Auto insurance claim nightmare
by Brutal Experience on Oct 8, 2015
1 out of 5 stars
I have been insured by Johnson/Unifund for 15+ years. In 30 years of driving I have never had to make a claim. Following an accident that required extensive repairs we contacted J/U Insurance, and this was only an afterthought, as we hadn't even considered this initially. Our experience was not pleasant with the appraiser on the telephone and I felt very judged and and not understood. I understand that many questions are necessary to understand a situation, however I felt that I was being overly questioned about certain aspects of what was being described. Further, our auto shop expressed concerns about the treatment that they received by a visiting appraiser. Six months after the fact, they continue to talk with us about the verbal abuse (raising of voices and cursing towards the shop owner) that they experienced during this process. The shop felt that they were being accused of over inflating their prices (we have often commented on the "decent" pricing of this shop) and not being honest. This shop also reduced prices for us and did not charge us for some aspects of the repair due to the heavy cost of these repairs. Long story short, we are in the process of moving on to another company, for a savings of $800+ a year for both of our cars. I'm not sure if all companies are like this as we don't have prior experiences dealing with insurance following an accident, but we clearly were not happy with the large charge that we had as J/U refused to pay the full amount.
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Long story short. I had a mischief to my vehicle where someone cut into my ragtop roof. An adjuster came out and looked at it. He commented on the mint condition of the roof prior to the damage. It was taken to a dealership for replacement. The insurance company gave the ok for the fix, however against the advice from the dealership only ordered the roof without the liner. It had to come from out of country. Of course once the roof arrived it was confirmed that the liner was also needed. I was informed by the dealership that they had attempted to contact the insurance company on many occasions with negative results. I finally got a hold of the insurance company myself and advised them that the dealership was waiting. Then the dealership called me a day later stating they had a very interesting conversation with the company. The insurance company did not like the final cost evaluation from the dealership and began to barter with them. Of course the dealership advised them that the amount was set and agreed upon prior to work commencing. The work stalled until I called the dealership again and was advised they had not heard from the insurance company for the last week. AGAIN I called the insurance company and was told that they were not going to pay the amount the Dealership had described and I needed to take it to another place our pay the difference. At this point I am totally upset. I advised them I dont care where it gets fixed ...just get it done. Its been at the dealership for a month. Of course now they will have to pay the dealership for work done, and most likely have the vehicle towed to another place to have the work completed to save $1300. Of course by the time tow charges and dealership costs, and the cost of my rental vehicle for the last month, the $1300 dollars would be absorded already. Brutal customer service, and I will be changing companies asap.