TD Insurance Auto Insurance Reviews

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.

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.

You are their valuable customer unless you have a claim. Then, they become your enemy.
I had two not-at-fault accidents (got full coverage), and they made my life crazy messy. Not a good scope for rental! This means there is no rental coverage in your critical moments! You have to find a mechanic shop yourself! Then, when you find one, they change their mind to not repairable. Immediately, you have to return the rental and wait a century for them to give you a cheap valuation. They send you an email at 3:59 PM, And when you reply, they will answer you NEXT WEEK with new requests! Please do not waste your tile, life, and money there!

They take you out of your rental then string you along for a month with no follow-up, no returned calls, no returned emails, then they won't even negotiate from their significantly low ball offer!!!
DO NOT USE TD AUTO INSURANCE!!

I am a TD client since 2013, recently my honda van got damaged in a recent hail in Calgary, Alberta. I filed the claim the next day, the advisor informed my car was a total loss, he was not too good with communication for a couple of weeks and then... he disappeared, for 2 months! I was calling their different numbers, sent hundreds of emails but got nothing for almost 60 days! I was only provided rental for only 1 week in this 2.5 months period of "no car". Eventually, someone got back to me to help and offered me $8500 for the van I bought in 2017 for $22,000! This vehicle was financed and I still have to pay $11,000 to the financial institution for this van. They aren't even giving any chance of negotiation. This is brutal and broke all my confidence in TD insurance... A big company with pathetic customer service.

On June 13th we purchased a new 2020 Denali XL. While driving to the registry from the dealership we were hit by the hail storm and the vehicle was destroyed. Hail went through the roof, broke every panel on the vehicle and the windows were shattered. After filing a claim with TD Insurance the vehicle sat at the dealership for almost a month waiting to be towed to an adjuster. A month into the claim and the vehicle is still sitting at a scrap yard with no plan of how to move forward, all while we are paying for a rental. Our adjuster won’t return calls or emails. I would caution anyone to choose TD insurance. We choose TD because of the professional/alumni incentives, but no amount of savings will ever recover the cost of this experience.

I had a claim for my new truck. It got hit while parked and was totalled. TD did not want to replace the vehicle (even though we paid an extra premium) and forced us to repair it. Repairs took several months and happened to be completed during the peak of the COVID 19 pandemic. Instead of waiting for the situation to get better they decided to cancel the payment extension of our rental and gave us a day to coordinate pick up and drop off of our car and car rental. They had no consideration for us nor the current situation affecting the entire world - not even exceptional circumstances could get TD to implement some decent customer service. So sad.

Absolutely terrible experience with TD Insurance. I filed a claim for severe damage to my bumper and undercarriage of the car. I was driving down a dark road late at night (no streetlights) and as another car was about to pass me going the opposite direction. Just as the car passed I was struck by a moving object. I know with 100% certainty that it was a moving object as I saw something moving out of the corner of my eye just before the impact was made. I assumed it was an animal since we do have a lot of incidents like that on that particular road. TD insurance lied to me throughout the process, first telling me that the adjuster would likely be there to take pictures the next day. It ended up taking 4 days. During that time I was stuck paying for a rental car. TD insurance called me on the 4th day after the claim was reported to tell me that they were changing the comprehensive claim to an at-fault accident and claimed I hit a pothole or chunk of ice in the middle of the road. As I mentioned before, this was not possible as I could see in front of me the whole time and whatever hit my car was moving. A pothole would not cause front bumper damage and a piece of ice wouldn’t cause severe damage to the undercarriage of the car. On top of that, the bumper was damaged at the corner of the car providing that whatever struck my car was moving into the path of my car. Additionally, TD insurance tried to quote the claim based on used parts from a scrapyard. I will be cancelling me and my wife’s home and auto insurance immediately and we will never do any business whatsoever with TD as a whole. This company has no integrity and will try to screw you out of any money they can.

Here was the course of events: 1) Truck received minor fender bender (other persons fault) 2) Took it to TD insurance and was told that not only would the other party cover everything but that they would also cover a rental car while the truck is being fixed. I was given a date to bring the truck back (after parts had been delivered) 3) Brought truck back, was told upon arrival that the parts were not there and that I would have to bring my truck back later. They said they had left a message telling me that the day before. Checked phone, no missed calls, no message. 4) Brought truck back in. This time parts were present, but then they told me that I no longer had a rental car covered. This time I came with my 8-month pregnant wife. I told them that they told me this would be covered on my first visit. They checked in their system and this was written down that they told me this on my initial visit (proof...I call it). But they said "sorry" and that this had changed, and that TD was no longer able to give me a rental car. I was angry, obviously - said some things I don't regret. 6) I went home, again. 6) Then I called the manager, who sorted out the situation the next day. I came back the next day and received a rental car. So, what do we do with all of this? Let's go through the issues: I was told I was going to get a rental car, then they didn't deliver. They said "sorry", but not sorry enough to fix the problem they caused...

If there was an option to give TD auto Insurance 0 stars, I would have chosen to do so as I honestly believe that is the best representation of the level of communication, customer service and complete lack of respect for the people who are unlucky enough to have to deal with them. I (thankfully) do not have TD Insurance as my provider but I was T-boned by someone who has TD insurance and my truck was written off, which means I had to deal with TD to get my vehicle fixed/paid out. The entire process from the very get-go was unbelievably painful and drawn out. It took the adjuster 11 days after the accident to even contact me and advise on what the next steps were (even though I had called and left multiple voicemails and e-mails with the TD adjuster working on my claim, starting the day after the accident). When they did finally contact me, they did not acknowledge or show any sign of being apologetic for the frustration I was feeling with being vehicle-less and unable to contact anyone to advise what was going on - though I explicitly advised I was feeling disgruntled (the auto body shop that I had taken my vehicle to advised after I complained that I had been without a vehicle and had no idea how much longer it would last that TD would cover a rental for me.. which was one of the reasons I had asked for an update from TD in the multiple e-mails and voicemails I had left with the adjuster. Had the autobody shop not advised of this, I have no doubt I would not have gotten into a rental because TD is that incompetent and sneaky and obviously did not want to have to pay to have me drive a rental while their employees took their time to mismanage this case). They provided me with a release form and told me to sign it - but the release form had contradicting payout amounts listed on the form in different locations. I asked for the form to be reviewed and revised before I signed it and asked for a breakdown as to how the payout amount was decided as I had multiple aftermarket upgrades on my vehicle and I wanted to ensure that I was being offered a fair amount based on my specific truck, not just a general base model. Long story short, it took over a month for this issue to be resolved. The adjuster continued to ignore voice mails and phone calls. I even called to escalate this issue to the manner, which was also ignored. After over 3 weeks of asking for the breakdown of how the payout was calculated, I was sent a spec sheet on a base model of my truck that had incorrect information listed (said the truck was grey; it is custom painted matte-black. said the rims were 20", they are aftermarket 18" rims; said the truck had cloth interior, it had leather etc. etc.) with absolutely no dollar amounts listed. When I, once again, asked for the breakdown of the costs, the adjuster advised that there was no such document to be able to provide. I asked if there was no breakdown as to how the number was found, how the appraiser could have come up with the payout amount, which was also ignored. I ended up signing the release without being provided any of the information I requested (the adjuster eventually said that I could submit receipts for all of the aftermarket upgrades to TD and they would review them one by one and take them into consideration for the payout but would not guarantee that the price would be adjusted -- for which I asked how it could be expected for a person to keep all of the receipts for aftermarket parts that had been on the truck for years on the off chance that someone else would total the truck and the insurance company would require them to give an appropriate payout... especially as all of the aftermarket upgrades were still ON the truck and the appraiser would have seen them if they had even looked at the vehicle). I ended up signing the release because the entire claims department was obviously incapable of any sort of organization, communication, honestly or customer service. Clearly, as management also ignored communications, it is the culture in the company in general and not just my misfortune to have to deal with 1 incapable individual. When I signed the release, I had to ask 3 times for upper management contact information, as the original manager I had contacted was also clearly just as incapable or unconcerned with mishandled clients. The adjuster replied that he couldn't provide me with management information but that someone would contact me... The manager with whom I had already tried to contact ended up phoning me, even though I explicitly advised that I needed to speak with her manager because part of the issue was with her specifically and that their bosses need to be aware that there are concerns not just with the adjusters, but in their management as well. Overall, the worst customer service I have ever encountered with both employees and management. I have worked in customer service for over 15 years and have never dealt with such unprofessionalism and lack of regard. I will refuse to deal with them ever again and hope that this review will help others avoid getting involved with one of the worst ran and managed companies I've ever experienced. The accident was November 16 and it is currently December 19... and was told to expect my cheque the week of Christmas (which I am imagining will not happen. That cheque should have been couriered directly to me) - so it has been over a month and I am still without reimbursement. Avoid this company at all costs.