Economical Insurance Auto Insurance Reviews

In December 2018, I had a trip to Montreal with my friends. On the way back, an 82-year old man changed his lane without checking the blind point and hit my car. We reported this case to the Montreal Police. And contacted Economical Insurance. This company tried everything not to solve this problem, and simply pay money to the old man, put all the responsibility on me. Due to this case, I repaired my car by myself and my insurance rate went high. February 2019, I cancelled the policy with them. Now is May 2019, they had $390 payment on my credit card. I was so shocked, if I didn't check my credit card transactions, I won't find out it. I tried to contact them, the thing is that they won't take your call forever. Friends, simply suggestion, just don't be a customer of them. They are a horrible company!

Their collision centre and insurance are in bed together. We were sent to Car Star. They estimated repairs of $9,445.00 plus. Took it to Campbell's Auto Collision Centre who said there were things that reported by Car Star...nothing wrong. Got a quote for $6200. approx. Called Doug Ford's office to change insurance laws. Under your new policy, they have it seems all the rights. They bend the rules to suit themselves. They have the right to write off your car even though it's not a write-off. The write off adjuster is rude and very demanding. Spoke to many professionals and car owners who know of companies "scams". Not all companies and collision centres are the same. You can take it to your own centre for an estimate. There are good insurance companies and collision centres and there are bad ones. These companies give honest companies a bad name.

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 have been waiting almost a year for my truck to be returned to me in pre-accident condition. Economical's preferred shop returned my truck to me with a repair that was incomplete and then proceeded to argue with me when I voiced my concerns. After months of repeatedly ignored emails from me, they finally agreed to have a reputable repair shop inspect my truck. Now that their appraiser has seen it for the 3rd time, and been made aware of discrepancies in the original repair, Economical has not responded in writing as required.

The accident was almost a year ago. Their Ombudsperson has not assisted. Their claims manager has regularly ignored written requests from myself and my broker, the president has not responded at all.
Both FSCO and GIO have been aware of this claim since last year and have advised me of my rights, which I have reminded Economical of several times.
Economical has taken what should have been a straight forward, simple claim and turned it into an added source of stress and trauma.

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!”

My car was parked and driver went to get a parking permit while the SUV in front backed into me. It was an obvious who's at fault, no one's even at the driver seat. Reported the accident on weekend and finally got a call back asking for details on Monday. They asked me to bring the car to one of their preferred shop to have it assessed. Took the car in on Thursday, the accident details haven't even been uploaded. I tried to explain what happened. The guy took some pictures, didn't even pop the hood and that's it. Later on, I brought into dealership and other shop for a second look. Because the car hit me was a SUV, the mounting for the light cracked inside. I called Economical about it, they didn't even listen to me and cut me off. Immediately the next day, i decided to fix the car elsewhere. Called the assessment centre and requested an assessment report. The insurance company said it should be uploaded after 48 hours. I dropped off my car and got a rental. After 4 days, the shop called me and told me that they have not yet receive anything. I called in again to find out what happened. For the very first time, that is two full weeks after the accident occured, my adjuster called me. She asked me if I have brought my car in for assessment, which I have already done more than a week ago. I have called in 4 times trying to speak to her but she doesn't have a voicemail for me to leave a message so I was served with other representatives. I'm back to start. Seems like all the calls I've made with other representatives were just useless. She's the decision maker. No notes have been put on and no action was taken to contact the other party. The rental was from my deductible because they need to assess who's at fault. I ended up have to pay for the rental and get my car back from my shop which no work has been performed.