Johnson Insurance Auto Insurance Reviews

If I could rate them less than one star and still leave this review, I would. We had a claim for our 2008 Cadillac in which someone had backed into our car, damaging the driver's door and front fender. Our car was sent to Johnson/Unifunds "preferred" Auto Body Shop in London, Ontario to have the damage repaired. After the repairs were completed, we noticed the newly painted fender/driver's door were much lighter than the original paint on our car. Our car was taken back to the Auto Body Shop to show them the colour variance with their paint job and the problems associated with their work. They told us there was nothing they could do because our car was 10 years old and the paint could not be matched. Given the fact the new paint job was much lighter than the original paint and this car had been garaged over 90 percent of its lifespan, we found this explanation quite confusing and hard to believe. In addition to this, one of their employees that dealt with our daughter, when the car was taken back to be assessed, was also very rude and at one point went so far as to call her stupid. After voicing our concerns and receiving no resolution to the problem, we took our Cadillac and had it accessed by other body shops and numerous other professionals in the field to see if matching our paint would be an issue. Every single person that looked at our car expressed the job was not done correctly and assured us there would be no problem at all matching the colour regardless of age, without painting the entire car. We notified our adjuster at that time and sent pictures of the paint job, describing to him what happened at the Auto Body Shop and also told him we had our car looked at independently by other body shops and were assured our car could certainly be fixed properly. Our adjuster at that time sent an appraiser to look at our car but also said there was probably nothing that could be done about it. We’re not sure how he already knew this before it being looked at. After the appraiser looked at our car we received an email from the adjuster indicating the appraiser concurred with the body shops findings and they were doing nothing about fixing the colour variance on our car as it was an age-related problem. The following week we took our Cadillac to another body shop to have all of the work that was done by their "preferred" Auto Body Shop fixed at OUR OWN COST, regardless of the premiums we have paid for years to be insured for these incidents. The new body shop not only was able to fix the colour matching issue on the fender and driver's door (WITHOUT REPAINTING THE WHOLE CAR) but also informed us they found the following issues attached to the repairs done by the other body shop. The repairman said he found numerous issues with the work performed. He said the paint was not applied properly and if you ran your hand across the finish, it felt like sandpaper. Also, he said it appeared as though the paint was applied to the panels while they were on the vehicle vs them being taken off. This caused rough bumpy patches near any seam on the door and fender. Lastly, he said the finish was applied incorrectly and too thick. In his opinion, the quality and finish of the 10-year-old paint were in much better condition than the newly applied paint. We are really unsure as to how all of these issues could have been overlooked by Johnson/Unifunds appraiser upon his inspection. Given the explanations and excuses we were given for the POOR WORKMANSHIP on our car we find it very disappointing that the Auto Body Shop and Johnson/Unifund did not acknowledge and take responsibility for fixing our car correctly and we were forced to have our car repaired independently and pay for it out of pocket regardless of the premiums we have paid for years to be covered for these incidents. After the new body shop fixed the original repairs, it now looks exactly like it did prior to the accident and there is no colour variance between the repairs and the 10-year-old paint job. This is in complete contradiction to what we were told. We sent an additional email to our adjuster on April 20th, letting him know we took our car to another body shop and it was fixed ‘CORRECTLY’ and the explanations we were given by Unifund and the other Auto Body Shop were in contradiction to what the body shop found upon fixing our car. Our adjuster has never responded to our email to acknowledge the mistake or take responsibility for reimbursing us for the repairs that should have been covered from the very beginning. We haven’t heard a word from him. We feel this whole experience has been incredibly unethical on behalf of Johnson/Unifund insurance and find it very concerning from a customer's standpoint there has been absolutely no accountability from anyone to resolve this. We would have to assume there must be some kind of personal gain for the adjuster to completely disregard the “obvious” problems brought to his attention and his total lack of acknowledgement throughout our claim. As business owners, we can’t imagine not taking responsibility for the poor workmanship performed on our car by (their preferred body shop) and taking care of a customer that had paid years of premiums to be covered for these incidents. We are less than comfortable, dealing with an insurance company that conducts business in such an unethical manner. With the cancellation of all of our policies, the adjuster and Body Shop's lack of ethics/accountability has become Johnson/Unifunds loss. It's unfortunate this review does not allow us to upload the pictures of the workmanship performed on our car, they say it all.

Last month I inquire about the penalty if I cancel my insurance with them and the customer service agent told me it will be $20 to $30 and I asked them to confirm me twice before cancelling and after cancelling today I was charged $216. When I call their customer service today their agent told me that total penalty will be $250 and rest of the money they will deduct in few days. I told that agent that before cancelling the insurance I asked your staff and the agent didn't inform me that in total I have to pay $250 for cancellation. In return, I get the response from that agent that we are sorry for inconvenience. Their customer service agents have poor knowledge, what will their 4 words (sorry) give me in return???

I honestly do not understand how you can charge 900$/mo for a Chevrolet Malibu 2017? My husband has been with you for 6 YEARS you DID NOT forget his accidents from 2012!!! And none, I repeat NONE of the agents we've dealt with showed ANY SIGNS of human compassion, or excellence of service, any ethics (barely wanted to write their names upon my request. I have the right to know who I am dealing with, after all, you know literally everything about the person you are screwing).On top of that, they wanted to punish his dad and transfer accidents to his name if another company wouldn't acknowledge the accidents. His dad that was a dedicated customer for 6 years too. Will work MY HARDEST to bring to public's attention the MOST HORRENDOUS service I have EVER RECEIVED IN MY ENTIRE LIFE. Please run from there if you're still with them.

I am hoping some consumers here can share their actual monthly premiums from month to month to illustrate a point.

Recently, the Ontario government mandated that insurance providers reduce auto insurance rates for consumers. Please see the document link below from FSCO (Financial Services Commission of Ontario).

According to this document, Johnson Insurance (Unifund Assurance Company) has agreed to reduce passenger automobile insurance rates by -4.49% for the first quarter of 2016 (for effective consumer rates as of June 1, 2016).

https://www.fsco.gov.on.ca/en/auto/rates/Pages/q1-2016.aspx

According to my bank debit statements, for my two vehicles and home, here are my premiums by month with month-to-month increase/decrease in percentage terms:

PERIOD PREMIUM % INCREASE or DECREASE
SEP 2015 - NOV 2015 = $225.43
DEC 2015 - FEB 2016 = $225.02 -0.2 %
MAR 2016 - JUL 2016 = $227.29 +1.0 %
AUG 2016 = $259.86 +14.33 %
SEP 2016 = $242.91 -6.98%

As the premiums show, for almost one year , or 11 months, my premiums actually only rose 0.8% (+1.0 - 0.2%) from a rate of $225.43 to $227.29.

Then, inexplicably, from July 2016 to Aug 2016 my rates increased for ONE MONTH only by +14.33% and then DECREASED by -6.98%.

Throughout this entire time, my rates were the same in 3 and 5 month blocks and only changed by factors of 0.2% to 1.0%.

I have not had any accidents, or tickets, or made any claim whatsoever on my home insurance during this time.

My suggestion is that Johnson has arbitrarily increased rates recently 'on paper' and then made it 'appear' as though I received a 6.98% discount on my insurance rates, which would fulfill Johnson's promise to reduce (per FSCO) their rates by a MINIMUM of 4.49%.

I would be interested in other consumers experience with their rates in the recent past in light of my observations.

Signed,
Frustrated Johnson Customer

This company just seems to have a different slant on customer service! First of all you can never speak to an actual person and if you do finally get through to a person, you will never get through to the same individual again!
a month ago I purchased a new vehicle and the dealer and myself both contacted Johnson for coverage. After picking up the vehicle, we thought that it was odd that Johnson had not confirmed anything so we called.....they had no record of the transaction.
Today I received a message from Kaila at Johnson to give them a call.....of course I was given a 1-888 phone number....you called me?!
I did not get to speak to Kaila and after numerous 'security' questions.....again....you called me?!? they informed me that the call was to verify that they could send insurance confirmation out to the dealership for my new car.....IT WAS PURCHASED A MONTH AGO!
Hurry up re-newel!

I have been insured by Unifund through Johnson for over ten years. This April, my car war rear-ended. Clearly the other driver's fault. Didn't get to speak with the adjuster once, even after numerous phone calls. Just got the renewal in the mail for 2016-17 - nice juicy increase. So, did my mystery adjuster somehow charge part or all of the repair to my policy? I'll probably never know. So, now it's a choice of shop for another insurer or keep taking it up the tailpipe from Johnson / Unifund.

I've been a loyal customer of Johnson Insurance for nearly 20 years. I've had two cars and my house insured during that time, and neither my wife or I ever made a claim. In the past two years, my wife had run into some bad luck and was in two accidents, both deemed at fault. We were told that she would now be considered high-risk, and so I waited to hear from them how my rates would be affected.
I get a call and an email yesterday informing me that they would not renew my auto insurance. This was fine by me because my intent was to not renew either, and decided also to cancel my home insurance.
I called to get a quote from a local broker, and expected to pay significantly more. Even with full disclosure, they came back, my wife now high-risk insured, at $12 cheaper per month than my regular rate with Johnson!
So not only am I saving money, I've been getting gouged for years! I hope this post gets read by customers and others before it gets removed, so that you can save yourself some money and hassle by just going to another company. My biggest regret is not shopping around sooner, but my fault for thinking that loyalty would be rewarded.

Called them for a quote for a newer vehicle we purchased. Very high price. Asked them if the could do any better since we had been with them for many many years. They told me no. Found cheaper insurance by $800 same coverage. Called to cancel the vehicle insurance which they had to talk to myself and my husband. Found out then that there is a cancellation fee plus our house insurance jumped up $300.00. Asked to talk to a manager regarding the cancellation fee and they would not put me thru to one. Bully corporation and high robbery.

Been with this company for many many years. Purchased a new vehicle and asked for a quote for the new vehicle. Outrage price, asked if they could do anything to lower the price. No I was advised. Took three calls to get the letters for the new insurance company. They had to talk to myself and my husband to cancel the auto insurance. Then we found out there is a canellation fee as well as our house insurance went up $300 since we cancelled the auto insurance. Asked to talk to a manager regarding the cancellation and they would not put us thru to one. Bully and Robert from this company.

I was a customer with this company for 13 years, and recently I had the last of a string of very shady experiences with them.
I saved $500 a year just by switching insurance companies to another one today and I am getting even better coverage with my new company.

As far as their dishonest and shady dealings:

Most recently I received a speeding ticket for doing 76kmph in an 80. Apparently the section I was in was a 50, however the sign was removed for construction over a month and never replaced. I was not from this area so I was unfamiliar with the speed limit sign. Under the highway traffic act the zone is an 80, however the police officer still charged me, knowing they were in the wrong and the whole incident was documented on dash cam with GPS data. I also went to the police station and the captain admitted to me that they were in the wrong but could not reverse the ticket. I ended up having to pay since the amount of money to fight the ticket was not worth it. They lawyer would of been $400, and I would have had to attend court in the town where I got the ticket, which would of costs me $300 in gas and about $400 in lost wages. So instead of $1,100 out of my pocket I paid the fine, since the officer who knew she was in the wrong bumped it down to the minimum fine. So I had no demerit points and it should have been forgotten there. Now with any normal insurance company a no point ticket does not effect you, but not these scammers. Three weeks later I got a letter in the mail informing me my insurance would be increased $250 additional dollars per year, even though I did nothing wrong. The insurance company did not give a crap about my word and they did not care about my evidence. It took me three days to get in contact with anyone to even explain my situation, since they laid off everyone and shut down the offices here and moved it all to a mega-call centre in Toronto. So I did finally get in contact with someone who was unsympathetic and did not care. So after 13 years they could not be bothered to give me the benefit of the doubt. The company I am now switching too is only two thirds the price. I am accident and claim free, and have no demerit points, but Johnson treats me like garbage.

I also had an other incident a couple years ago where someone did a hit and run on my car. Johnson were unsympathetic and treated me like I was a criminal. They would not pay out even a third of what it was worth. The car basically suffered from nothing but a dented quarter panel which could of been fixed for under $2000. So after 10 years of full coverage They tried to write off my car. When that happened I just dropped to basic coverage and fixed it myself. I then drove it for another year and a half before I sold it.

All the good reviews on this site about Johnson from three or four years ago, however they have changed a lot. What a damn joke Johnson has become. I felt that their company was the bane of my existence, so today I stood up and finally switched companies.