Intact Insurance Auto Insurance Reviews

July 7 2013, in my 1966 Mustang, sitting at a red light I got rear ended really hard by somybody in his Mercedes SUV who didn't even brake at all. His licence didn't even match his insurance and out of fear that he didn't update his licence from BC to Alberta for over a year, he offered to give me cash, which I refused. I got injured needles to say, and I made a report to my own insurance company (TD Meloche Monnex) the same day. I waited month and they were completely absent, didn't return my calls, and people were taking vacations left and right. They sent an Adjuster who was shocked it was a 1966 and told me he had never done an old car and thought he was doing a quote on a recent model Mustang. Needles to say a total nightmare. They were rude, telling me to find my own shop, when I speficied I wanted to go to there preferred shops. I spoke with the manager, and he spoke to me like I was a kid, telling me to take the money and run. This car is my investement, and I already had $25,000 invested just in mechanical parts alone, and it's not a point A to B car. I had enough with TD Meloche Monnex

A month after of hell, I contacted the at fault driver's insurance INTACT around the first week of August (my car still sitting where it was parked after the accident). I dealt with a claims adjuster. At first was pro-active in corresponding. They eventually sent an adjuster from RML in Edmonton. The car was not allowed to go to a shop until the appraisal was finished. Finally by September it was allowed to go to a shop. There was obvious damage that for whatever reason, RML and INTACT fought myself and the shop, who pointed out the very badly warped trunk. Then, the ruptured fuel tank etc etc. Another nightmare. Then they fought about the car seat that was broken from impact.

Needles to say, today is November 6 2013, and my 1966 Mustang sits impounded by the body shop until a full balance of $490 is paid. My Mustang is covered in snow, the driver seat held up by wooden block to keep it up since INTACT refuses to repair it.

I spoke to INTACT western division manager, and this man was very rude, condescending. Went as far as telling me my car is not a Classic car and just an old car, then asked me what year it was, and even said he hasn't seen my car. Basically, avoided addressing the issue and took a personal issue with me.

I contacted INTACT's Ontario division, maybe there they will be more civil. They were, and was told they will address this.

A week later, the manager calls me, with a better attitude. He says he wants to resolve this matter. After a more civil conversation, he says he will address my property loss issue only if I deal with my bodily injury first together. I told him I have a lawyer regarding my injury, and I was injured and still to this day receiving treatment and still suffering from the injury. He said all or nothing. Basically, he wants me to sign a release form removing any liability and responsibility INTACT has for paying my medical bills, just so INTACT can repair my broken seat.

The audacity of INTACT and this manager is not short of a slap to the face adding insult to injury. INTACT has not provided a rental vehicle throughout this whole time. I don't have a credit card, not do I ever want one. So, since I had a second vehicle, I added that on my insurance to be on the road. My insurance cost went from $94/mth to $240/mth. They wouldn't even compensate me for my additional cost, yet they saved $36/day on car rental. Then I had to absorb $490 repair bill that would have never happened if it wasn't for the car accident, or RML did a proper appraisal.

Whatever money I had saved, earned, and was earning, is now going to pay this $490 bill. I've been in school since September of 2012 and was working whatever job I could find before returning to school again to finish of my degree in Petroleum Engineering.

INTACT insurance company for sure prays on people with financial disposition. INTACT is truly one of the worst insurance companies to deal with, and one of the worst business to deal with as well.

Still my 1966 Mustang rear ended on July 7 2013 sits impounded by the shop collecting inches of snow, with the driver seat being proped up by a wooden block. Snow and ice on the ground, gravel all over, and the year is nearing end.

I've been with TD for many years, and they are usually a good insurance company. But INTACT is like dealing with crooked thieves. INTACT is the image of what a bad insurance company is. It's horrible from the claims department right up to management. You think you'll deal with someone who is reasonable when the claims rep handling your file ignores your call for literally months, only to find out that the management and company structure that teaches them ow to deal with clients, is actually an even bigger problem.

I was a victim of there driver, yet, they think being rude and demeaning you will make you easier to be man-handled by them.

So a warning, avoid INTACT Auto Insurance, if not have a lawyer deal with them. INTACT Auto insurance is a horrible company to deal with.