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Review: Auto Owners Insurance |
Comments
These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments. |
"I have renter's insurance with Auto Owners. I have never filed a claim, but I have been pleased with their customer service up to this point in time."
2007-06-03 20:45:03 EST
"had small claim from lightning damage, $700. I had to do all the leg work.Had to call adjuster myself (thought that was my agents job), only got answering machine. From reading comments on many Ins. companys, it looks like they are ALL worthless. none of them know what customer service is. the american consumer is at their mercy."
2007-07-19 11:13:53 EST
"After being a customer for 20+ years (auto and homeowners), I have just received notification of non-renewal of homeowners policy in 6 mos. "in order to reduce exposure to hurricane claims" in Florida, where I live. A nasty way to reward old and faithful customers who had been pleased with the service."
2007-08-28 12:53:00 EST
"This company cannot be trusted, they stopped payment on a claims check and caused all kinds of havoc with my credit rating, bank, etc for doing so. This is the worst company I have ever dealt with. They do not know what they are doing."
2007-09-02 22:56:18 EST
"My elderly parents had a housefire and it took the claims adjuster a week to view the house; then we did not hear from her for over 2 weeks; we had 2 bids to repair the house, but now that it has been over a month since the fire, they are sending an appraiser to view the house and if it does not value for the amount that is needed to repair the house then they will not give us the amount covered in our policy; meanwhile, my parents are living in an RV by their house and we have no idea how long it will be or if we will be able to get back into the house. If you have home insurance it would be worth it to get replacement cost if you can. I would not recommend Auto-Owner's insurance to anyone."
2007-09-25 08:33:37 EST
"I had a house fire and had 2 bids showing total damages of over my policy limit. The ins adjuster brought in "her" guy to do appraisal and he low balled the bid by $30,000. She told her company and my ins agents that the contractors that I had chosen wouldn't cooperate with her. I called one of the contractors to see why and they told me that she had never contacted them. Also, she tried to get my boyfriend to sign papers stating that we were married so his stuff would be covered, if he had done so my policy would have been nullified. I called her supervisor to complain and they didn't do anything about it. All in all, it was one of the worst experiences I've ever had and I will forever bad mouth this company to whomever I come in contact with! "
2007-09-26 17:04:05 EST
"Replacement value insurance is hard work. Fire destroyed hundreds of items. I have had to do all of the work it seems. Inventory, list, price, date, send. Wait several weeks for any $, then it was sent to wrong address (old)in the mean time of waiting for any $, my finances starting going down the tubes and I have spent way to many hours on "proving" loss. Then the ins co only pays portion of cost and then I have to buy everything in order to have a "receipt" to get the full replacement. My credit cards are all maxed out (which then creates monthly charges and possible overlimit & late fees for added expenses to my budget).
Everything that was my "life" was bought for my use and never was intended to be sold, only used until it was worn out. Some things had very little wear (like pageant gowns) and they were intended & carefully bought with the intention they would last many, many years, but when you add the year bought, it becomes worthless. I have no need to replace a rhinestone gown, but it is a loss because of the investment for a possible future use.
All photos & films made while in school (which cost less to purchase only because the school was able to provide students with discount...since no longer in school, product quality & price can not be recovered)were destroyed & were the very essence of why film school was attended....to build a portfolio. The student loan was for thousands of $, marketing tools of trade lost and ins co only wants to pay for the lost DVD (like $20).
I NEVER want to go through this again. I'm considering only having very basic insurance and taking the loss if this ever happens again. It has taken 2 years of my life, and physical & financial tolls personally. I think I would have been better off to have just invested the $25K a year the insurance cost.(Umbrella insurance for business & farm)
I guess I was very mistaken to assume that replacement value meant that I "proved" what I lost (etc) and they would pay me for the actual claim. Sending a check and allowing me to replace over time & need. But no....."
2007-11-12 03:39:17 EST
"My wife totaled her car and they gave us more money than I expected."
2008-01-18 15:14:07 EST
"Fire destroyed our home in June 2007. Although we had paid an additional premium for guaranteed home replacement coverage, Auto-Owners claims reps initially insisted we didn't have the coverage. Now they are refusing to accept their own contractor's estimate of what it would cost to replace our home, lied about never receiving our independent contractor's comparable estimate with our sworn proof of loss, and tricked us into getting a third general estimate (they insisted it didn't need to be prepared with Xactimate as that was too detailed, even though their own contractor used it) so they could try to discredit us and the builder that originally built the home. It is now 7 months since the fire rendered us homeless, and we are no closer to a settlement than we were when the fire trucks pulled out of our driveway. The unfair handling of our claim is criminal. Auto-Owners Insurance Company is despicable. "
2008-01-17 00:31:30 EST
"they won't return calls or fax. they told me the docter never called them or sent a fax. when the doc. is my boss's wife they called and left 3 messages and sent 4 fax. they just dont care"
2008-02-27 20:44:50 EST
"BEST ADVICE; DON'T PURCHASE THIS INSURANCE - IT IS THE WORSE."
2008-02-28 19:44:12 EST
"House was destroyed by fire..insurance co.(autoowners) is a joke all the bad things you read here are true!!! I just hired a Independant public adjuster and a lawyer..House fire, I would recomend doing this or you will be scammed! The public adjuster will work for you and your best interest. Shame most people don't know about doing this, because most are losing what is rightfully theirs!"
2008-02-29 10:45:33 EST
"Hire a Public Property Adjuster!!!!! They take a small percentage of what you wouldn't get without using one! They tell you what your insurance company won't after a loss and do all the leg work. They look after YOUR bottom line just as the insurance company is theirs! DON'T use AUTO OWNERS, wouldn't recommend that company to anyone!!!!!!!!!!!!!!! We filed a claim for our home and found out the hard way!"
2008-03-01 11:27:01 EST
"It's easy to write bad comments about any insurance company. Auto-Owners does things the correct way and customer service is top-notch. Look at the rankings of Auto-Owners Insurance. They are in the top 4% of every worth-while insurance statistic. An AM BEST A++ rating (that is the best you can get!). Everyone who writed on here needs to look at their homework, not just write stuff b/c they thought they deserved the world after a loss."
2008-03-13 23:35:14 EST
"Insured with this company for nearly 15 years and never had a claim. They mailed me a Dear John letter in 2007.(my neighbor who is also insured with them - filed a claim after Wilma -- they renewed his policy)!! Now doesn't that takes the cake!"
2008-03-26 11:26:38 EST
"DO NOT, DO NOT PURCHASE A HOMEOWNERS POLICY WITH AUTO-OWNERS INSURANCE. THEIR "NO PROBLEM" CLAIMS IS TOTALLY FRAUDULANT. WE HAVE HAD NOTHING BUT SARCASM, DISRESPECT,
THREATS FROM THEIR REPRESENTATIVES REGARDS A ROOF REPLACEMENT FOLLOWING A SEVERE HAIL STORM. THIS HAS BEEN ON-GOING FOR THREE MONTHS. THE STRESS THEY HAVE PLACED ON US, SENIOR CITIZENS, IS TOTALLY OUT OF HAND AND THEY SHOULD BE FORCED OUT OF BUSINESS."
2008-03-29 10:24:21 EST
"Their web site says "No problem" claims; "No problem" people. That is entirely false - they are very difficult to deal with, very sarcastic, disrespectful, threatening, and it is embarrassing that we have them as our homeowners insurance carrier. PLEASE DO NOT
BUY A POLICY FROM AUTO-OWNERS INSURANCE."
2008-04-04 19:36:44 EST
"Our son was killed as a passenger in an Auto-Owners insured vehicle. The claims adjuster made all kinds of promises about paying our son's medical, ambulance and funeral expenses. After 3 long years they still have not made good on any of his bills. They even said " Your son isn't worth that much, he was only a college student and didn't have a spouse or dependents." They also tried to get rid of the totaled vehicle before our experts could look at the black box or seat belts. Then they hire the most disrespectable lawyer to defend their case. This lawyer made accusations that could not be backed up about our son being drunk and not able to secure the seatbelt securely. The other kids' medical and ambulance bills were all paid. Auto-Owners even totaled the vehicle and paid the kid for his truck within 2 weeks. I hope and pray no other family has to go through the disrespect,pain and suffering that we have had to endure with this less than honest insurance company. "
2008-04-14 15:47:22 EST
"They accepted my premiums and said there is "no problem" claims. When it was time to pay a claim, they said the damage to my roof could be repaired with "duct tape". They should be profitable - they don't pay claims.
It should be called the "duct tape" insurance company"
2008-04-23 19:54:00 EST
"They are very expensive, but the only claim we had was settled fairly."
2008-06-05 00:08:23 EST
"Quick, fast, and responsive when filing a claim. They truly live up to their word of being the "No Problem" people."
2008-06-05 20:50:54 EST
"Extremely sound. Great company with an outstanding reputation in the industry. I have had insurance with Auto-Owners for 40 years and would recommend them to anyone."
2008-06-16 08:23:50 EST
"best company i have had!"
2008-07-16 16:47:44 EST
"Our policy clearly stated that we were covered for a particular loss that we encountered. Auto Owners told us we were covered, and gave us the amount of the claim and how much the claim checks would be, then they stopped communicating with us altogether. For over a month they would not return any telephone calls, emails, or letters. Once we were finally able to speak to someone, they told us that we were not covered. They blatantly lied in the claim information by changing the cause of the claim from what it actually was, to a cause not covered in the policy. No one will even speak with us regarding this from the company, so we have been forced to contact an attorney and the Insurance Commission and hand over the situation to them. The Insurance Commission has reviewed our claim and policy and is adamant that we will be covered. According to them and our attorney, we may even be entitled to punitive damages now. Once we have received our claim we will most definitely be cancelling our policy and looking for another company. The Insurance Commission for our state advised us that they have had several complaints for Auto Owners and that a federal investigation has been initiated into their insurance practices."
2008-07-24 12:14:56 EST
"They dropped me, even though I never had any claims and been a customer for 15 years. My neighbor they renewed his policy even after he had hurricane dammage (05) -- big tree uprooted in his yard and he needed a total roof replacement. His deductable is $500.00 (even for hurricane). Mine they changed to a 2 % deductable for a few years, then I got a letter of non renewal. Neighbors house and mine are the same age and about the same square footage. He still has his $500.00 dectable. This company is very unfair!! "
2008-08-27 18:31:10 EST
"They do not know how to handle clamins, emergencies, or customers...so why are they even in business? This company is one of the worst I have ever worked with. It took 6 phone calls and 2 weeks to get an adjustor (major damage to home) another 4 phone calls and 10 days for claim to be turned in. Another 10 days and 3 phone calls and still not check...but they did tell me the $ abount they are sending and even with my deductible it is more than $1000 less than the lowest bid that I went out and had to obtain. They don't seem to care..."
2008-10-07 15:11:31 EST
"Best insurance company to be with - for personal or commercial insurance! They handle their claims effeciently and effectively... trust me, I know! My car was hit in a bizarre instance by a tractor trailer tire on my way to work. The impact was so hard that it totalled my vehicle. I wasn't able to drive the car from the first day of the wreck - Auto Owners had me a rental car at my job by the end of the day. Within a week they had the car appraised and had me a check for the totalled amount. Great, easy service! I have been with them for over 4 years now and DO NOT intend to move my insurance unless absolutely necessary! GREAT COMPANY!!!"
2008-10-23 15:20:32 EST
"Good company and handled my claim quick and fair."
2008-10-23 17:22:43 EST
"very fine company and real quick on claims"
2008-11-01 20:21:44 EST
"suffered hail damage from tornado that came thru this area last year. had estimate for new roof. adjuster claimed no hail damage, except to my carport. have paid premiums to this company for eleven years had two estimate from roof companies stated that i have hail damage to my roof. what am i to do?? you can't fight city hall. my only recourse is to cancel my insurance with this company."
2008-11-17 15:41:53 EST
"Everyone that I have talked to said Auto Owners really takes care of its customers. "
2008-11-29 20:21:27 EST
"
BEWARE of a low quote on an a policy subject to audit. I specified the exact exposure to the company prior to my contractor's liability policy being issued. The audit yielded an additional premium of $350.00 for payroll which the company knew at the time the policy was issued did NOT apply. This was NOT due to a subcontractor workers compensation audit or other errors on my part. The company stated it was an additional earned premium after the audit. The company knew at the time the policy was issued that this additional premium would apply but did not mention it to me, presumably to make their rate quote more attractive. This is a practice I find NOT acceptable and have never encountered misrepresentation of this type by an insurance company in over 30 as a general contractor.
I regret doing business with this company.
"
2008-12-02 11:19:26 EST
"ISURANCE ADJUSTER WHATS TO PICK UP CAR BEFORE I GET A CHECK VERY UNFRIENDLY HAD TO CALL MY AGENT"
2008-12-19 16:15:06 EST
"AUTO OWNERS entices with low cost initial business policys, only to raise at policy renewal as well as back charge at audit. Even with upfront facts, they calculate low initially to seal the deal, only to slam you at policy end. VERY UNHAPPY!!!"
2009-01-07 10:22:01 EST
"Best prices and fair quotes with independent agents very knowledgeable."
2008-12-29 22:24:59 EST
"DO NOT use auto owners. My buisness was broken into and they flat out refused to pay even though we had a policy with them for 3+ years. BAD COMPANY STAY AWAY!"
2009-01-13 12:39:46 EST
"I would definately recommend Auto Owners to anyone. They have the best claim service that treats you fairly. "
2009-01-29 22:31:16 EST
"they start their bill with a cancellation
notice and there are numerous payment and cancellation dates on the bill, when you try to contact them the only phone number on the bill is of the agent who then tells you to go to their website for the number, after twenty minutes of research at their site you will find the phone number listed on some remote page let alone to get into your account you need a secret code..I can only imagine what happens if I file a claim...I just wanted to pay the bill!!"
2009-03-02 19:13:02 EST
"Held commercial contractor's insurance with this carrier for several years. At annual audit time, Auto Owners always bills us additional premium due, even though all the rating factors were known by them prior to the policies' inception date. The results of this year's audit has made the decision for us--our company will not be renewing coverage with this insurance carrier. Less than two months into the audited policy period, our company's principal died of causes unrelated to his company's activities. On the just-received audit results, Auto Owners is charging a full year's premium for this deceased business owner, even though he only lived and ran his company slightly less than 1/6th of the policy period year. Auto Owners is unwilling to prorate for the actual time this business owner was alive and running his business. "
2009-03-04 00:50:03 EST
" My home is insured at Replacement Cost New according to my agent. When I had a claim I was paid the full cost to repair. My agent stated that some people think they are saving money by insuring their home at a low value. My agent said insuring to a low value hurts the customer at loss time."
2009-03-13 15:07:29 EST
"people bend over backwards to be sure you are satisfied."
2009-04-05 15:56:34 EST
"An uninsured motorist on drugs hit my car. She was charged with five counts. Auto Owner's authorized repair of my car with six hours. No ifs, ands or buts...that's good service!"
2009-04-19 20:05:05 EST
"have owned 11 homes over a period of 40 years. have a top of the line policy not only for home but autos, boat, umbrella, riders. turned in FIRST CLAIM EVER on home had one auto claim back in 1964 for a BUMBER on a car I dinged on the x-way. NOTHING else no tickets wife or myself. excellent credit. so turn in a claim for a leak caused by an ice dam. denied. I know some of you who read this are going to say ok whats the rest of the story. there is nothing else except I am now out shopping. "
2009-04-29 12:41:03 EST
"They look for any excuse not to pay. Had flood insurance that ended in a low estimate by auto owners, I have not settled."
2009-06-07 10:38:03 EST
"auto-owners do not honor their policies"
2009-06-12 21:51:41 EST
"this companies shaves claims"
2009-06-23 17:39:36 EST
"The young adjusters seem to be self serving and motivated to that end. They will obviously go to great lenghts in avoiding paying claims through manipulation by unjustifiable reasoning. When the economy is bad and their stock portfolio is not makeing a lot of money it gets worse and they will not allow claims. They need to be policed outside of their circle. "
2009-08-05 21:52:50 EST
"Had a total loss due to fire, during a flood. The whole area was patroled by sheriffs and national guards. They screamed arson witha 5 foot dike around the house and no one was permited to come and go. Still trying to make some kind of settlement 7 months later."
2009-08-06 20:15:45 EST
"They make it very difficult to file home owners claim. I just had a little claim and they piled on the paper work so I would just not bother. The claims agent would not answer calls or view the damage."
2009-09-14 07:15:37 EST
"Great company. Great customer services. Reasonable prices"
2009-09-28 13:36:47 EST
"Raised our deductible 500%"
2009-10-08 11:53:07 EST
"very poor customer service"
2009-10-15 17:31:48 EST
"They would not return phone calls, sent me a certified letter instead of calling me, and then said I refused to meet them. Now why would I not want a claim handled...Then to top that off they called me the liar!"
2009-10-31 08:31:03 EST
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