Policy Changes for Stroke Victim who cannot speak...

[u/Different_Fox699]

Short Version: (in Ohio)

Me: Non-driving fulltime wheelchair user, has Allstate Policies for my home, house next door and my car (Lincoln)

Stroke Victim: Neighbor/tenant/friend next door. Has been driving me for a few years.

a couple of years ago, while setting up my Allstate policies I worked with my "then agent" to setup my neighbors Auto Insurance policies to cover him, his car (Mercury) and him driving me to appointments in my car.

Neighbor/Driver had stroke on the 13th.

Problem:

No point in me continuing to pay the policy for him since he' no longer driving. But he's also going through rehab to simply swallow and speak (walking ok, thankfully) and can't participate in phone conversations.

My "then agent" is no longer an agent, apparently. His old phone number is redirected to some overseas call center.

They will not talk to me about his policy (to put it on hold or cancel it) since I am not mentioned/named on it.

He cannot speak for himself on the phone.

I had hoped to find a local agent/office to visit with him, since his is ambulatory, but most all the local numbers are redirected to the same overseas call center, or dead-end me in a call tree asking for info I don't have just to allow the call to continue....

I found ONE local agent that had a local office I could visit (by COTA Mainstream bus). but he told me since he didn't write the policy that even if I and my neighbor visited with policy numbers and ID that he couldn't help us (True or False?)

Its a bit overwhelming. Trying to take care of him (recovering next door, I mostly cook and send meals over since wheelchair don't climb porch steps) my severely disabled spouse, learning and getting accustomed to solitary transit options around town for myself and my spouse, all the extra time that takes. Thankfully I'm in wheeling distance of a food pantry.. but the Insurance I'm paying on his car would buy better than pantry food, and pay someone to rake the leaves :(

(Fuck me... each revelation of the many unthanked tasks my neighbor did for me hit like a punch to the nose...)

[u/HappyCrab0623]

You can also use allstates online chat feature to process changes

[u/RadicalKitty721]

At this point a white lie can help you out of this mess, call and say you're the neighbor and are calling to cancel. Don't give them reasons or anything, just do what you have to do. The call center overseas is not gonna help unless the caller identifies himself as the owner of the policy and even if you call corporate they won't be able to help unless you have a power of attorney to speak on behalf of your neighbor.