Meloche Monnex (TD Insurance) Auto Insurance Reviews

My car was involved in a not at fault accident on a Saturday around mid October so I called TD on the Monday to report it.........No one got back to me till Thursday (no biggie) but, this adjuster was simply terrible. After he initiated first contact, that was it. I was the one that had to chase him around and call and leave messages like 4 times a day to get any sort of update. He wouldn't call me and tell me what was going on. My car ended up being a total loss and was written off and scheduled for their salvage company to come pic it up. Again I had to call to find this out. It was actually the salvage company that contacted me to tell me they were coming to get my car (I was like huh???), no word from my adjuster. Then he goes on holiday but leaves to forwarding number. so for 2 weeks I was getting transferred around and getting "you have to talk to your adjuster" at the end of it all. I was able to get a rental around Halloween time however.Then I call in again to settle everything and by chance I talk to an adjuster who was nothing short of spectacular. What I have been trying to get done with my useless adjuster for a couple of weeks she was able to complete in a few minutes. My checks where issued out (I got 2, towing and car write off). I had to return the rental however on November 9th. Now enters a new phase of the war. All of this was settle with the wonderful random adjuster on November 5th, now my useless adjuster comes back from holiday. I could go on and on but long story short. Today is November 23 and even tho my write off check was issued on the 5th (18 days prior) I still have not received it and I get a different story every time. Most frequently they tell me that its still in the mail........I got the towing check on the 9th. How can two cheques issued the same day be so far delayed. In total since all this started I have been without a car for about a month. On top of it all the customer service was horrendous, I lack the capability to literate into words how bad this experience has been ......And here I thought this is the exactly reason we pay insurance. To be insured when these situations arise......Thank you TD. I don't care how much more expensive my next insurer is, as long as they are in no way connected to TD I will be happy

Our daughter has had Meloche Monnex auto and car insurance for over 14 years. Last week her car was rear-ended by a snow removal dump truck and the car was totalled, according to the insurance adjuster. Luckily, she had minor injuries and whiplash, but was transported by ambulance to the hospital from the accident on the advice of the police. As she was not there when the car was removed and the police were finished, she was not able to get a copy of the police report at the time and must wait 10-14 days for it. Meloche will pay for a rental car only for 1 week, and that means she has no transportation. They expect her to drive ~40 miles to their office to pick up papers and the miniscule check they are providing for the loss of her car. They are paying only about 45% of the book value and have not provided any proof tat the damage is actually more extensive than the value of the car. Absolutely the worst customer service I have ever heard of. Do not, under any circumstances, get a policy with this firm. I have made it my crusade to make sure everyone I know is aware of their treatment. Won't help our daughter with the expense of her new car, but maybe someone else. We never know just how good or bad our insurance providers are until we need to claim. This firm is really rock bottom on the list. keep away!