Cooperators Auto Insurance Reviews

I’ve had two claims (still ongoing) where both have been deemed not-at-fault yet BOTH adjusters have treated me like a burden like I’m irrelevant and have not even done the bare minimum to get my claim resolved what’s best for the client. The 3rd party is responsible for the damages yet the Cooperators adjusters act as tho it is coming from their own pockets. I highly recommend avoiding them at all costs, they do not even support you or treat you with an ounce of respect when you are not at fault, I couldn’t imagine the ordeal you would be subjected to if you are at fault for an accident. I’ve been with them for 4 years and once these claims are resolved I will be immediately moving on. I wouldn’t even give 1 star.

I sued Cooperators Insurance after they refused to pay my claim to replace my car $14,000 and for medical expenses. Sent me to their doctors (4) who will say there is nothing wrong. I had to leave Canada to pay out of pocket for multiple spine surgeries. It was worth it. I can walk again. I was not at fault but was the driver only passenger in the car (ICE) on the way to work. You only have 10 days to serve the city responsible or you are no longer allowed to sue. In lawsuit number 7 now and this is back in 2011. Car Insurers only pay for 2 years and only 70% of your earnings. The medical system in Ontario is a joke 48 doctors and no help except pain management. You are only entitled to $25,000 in medical expenses by law which they will not pay unless you sue. I had to wait 3 years to get disability from the federal government I had to sue them too and you have to reapply every 10 years. Yes you win in the end but you will lose everything trying. If you are in a car accident your fault or not and can no longer work in Ontario your life is over. Your only saving grace is to get your own disability insurance to age 65 you will have to sue to get it and a large life insurance policy. Take care of yourself no one else cares. The car insurers only pay $25,000 in funeral expenses. This will not even buy a burial plot anymore. If the insurer writes off your car and says its only worth $2,000 and you still have a large loan on the car tell them to repair it that is the only right you have left unless they took that away too.

Crossing the road to enter the hotel parking lot, the road was clear, no traffic in site, as I was entering the parking lot out of nowhere a white car appeared and hit me in the rear passenger side rear wheel, obviously, the driver was distracted, yet insurance company sided with the distracted driver and accused me at being at fault, unbelievable.

Had a claim where I was hit in the passenger side rear wheel by a distracted driver while entering the hotel parking lot, you will never believe who they put at fault. Cooperators service advisors who handled this claim cost the company and I think they should have been fired for their stupidity.

The initial people who answered the phone did not do their job. They just transferred me from one person to another, so I was never able to provide full information about the accident. Even though the other person admitted fault, Cooperators said that I was at fault. Apparently, when an accident takes place in a mall parking lot the damage claim is split 50-50. However, if one of the parties was backing up, that party is considered at fault. Cooperators never even contacted the other party, although I provided their contact information. The worst experience I've ever had. DO NOT EVER BUY INSURANCE FROM THEM.

The Cooperators are not there for you, they back down from other insurance companies eg. I had an incident and Cooperators did not back me even though I wasn’t at fault and another insurance company got away with accusing me of being at fault because their client was at fault because she was a distracted driver. Do not trust Cooperators, go to a more reliable insurance company, someone who would back the truth.

I was entering my hotel parking lot and was hit on the passenger side rear wheel by a distracted driver and Cooperators accused me of being at fault, what kind of insurance company is this? I’ve been with them for about 20 years and this is how they treat you...

I was t-boned in the rear by a distracted driver well entering a hotel parking lot, and cooperators accused me of being at fault.

Worst experience ever! They don’t pay for the repair even if you are not at fault! Worst adjusters not even deserving 1 star!