Economical Insurance Auto Insurance Reviews

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”.

Dealt with a woman in a total loss. Very arrogant and not helpful. It took two months for them to even start my claim process and during that time I've been driving a very broken car around.

I recently moved to Ontario from Australia, where I have been driving for 5 years and consider myself to be a well-experienced driver, and began a policy with Economical. At first, it seemed like a great policy and everything was fine. About a week ago, I received a letter in the mail that explained that my insurance policy was being cancelled due to a failure of payment. The letter was dated the same day that the payment was due. I immediately contacted the company to clear things up and make sure I could pay my "failed" payment and continue my policy. However, when I called and was connected to one of the customer service agents, I explained my situation and asked why it wasn't possible for the company to contact me in regards to my failed payment in any other manner than a letter in the mail, keeping in mind that they had both a phone number and email on file too. The representative informed me that I had been sent three letters about the payment, which was false as I never received any other form of communication, and would not explain to me the process or what I could do to fix it. After trying to reason with her and get my policy back on track, she very rudely told me that there wasn't anything that could happen. I never received a policy package from the company, which is vital for every insurance company, and was never informed that something like this could happen. I am extremely disappointed at the level of customer service behind the company and am appalled that they would treat any "valued customer" in this manner. I was under the impression that companies like this would try and do whatever in their means to keep customers instead of pushing them away. If you are looking for a well-communicated insurance company, I would recommend looking absolutely anywhere else, even if the premium cost is higher!

I only wish there was an option to leave a 0-star review. This insurance company is a bunch of crooks! They are only decent if you never have to contact them or make a claim. BUT, the purpose of insurance is just-in-case, right? So you want a company that answers the phone or email and provides the service that you are paying for... I filed a claim for a fairly minor accident that I was not at fault for. It took 2 weeks to get a claim number and begin the process. They required I get an estimate at their partnered shop that is not even qualified or set up to fix my car. In the meantime, I got an estimate at a qualified shop and provided it to Economical for approval (still not approved). 8 weeks later after trying to contact them countless times, they reach out claiming the other insurance company wants me to admit fault. I referenced them back to the police report, detailed witness statements and the other drivers statement all admitting the other driver at fault. They backed off. 2 Weeks after that Economical called and said my car was a write-off (sight unseen). I asked how a car worth $36,000 with $6000 worth of damage could be a write-off and they replied, "it's just easier this way." I asked how much the settlement would be and they said it needed to be evaluated but probably around $4000-$6000. I said: absolutely not! It's now 6 months later and I haven't been able to get in contact with them since. What a joke of a company! I have read my contract in detail. A lawyer has reviewed my case and what they are doing is in fact illegal. Read other reviews, you won't find a single positive one.

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.

This company should be awarded “THE WINNER OF THE WORST IN CUSTOMER SERVICE” If you had to deal with this company when you needed customer service, you would have had them all fired. Its as if your company seeks and hires only the laziest people on the planet. No one returns calls, no one picks up their phone when customers call, and absolutely no one reply to emails. It has been 7 weeks without my car and no communication as to why there is a delay. I drove by a dealership on the weekend and noticed my car parked in their parking lot and can’t find anyone to explain why AND why after seven weeks I don’t have my car back. I have called and called, emailed back to back every day and NO ONE has contacted me. I figured I’d leave my very first review in my life before my fingers fall off. I have not missed a penny paying my premiums. I am not going to continue this relationship longer and after reading all these reviews I would suggest that others do the same. You should fire all those lazy people you have working for you. If they can’t do the job, then get someone who can. In my forty years of driving, I’ve had 4 claims. This claim takes the cake!

Cheap payment, they paid about 8000 to fix my car and when they renewed my policy, they rose from $3700 premium to $18000 premium. I want all people do not buy this insurance with this company!

After a total loss, they are pressing, PRESSING me to leave my registration in the car before they tow it to their facility, basically giving them the right of ownership to the vehicle. The claims agent is trying to bully me into doing so BEFORE settlement, but I have him complained to the FSCO and see how this goes.

DO NOT GO TO THIS INSURER.

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!”

I changed bank, so I changed my info with Economical and they kept charging my old bank, so now they are going to cancel my policy due to their error on not changing the bank info and charging me two $50 fees and my old bank two $48 fees. It has taken over a month to get a response from them and all I get is that I called to change my bank info in November.