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Erie also grabs the top spot in a national survey of customers' car insurance shopping experiences, with its local agents receiving above average marks. In one owner survey, it gets very good ratings for claims processing, price and service satisfaction although some say it is pricier than other options. Erie offers some other impressive benefits that most other insurers charge extra for, such as transportation expenses after an accident, travel costs, personal property and locksmith services. In addition, Erie waives your deductible if you are in an accident with another Erie policy holder. However, the big drawback to Erie Insurance is that it only offers coverage in 11 states, mostly the mid Atlantic and Midwest. Some of the highest rated car insurance companies also tend to be pricier than others.
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Robo advisors have the potential to lower the cost and increase the quality and transparency of financial advice for consumers. But they also pose significant new challenges for regulators who are accustomed to assessing human intermediaries. A well designed robo advisor will be honest and competent, and it will recommend only suitable products. Because humans design and implement robo advisors, however, honesty, competence, and suitability cannot simply be assumed. Moreover, robo advisors pose new scale risks that are different . Automated financial product advisors – “robo advisors” – are emerging across the financial services industry, helping consumers choose investments, banking products, and insurance policies.