Economical Insurance Auto Insurance Reviews

Had a single-car accident in a different city, two days after the accident Economical took out payment. Three days later pulled my rental. Then questioned my address showed much proof one week later no car rental, no decision. I had to take a bus to the home city. Economical wanted receipt for a bus not to reimburse but to prove I went to home city. Still no help.

Nobody likes insurance companies, but Economical is in a class of their own. We had a single-car accident that they refused to pay out or even cover car rental ($45,000 car value). You have to book a phone call a few days in advance via email. When you finally get to speak to a representative, they are evasive, manipulative and dishonest. They had us running around picking up the police report for them and filling out excessive and redundant paperwork, anything to discourage the claim from moving forward. They even threatened that our claim would "go on the back burner" if we didn't comply with their demands quickly enough. They raised our rates by $1000 per year and messed up the details on the paperwork for our policy. Economical is a predatory insurance company that illustrates why car insurance should be a publicly held institution. You pay in, but you cannot collect.

I was rear-ended by one of their policyholders from Canada while they were visiting the US. Ever since then every day has been an absolute nightmare. This insurance group is awful. 72 hours over the phone in a week mostly on hold or in transferred calls and I still have no more information or assistance than I did the day of the accident. They haven't even sent anyone out to look at the car. They refused to offer rental assistance and could care any less about the loss of use or injuries.

This is the worst insurance company ever! I have been tossed around like a coin for about 2 months. Now this company will do anything, say anything and tell lies just to avoid a claim! The customer service is a nightmare. The adjusters are very rude and always not available to return calls or on holidays, what a mess! This company should be closed cause they are thieves and a rip off! Worst of all, no car rental was given to me I had to spend my own money on getting a cheap car for me and my family. I will be taking legal actions since they have money to pay for lawyers than settle claims!

Wrote my truck off, gave me maybe %80 of the value and refused to even consider my concerns, resulted in me needing to finance a vehicle that didn't suit my needs at all (going from a 7000lb towing capacity to 1500lbs) They use an appraising system that assumes selling prices off of AutoTrader from within 100's of km from your area. Trucks in the rural area I live, in the condition mine, was in are not cheap and hard to come by, I am not driving 300kms to look at a truck that might be as nice with 280K on it when mine had 160K on it. They write things off and send them to auction with minimal damage as they know they'll recoup more of their loss at auction and they won't let you buy your vehicle back once they've decided this(which seems illegal to me, I intend on contacting FSCO about this) The ONLY thing they were efficient with, was setting up a rental car, that was quick and easy. They are not a good company, rates are good currently, but if I had to choose, they would be on the bottom of my list, pay a little more, go to Aviva, Intact, ANY Mutual, even CAA. Economical is right in the same category as TD, Desjardins, Sonnet, Bel-Air, yes they're cheap, but trust me, you're paying for it, one way or another.

As far as I am concerned, this company is an absolute scam. My car has been hit almost a month ago at no fault of my own and we have gotten absolutely nowhere. They don’t even have the common decency to answer my calls, emails or even letters. They wrote my $12,000 car off as a “total loss” due to $1,500 worth of damage and have offered me less than half for my car. I have gotten the car appraised by another appraiser as well as multiple quotes from autobody shops and they all have said that the damages do not exceed $1,500 and that in no way is it a write-off. However, their appraiser claims the damages are higher than $5,800. In the beginning, they assured me a rental until my car was fixed (which was originally supposed to be middle of the month) but once they wrote it off two weeks before my rental was due to go back, they insisted that I had one day to return my rental. Despite all of that they even tried to tow my car off of the autobody lot before they even told me that it was wrote off. I so frustrated with this company and have no hope that this whole process will be settled soon based on their behaviour. This company does not care about their client's wellbeing. Insurance is supposed to be there as a “just in case” to assure the client's protection in situations such as accidents. I can’t even fathom the way I have been treated throughout this whole process, especially from the representative in the total loss department.

I was shorted rental vehicle time that I had plenty of in my policy and as a result, ended up having to pay the remainder rental cost. Almost 2 weeks out of pocket. I'm so bothered!! Then I was forced to wait for my cheque because of a mix-up between the body shop and the adjuster leaving me to take on a loan when the cheque amount would have covered the down payment on my new vehicle. The first months payment of my new vehicle could have been paid with the money I will now need to pay for the rental. So please understand my frustration!

The worst insurance company I've ever dealt with in my life. I had an ongoing theft claim with them where my vehicle was stolen and damaged. They decided to put more in the car than the value of the vehicle. On top of all the troubles of having a vehicle stolen, they left me for no vehicle after the 3-week rental term was up and the claims been going on for 3 months and more than half the time claim adjustor has been “out of town”.

I had a claim and it was total disaster, the certified shop they recommend had the worst customer service, not to mention that first week they could not locate my car, next week the tires on my car where stolen, took them almost 4 weeks to appraise the car, when at simple look everyone knew it was a total. The Economical never contacted me about this issue nor call or email to get updates in the repair, the only email I received was threatening me about the rental car (expires next week). The settlement was a ripoff. Do not take this crappy insurance, I would take the hit if the price was lower than others in the market, but it was the same as many others that offer the same service. In the end, any insurance is just a ripoff. They are in business to make money not to serve. BIGGEST THIEVES BESIDE BANKS OF COURSE.

Please think it over, and choose a different provider, this is a great product until you need it. They really tried to screw us but I think we avoided the worst of it by continuing to push back. It does take its toll on you. This is an abbreviation of events we experienced, sorry for the long story, We’ve been with this company for two years with home and auto. The price was better than anybody as a result of an employee discount provided to the Airline that I work for. My wife was hit by a car while crossing an intersection. She was not at fault. Her car was drivable if you crawled in from the passenger side of the vehicle. Not knowing what to do with the damaged car she returned home after the police report was completed and called the insurance to begin the claim process. A message was left, and a day and a half later no reply so we called our broker and shortly after a claims advisor returned the call. We have vehicle loss of use insurance but were told a rental would be given until our car was under repair. I was told to go get some estimates. Got 4 then was told the estimates were no good because the shops charge more than $77 an hr. Still no rental car, and I feel like we’re being run around. After a lengthy argument about the purpose of loss of use coverage and insurance itself, they agreed to provide a rental car...almost a week after the accident. In exchange, we must leave the car at a repair facility. A repair shop was chosen and the car was left there in order to get the rental. Then, Economical didn’t like the estimated cost of repair and sent there own field adjuster to write up an estimate. This took a week and a half and there was a difference in costs due to the shop rate and what comical will pay. Economical wanted us to pay $3200.00 to cover the difference in charges. Unbelievable! So, remember that we did get a rental, they place a time limit on it, and we are now into the 3 weeks of 4 weeks allowed. The car hasn’t even begun to get fixed. As a last resort, I asked for the claims advisor for the at-fault party (another Insurance) and picked up the phone, explained the problem to her, I said there is a shortcoming of about $3200 from what economical will pay due to labour charges. She put me on hold and came back and said: “we’ll cover that go ahead with the repair”. That easy! The car begins to be repaired, parts ordered, etc. Now over a month since the accident. Rental car company calls and says, they need the payment for the rental car or return it, Economical only pays $ 900 worth of the rental. Again I call another insurance company advisor and ask to have that covered by them... No problem! Why is it I’m the one that had to do all these steps. I don’t do insurance for a living, that's why I bought insurance! You’d think that that economical would take care of the details like these. Nope! I did call them multiple times and never, never reached a live agent on the first try, always leave a message and we’ll call you back! Almost 2 months since the accident the car is fixed and we are back to driving our car. I now have an uneasy feeling about our current situation because we are still covered by this company and can’t switch companies until it expires without incurring a large penalty for cancelling in the middle of the policy year. Bottom line “You get what you pay for!”