The Personal Insurance Auto Insurance Reviews

I had an accident and totalled my car. Estimate deemed the car is a total loss. An initial agent took down claim information was good and helpful. Once the claim was assigned to the claim agent, this is where the communication breaks down. My coverage includes car rental, so I had it for a week and I did not hear any word from claim agent, so I thought I'll call and check to see when I can expect the result but could not get a hold of agent, so I left her 3 voicemails three days in a row, no callback. Weekend went by, called her back to check again, still could not get a hold of her, asked for help with another agent, which she told me, she will put comments on the claim to have my claim agent call me. A couple of days went by, still no phone call. Really frustrated, it seems they don't really care. It would be nice to call and tell your client what to expect and how much it would take....once the renewal comes, I'm done with this insurance company. Hope this helps those people that want to buy insurance from this company....stay away... unless you have the patience to wait.

Very unprofessional staff... my car got hit and run by someone in the parking lot. I called the company for a claim... an agent working on my claim is very unprofessional or you can say lacks knowledge or lazy (doesn't want to work). I don't know what's wrong with her .. very rude and ignores my emails like that was my fault. I asked them if I could change the advisor, they said no. I asked if I could talk to the manager, they said no. Like seriously? They're just ignoring me. Even they don't have to pay for anything because I've already provided them with the info about the driver who hit my car in the parking lot and drove away. That's a hit and run case and police already caught that guy... first and worst experience ... total waste of money if you're getting insurance from this company.

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 personal is very stingy on providing/covering accident benefits even when you are not at fault or not charged in the accident. It has taken more than 8 months to pay out some of their accident benefit obligations. They are very slow to return phone calls and their adjusters avoid your questions or phone calls. They are terrible to deal with. Run to your next insurer.

I was in a not at fault auto accident. Over a two month period my adjustor only called me twice, once speaking to me and once leaving a voicemail. All of my other interactions were with various agents and finally my adjustors supervisor. She told me my car was being repaired, when the shop hadn't even ordered parts. Once the deadline of repair quoted passed I called the shop myself and they told me they had not begun nor heard from my adjustor. I then had to arrange for the repairs myself.

It took almost two months for the at fault party to be declared at fault despite them being charged by the officer on scene for proceeding unsafely. They only declared them at fault after I threatened legal action. It's been 2 months and I still do not have my car back. I have spoken to "managers" and been "escalated" several times only to be told on calling back that these were not managers nor had my case been escalated.

The company told me that I can not cancel my coverage until I have my car back, despite this being after my renewal date for another year comes up. They told me if I cancel that my repairs won't be covered and my physio/health coverage will end. It turns out both of the facts are false.

The Personal insurance seemed like a fairly priced insurance company. The over the phone experience was pleasant when I bought my policy.

When I signed up the representative offered me the depreciated value insurance and wasnt too expensive and so I opted in. When I made a claim the rep was very reassuring since I was pretty shocked over the experience.

When I needed to replace the whole vehicle the company said that I was never eligible for my Depreciated Value Insurance because my vehicle was purchased as a used vehicle that had only 13000 km on it. To qualify it needs to be a brand new vehicle or it needs 12000 km on it. For the difference of 1000 km they were going to disqualify my benefit.

They offered me 16000 for the vehicle when the vehicle had 19500 left to pay for the vehicle. I had to fight not only for the money but also we had the constant fight to get ahold of eachother. After winning my arguement they honoured the Depreciated Value Insurance I purchased and gave me 19000 after deductible of 500 was paid. Which I took before they changed their minds.

After this claim I cancelled the policy but that didnt stop them for starting a new policy without my permission and charging me 400 some a month straight out of my account. I got my money back but seriously after this experience the headaches arent worth it. Im with Belair Direct and have no issues. Save yourself the trouble and pass by this insurance company.

I was involved in an accident, immediately informed the Insurance company, spent 45 minutes to fill out all the questions. The Customer service representative was very nice, after that its almost 3 weeks of my accident and I left 3 or 5 messages every day to my adjuster but she never replied me. I talked to other representatives and they told me that they are unable to discuss my policy because this case is handled by another adjuster.
My advise is not to go with this insurance - its representatives are irresponsible. Please, don't make business with The Personal Insurance.

I had to restart my (expensive) studies and decided to cancel my insurance for 6 months. 2 weeks after the amount was charged directly to my account (about $1300), they sent me a cheque of $478, no explanation. Where has the rest of the money gone???? A bunch of yeaaah but we keep money for this and that, and that... , they won't give it back. If there was a no start possible, that's what I would have gone for.

I am looking for people to file a collective claim because this is clearly a scam. You can contact me at camille.rougeot@gmail.com

I was in an accident on September 8th, t-boned by another car that was accelerating through an intersection. This was my first major accident (obviously not at fault), so I was freaked out and had no idea what I was to do in this situation. The other driver was almost a century old, and was no help at all.

I had a relative call the start the claim for me, because I was taken to the hospital for routine checks. Luckily I had no injuries aside from minor seatbelt injuries. My relative was able to get me a car rental, as my car was considered unsafe to drive. Probably the only really good thing about this ongoing experience.

The first time I had spoken with the company was with an agent the evening of this accident who just needed a statement from me, so I gave the statement and was told I would be contacted within the next 24 hours from an adjuster. The adjuster didn't call for nearly three days. And this is just the beginning. This company is awful to try and get a hold of, no one here seems to understand the concept of time and is incredibly rude and inconsiderate to the people who are technically paying their bills.

Every single time I spoke with my adjuster on the phone, she used a condescending tone, implying that I was too young to handle something like this. She told me that she needed a police report to understand who was at fault, despite the fact that it is clear that it was not my fault. She told me that it would take her weeks to get a police report if she requested it, and sometimes could cost the company a lot of money. So she asked me if I could get the report, however told me that some districts in Ontario charge over $500 for a police report. As she put me on hold to "confirm" that Durham Region was one of these districts that charged this outrageous amount for a police report, I googled it. What came up? Nothing shy of $65 for a full police report, $35 for a shortened and free for the drivers of an accident. When she came back on the phone, she said that she confirmed it was $500 for Durham Region. I just scoffed, and told her no, I can get it for free but I have a very busy schedule and it would need to wait. She was over-enthusiastic about it, so much to the point that it felt ingenuine for me to do this favour for her.

About a week later, I received a call from the collision centre/auto body shop that had my car telling me that the car was a total write off. It was fixable, however it would cost nearly $8,500. The internal computer of the car was damaged and would need to be replaced. He also told me that it was odd that the airbags didn't go off and it was quite obvious that the car had some issues. He advised me to not take anything less than $9000 (high mileage on the car) for a settlement. So, I patiently waited.. and waited.. and waited.. A week later, my adjuster called me back to tell me exactly what the shop had told me on the phone, and offered a settlement which was above what he suggested so together, with the other owner of the car, we took it.

The adjuster told us that we needed to return the rental car by September 27 and take everything out of our old car so that it could be moved. Now, I commute to Toronto from Oshawa, and it's not easy to get there without a car. The other owner of the car went on vacation, and can't have the settlement released until she comes back because the decision to buy a new car is going to be a joint effort. In addition to this, for me to go down to the body shop which already had limited hours was really unrealistic. The adjuster's fake sympathy came back, explaining that she would try to extend the rental, but of course had to remind me that I've had the car since the 8th. My only reply was that it took her so long to get back to me, and that we could have sorted this all out a lot sooner. She didn't tell me that she couldn't extend the rental until the day before it was due back (a week after the call I made asking for an extension). I asked a relative to empty the car for me, as one of the owners was on vacation and I was in between work and school in Toronto everyday. I found out that the car was not emptied as per my request, and received a very angry voicemail from my adjuster who just kept telling me that it should have been done. The call was borderline unprofessional, as I could sense every single urge of the adjuster's discontent with me.

As all of this is going on, I developed whiplash - as it is normal in the circumstance of the accident. My doctor recommended physio, so I booked an appointment and told my adjuster (who again, took a week to get back to me about it). She told me she opened a claim (On September 20th), and said another adjuster from a different department would be in contact with me. She said she couldn't offer me any details, but that this adjuster would be in contact with me soon. It is now September 30th and I have yet to hear back from the adjuster. It's been nearly a month since the accident, and the fact that I can't even get simple coverage for a follow up appointment is outrageous.

The other issue I have - aside from the already terrible communication - is the type of communication. This company seems to love phone calls (perhaps less to trace? I don't know, but it's definitely weird). I have told my adjuster numerous times that I can only be reached by email, yet she still calls and leaves voicemails and then ignores my emails.

Obviously this is still an ongoing dispute, however my advice to anyone that is considering choosing this company don't waste your time. If this accident was any worse, I don't know what I would have done. You never know what's going to happen in an accident, and you're better off with a company that you can trust to do their due diligence.

Don't file a claim with them. They are good taking your money but, good luck when you have a claim.
Suresh M.... thanks for not fixing my car and giving me and my family nothing but a headache. Still stuck with a car that smells like burnt metal and plastic.
Can't wait to switch insurance company when my term expires.