Economical Insurance Auto Insurance Reviews

9 weeks to process claim, 1 week since completed claim documents and still have not received any money

I had an accident in New York State on March 23, 2022, at 8 pm. I called Economical at 6 am on March 24 to report it. A nice Afterhours agent took the information and gave me a temp claim number. Told me to wait on the claim adjuster’s phone call and not leave Buffalo, NY to go back home to Canada.
I called Economical at about 1:30 pm on March 24 as I had not received a call from an adjuster. I ended up giving much of the same accident information a second time but the call ended up with “I’m sorry but I (the agent on the phone) can not get you a rental vehicle because the system won’t allow it.” Again, I was instructed to wait till an adjuster called. I was given a claim number this time.
We had a person drive us to the entrance of the Rainbow Bridge in Niagara Falls, NY. We walked across to Canada and then arranged an Uber ride home to Hamilton, Ontario.
Our insurance broker called on March 25 to see how it was going and instructed me to get my own rental vehicle which I did and keep all receipts.
Saturday, March 26. Still have not received a phone call from an adjuster.
So basically, don't believe promises of 24/7 emergency assistance from Economical Insurance: it doesn’t exist!!!

Worst experience ever. My car was stolen and recovered 3 days later. After multiple attempts ( voicemails and emails), 5 days later is when the adjuster got back to me. After that, it took another 3 days to respond to my questions about missing items from the car. A month later I was finally told my car was a write-off and was made an offer. That was almost 2 weeks ago am still waiting for my check. The adjuster won't answer my calls or respond to my emails.

I am currently sitting on day 31 since my car was stolen on Boxing Day and have yet to receive a settlement. My experience with Sonnet and Economical has been the absolute worst customer experience of my life. Throughout this whole horrible process I have called, messaged, chatted and emailed Sonnet and Economical customer representatives and my adjuster countless times and all I get is no response, empty promises of call-backs and supposed escalation that goes nowhere. When I finally spoke with my adjuster after countless complaints and resorting to Twitter, she told me the claim would be wrapped up by the end of the week but that was 10 days ago. I've been calling and emailing her directly for the past 10 days but she will not return calls or emails. If you're needing insurance don't run to the quick online deal through Sonnet. Support your local brick and mortar companies that actually have people you can go in and see who will answer your calls when you call and who will actually be the insurance you need for your car and sanity.

The worst insurance company that I’ve ever worked with. They are just raising prices and don’t care about customers. I’m waiting for a response on my claim already 3 months. I provided all the information that’s been asked. I found it myself even though it was in their system. I visited the police department 3 times to get it, and nothing happened. It is terrible. Would never recommend this company.

Hail damage 7/2, claim with Sonnet. Few calls later: body shop appt on 08/09 (ugh 5 weeks). 8/5, $1100+ into a new ECM and battery. Sept: weekly emails/ calls to "adjuster" go ignored. Send email to all stating FIFTH REQUEST as subject; windshield damage expanded, not safe, tires required for winter if keeping. "Adjuster" emails saying not her file, contact ** (no contact info). More emails. 10/05 told no damage report yet; call body shop. Days later, adj says "total loss". Ask about retention as cosmetic. A week later sent what they call comparable sales 100s of km away (higher mileage, months ago, the market is tight used now). Send 4 current, local ads; told their valuation is "independent"/non-negotiable. More emails; finally get a settlement offer letter on October 13. Sent registration & signed document back same day. Not in agreement; accepted to move on. October 26; email sent asking if they need anything else from me. Waiting

Chose Economical Insurance as their rates were the cheapest but it is a valuable lesson to do your research beforehand.

Submitted an auto claim on a Sunday evening spending 45 minutes giving all the details to the after-hours claims agent who promised to have the adjustor contact me back in 2 business days. After 4 days I contacted them back to check on the status of the claim only to be told that they do not have any information and that because they were very busy these past few weeks that their after-hours team have yet to file it in!

At this point, as a customer, you are not sure what to focus more on, the incompetence to properly take down information or the shambolic management!

It started back at the very beginning of July. My vehicle was stolen from my driveway on the night of July 1st. I immediately reported it stolen to the police and called my insurance company. They informed me that if the vehicle hadn't been recovered in 2 weeks that the issue would be settled and the vehicle would be paid out after an investigation was complete. They assured me it would all be completed in a timely manner. A few days after that, I made my official statement to an employee of Sonnet Insurance Company. Two weeks rolled on by without hearing once from my assigned adjuster. I called the office, left 3 messages over 3 days. I emailed her several times over the next coming days. I still did not hear a word. I called Sonnet insurance directly as I had not heard when to return the rental they had approved. No one there seemed to want to help me, they just informed me that I must speak with my adjuster who they promised would contact me within the day. Big surprise, she did not. I asked to speak to a supervisor on another occasion, they said I had to wait up to 48 hours to hear a call back from a supervisor. No one ever called me back. I knew my policy only covered 30 days, and as this was fast approaching and passed by, I was getting worried about costs incurred to myself. Still, I had not heard from my adjuster. On day 36 of driving the rental vehicle, I decided to return it, because Enterprise called me and told me that the adjuster had called them and informed them that they would only be covering the first 2 weeks of the rental. I was shocked because my policy clearly states 30 days. Also, I was upset that my adjuster took the time to call the rental car company to cut off the rental but didn't have time to call me. If they were only planning on covering 14 days it would have been nice to know at the very latest on day 14. Not day 36. Enterprise Rental Company wanted to charge me on drop off, but we came to the solution that they would give me a week to sort things out with Sonnet, which was fair. I called and emailed Sonnet and my adjuster again, I was told I would have to talk to my adjuster directly and customer service could not do anything to help me. Finally, the adjuster emailed me, briefly apologized and asked questions that were already previously answered by me during my initial interview. She also required more documents to be filled out, but she did not address my immediate concerns about the charges for the rental vehicle. I emailed her again, I called Sonnet again, I even called the Office of the Ombudsman for Sonnet. They assured me they would have a supervisor contact me within 48 hours. Again, that never happened. We are up to August 18th at this point, and I've had no access to a vehicle, I couldn't work. Being a single mother and not being able to work was extremely difficult for me. As you can understand I have bills to pay. So, on August 18th, I get a phone call from a customer service representative in the total loss unit. He tells me he is the one in charge of deciding the worth of my vehicle for a settlement payment. We discuss payment of $8073.00, minus $500 for the deductible which was satisfactory for me. He mailed me the cheque. Meanwhile, I desperately looked around for a vehicle, found one, put a deposit of my own money down on it to hold it for when the insurance settlement came in. I received the cheque, deposited it, got a bank draft for the vehicle purchase and went out to buy it. I was so relieved that everything was finally settled and I could work again. But, I was wrong, everything was not settled. I received a call yesterday from my adjuster saying they just confirmed with the police that the vehicle had been recovered on August 12th. I had never heard a word from the police or anyone else about this. Then the adjuster informs me that they have put a stop payment on the settlement cheque because now that they have the vehicle they are going to reassess it, test it for mechanical issues. If they find it to be mechanically sound, they will be giving me back the vehicle with no payment. Also, if the vehicle is unsound, and they find it to be worthless money than they originally gave me, that's what the new cheque will be. I am furious about this. My bank account is now in an overdraft because of the cancelled cheque. How can they agree on the settlement, cut a cheque to the customer and then just change their minds? Also, how can they fairly reassess the vehicle when they have no idea the condition it was in before it was stolen? Also, last Friday I received a call from Enterprise saying they hadn't heard anything from Sonnet yet about the money owed and now they were charging my credit card $1683.00. So now, my bank account is in overdraft, I have no money, my credit card is billed $1683.00. Sonnet has screwed me for $9256.00, and according to my adjuster, now that the situation has changed I am expected to be patient and keep waiting for them to get everything sorted and figured out. If I never went out right away and bought a vehicle I would still be out of work waiting for them to figure things out. Meanwhile, I've again contacted a supervisor which, surprise, I still haven't heard from. It has been on an ongoing battle and huge stressor for me for 2 whole months now, with still no solution!