Cooperators Auto Insurance Reviews

Do not use the Co-Operators! My company is in contract with the Co-Operators for a couple of years. They kept changing the policy without letting us aware of it. The coverage for all the Paramedical services such as Chiropractor, Physio, Registered Massage Therapy, Acupuncture etc suppose to be 100% with a maximum of $500/year. But they changed it into 90% without informing us. They are not even making us aware there are maximum $/visit. Our employees are not happy with them and we are not going to use them anymore once our contract is expired!

All they do is collecting money. When I called for a flooded basement they said I am not covered. Called to rent a van from the discount they claimed I am not insured to drive a van. If I die they will say you are not covered.

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.

They didn't pass my claim because I was doing ridesharing at the moment. I had already informed them before one month of the accident that I was doing part-time ridesharing. They seemed fine with that at the moment and when the accident happened, they rejected the claim. I was covered by insurance, which was providing through LYFT, but they only gave me actual cash value as they didn't have OPCF 43 in their policy (car was declared as totalled). The car was brand new and was only used for two month and I had OPCF 43 and rented car policy in my Cooperators policy. They didn't cover me for Class 5 grand, therefore, I didn't get a new car and was in loss of 10 grand after everything because of all the accessories and aftermarket expense. I paid them for OPCF 43(waiver of car depreciation) but they didn't cover me for a penny and now I owe 6 grand to a bank and I got no car in my garage. I was right about everything and they didn't care about the customer who is broke.

I advise anyone to never use this company for anything. I had a car with them and they did have good coverage and got me what I needed for the cheapest I could find to insure my car, which is the only reason they have above zero stars from me. All customer service representatives are undereducated and quite frankly rude. I was hung up on, yelled at, and aggressively spoken to when trying to make my claim. They were unreasonable and when I tried getting a new car, I decided to give them another chance because they were cheap. And they put me through this big unneeded process just to have me transferred 3 times and after talking to one lady for no more than 2 minutes, she said even though my accident was resolved and my court case went in my favour that none of it mattered and they wouldn’t take me on as a client anymore. Terrible. Terrible company. No one use them.

Beware! If you have a physical injury, they will send you for an assessment with a "Doctor" who is not on your side, even though the "spin" is that it is all for your benefit. A "Doctor" I was sent to was a "creature" whose office had reminiscences of Film Noir, backstreet abortionist's "clinic" scenes, or the "mysterious" "Doc", sweating, with eye evasion difficulties, who "testified" in old Perry Mason shows. Beware!

We are 20 year customers of the Cooperators, when they suddenly without prior notification increased the cost of vehicle policies by $500 year. The customer service representatives were misleading and would not tell us upfront about the changes to our policies. Finally I spoke with our account representative, just to be passed on to his "helper", who condescendingly went on to lecture me that "the losses of the few should be shared by many" - in other words, the Company had an increase in claims this year, so they need to up their rates to cover any potential loss to the Company, and to add to that they have so many clients that they were unable to advise them of rate increases - if you do not notice it, they are not going to tell you... Beware, you cannot and should not trust them.

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.

We were rear ended (no fault of ours )by someone with cooperator insurance. I use someone else for insurance. So to start with i have 2 children involved, who's car seats needed to be replaced ( no injures to them thankfully) . warning to all they will not fully replace your car seats they will give you about 50% the cost of new back. At the cost of car seats that was a very expensive cost we had to foot ourselves. Our vehicle was an older vehicle they decided it was not worth repairing . while they did give us a fair settlement on the cost of the vehicle they towed it the next day but it took over a week to get our money after they had said 2-3 days . also would not provide us with a rental vehicle making it nearly impossible for a family of 4 to shop for a new vehicle , my children missed nearly 2 weeks of school, sports and activities as there was no way to get them there . my husband had to taxi or pay to get rides to work . overall they had no interest in helping us and cost us a lot of money for a accident that was not our fault .