Cooperators Auto Insurance Reviews

This is absolutely the worst insurance company I ever had the nightmare of working with. I was rear-ended and because I was in an area that is "no-fault", I had to go through co-operators. I then found out that the person who hit me was not insured. Needless to say, Co-operators did everything in their power to ensure that they made this process a massive headache for me. They were attempting to figure out a way to say that I was no longer insured under them when I had my accident even though I had paid my bill 2 weeks before and then again twice after the accident before this came about. They attempted that until I got a lawyer involved. Additionally, I had multiple different agents calling me asking me the same questions and it seemed like they were each trying to get a different answer out of me ...which was impossible since there was only 1 correct answer. I then had to refer them exclusively to my lawyer because of their harassment.
In all, there are many more details and caution stories to go along with this but please save the time and effort and go with someone else even if they will cost you a little more because the costs that I had to swallow to have them stop harassing me was definitely more than the few dollars I saved from choosing a more experienced, polite, and reputable company.

I have an open claim with my auto insurance and it has been 34 days now and I am still no closer to an answer on this! My adjuster straight out lied to me about what the detective on the case said in order to hold the claim off! Cooperators still owes me $90 for a mistake on their end for not entering information correctly but everytime I ask it's going to be handled right away! I have escalated the complaint to a claims manager and am looking into escalating it higher again. I have been in a rental this entire time which they state they will only be covering $1200 worth of even tho it is their fault this is dragging on. I have already been in contact with a lawyer and all that but this is absolutely crazy considering the high rates I pay for my insurance!! Very unacceptable! I am seriously considering contacting local media to do a buyer beware story about this company!

Please let it be known that I was wrongly accused by Cooperators insurance company. They do not work for you. If you have a claim with them be prepared to be in not there favour. A very unworthy insurance company, not recommended

Zero percent at fault and treated like I was responsible. Claims dept did an awful job investigating this accident. I have dealt with other insurance companies claims depts before and this was, by far, the absolute worst. Will be leaving them ASAP, even if I have to pay double somewhere else.

My first couple years with this company were ok but this past year has been awful! Added home insurance which I was told would give 20% discount to auto, instead my auto jumped $13/mo plus my home insurance. Called to get this fixed and was told the guy who was supposed to enter the info was gone and didn't do it! Glad I noticed something was wrong! Then some punk lights our car on fire in front of our house while we are asleep inside. I call the next day and a lady at Cooperators sets us up in a rental and everything til we are assigned an adjuster Monday. Adjuster is a very unhappy sounding person who you can tell doesn't want to deal with this. I give her the police report number and everything. She calls back and leaves a message that they are not confirming coverage because the police are investigating because it is suspicious (well duh it should be cars don't randomly catch fire at 4am!)! Then says we informed Enterprise you are responsible to pay the rental and go have the car towed to you or salvage and your responsible for towing and storage fees. Oh but whenever the investigation is done if you have the receipts we will pay for some of it! Can not wait for this to be over so I can switch companies!!!

I was involved in an accident back in August 2019. Where there insured openly admitted he was distracted and he had no valid insurance card on him filed an injury claim and was forced to deal with an adjuster with a bad attitude. He wanted medical records from the previous Doctor I had for 30 years, plus my new doctor and from Physio. I didn't authorize him to contact my old Dr. And only authorized information of the accident. My previous medical history has no bearing on this accident. I was offered a minimal amount. It was insulting. Stating to me that this is what the max. Would be for me based on the records they had. This accident has changed the way I drive. I have major anxiety in certain driving situations and I limit my driving to go where I need to then home. The adjuster was not sympathetic, he showed no empathy. Almost like he didn't believe and because anxiety isn't a medical condition in his mind and his managers, I'm not worth more. If the police had been called, their driver would have had two major tickets, distracted driving and driving without a valid insurance card. My car was sent for salvage and had to be towed back to the city from a small town where the accident happened. I have and still am being treated very poorly by this adjuster and this Company. I have never filed an injure before. This adjuster sat in my home and recorded my conversations with him. Where I stated I could still see the truck coming right for my vehicle and if I hadn't honked he would have driven his truck right over the top of me. Even with the honking, he took out my whole driver's side. I wish I would have called the police. I tried to be nice. It is horrible that in this day and age, anxiety etc. caused by this accident isn't considered to be a medical issue.

The service is slow and poor, it is been more than 50 days and I am still waiting for my claim to be released. The adjuster never picks up your call, and will not even give you a call back even if you ask via email or via co-operators customer support. I would suggest to never go for co-operators in your entire life, I was new here in Canada so I got stuck with them. The customer service has no control and they are the only one who is there and listen to your frustration.

I was the last car in a 3 chain rear end. The horrible adjuster didn't investigate. I had no claim but they raised my rates 100 percent. They claim there is nothing they can do about no-fault determination rules and they stuff you into a scenario from the 1990 policy that doesn't take into account modern technology, fraud, distracted driving by the first or second drivers that had already collided suddenly with no opportunity for me to react to an unforeseen event. They lie. Stay away.

Such a bad company! Not recommended for anyone, they don’t do their job properly and people fool them and get money. I had an accident and it wasn’t my fault but they are unprofessional enough and so cheap to investigate and do their job.

First off I insure 8 vehicles trailers and motorhome and I have been insured with them for almost 10 years. 37 years accident-free zero at-fault claims. I get into an accident 1 time when it's not, even remotely, anything I could do to stop it from happening. On a highway (only 2 lanes) guy stops on a blind corner in an 80km zone and they deem me 100 percent at fault. No police come, so, no file, no record and now they raise my rates through the roof! The motorhome was 500.00 approximately a year to insure now 7,000.00 a year can you say TOTAL RIPOFF! Insurance companies in Canada should be shut down or the government needs to step in and do something about these crooks! If you have insurance isn't this what it is for!