Federated Insurance Auto Insurance Reviews

I have dealt with couple of insurance before, Statefarm, Cumis, TD, RBC and now Federated. I have to say this company is by far the WORST I have ever dealt with, why? Let me explain,

From the moment I ask for insurance quote and filed my personal information to them, it took them more than 1 month to get back to me with a quote. Every time when I ask them for an update through email ( I work nightshifts so I sleep during the day, so contacting through email is the best for me) they NEVER responded to any of my emails. I have to sacrifice my limited sleep in order to get hold of them.

In January 2014 I got into an unfortunate accident, when I call them during the incident (approx 1am) and ask them to go over my policies once more (so I know if I need to pay for tow) they told me to pay first because they do not have the "authority" at night to review my profile. What does that even mean? When I need them the most, they're NOT there for me.

Finally, I got my car back after nearly 2 months (their adjuster had to review my damage twice because he "missed" something, twice...), but they still owe me a cheque because of a car part I ordered myself in order to get my car back as soon as possible (otherwise it would take longer than 2 months); which they promised me it would be reimbursed. After 1 whole month of waiting (they said it would only take 3-5 business days initially) I was so fed up I emailed them again, and again, and again. Yet, no response AT ALL. So I have to call them again, my claim adjuster said "Sorry, I will file your cheque...now". So I waited 1 whole month for absolutely nothing. That was 3 weeks ago, today is April 14th and I still haven't received my cheque in the mail. This company lacks initiative, lacks customer service and they never respond to their emails. All they were taught is, "i'm sorry" but I know they don't mean it at all. Since nothing ever gets done.

Please, I don't want anyone going through the same trouble as me, I hope no one ever have to deal with this company ever. Absolutely, the worst experience ever. I wish I can cancel my contract with them right away and not having to wait another 6 months