TD Insurance Auto Insurance Reviews

This company is so bad. I got into a car accident and I thought that was bad, but I had another thing coming.
1st of all, when you call TD, they have the WORST automatic system in the world. I got so frustrated... Then, don't expect to get a call back from an adjuster. My adjusters were changed more than 6 times, and I never got a callback. There is 0 CUSTOMER service and all these people do is transfer you from one department to another until someone actually just hangs up the call and you have to call back and go through this automated system again...
I will be cancelling with them at the end of my contract. What a joke!

Terrible untrained service agents, unfriendly, condescending, incompetent. Can’t answer questions, don’t answer the phone, don’t respond to questions, don't return phone calls even when promised. Seem to create delays to prolong claim processing and delay payment. Agents do not seem to have the training, desire or authority to answer questions or to complete claim process. They repeatedly ask for more info, and transfer to another agents. I ultimately was required to speak to 13 different agents to get answers to questions and complete claim process. Agents seem focused on just keep delaying the process. Payout for my write-off vehicle took 7 weeks for incompetent TD agents to process, and was below market value. Despite their promises, the agents and managers showed no interest in 'helping' our situation at all.
UPDATE: We changed all of our insurance to a competitor who is polite, responsive supplier, coverage is better, personal contact is direct to same CSR every call, premiums 25% less than TDInsurance. WIN!

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.

Had a truck stolen in early March, then was found so was ready to go through the claims process but my first adjuster just would never answer my calls or emails as I was trying to be proactive on things. Got given a new adjuster and the same thing just doesn’t do anything for me. It is now almost August. That is over 4 months and my vehicle is still sitting around. The body shop waits for the adjuster's word to do things to it to get it back in my hands but no response. So frustrating. Trying to move forward after an awful thing happens to me but absolutely no help.

We placed a claim in August last year. It's supposed to be 30 days payout I believe. Yet we have not been yet. Leaving our family without any transportation. For several months, even now. However, obtaining a rental was relatively easy. Until it was stolen. Still no reply or assistance on that claim. Following that our truck was then stolen out of the yard, and again. Still not able to cooparate claim. As Still on the first one from August 2021. Absurd

Your company stole thousands of dollars from me by lying about my insurance coverage and then your ombudsman who is supposed to handle issues NEVER contacted me after I asked them to. This has been years now where I have you guys lying to me in every conversation I had. I was told the recording of me asking for I strange was A)never existed since I never called, well I had the phone record proving I did. B)I called but didn't ask about my insurance which was an outright lie because the day I realized I was out of work and could hardly move I called the only two loans I had to make sure I had insurance. C)the call recording was corrupted and couldn't be reviewed. The company cost me thousands of dollars in a time of need when I was hurt and out of work and I will never stop mentioning it because everytime someone says "they will look into it" nothing ever happens. I paid for your services coming out of a bankruptcy and the interest was near 20% and you guys still felt like screwing me over for 6 months insurance coverage because of a mistake made by one of your employees. When I was finally able to walk again I was able to check my paperwork and noticed I had insurance all along. You guys are despicable. I will remember to post and warn others about your company frequently. Go ahead and try and charge me for slander for speaking the truth. Don't bother messaging me to "sort this out" as you have many times in the past and still always "regret to inform me there's nothing you can do" well there's nothing I can do but continue to spread my story.

My claim has been open for two weeks and there has been no progress at all. Even getting the adjuster to communicate with me has been awful.

We will be changing our insurance company as soon as this is all over, and I will never EVER go with TD Insurance again.

Worst customer service I've ever experienced.

Terrible experience, I want to change my company after done with the claim, so slow process, nobody cares.