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.

This has been my first and only collision in my lifetime and it has been an absolute nightmare nearly the entire way through. I started the claim January 16, 2024. And the first week I was unable to get either a tow or rental car leaving me taking the bus that nearly took me 3 hours to get home on -35 days. Then finally got this claim settled out and am supposed to be paid out as this accident was at absolutely no fault of my own. Then I’m still waiting on money and had to turn in my rental on Saturday while the person I care for was in the hospital and has further crucial health appointments I need to take him too and have no money to get a new vehicle, no rental, no money for cab, unable to take the bus due to his circumstances! For an incident that I had no control of at all and the other individual on the side of this case has absolutely no effect to her, none. Just consequences on the side of the innocent party …. Other person only has a dent on company vehicle. Has a whole other personal vehicle no effect to her livelihood whatsoever. Still waiting on payout to be able to so much as search for a new vehicle.

So I canceled my insurance as my vehicle was in a accident in 2023 I had a letter from td insurance telling me I was getting a refund issued back to my card of 1900 and received a check for 630. I call and the agent tells me there must have been a mistake on the letter now this is a insurance company and claiming they had made a error and refused to tell me what's going to happen to the 1200 the letter told me about. The claim process was nice but over all not the type of experience that a customer should receive.

This is to let the world know that TD Insurance is a scam. I have been paying my premium regularly for many years and the very first time I have a claim due to a little damage to my car rear bumper has been a big issue in over two months now. Their approach is unprofessional and unbusiness like.

We had our car hit by another driver.
He provided us with his insurance with was also TD and his drivers license.
We had a collision report prepared by the police.
we contacted TD to have the car fixed.
It took them 3 days to contact us.
They said we need to wait another 10 business days till they contact the other insurance even though it is TD. We could not have any car rental and we have been without a car for three weeks now and there is still no date settled when we can have our car fixed.
Unbelievably slow and useless insurance.

My mother used this unscrupulous company for her insurance. She got in an accident. Wasn't her fault. And they never settled her claim even though she sent all the necessary paperwork back to the adjuster. Adora F. He kept stalling. Lying. And finally. 4 months later my mum passed away. Due to some of the injuries she sustained while the accident. Then as executor of her estate, I noticed they. Kept taking premiums from her account. When she never had a car since her accident. So they knew this as. They never settled her claim. I'm trying to get closure on this. Case and all they do is put up more and more blocks or ask me for signatures from my dead mother. Even the TD Bank manager who was working with me to settle this was shocked at how absolutely difficult they are being. Looks like I'm going to have to sue! Because they refuse to accept that I'm the executor. Even though. TD waived to probate and deemed me executor. I can't believe that a chartered bank. As credible as TD. Would allow this criminal scam company under their umbrella. Don't use this Company TD Insurance is a scam and will never pay and keep taking premiums when not entitled. I had to close my mum's account to get them to stop. As they didn't accept the death certificate either.

Took TD 3+ months to approve the repair to my vehicle (not because there was a shortage of parts or COVID, or whatever else the excuse could have been they just dragged their feet), and even after it was finally approved the car was taken into the auto body place of my choice (I know their in-house place would have cut corners), TD then denied part of the repair so I'm now out of pocket $1500 to get it repaired fully to the way it was before we were hit.

I had 4 different advisors assigned to my claim over the 3+ month period and not 1 of them would return a phone call to me or the auto body shop. Emails were exchanged and if the advisor decided to respond (which wasn't often at all) if you tried to call them immediately as soon as it was sent/received they just wouldn't answer the phone.

The Autobody shop even sent TD an email stating that the damage they are denying is more than likely a result of the accident and TD just said nope we're not covering it. I spent 2 additional months after them denying it trying to fight them over it and even had 2 other shops agree that the damage is likely a result of the accident yet TD refused to cover it and basically closed the claim and brushed me off.

Would not recommend TD to my worst enemy. This company is horribly run and TD should be ashamed of themselves for letting it be this bad. Had I thought about reading reviews prior to picking my insurance company I would have been warned and it would have been my own fault for ignoring the warnings but I didn't even think of looking at online reviews for insurance companies... Take my advice and the other reviews and stay away from TD.

I made a claim over a month ago and was hit in the back, the employer will not take me back without a doctor's clearance, no income, and no help from TD.

Avoid.

- Initially quoted 18 business days to do repairs. Completion date: June 28.
- On June 24, receive an email that the completion date has moved to July 12 - no explanation provided. When I call to find out why I get voicemail. No callback.
- On July 8, receive an email that says the car will be ready on July 12. Excellent - I make plans to use the car the following week
- On July 12, no call, no explanation, when I call I am told the new completion date is July 15. Refuse to provide a rental car.
- On July 15, no call, no explanation, when I call I am told the completion date now July 26
- On July 26, no call, no explanation, when I call I am told the completion date now July 29
- Front line person and adjuster have no idea what is causing the delay. Asked to meet with the manager of the shop as the delay is now more than a month! The manager refuses to meet.
- July 29 comes and goes, receive an email indicating the new date is August 4.
- After more escalation, they finally provided a rental car on Aug 2.
- Eventually got my car back on August 17.

Total repair time: 76 days. No explanation was ever provided for the delays other than "we found additional damage" but provided no explanation as to what that damage was. Except for the first time I never received any proactive communication about changing completion dates, the dates just drifted by and I had to call to find out what was going on. Zero ownership of the problem by TD Adjuster or Shop Manager until finally, someone on the insurance side took action.

One positive: the repair looks like it was done well - but have only had the car back for one day so will monitor.