The Personal Insurance Auto Insurance Reviews

Difficult to deal with
Auto claim from Oct 2017 still not resolved.
I was rear-ended while sitting at a light. Minor damage but they say it is a write-off and want to pay squat. I'm willing to take what they offer and pay the balance to repair it as my vehicle is in A1 shape. No no no, it is a Mexican standoff and now my claims advisor email is no longer valid.
Vehicle sitting not repaired for over 3 months and still paying premiums for nothing.
Cheap rates, just don't ever make a claim

I recently went through a claim experience with The Personal. It was terrible -- frustrating, disappointing, aggravating, time-consuming. None of the claims adjustors could answer my questions, such as who was at fault (I know I wasn't at fault, but TP got it wrong, like everything else they do) and how long I would be covered for a rental car. (I had to get this info from the car rental agency. The Personal only covers $500 for a rental, no matter how long it will take to fix your car, which in my case was a little over a month. TP also doesn't cover collision coverage on a rental car -- the customer has to pay for that.) Not once in four weeks was I able to reach my assigned adjustor by phone -- I kept getting her answering machine. None of my calls were returned. Customer service is non-existent with this company. Even three weeks after the accident (I was hit head-on by a woman who cut a corner) no one at TP had gotten in contact with the other driver's insurance company!

The Personal doesn't let you choose which body shop to use to repair your car. They choose, and they choose the cheapest shop available. (The body shop kept my car outdoors for a month in winter. They didn't even clean off the two feet of snow that collected on it; I had to do that myself.)

I must admit I chose TP auto insurance because it gave me the lowest price quote. Well, this is one of those instances where you get what you pay for. I have since cancelled my policy with them and went with a more reputable company. Any money I did save up front with TP all went out the window as a result of paying for a rental car for three weeks and a large deductible. Judging by the number of negative reviews, atrocious customer service is the norm rather than the exception with this company.

I am adding my observations of The Personal Insurance company for benefits to others. My vehicle was hit early morning and Police woke up us. The vehicle was hit from the back left side and it hit the back of a vehicle parked in front of it. My vehicle bounced back and its front right wheel was on the curb. The impact was very severe. The insurance company took the vehicle and told me that they will get the vehicle repaired. They provided me with a rental vehicle. They told that the vehicle will be fixed within three weeks. It took two months to get the repair done. The cost of repair was more than I bought the vehicle. They handed over the vehicle and after driving within shop parking lot we noticed that the front LCD panel was dark and back camera was not showing up. Asked manager about this. He told he did not touch it. He told he got a check from the dealer and we went there. They found wiring is damaged and that burnt the camera. After that we noticed the right side wheel was making noise, Parking Assistance light is flickering, right passenger door malfunctioning, front side bodywork was poor and some sections were left loose. We started complaining through email and leaving telephone messages for the claim agent but he did not reply until after 19days when they arranged the third party for inspection. They fixed some and the insurance representatives pretended these are wear&tear. My vehicle was fine, nothing was wrong before the accident. Now I have spent around $2000. That is white elephant now for me. I want to let you know never get repairs through insurance dealer. I asked dealer why you handed over safety risk vehicle to me and why you ignored these obvious signs you did observe which we are showing you. He says your insurance did not show the actual picture of this vehicle, so he did not check the complete vehicle. Insurance just told them to check apparent damage and hand over the vehicle. The insurance instead of protecting your rights just drains the money for others.

Worst insurance company. They will increase the premiums without any explanation. My insurance never went down in 10 years and I had no accidents.

My car insurance premium has increased by 20% for year 2018 for royal customer like me, 8 years with them. I had a not-at-fault accident 5 years ago. I was told by someone in the Personal that it was not my fault and no big increase in premium. Since then, my premium has increased around 4% every year, which I considered was a reasonable increase. When I called them to discontinue my insurance, I was told that they put me at fault for the accident and threatened me that other insurance company will ask for high premium.

The adjuster had a complete failure to communicate with me. A claim was made against me. I left voice mail messages advising that there was a false claim and I wanted to give him my statement. He did not return my call and rated the claim against me. I sent a written statement indicating what had happened with my concern that the claimant was putting forward a false claim I heard nothing from the adjuster. I called him once and checked to see if he had received any evidence from the claimant proving the damage that he asserted was caused by me. He said he did not hear anything and if they didn't hear anything they would close the case. I heard nothing again until it was time to renew my insurance and found out the claim was rated against me without providing me with any evidence or communication with me at all. There clearly is a profit incentive to do as little work as possible and rate a claim against people because it increases premiums.

This company has no loyalty to their customers ! i wouldn't suggest any one to have any kinda policies with them