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!

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.

they are a bunch of crooks! I asked for a quote for my husband and they wouldn't insure him. Then they discovered that he wasn't insured on my van and conveniently took money out of my account "because he lives at the same address." He is insured by another company. Needless to say that I am cancelling all my insurance including my home insurance. They are ruthless, aggressive, lack compassion and understanding. I'm looking into the legalities around withdrawing money from my account without my permission. DO NOT GO WITH CO-OPERATORS! If I can give them a zero rating I would.

I called to get an auto & home insurance quote and spoke with a representative there. First, he had trouble hearing me, that we managed to figure out. Then he started to ask questions and I gave him trust answers base on my current family situation but he accused me of not answering truthfully. I asked what he meant by that and he said I didn't give him a true answer. What? I was calling after 1 year to check their prices and my family situation isn't the same as it was a year ago. Why he told me I lied... I asked if I could talk to someone else because he was very rude. I asked for his name too but he hung up on me. I called back and requested to speak with a supervisor or manager to complain about it but switchboard said that's no possible and I only need to speak with the next available representative. I didn't want to end up speaking with the same person again so I choose to write my complaint here. Extremely rude people. I will never call them again. I am a person with an excellent credit history and driving record so I have many other options to choose from. It is not my lost! But it was my insult indeed!

I had a small accident while I was doing delivery for SkipThe Dishes, I didn’t know that I need to inform that I was doing SkipThe Dishes delivery and I even did it for only a few days. I told these people truly that what actually happened. I told them I didn’t know about this because I am a new driver and it’s a 2 months old brand new Hyundai Sonata. They took a statement from 3-4 times and I asked them if it's not covered, please tell me, I will fix it. They didn’t say anything, they were saying we are doing verification, it’s been 28 days, I didn’t get anything and they didn’t pay for a rental. I paid 1000$ for that, and still, my file is pending. Whenever I ask them if they would send, I need these documents and I send right away and again, they take time to reply, this is the worst service I have ever seen.

My wife was in a car accident in 2015. Suffered a massive back injury, can't sit normally in a chair anymore due to pins holding her back together. I had a premium Auto Insurance coverage with over a million in coverage for rehabilitation. Cooperators does not assist at all. You need to constantly fill out forms and get doctors assessments before they provide any financial assistance in making life comfortable. My wife has slept on the couch for 2 years waiting for a custom bed. Every month, "we just need one more form filled out". Simply disgusting how they treat a human. You become nothing more than a case file and an expense. Buyer be warned, Cooperators has little interest in helping, just making a profit.

I had a great experience getting my account set up everything was very easy and they took care of most of it.
Now making my first every claim and it is unbelievable how different the services is. By different I mean bad. The responses take days or weeks. I try over and over to get a hold of them they don't pick up there phone. I will even email stating when I will call and still can't get a hold of the correct person. They owe me money for storage and I have asked at least 5 times about that and every time literally answer all my other questions and ignore that. Now I am currently filing a complaint and even they haven't gotten back to me and it has been almost a week.
Horrible service if they owe you money would not suggest this company to anybody

So I had been with Cooperators for some time and was considered an A-list driver (no previous records etc) and also had my home policy with them. Before I begin, I should also note that I received a call from a sales person about 6 months prior to upsell me on 'extra' accident insurance. The premium was so negligible - like 11$/year or something silly that I went for it. The context of the insurance was in the case of an accident - I would be given extra time and rental insurance. I cannot remember the numbers but it was something to the effect of - typically I would have $500 to cover the cost of a rental, and this upsell would be somewhere in the vicinity of $1200-1500. Easy I thought. Here is where it gets interesting.... fast forward 6 months or so later, and my wife and kids are struck head on by a driver who was texting on a highway. Everyone was ok, but I immediately got a call from an agent reassuring me that I could get a rental immediately and she even noted that I had the 'extra' insurance...yay for me. So we get a van, and while I am awaiting the status of my damaged van - say about 3 days, I start to get phone calls. "Has the adjuster let you know the status of the van?" ....me - "nothing yet" this goes on for 3 more consecutive days, but all the while I think - no big deal... this car is costing $35/day and I am nowhere near that, as I am only a few days in. So, my Math tells me I am not even dipping much farther than $100 of the $1200-$1500 available. By the next week, I got a call again and I began to grow concerned, so I asked what the deal was. The response was that once my damaged van was considered written off I had 24 hours to return the rental, as the company sends a settlement cheque out that day. Wait - 24 HOURS? What? I don't even have a replacement van yet? How does that even make sense? Well, apparently it does to them. Many, many phone calls to supervisors etc. etc. and I finally get to someone who is only interested in telling me the policy...to which I debate that it is impossible for me to drive to work in a cheque that is in the mail. Long story short, I was 'given' a few extra days since there were not even any vehicles to pick from in my region (car lots were out of stock on minivans if you can believe that) I was incensed, and have since taken my home and auto policies elsewhere. Not that many of the others are much better - I just could not stand the way I was treated. Hope you find this useful when making a selection.

My spouse's truck was struck by a flying object in a wind storm. At first they said it was not covered, once I prooved it was, they then said there was no proof of a wind storm, then I prooved that as well. Then they said because there were no other claims that day, they dont believe us. I pointed out that there were a lot of down tress, and broken trampolines, but those people will not claim as not worth it compared to the deductable. They still refused. Not sure why we pay these guys for insurance if they are not going to cover anything.