TD Insurance Auto Insurance Reviews

A woman hit my car. It was deemed her fault. TD is her insurance company but they will not talk to my insurance company. They are unprofessional and a terrible business. Now I have to cover my $500.00 deductible. Stay away from them like the plague.

My husband got into an auto accident which was not his fault and now they don’t wanna help us with coverage. They kept increasing his premium every year. Can’t give us rental nor give us any idea how much compensation we deserve. They think it will most likely be a write off.
Claiming they’re still reviewing case. Bunch of crooks. Thank you TD, we’re not dealing with you guys anymore, and we will make sure no one else will. Hope you can sleep at night knowing you steal from people and refuse them help. Province of Ontario really need to investigate this company and companies like them.

All these years I was mistakenly thinking this was one of the best insurances and always was wondering you they receive such negative feedback.
Now I completely understand and you will understand once you have a claim with them (Hopefully you will never have one) especially when you are completely at no fault and they will try to reduce the cost as much as possible of the other insurance company at this time only you will start the feel of frustration.
I will try to do my best to reach out to all of these people and friends whom I referred to use TD insurance and would say sorry please don't.
You start to feel very bad when your adjuster notify you that even you have 5 years replacement cost we can't declare it total loss as the replacement cost will cost the insurance more than the actual value of the car even if the customer who at no fault would lose the trade-in value of his car so this 5 years replacement cost actually works against insurance holder as insurance always will go to repair option to save and work on their best interest or other insurance best interest at the end the consumer who will get punished.
Even I told them I already had a signed trade in a week before the accident with deposit paid and the dealer would refuse to take it, but TD wouldn't understand that. No choice - other than the legal case which is time-wasting for everyone that is exactly how no-fault people can feel.
Please always consider many criteria before you decide about your new insurance company it's not only the premium.

Due to vehicle shortage, TD and the appraiser purposely decided on the "total loss" of my car.
The value of the car also is being lowballed and there is no chance to negotiate. TD has set up the situation with two bad options for me to choose from:
1) Sell the car for cheap. They will not re-evaluate the value of the car when asked!
2) Keep your broken car with a "salvage" title. You pay for the repair and costly process to re-brand the car from "salvage" to "rebuilt".
TD claim manager, Giselle Z. said: "TD has the right to determine if we will repair or offer a settlement". In my case, TD chooses not to repair my car. So which of the two losing options should I choose?
I have been with TD for over 10 years with zero claims. Now for a not-at-fault claim, I must fight just to have TD repair my car.
This is a $5000 case. Imagine what will TD do for a personal injury case?
I have escalated my case to the next level of the TD complaining process.

I had an accident with the police report of 0% responsibility. I spent much time reaching them even when I put the voice mail for the representative. They provided us wrong information regarding the garage where our vehicle was, resulted in many other difficulties and cost for us. Even after there was no contract with them, they deducted our monthly fee! I will definitely change my insurance for my new car.

This is a deeply flawed and incompetent insurance. It is all about bumping up the premium at the slightest opportunity. The adjusters are all in the game. Don't let big name fool you. Any other insurance is light year better. I don't understand how a 100% fault judged by the police and at fault driver's insurance against the reckless driver would suddenly changed to 50/50 by TD insurance overnight. Awarding a 50% at fault against me for nothing is a very clear case of pure injustice for profit at all cost. Worse still didn't get to know until about a year renewal date and outrageous premium. My advice? Look else where if you want to keep your sanity. They will make you pay. My dealings with them comes to an end and will never recommend this bunch of incompetent people parading themselves as professionals.

Our auto claim adjuster was so rude to us even though the accident we have is not our fault! She keeps on repeating: you don't have collision coverage! Yes, we know that but the thing is I know the policy procedure the one who hit us our car is the one to be liable for our damage. She is degrading us imagine. We are paying our premium and we are not-at-fault of the accident we had! We are being hit by a trailer truck last Aug 13 and since it is the fault of that other driver and seen also in the police report the insurance of that third party will be the one liable for our damage. Seriously this adjuster doesn't know how to handle things and even her client. I was trying to call her manager for so many times but she is not returning my call.

I had a not-at-fault motor vehicle accident in 2018. I went through 7 adjusters and had to contact the insurance ombudsman to get any action. Then as an apology, they were sending a 50 visa gift card that 3 months later was not received. What a joke! The next year my premiums went up to $150.00, now this year up another 250.00 absurd! When I called to complain about my premium which I was given 24 days renewal notice, again, not acceptable! After being on hold for 2 hours and 24 mins all I kept being told was apologies, for the wait time, and all the insurance companies were going up to mine 15%. I informed the girl that during my 2 hour wait time I had time to get many quotes all less than what I am paying currently! One with a big name was the same as my new premium but insuring both my 4 runners and my husband's Toyota truck with full coverage. She then proceeded to tell me that she can lower my premium by removing full coverage on my vehicle. Seriously? After 35 years + banking with TD and insurance with them for 25+ years, then can take a hike! Avoid them at all costs! No COVID relief either thanks TD for a whole lot of nothing!

They play the waiting game and dodge communications to avoid paying claims! Horrible human beings hired as representatives and "managers" who don't care and seem to be incentivized to rip you off. I had a simple not-at-fault accident and they wasted months of back and forth, switched me to another representative after mine had gone unresponsive for months and now claim the one year is passed and that I will not be paid what I was due. Go anywhere else but here is you want to be "covered"... can't call it coverage if they don't pay!