Allstate is a Sinking Ship
From the Insurance Forums site…
Do NOT enter Allstate’s scratch agency program! I went in with a group of 20 agents and the only one that is still around is the agent who purchased a book of business. I was going to buy an agency but thank goodness I didn’t. Remember this with them you DO NOT own your book of business, what you do own is an economic interest. However, if you do not meet the company’s expectations you will be out on your arse with what they call a TPP settlement. On top of that the rumor right now is that the commission is about to be cut below 8% with no overhead expense. You need to send an email to runningclock@aol.com and ask for a secret decoder ring. It is a newsletter about the inside workings at Allstate. Also, there will more than likely be an Encompass (independent Allstate brand) with better rates and commission just down the road from you. Go to the Allstate website and look at all the agencies across the nation for sale, for an agent Allstate is a sinking ship.
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Personal Injury Protection Coverage:
Personal Injury Protection (PIP) covers, within your limits, the medical or funeral expenses of you, passengers, or pedestrians injured in your accident. This coverage is only available in certain states, so always check with a licensed auto insurance agent.