TD Insurance Auto Insurance Reviews

After my credit card was stolen and the number changed, I tried to update it online on multiple occasions, and it wasn't being updated for pre-authorized payments. I contacted TD insurance multiple times to resolve the issue so that I won't accidentally miss payments. Once I thought the issue was resolved, turned out my payment information wasn't updated and I missed two payments and my insurance was canceled for non-payment. I haven't received any notice of cancelation to my email or phone, nor I was notified about missed payments. Contacting TD insurance produced no results and no I am facing the consequences.

I was rear-ended at a red light (no fault) and TD INSURANCE HAS GHOSTED ME. I now have NO CAR, NO RENTAL, NO MONEY, and I am injured. It has been a MONTH since the accident.

After the accident, TD provided a rental car. Policy says $5000 in rental car expenses. They then took 3 weeks to get back to me to tell me that the car was written off. I was offered an insultingly low amount to replace my vehicle (which was completely paid off). I will have to pay out $5000 from my hard-earned savings to get anything close to reliable. I am a paramedic and need reliable transport to/from work in the worst weather conditions with highway driving.
After offering me the insulting claim amount, they gave me 2 DAYS to shop for, buy, insure, and license a new vehicle. They then TOOK MY RENTAL (after less than half of the $5000 amount had been used) and GHOSTED ME. COMPLETELY GHOSTED.
I have gotten NO MONEY AT ALL from TD, and have not been able to get a hold of the adjuster or a manager in over 7 business days (despite multiple calls and emails). I think they have blocked my phone number, or are screening my calls.
I have placed a deposit on a new vehicle, however cannot go pick it up until I pay for it. I cannot pay for it until I receive the claim amount from TD. I am stuck with NO CAR, NO RENTAL, NO MONEY, and NO CONTACT from TD.
Oh and also - when I called the mechanic to go pick up the license plate from the car (the DAY AFTER they told me it would be written off), I was told that TD had already had my car towed to the junkyard A WEEK AGO WITH THE LICENSE PLATE ON IT. So they towed my car to the junkyard a week before they even told me it would be written off, and now I have to pay for and use my time to go get a new license plate.
IS THIS EVEN LEGAL?
HEY TD - CALL ME BACK!!!!!!!!!!
My entire family has been insured with TD (4 cars and 2 houses) for 30 years. Never a claim. And this is how we are treated.

Paid them for almost 12 years and 1 of my payments bounced because money got transferred to my savings automatically, they basically told me to get lost and now I need to find new insurance, they didn’t even let me argue my case to stay on monthly payments so, yea thats how much you’ll matter to them.
In all that time, I also had one small claim from a fender bender and my insurance stayed expensive the whole time.
Your just a number attached to a payment.

Trying to reach my claim advisor and he is not picking my call even though they are not responding my email as well.

I never seen services like this before.

Hard to deal with the long wait times on hold and being left on hold for hours until the phone goes off after three hours.
They ask too many questions. Once at the dealership buying a new car they asked me a bunch of questions like address, birthdate, services I had with them, then what Alumni I was associated with. Well I didn't understand he was asking what University I had gone to. So he wasn't going to give me insurance until the car dealer talked to him. I was quite furious over it at the time.
I find over half the people I eventually get on the phone cannot do their jobs properly and take forever, They insist you listen to long winded statements and give or deny approval. Then insist to go over your policy again and see if you want to change it and even if you say leave it I am in a hurry they say they have to go over it anyways.
I'm done with this place after my car insurance runs out and going with an independent broker for the rest of my life.

Got rear ended and had to open a claim. The guy I talked to said I was going to receive a follow up call the next day but never did. So now I can’t get a hold of my advisor or anyone in there company. Moral of the story don’t get this scam insurance.

Premiums only increase despite not having tickets or claims. I was forced to reduce coverage in order to afford $. There had also been items on my policy that I never approved or knew of.
Service is non-existent. They do not make you feel heard, acknowledge the complaint, express empathy or help. To speak to a supervisor they request for you to receive a callback, which you never receive.
Despite having my card on file and me authorizing payments my policy was almost cancelled due to non-payment. I spent 15 hours/4 calls trying to reach them & sent online messages.
2021 I was charged for updating my mailing address but not told until months later. I was told my premium was a certain $, but an agent 2 calls later told me it was actually less $. I owe them money, somehow, despite them charging my card.
There is a lack of transparency, you have withheld info or told incorrect info, impossible to actually accomplish anything, TD is crooked!

Waited on hold for 3+ hours on 3 separate occasions over the past 24 months. There is also no option to be put in a queue and be phoned back, leaving you stranded on the line.
When requesting a renegotiation of my monthly payments they gave me no alternatives even when I informed them another company had made me a better deal.
Their customers are clearly not high on their priority list. It's a real shame considering I like banking with TD.

I got a letter in the mail with my policy number and the amount due. I have called several times in order to pay this bill. They cannot find my policy number, they keep putting me on hold, transferring me and hanging up the line. Last time, I advised them and they said that they would call me back if it were to happen again..... Obviously, no one called back. This is completely unacceptable and frustrating.

I have been a customer for over 25 years. I have tried on a number of occasions to get through to them as a result of a call from them saying I need to review my auto policy.

The wait time is ridiculous. Their message just repeats on a loop, plus there is no opportunity to request a callback and no indication as to how long you will have to wait.

I know from past experience when you do finally get through, they are good to deal with, but getting to them is next to impossible. TD, you really need to do something to fix this issue.