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Eric Lusby is a fraudulent businessman
Eric Lusby review
First of all, let me say that if I could give Eric Lusby 0 or -0 stars, that's what I would've rated him & his business practices.
I know this is lengthy, but please continue reading-it could save you a lot of money & stress in the end.
If I can help even one person out there looking for an agent to not get completely swindled, that's why I am writing this review. I have known Eric half my life, my family had insurance with him a long time. I started my own policies with him as soon as I was old enough. So here we are, all this time later and I have severed ties with his office & now preparing to leave State Farm. Now, we all know that insurance is a scam. We pay out tons of money every month most of us will never even benefit from. So it already hurts a little but then to have your agent scam you as well...that's a real fun thing to deal with. Eric is unethical, dishonest and greedy. He is a liar & a scam artist & will literally lie through his teeth to get what is best for him. He will tell you that he only has your best interest at heart as the valued costumer but when he makes a mistake on your policy (admits it to you but won't when being investigated), then takes no responsibility for his actions & tells you that's the way it goes sometimes, that sucks. We bought a policy through him, an HO6 for a townhouse/condo. Over the phone, we briefly went over coverage with his staff. Then, less then a year later-we get hammered with a hailstorm! We call in, the girls in his office tell us that they don't cover that damage first of all and then eventually tell us that we're only covered for $1,000 of it and there is no other options. We find out that they underinsured us and didn't even know the policy well enough to offer us sufficient coverage. I talked to Eric & he personally told me that HE did the same thing to a lady in highlands ranch, co and that she's having to pay out $10,000 and she's only covered for $1,000 like we are, so we should be happy. And then laughed it off, He said "that was my bad, that was my bad, l'll admit that, but there's nothing that can be done. You just have to deal with it." If the lady from highlands ranch or someone who knows her is reading this, please tell her to go after Eric for errors & omissions. He should have to pay out for his mistake. Unfortunately, State Farm doesn't mind dishonest, lying snakes representing them, so they backed him up in my case, but if someone else comes forward, they might listen! I spent months & countless hours talking to different depts at State Farm, even corporate, just to be treated with such disregard and disrespect to not even be called when they were doing their final "investigation." Well of course they're not going to backdate & pay out what they should, that affects their pocketbooks as well. But to have an agent who is so immoral & unethical representing them & then to stand behind his fraudulent actions, it's disgusting! Eric Lusby will blame you for being underinsured, as he did me. As he told me-"it's your responsibility as the customer to know your insurance policy." Whereas that may be true, I didn't go to school to be educated on insurance like you did Eric & I don't get paid to know about insurance, You do. So do it right and don't blame the consumer who pays you good money to know your crap! Unfortunately, this is not the only time Eric has screwed up on our policies. That one costs us thousands which thankfully he had to reimburse because he got caught! His office gave us wrong information (gee, does that sound familiar?) & only because his staff member had documented it, did he have to pay it back to us. Otherwise he said he wouldn't have. So that's Eric Lusby summed up, everyone. Greedy, lying, dishonest, immoral, unethical & last but not least, doesn't do the right thing even when he knows he messed up! Eric only does what's best for Eric! You don't want to have coverage with him, because when your day comes (and it will) for him to have your back, he won't be there. In fact, he will be the guy lying and taking all your money and denying he even knows you. How sad!