Economical Insurance Auto Insurance Reviews

My wife had an accident with our vehicle, she was at fault. Up to this point, it’s all good. The problem was that my car was worth $20K and they spent $24K to fix it. Does that make any sense? Needless to say, my car’s value dropped to nothing. I called them to enquire and after a really bad customer service the guy literally said “We judge whether or not it’s a write-off.” Again... it’s simple math, why spend $24K in something that’s worth $20? Please, stay away from them.

It took 5 weeks after our accident to get an answer on what they were doing with our car. They offered us no rental, and when they did, it was through a substandard company that failed to mention it was closed on weekends, so our week-long rental, factored in with the holiday, was only for a few days. Apparently, for five weeks they can't get an adjuster and then an appraiser to give an amount on what is now a total loss, but they expect us to buy a new car in 3 days, without having even finalized their offer to us?! This company is absolutely the worst. The woman who was our claims representative allegedly has an MBA, and this is what she chose to do with her life, screw people over and with a smile? Please, save yourself the grief and go elsewhere. If you have a policy with them, don't renew. It is not worth the grief because when you do need them, they literally strand you.

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!

After a car accident, I suffered a herniated disc. I was unable to walk, sit, stand, dress, perform any sort of activity of a normal life. I contacted my physiotherapist as I do not have a doctor who will listen. I was told to ask my pharmacist what to do. In order to get to my physio appointments, I had to lay down in the back of my car as I couldn't sit upright at all. I was not at fault for the car accident. I was granted coverage for physio. Thanks to COVID 19 my clinic ended up closing down for 4 months dramatically hindering my recovery. Any compassionate human would take this into consideration but not Economical! I have been repeatedly harassed by a representative demanding my full medical history for the past FOUR YEARS which is not relevant to this case. He continues to harass me and demand sensitive medical information and accuses a "pre-existing condition" for my need for continued care. I will not hand over those files as they are none of their business. My physiotherapist has all the evidence required and should be enough. I would not need continued treatment if I had not been set back 4 months thanks to COVID. Apparently, that doesn't matter. He's looking for any excuse possible to get rid of my claim. I'm being harassed and treated like a criminal.

Fast on taking your money but very long wait on waiting for your money when you do the claim. Took me a month to get a hold of the adjuster. Had to go through the management. They wanted me to do all the work and police reports when they have to do it. They have the right to do a 2-month investigation but you are covered for rent only for a month. While they do the investigation they don't pay for your rent and even after the investigation is over I still have to hunt them for rental money that I paid. The case happened in the middle of January. Still don't have the money for rent...

I wish I had looked into this insurance company before agreeing to have them as my Insurance company. This company currently handles my home and auto insurance. I have had auto insurance with them for approximately 10 years and have never had a claim. I have held house insurance with them for just over 5 years ( I am leaving this company but currently still use them ) This company is not on your side, their customer service is beyond the worst I have seen. I am currently in the middle of dealing with their ombudsperson. I was hit in a parking lot while exiting my vehicle by a woman with no sticker or registration. My car was off, and I was exiting my vehicle when she pulled in very fast beside me and took the door off of my car ( my foot was on the ground as I was getting out) I had a witness and video of the women who was very erratic. I never received a rental car (which is in my policy). I am still working and was carless for over a week with no answers or callbacks from anyone (including smart coverage my broker) I was then deemed 100% responsible for this claim because my car door was open. Even though I had a witness who saw me exiting my car when the woman pulled in and hit me (very fast). This happened at the end of March and I just received an email back from the ombudsman person today. They do not work for you and are not on your side. After looking and reading about this company I see how many unhappy customers they have. I have no problem admitting when I'm wrong but this claim is absolutely absurd. I have never been more disappointed or disgusted by a company. Do yourselves a favour and stay far away from these crooks

They only get one star because I can't do 0. Do your future self a huge favour, and don't bother with Economical Insurance. Not only they have terrible customer service, their assume guilty policy punishes good drivers who act in good faith while allowing or even rewarding bad drivers who lie about insurance claims to get off with only a slap on the wrist. No wonder insurance fraud is so high, with that policy. I have been a customer for years with no claims. I've driven 10 years with no at-fault accidents. The first time I submitted a claim this year, things went downhill fast. Not only did the insurance agent insist I go to their auto shop, across town from where I had an appointment already booked, but she also didn't even give me the right address. I'm glad I called the shop to confirm ahead, because I found out that she had also given me the wrong time, Monday afternoon instead of Friday, making my time off work nothing but lost hours and income. (Apparently, this was not the first time this had happened according to the auto shop.) Next, we come to the claim itself. I had a police report with a clear not at fault, a clear recounting of the events, and photos of vehicle damage on my left / driver's side. The other 'honest' driver (who insisted we should not do insurance and was 'very honest,' we could settle with cash!) made a false claim to their insurance saying I turned right and hit them, instead of what happened, they turned right and hit me. Their story is physically impossible while travelling in the same direction given the physical damages to my vehicle. But, the lie did not match, so apparently, it was an automatic 50/50 - now, not only was I being given bad customer service, they weren't even trying to help at all, and I was treated as guilty in each subsequent interaction. Nobody wanted to do any real work to help or make sure that things were done right. They are currently trying to finalize my claim without even bothering to wait for the police report on their end to be delivered - pure laziness, and it makes me wonder if that part is even legal - I gave them proof and they can't even be bothered to read it? Clearly, it was far easier (and more profitable) to just hit the 50/50 button than do their job. This policy of treating their customers like dirt, and guilty until innocent not only punish those drivers who do things right but by allowing the false claims to stand it condones and even rewards bad drivers who lie to avoid a penalty, with no burden of proof on their side. I can almost guarantee that the other driver, if they keep driving like what I saw, will go on to be in another accident and next time may not be lucky enough to escape with no injury. The first agent I spoke to argued up and down how I could have hit the other person, in fact, taking their side! (and the first story I heard was not identical to the second story either - different stories from the other insurance agency would also make things a bit suspicious too!) This lack of oversight might be why insurance fraud is so high if their agents just accept lies at face value while deliberately ignoring proof from their own customers.

I got hit on a Saturday night - badly. They claim to have 24 emergency claim support - NOPE! People are at their most emotionally vulnerable - but if you get hit after 5 pm on a Friday - guess what? You'll be waiting for 3 days. They have an answering machine that DOESN'T record messages. It's been like that for 2 years and NO ONE CARES ENOUGH TO FIX IT! I called on a Monday morning - go through to a representative - she put me on hold after a 5-minute chat and my call was disconnected. Did she call back? NOPE! I got an assessment and it's been 4 days - my shop still hasn't received it. I'm driving around in a smashed-up car. Terrible company.

This company is not as cost-saving as they claim. The service is not customer friendly and the response to get back to you is terrible. Be careful when you get in an accident and try to dispute your claim. I would never recommend an Economical Insurance company.