As of this writing, there are three 1-star reviews. They sound very accurate based on my experience. I'd be skeptical of the 5-star reviews. How many of those say anything about needs after they got their policy? They are very happy to get their policy, but how many of them have made a claim?
I was with this agent for almost 6 years. Until about a year ago, I only saw a couple red flags which I dismissed. Everyone makes mistakes sometimes.
The big red flag came when I moved and needed an address change. I have three policies (auto, rental, and business). When I was moving, I called to have the address changed on these policies. They said that they would take care of it. Nothing happened. So, I tried to change it online. That worked for I think just one address, so I had to call them again. They once again said no problem. Nothing happened. I call them again. They once again said no problem and they actually managed to change one of the addresses. Eventually I get them to change the third policy mailing address, but of course there is another problem it took me awhile to pick up on.
I'm self-employed and work from home. My business location is home. It took quite awhile to get them to change the address for this policy, but it turns out they only changed the mailing address, They left the business location as my old address. I called them many times about this. Each time they said they would call me back and rarely did. Each time they said it was changed and it wasn't. Nine months passed since I moved and tried to change my address. Nine months of trying to get them to do a simple address change and they never managed to do it. I talked to at least three people, so I can't lay the blame on one incompetent person, rather the entire office or a large majority of it seems to be incompetent.
Now I'm thinking to myself, if they can't handle a simple address change after nine months of asking them to do it, how are they going to handle a claim? I shudder to think of it. I, of course, decided to move my policies to another office. The office I wanted to move to said they preferred I request the office change through my current office so as not to step on their toes. I was doubtful, but gave it a shot. I called many times. Each time I was told I'd be called back and wasn't. Each time I was told the policy transfer was happening and it wasn't.
Next I try to get the policy transferred through the new office. They sent an official request. This produced a single voicemail from the Luke Dix office asking me to call back to discuss with them. I called several times, mostly not getting an answer. Those times I did get an answer, they said they said that the person I needed to talk to was on the phone or in a meeting and she would call me back. She never did. So, I worked with my new office more to get the policy transferred. They said they'd handle it.
One month later, Luke Dix still had my policy. My new office was having problems getting it from them. It appeared to me that the Luke Dix office was holding my policies captive. After much prodding, my new office gave me a phone number that would let me go over my policy holder's head and remove the policy from them. The person I got a hold of gave me an email address where I simply had to send some of my policy information and make a formal request to change the policy holder. They said it would take 5-7 days. During these 5-7 days I suddenly got an email from the Luke Dix office asking why I wanted to change my policy to another office. That apparently got their attention. Happily, at the end of the 7th day, I was free. My policy has finally been transferred out of their hands. It has now been a little over 11 months. That's 9 months where the Luke Dix office couldn't handle a simple address change and almost 2 months to pry my policies from their grasp.
If you are considering Luke Dix, I would strongly recommend looking for other options. If they currently hold your policies, you might consider fleeing while you still can. read more
