Car Insurance Reviews
The Personal Insurance Auto Insurance Reviews
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(191 reviews)
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The Personal insurance really sucks. Customer service was totally a disaster. I was assigned an adviser for my auto claim. Never took my call, and I wrote her 7 emails, after more than 1 week, didn't even got a reply. Also, the adviser said because they don't have the other driver's insurance information, they won't give back my deductible. The reality was, I saw the police report, and the other driver 's insurance was very clear. One more thing makes me even more angry, your complaint was useless. They are very disrespectful.
The premium is always up for no reason even if you don't have any claim. If you have a claim, then it's even worse.
If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.
Honestly. Just don't do it. The worst experience I've ever had. Sending the claim online is easy, everything else is an uphill battle that will find you hella broke from paying for everything out of pocket while waiting for this company. They ignored all attempts at contact from the auto body shop, myself, and my chiropractor. After almost a month (yes, 3+ weeks) of trying to get a hold of someone (their claim adjusters don't answer your calls and never return messages), I was told that they didn't have a record of my claim (although I received email confirmation that my claim was received and approved). When I asked for the contact information for the manager and director, they got sketchy and did not want to provide that information to me. It took another lifetime for them to send out an adjuster to the body shop and get me a rental car. I'm still waiting for a call back from the claims adjuster and management... Honestly, do NOT get insurance from this company. Just don't do it. This company doesn't even deserve 1 star. If I could give less than 1, I would.
Do you want to experience an official criminal activity? You got it. Get an insurance with the Personal and try to process a claim. I had 3 consecutive worst experiences. They lie to you. They will never process your claim. Update incorrect records. Not provide you with a rental car. Not send an estimator as promised. Blame you for everything. Long wait times. Repeat the same story to different people when you call... Move out to anyone who can do better as I am doing now...
I've been insured with The Personal for several years now. Originally it was only auto but eventually added home too. My first claim was for my car after it was sideswiped overnight. I filed a report with the police and had to do some legwork on my own to track down the vehicle and driver that was responsible. DO NOT be lazy when you're filing a claim, no one cares about your own money as much as you do. I had a bad rep from the Personal who would not return calls, and after 3 weeks of going back and forth this agent went on vacation and I was lucky enough to speak with one of his colleagues. Within one day of speaking to this new agent, my claim was filed and everything was taken care of. With any business, there are going to be some bad apples and although the first agent was awful, the second one made up for it. I think in general all insurance companies are going to make it difficult for you to get your money back but The Personal did come through for me in this instance. If anyone knows of an insurance company that lets you file a claim easily and works with you instead of against you, please let me know, I'd be grateful. The fact that this got resolved and I got my money back/rental paid and was able to engage with a competent agent (the second one) is enough to give this company a positive review.
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I was happy until there was a claim. I was unlucky to have two back to back incidents and opened my eyes to how big of a scam artists these guys are. They lie, they don't want to pay, constant battle. As soon as these claims are closed, I am switching. Don't fall for their cheap rates.
I was in a no-fault accident in June 2018. During the claims process, I dealt with a very efficient agent at The Personal, who was accessible by text as well as by email and phone. It was initially hard to reach the company via their toll-free line at the time of the accident, admittedly, but in the end, it did no harm. I felt that the claims process went fairly smoothly. They sent my vehicle to be assessed at a local body shop (in Etobicoke) that they trusted, and that body shop was also easy to deal with. They covered my rental vehicle, not for terribly long but without issue, at least. My own vehicle was determined to be a write-off. The value assessed for my vehicle wasn't unreasonable. I received payment in our bank account once I completed my end of things - the agent gave me clear instructions on what I needed to do. This is my recent take on their claims process. Can't comment on the cost of the policy, except to say that it may not be the cheapest.
If you don't want to waste your money, go to a different insurance company. They have poor customer service and worst service. You file a claim they will ignore and won't even bother to defend their own clients. If you're looking for a CHEAP and IRRESPONSIBLE INSURANCE, GO WITH WESTERN DIRECT/THE PERSONAL INSURANCE.
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I was deemed at fault for someone's ice coming off their windshield and hitting mine, causing me to lose control and spin into another vehicle at highway speed. I could have died - and they wrote my vehicle off despite it having less than $5000 of damage. The cheque they gave me was for $13,000. It made absolutely no sense and left me upside down on my auto loan and they refused to give me a single option other than writing it off. I am so angry, I am switching insurance companies.
My beautiful Audi A5 2.0 Quattro was a writeoff after being blindsided by a car doing an illegal left-hand turn right into me, just before Christmas! (Dec 21, 2018). Claims Dept Customer Service was top notch, professional, friendly, helpful, smooth from beginning to end. Reassured me, answered all my questions, provided a rental car, & stepped me thru the process to a quick, generous settlement. They assisted me with new insurance coverage for my next vehicle with friendly ease. Highly recommend this car insurance company to all.