TD Insurance Auto Insurance Reviews

I had an accident where an impact (verified by mechanic) caused my rad to leak and engine to burn out. T.D. refused to settle and dragged out the claim for months. Christina (adjuster) talked with me twice. Other staff were rude hard nosed and dishonest. Met with "Keith" an investigator who said a "denied claim will result in facility insurance" and intimidated me. I withdrew my claim and later thought that I would still want to purse it. On being contacted by Keith he simply yelled "fraud fraud" into the phone and insisted on a police report after the fact (no such a thing -there are accident reporting centers that you must report to in 48 hours -I had reported mine directly after the fact to T.D. Do not insure your car there - they apparently do not pay out a lot of claims (I am out 3000 for new engine, repairs to rad travelling and hotel-all supposed to be covered by T.D. P.S. claims dept ONLY calls or not taped-BEWARE.

They refuse to pay a claim as they give you the run around for over a year but still take their money out of your bank account for over a year on a vehicle that you don't even have anymore. It still hasn't been resolved.

I had a not-at-fault motor vehicle accident in 2018. I went through 7 adjusters and had to contact the insurance ombudsman to get any action. Then as an apology, they were sending a 50 visa gift card that 3 months later was not received. What a joke! The next year my premiums went up to $150.00, now this year up another 250.00 absurd! When I called to complain about my premium which I was given 24 days renewal notice, again, not acceptable! After being on hold for 2 hours and 24 mins all I kept being told was apologies, for the wait time, and all the insurance companies were going up to mine 15%. I informed the girl that during my 2 hour wait time I had time to get many quotes all less than what I am paying currently! One with a big name was the same as my new premium but insuring both my 4 runners and my husband's Toyota truck with full coverage. She then proceeded to tell me that she can lower my premium by removing full coverage on my vehicle. Seriously? After 35 years + banking with TD and insurance with them for 25+ years, then can take a hike! Avoid them at all costs! No COVID relief either thanks TD for a whole lot of nothing!

TD used to be excellent - low prices, responsive call center. Now I'm not able to contact them by phone, email, or online secure messaging which claims 2 business days maximum. I had an auto claim - two weeks for my adjuster to return my call after I pretended to have a new claim and had to escalate to their manager. I told them to not renew my home policy, yet once again I have to sit on hold for hours to avoid getting charged for something I don't want. Very disappointing, as another user mentioned, their service declined amazingly quickly.

Had a collision claim 5 months ago, Was very bad experience with TD, they tend to prolong the matter intentionally to pay as little as possible, requested to escalate the claim but the internal escalation is not done effectively. I had to contact a lawyer and after he wrote them they resolved the claim and covered all expenses 2 days later. Their operation is no different than a scam artist.

Know that if you are assigned an adjuster with TD Car insurance then they are most likely going to leave you high and dry. They will most definitely not pick up your calls, respond to your emails even if you really need to get in touch with them or get back to you anytime soon. Be prepared to pay more for car rentals as they will not investigate the issue timely. (Once the issue has been passed down to your leasing company, TD will do nothing for you even if the investigation hasn’t been completed. Not even cover car rentals. They also won’t give you an update or provide you with a status other then “we are investigating” - this for us has gone on for 4 weeks now). You can count on TD car insurance to make a bad situation even worse and mess with your mental and financial wellbeing. Definitely not worth being a client.

So, 2017 I was parking at my friends driveway which is on a curve and I ended up hitting the bumper of a rental Yaris on the curb. That caused damage on the plastic screws on the bumper and the rental company had to replace the whole thing. I called TD Insurance to ask them how it WOULD work if I use them to repair but I ended up using my Visa insurance because it would be cheaper for me. Anyway, after a while, I left TD Insurance to go for another company and now I was asking for a quote for a third party and they say I have an accident at fault on my record from 2017! These people put on the file that I was at fault for an accident?! I didn’t even use them at that time and my insurance quote is doubling because of that. Do not go with these guys, they’re useless and don’t care about customers.

I bought my first new vehicle in 30 years and unfortunately had an accident 10 weeks later... Electronic emails constantly but not a single person to ever talk to. Hours of wait times on the phone and days without a return call. Then the company goes behind my back and authorizes repairs without calling me. They authorize 39 thousand in repairs on a 48 thousand dollar vehicle, not including mechanical costs and want me to wait 3 months for delayed GM parts plus a month for repair including the replacement of 4 of 6 airbags. This company plans on spending a total of 15 thousand more to repair the vehicle than it would cost to replace new. This company is a complete joke to deal with and forget talking to anyone. Now after 40 years of driving with my first accident claim I understand why they are rated by the public as a total disaster. TD, you don't deserve your one out of 5 stars rating.