TD is terrible, I wish could give zero or negative stars
by Helen on May 22, 2024
1 out of 5 stars
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Been 7 years with TD, never hard one single claim. The day I had one they they denied even before seeing the fact, no one never even asked how I was physically doing. Simply the worse insurance and people. Do not insure with TD
On the 17th of January 2020, I was involved in an accident. I was not at fault. And the at-fault party also uses TD Insurance. This meant I got the opportunity of experiencing TD Insurance from vehicle replacement to accident benefits to a body injury settlement. The staff were extremely excellent and fair. I got excellent amount for my car and I was able to buy a far better car with the funds given to me by TD Insurance. I enjoyed massages (physiotherapy) and psychotherapy sessions based on accident benefits. All the staff explained the entire process to me. The lady (adjuster) for the accident benefit was so kind and helped me through the shock of the Coronavirus period. I got constant checkup calls from the adjuster for the settlement. I got frequent letters from TD Insurance informing of changes in the process. This staff work across Canada and yet it feels as though live beside each other. You can feel the oneness of purpose and unity and service excellence from all of them. I am grateful and I am happy to be insured by TD Insurance. I was so encouraged that I improved my insurance policy to two insurance. The settlement was great. I highly strongly recommend TD Insurance. They are stable safe and secure. You are simply the BEST.
We have been loyal TD Meloche Monnex customers for over 25 years with zero accidents or auto claims. We never needed to use our insurance coverage until we were rear ended through no fault of our own on 3/20/2024. The way our claim was handled by TD Insurance was unethical and extremely frustrating. Our main complaints are:
- TOTAL LOSS - TD declared the vehicle a complete loss on 3/27 based on an estimate that was only 62% of the value of comparable replacement vehicles. I had to spend countless hours to convince them that they needed to re-assess this. Eventually, they did a vehicle tear down and found the extent of damages was supposedly equivalent to 100% of the value of comparable replacement vehicles and declared it a complete loss again on 4/15.
- LOW BALLING - We received completely bogus valuations on 4/2, 4/4, 4/8 and 4/10. Finally, we received a valuation on 4/17 which was 95% the value of comparable replacement vehicles and was an increase of $4600 or 20% higher than their first valuation. We finally agreed with this value so we could move forward with the settlement.
- RENTAL CAR SHENANIGANS - On 3/20, TD told us we didn't qualify for a rental car because we had removed the Grand Touring solution from our policy a few months prior. Because it was a no-fault accident, we did qualify for a rental car. Still, TD tried to tell me it would be up to 2 years to determine who was at fault because the accident occurred in BC while we were insured in AB. The RCMP declared it not our fault the same day, 3/20. It still took TD 3 days of calls before they arranged the rental car for us. Then they kept trying to take the rental car away with each bogus settlement they offered. I'm still fighting with them to reimburse me for rental car expenses from 4/17 to 4/22 more than 2 months after the accident.
- FEAR TACTICS - My son was driving the car when we were rear ended, and TD tried to insinuate repeatedly that we weren't covered at all because he wasn't on the policy. This is untrue, as he had a learner's permit and was covered through our insurance until he receives his Class 5 license.
The only positive was that they handled our medical claim fairly, and we received good medical coverage for 3 months after the accident.
RECOMMENDATION: Never accept the first few offers from your insurance company as they will always low ball you. Spend the time to research what the car and upgrades are really worth (depreciated) so that you can get a fair amount. Don't let them bully and scare you.