TD Insurance Auto Insurance Reviews

I had an accident due to extreme weather conditions on December 11th. Phoned in a claim and was transferred to an extremely rude insurance adjuster. He was overbearing and abrasive. It's ironic that they send out emails with the header "We're here to help" because my experience has been the complete opposite. My claim is still under investigation and I have not heard a word from anyone at TD Insurance on the status. It's gotten to the point where I can no longer speak to this person because of his rudeness. It's unsettling! There are way better insurance companies to do business with.

I have only been a TD customer for a few years with a clean record. Last year (2015) I had a claim after an animal hit and this year my husband had a accident and wrote off his car. The claim and payout was fairly quick but then they refused to insure the replacement car. Its a 2011 crown vic - former police car. I have been fighting with them for 4 days over this and today got told to look around for another insurance company just in case as there is no guarantee they will insure it even after jumping through all their hoops.

I have had the worst experience with TD I have been a loyal customer for years. I have never had an insurance company like them, they have no sense of integrity and when I asked to make a payment from when I fell sick and ALMOST lost my LIFE !!! They were ignorant and wouldn't settle with me. They wanted me to pay 2000$ when I still have registered insurance right as I write this. I would never go to them, ignorant and zero concern for their customers

Yes premium prices are one of the lowest out there, but apparently for a reason. A nightmare to deal with on all of my claims, frequently puts rates up with no explanation or reason (after being on hold for 30 minutes they cant even explain why except changes to market etc etc). Having a terrible time dealing with my physiotherapy right now, will be changing companies as soon as things are resolved. As with other people, if there was a no star option for Customer Service and especially Claim Service I would use it.

By tomorrow I will be leaving TD Auto Insurance as they are terrible. Customer Service is ridiculous and not customer friendly. They can only touch your file once per day so if you need to do two things, ex: find a quote on another car you are thinking of adding and also trying to activate your insurance or stop your policy. They can only do one, not both...Second, like many people have written, they tell you different things from one rep to the next and even with the same rep on the same day saying so many different and contradictory things (ex: you have to act now and I won't be able to call back because of the high volumes today so if you have to call in you will probably get someone else. But then saying he can call you the next day)...Or increasing it by $60 dollars and then saying it's "small thing". Claim service like people said, you have to push to start and process through (I had hit black ice last year). And the list goes on. Their rates go up even with no claim. I tried State Farm and TD and both were horrible in the past 5 years. State Farm was better than TD but they too increase their rates when they feel like it every 6 months or so. Any recommendations for Auto Insurance??

I had an accident and my car was a write off, they wanted to fix it but I said I dont want it to be fixed, they gave me a bit of hard time at first but then they went a head and written it off, the amount was fair, and handled within reasonable time

I have been insured with the company for 14 years and got into an accident 3 weeks ago where I knew my car would be written off. The accident happened Friday evening so I called Saturday before noon to declare the accident. I spent a good 30 minutes on the phone with the lady taking my statement and telling me to go get a rental car they were going to pay for. She said once I talked with my adjuster (which was suppose to call me at the beginning of the next week) I would either keep the rental until the settlement if I was covered for a rental and if not that I would simply return it but they would still pay for the time I had the rental. After not hearing from the adjuster for almost a week I called for him to ask me why I had waited a week to de claret the accident.????? I had to push to get things moving and they didn't even bother telling me the settlement (which they did with the lender) 3 weeks later. Now they are refusing to pay for the rental car I've had for a week ($216) which I would have never got if they had not told me to and asoured me they were paying and they tell me that they have no ecru of me calling to declare the accident so are basically accusing me of lying???? Half the people I talked to were nice and the other half was really rude!!! I would rather pay double with another company than to deal with them or give them another penny.

Even if you are not insured with TD Insurance you may unfortunately need their service if an impaired driver hits your car is insured with them! This happened to me couple of months ago. I had a minor collision which needed some body work. TD appraiser, after 5 minutes of inspection, decided that my car (which didn’t make yet 160,000 km) should be totalled. The adjuster tried to scare me with all his might about keeping my salvaged car (and the expenses involved in bringing back to the road) but I insisted on it. They paid me as little as they could. It is somewhat a hassle to bring it back to the road a written off car but I managed to repair it at an inexpensive body repair shop and to pay for the expensive inspection ($450) from the settlement money of TD insurance, with no need to add anything out of pocket.
About 7 years ago I had the same scenario with another insurance company who wanted to total my car for the same reason (the repair would cost more than car value). When I refused to give away my car we settled for a smaller amount of money, they didn’t write off the car, and I got refunded for car rental, and didn’t need to go thru the hassle of inspection to bring it back on the road.
Why is TD Insurance company so eager to total cars? They can repair them and resale them, and make good money. Also, TD insurance agreed to pay for only 3 days (!) car rental and not for the whole period of negotiation and settlement, because (they said) it’s a salvage car. So, we think we know all the tricks of insurance companies, but each time you learn something new about the level of their expertise in squeezing more money from the public. By the way, when the inspection person took a look at my damaged car he laughed upon seeing how TD insurance tried to have a steal deal from the potential resale of it. If this car was considered “salvage” then probably 50% of the vehicle on the road should be salvaged as well.