was not our fault. But we never had serious crash or totaled a car and when we went for 20 years without a claim and giving them over 50,000 dollars later where were they when we needed them. Once again with accident that was not our fault with no injuries but the car was totaled in the accident. The car was only a 2002 model with only 36000 miles on it along with new tires and yet they apprise it for about 7000 dollars. The car only had a few more payments and then it would have been out but then they had to with hold 20% to use to help pay for the title of the car. Which is understandable but in order for us to find a used car like the one we had cost from 8000 to 10000 dollars. And always we asked was for a an extra 500 to 600 more dollars to help us purchase the car we want. Its not like we are trying to ask for a 12 or 13 thousand dollars here, we just wanted a few extra hundred dollars to help us out and make us a happy and satisfied costumer. Well now we are unhappy costumer that getting only like a 5000 dollar check which can hardly get us anything in this day and age. And now to make matters even worse once they said that our claim was settled they gave us only two days to use a rent a car and find a new car by then. There is no way one can find a new car in that amount of time. After being a loyal costumer and giving so much money they give us no time to find a new car and to use a rent a car and by valuing it out with the blue book as they call it. We were given the shaft even with out money and loyal service. To others out there with Erie Insurance or considering Erie Insurance, "DO NOT GET ERIE INSURANCE!". It may sound nice but they are not. They are unreliable and they they have ignore our complains on how they have served our claim. We hope others will not make the same mistake we did in trusting Erie Insurance.