Sonnet Auto Insurance Reviews

So we started with Sonnet back in 2022. We thought things were going well. In August 2023 we had a no-fault collision. It took over 2 weeks to submit our claim, and then we ended up having to tow the car to the shop ourselves. We had a rental car and the work took additional time, so we were left without a car. Then, our adjuster was let go, and so it took 4 months to get our $500 back. Now 1 year later and I receive an email stating that our policy was cancelled. After calling, I found out that they think one of our licenses expired. And the person on the phone said, “we should have sent you notification earlier”. Still haven’t heard back from the underwriting team, and now we have no insurance, and we are supposed to leave on a road trip…

Great example of "you get what you pay for". They have lower rates, but you pay for it in other ways if you have a claim. Having an adjuster that doesn't answer calls or emails made it impossible to get a rental car (even though it was included with the insurance) after being rear ended. Car is getting repaired, but having to miss several days of work and pay a deductible for a not-at-fault accident is ridiculous. Though friendly, the people who answer calls say they have no way of helping- it's up to the non-responsive adjuster to approve the rental car. Being left stranded without a vehicle for several days without an adjuster to help has made this experience much more stressful. Save yourself some money and go with a reputable company, even if it means paying a bit more in premiums. It will pay off in the end if you ever make a claim.

Sonnet accidentally made me 50% at fault for an accident and then it took them 5 months to change it to not at fault. They charged me a higher premium and wouldn’t refund me and then charged me 8% to cancel and never sent my remaining refund. Thieves!

We had a no-fault insurance claim go through sonnet. The other driver was visiting Canada, from the USA. Sonnet took 8 days to file a claim. They did the estimate using 15 comparable cars to get the evaluation. I asked them to use only 5 ( you can do that ), they told me that it would not be fair to the other insurance company to do it that way. That is not working in the best interest of your client who pays insurance to you when it's not your fault in the accident. Sonnet also told me that I would not get my deductible back because they were going to keep it because the USA does not recognize no-fault insurance. When I researched it, some US states do, and the one that hit me did recognize no-fault.
Sonnet would not help me at all, or work in my best interest. They maybe a cheap company but that is all they are good for. Build up your insurance with them first (pray you do not get in an accident ) then go find another insurance company that works for you.

I was impressed with the low monthly premiums. Well, now I know why. It covers nothing. Unfortunately, I was in a car accident. Not my fault all parties agree and the officer deemed it to be the other driver's fault and yet here I am a week later after a head-on collision without a rental vehicle and no tow for my car. Apparently, Sonnet is only now going to cover 46% of my rental car despite what my policy states. They also can't guarantee that my car will be fixed. So buyer beware.