Intact Insurance Auto Insurance Reviews

I hope this message can help as many people as possible know that this company will find any excuse not to ever fix your car and pay the least possible amount. There was a big piece of metal that doesn't fit under the car in the middle of the highway. This piece hit the center of my car and swerved to the right side of the car where I drove over it with both my tires. When I went out, my foglight was broken, the car was scratched from the front center to the right side and all the way to the back. When they went to inspect, they refused to fix the foglight because it looked "Dirty" and refused to fix the scratches because they looked "Dirty" and ended up paying only 106$ to change my tires that were used only 1 winter! They refuse to believe any damages were caused by that incident, basically telling me I'm a liar indirectly. Now I have to pay 450$ extra from my pocket to fix all these problems that were caused by the metal piece in the middle of the highway. They did nothing for me, didn't even compromise and asked me to return my rental car before my car even gets ready or marking the claim as complete. I didn't even get the 106$ yet! Now I have no car, no check from them, spending more on uber, waiting to figure out what will happen to my car after these damages. Don't use their insurance. Overpriced and won't cover you.

My car is a total loss. Took 3 weeks to tell me that then the money was supposed to be direct deposited in my bank, 6 days later still not there. Then they told me to get out of the rental, I said: not without the money to buy a car. Then they issued a cheque Wednesday, supposedly sent it by courier Thursday. It's now Tuesday of the next week, no money, nobody can give you tracking information. This company has awful employees and service. I won't be renewing. FYI the total is not my fault either.

In August we had a collision with a dear and we have a replacement value clause on our insurance contract. The car was not severally damaged but the airbags deployed. Intact took 1 month just to figure out if it was a total loss or not. After fiddling with the evaluation report (putting ridiculously low hourly rates) they managed to pass it as a repair. When I was contacted to recuperate the car I asked for the total costs and it totalled $27000 + $5000 for the courtesy car. Today they refuse to pay the rental company for the courtesy car and they are holding our deposit and after such a pricey repair on the car, it is now worthless (lost about $10000 of it's resell value). If you want replacement value, do not go with Intact, they will find any way of not replacing your car.

I was hit in a roundabout (low impact, front corner fender bent, not my fault). Intact over-estimated the repair, and undervalued the car (2005 Prius), to force a write-off on minor damage. Intact's estimate to repair was $1700 more than a competitive estimate to repair, by another certified insurance estimator. Intact refused to recognize the lower estimate. Both estimators confirmed the car was repairable. Intact insisted on writing my car off. I insisted on getting the basis of their evaluation of my car's value before I would sign my car over to them. All six quotes they had averaged were invalid: the cars had much more mileage (100,000 km more than mine), and/or were different years, and/or were not in the same area (one was over 500km away), sold more than 60 days previously, and prices had all been reduced by 8% than the asking prices for "presumed negotiation reduction" which had not happened. I know, because one quote was my own purchase of my own car a few months earlier (I had paid the asking price), and I called the rest of the contacts directly. As soon as Intact made their first write-off offer, they cancelled my rental car. Pushing back on their under-evaluation resulted in Intact increasing their payback to me by $1000 after 5 weeks of emails and phone calls. 9 months later my "written-off" car was found posted for sale again online, with a CLEAN accident report. Do not deal with this company. And do not trust clean accident reports when buying used cars.

A truck backed into me a month ago. I am insured two ways, so covered in the event of any collision. I was deemed 0% responsible for the accident - had my car deemed a total loss, then told I could not have a rental car as the fine print on the contract (which is nowhere on the client's contract by the way) states that as of the day they give you their (lowball) offer on your total loss vehicle, they no longer cover car rental fees. I was able to drive my car after the accident and did so until they told me that in order to prepare the check for the total loss, they had to be in possession of my car. So I had to let them tow away my car - with no rental and a wait to get my check. HOW THE HELL AM I SUPPOSED TO SHOP AROUND FOR ANOTHER CAR WITH NO RENTAL AND NO CHECK?? I pay for the F.A.Q 21a, which is supposed to cover my replacement fees (rental etc.) for up to 2125$ or 75$ a day. They refuse to honour my contract based on fine print details that I do not have anywhere on my contract. Did I mention that I was insured both ways and deemed 0% responsible for my accident? These guys are warped...

I was in a car accident Dec 2017, a truck hit me, not much damage to my car back fender, side panel buckle, my navi radio screen blink off and on then it didn't work. My injuries: rotator cuff ripped at 80% right arm, whiplash to my back and neck, severe vertigo. My car went to the auto body shop, which I was told it was still driveable. After the accident, I had electrical issues with the car, the headlights, high beams, the radio would come on or off periodically, my car turned off on its own. Obviously, I had electrical issues, my car was serviced the day before and nothing was noted with having issues. Intact called the dealership for them to look at my car. Codes came up and I was told to talk to my insurance, no one told me the codes. The dealership, they are getting paid by the insurance and they work for the insurance that I need to talk to them. Intact told me it wasn't accident-related. Finally, I talk to a lawyer friend of mine who said to me: call insurance now, your car is unsafe to drive. Prior to many conversations with Intact, they wouldn't put me in a rental. Finally, after the talk with the lawyer, they got me in a rental within 15 mins. The auto body shop did a partial tear down, they couldn't say for sure if it was accident-related or not but said if the customer comes in and says this is what happened, then they feel as that is what happened. Then the auto body shop told me that my car was unsafe to drive and they wouldn't drive it either, so the car sat at the auto body shop for a couple more weeks. Intact said if the auto body shop said it could be the cause, they would write my car off. They didn't keep to their word, Intact sent me an email saying that I had 24 hrs to agree on getting the bumper fixed and also agreeing to get the bumper fixed. I am also agreeing the electrical is not caused by the accident. I wouldn't agree to this, 'cause if I have electrical problems and this car is unsafe to drive, I could cause an accident or even kill someone, I don't want that burden. I wouldn't agree to that, so Intact told me to take the car back to the car rental place and which I did, I still had 5-6 wks of car rental left and they would let me use it. Intact also wasn't rushing me to get medical health, the adjuster said to me that I could walk to physio. It was approx 2 km walk, I have severe health issues and have a handicap permit, I am on heavy pain medication and told him I can barely walk a few feet. He would still argue with me on why I couldn't walk, meanwhile, it was the middle of winter and the weather was approx -17 -20. I always have high blood pressure and asthma. It took a month for Intact to take me out of minor injury, I finally got into the second one and I received a letter last week stating I have no housekeeping, no benefits now my injuries are back to minor. Through the accident I am unable to clean and look after my house, I live alone, I'm almost at the point of being homeless I am just on a fixed income on a long-term disability. I wouldn't suggest Intact to anyone. This has been a nightmare for me, they don't care about their clients. 9 months I have been fighting with them, 9 months of not receiving anything from them, 9 months of not getting paid out on my car. What kind of insurance company does this? Why wouldn't they help? Why would they want me to suffer ? My life has been hell! Because of Intact I would have never thought this kind of thing happens in Canada

I currently have insurance with them but am looking for another company. My husband had an accident and they messed up when sending me the cheque for my car but guess what, I have no vehicle right now but the rental one and it has to go back without having the money to get a new car. What kind of insurance company leaves their clients stranded after they messed up. DON'T DEAL WITH THIS INSURANCE COMPANY.