Cooperators Auto Insurance Reviews

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!

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!!!

Yemi E Personal Line Claims Representative-Auto Was totally rude, raised her voice and hung up the phone on me. I was upset that I did not receive information and due to it, I was responsible for extra rental car fees. I had an oral surgery, so was unable to attend her call quickly, but as soon as I was able to speak, I called which was in a few days. Anyways, I called to ask for an extension for the car rental so we have time to look for a car or at least when we receive our cheque. She started stating the policy only covers till an offer is made (even if it is not taken). Before telling me that she has already updated it so that it will be covered only up till today, she chose to raise her voice because I said I felt like the company was scamming us. Due to the fact that they stated we have to return the rental car the second an offer was made, which does not make sense whatsoever. If the agent, who was selling the policy, has informed us about this, we would have never signed with them. Basically, they can offer $1 for the total loss amount and we would be responsible for rental, going forward. Asked to speak to supervisor or contact information and she denied providing it or transferring to a supervisor. Then hung up! I do not know what kind of customer service allows someone to hang up on a client because a customer is feeling upset about the unfortunate situation they are in. Totally unprofessional.

I went through an auto collision claim with this unorganized Company. They first said the collision was my fault when there were witnesses saying the other person was speeding! Then they sent me to a car rental agency with a confirmation number that did not even exist with the company, so I was stranded all weekend without a Vehicle because I don’t even Live in an area that has city buses! I finally on my own called Another rental place and did it all myself. They are so rude and Horribly unorganized I don’t recommend using this Company for anything! They lost me immediately after the Claim was dealt with. Hear my warning people, don’t let them Screw you like they did me!

We had an accident with our truck where someone t-boned us. Everything was set up. Truck to be repaired & a rental. Our claim rep told us where to pick up the rental. Well after dropping the truck off at the body shop & going to pick up our rental. The rental company informs us that we can not pick it up due to being under the age of 25. Under standing. But our Rep should have been aware of the guide lines, Try the next rental place in our town & they can not give us a rental due to being on a GDL. (Which our rep didn't even know what a GDL was) She tried a place in the city (1.5hrs away) They need a deposit of $150 paid but us. Not taken care of by insurance. Not to mention it was a small car (We live down a long gravel road in the country, a car will not due)
I was very disappointed in the rep due to not being able to check out with rental company's to see what their policy's were when renting. So because we are still young & haven't been in to the city to get off the GDL we are totally screwed out of a vehicle till ours is down. Not knowing how I will be getting home tonight. & Not like she cared about the situation she left us in either.

Vehicle was involved in a no fault claim as a driver hit the back of our vehicle and pushed it into the truck in front causing the air bags to deploy.

After following up with the insurance company 3 times, Cooperators decided to write the vehicle off. At the time they advised us of the settlement we were told we had to return the rental car that day as the decision had been made. The cheque was to be sent to the agent and would be available in 2-3 days.

Despite explaining the inconvenience and that we had rental car coverage, Cooperators refused and demanded the car returned. Talking to the agent Robert H. was of no use as they never returned calls on how they could resolve this.

If I could give ZERO stars I would Worst insurance company ever!!!! DO NOT go with Cooperators if you get into an accident they will give you the run around for months!!!!!!!!! They will take your rental back within 1 week so you’re left with no car for months!!!!!! They don’t keep you updated if you get into an accident you’re basically on your own. If you’re going with an insurance company go with anyone but Cooperators trust me !!!!!

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 theft from my bank account. The bank, of course, takes a long time to do anything. I live paycheck to paycheck like most. I had 600 dollars go missing from my bank account and the bank can not answer to it. So, the police and the bank were investigating. I advised cooperators that this had happened and they went ahead and took money when it wasn't there. Including their NSF fee. Of course, with my accounts on hold pending an investigation. I couldn't put money in nor take it out. However, they went ahead and attempted with only 3 days notice. 10 calendar days is required by law in Ontario. That being said they wanted more NFS fees as well as I was paying the NFS fee from the bank. So, now one-month premiums ended up being 3 times the price because they did not care enough to see what their customer was living through and forced more issues that needed to be. I had a claim in December. It took 3 weeks to get a rental car. So far I'm without insurance because of reasons beyond my control. After 7 years of being a client... They don't care about the issues that are beyond your control. They expect you to live just like them or your scum. Horrible people to think their benefit should be at the cost of a child not eating.

If you have to deal with these people for any type of claim, make sure you have a lawyer involved. My experience with one of the agents was an absolute disgrace. I've been screwed around on every step of my claim. They cut the rental car off 3 days after their appraiser gave me an estimate on the value of my vehicle (cheque hadn't even arrived yet). They jerked me around on my injury claim. They don't seem to return phone calls. These people aren't there to help you through the process, they're out to nickel and dime you at every step of the way.