Pembridge Insurance Auto Insurance Reviews

After being rear-ended by a car going 70Kph, the car that hit us did not have insurance or a driver's license.
So my insurance (Pembridge) was supposed to cover Any therapy & treatment needed after the accident.
The only treatment Pembridge covered was at CBI London Ontario. Don't go there...
We had to do physio over webcam since the pandemic.
Pembridge denied all treatment after webcam physio.
1. Ortho - I hit my face on the steering wheel
2. Chiro
3. Massage therapy
I advise you to call a lawyer because Pembridge definitely is breaking the law & not processing claims taking out on their customers.

My son was rear-ended last May. The accident was in no way his fault. He ended up with concussion and whiplash symptoms. Pembridge was rude and made him feel like he had done something wrong which he hadn't. Checks for income replacement benefits were almost always late. When we called to find out where the checks were, claims representatives quoted their minimum legal obligations and were not helpful in tracking down missing checks. The claims process and ongoing benefits were delivered in a way that caused more stress and made living difficult. I will never consider any insurance product from Pembridge or State Farm or Desjardins, their parent company due to their disrespectful way of interacting with people, their refusal to accommodate a disability (Cognitive issues caused by the accident), and their "we do the bare minimum" attitude when problems arise. Just disgusting treatment of people. There is no justification for this.

Pembridge Car Insurance has failed to defend my claim (as a client) against the other driver's insurance company. The Pembridge Adjuster did not present the facts and the full information before making a decision. The adjuster relies on only what the other insurance was saying and declared as a 50-50 at fault. Quick, Easy and Sloppy job. Not recommended at all!

Trust me, no-fault insurance in Ontario. The PEMBRIDGE insurance company will not stand on the client side. The adjuster goal is to use the least amount of money to settle the claim. I was involved in an accident. I am the listed drive in the policy but not the policyholder. I got rear-ended. At first, the insurance said because of lane change you caused the accident. You have to pay the deductible. (The repair is less than the deductible). Then I didn't agree on that since the accident happened after the lane change. It was a rear-ended accident. The insurance sends me to special investigation. After that, claim manager spoke to me and policyholder. Your car can be covered by the insurance company because of policyholder but we are going to sue the listed driver. They believe that is intentionally caused the accident. Therefore, the insurance company doesn't cover any of damages and loss. Based on what I see here, they are finding the different reason to charge you at fault so that they can pay out less. Also, they did not follow the Ontario Fault determination rule to determine the fault. We are going to Ombudsman to get help. Asking General Insurance Ontario (GIO) for help. I am very disappointed that after being a client with Pembridge insurance then the insurance is filing lawsuit to their client.

TRUE ACCIDENT FORGIVENESS rate went up 15.4% after a not at fault accident. Other car was issured by Allstate. Would not lell me why, but said was approved by FSCO. FSCO and others said they do not approve policy premiums of insurance companies.
Checked approved rating by FSCO for over all premium adjustment and my premium was a way out of line. Collision in 2016 was $198 then days later $179 then in less than a year in 2017 $403. Insurance bureau in an email stated my car collision rating had not changed from 2015 to 2017.
Called several times to the ombudsman and left a message no return call.
Was even asked to show my bank statement to show they took money from my bank and not my credit card. Left the company.

A car driver getting out of parking lot hit hard the back of my car. It was not my mistake but I was told that I have to pay 50% of repairs. The body shop sent Pembridge estimate for the repairs. After 2-3 days the body work was done I went to pick up the car and pay 50% of my part (about $687) but body shop will not release it as there was no approval from Pembridge for repairs they told me that they did not receive any estimate. It was Friday afternoon and I could not contact my claim advisor as he left early. After week end I again tried to contact my advisor but he was not there. I contacted a supervisor of Pembridge and got my car released as she promised to pay 50% of repairs without handling further..
To deal with this company is waste of time. Terrible service. Actually I will give 0% rating.

Experienced my first not at fault accident in over 10+ year of driving and thou Pembridge has been my insurance company for the last 5 or so years accident free , what a horrible experience it was with my claim.
Alex was my claim assistant and no matter how much I called and left messages and called and left message I would never get to speak with her. I got to my frustration point and went above her to her so call Supervisor or Manager Jose absolutely NO Better.
So my accident happen in December 2016 and thou I had to literally run after the person that hit me sending me into a park car, because she drove off, she allowed her son who was not at the accident to give the police report at the collision centre and give a totally different story (now I see how worthless people really are) which Pembridge easy gobbled up and told me the stories are conflicting so I now have to pay my $1000 deductible. Absolutely LUDACRIS! On top of that the accident accorded at the end of the second week in December I opted to choose my own repair shop to ensure the job was completed properly. They did not sent someone out to access my Vehicle until the second week of January 2017 and at which point they now wanted the bodywork shop to hurry the job, after my vehicle sat at the body shop for 3-4wk at Pembridge delay.
Making matters worse the adjuster calculated the repair time incorrect and Pembridge had to extend the rental vehicle I had and basically Jose the Supervisor said NO we’re not going to, it’s the fault of the body shop, keeping in mind Pembridge took 4wks to actually send out the adjuster, and I had to return the rental on a cold snowy evening even thou my vehicle was not ready. HORRIBLE, HORRIBLE, HORRIBLE.
If this is what I pay $187/mths for I don’t want their service. I will definitely be looking for new cover and would ABSOLUTELY NEVER refer Pembridge Insurance to anyone.
DISGUSTED SERVICE