Cooperators Auto Insurance Reviews

I already had insurance with them and i decided to switch my car. I called them and I got a quote on Tuesday without giving them the description of the vehicle just by giving them the VIN number which they can have the full access of the vehicle. I call them on Friday to email me the insurance paper and I'm not been able to pick up my vehicle without insurance they told me that they had a quote by the description of the car, not by VIN number which is absolutely ridiculous cause they already emailed me the full quote with the VIN number. When I told them I can give the VIN now and get a new quote they said that are are not allowed to give a quote with a VIN number and gave me a customer service number which they gave me some random wrong number. I can't wait to pay the cancelation fee and move to another insurance. The customer service is very poor.

Prepare for a shock if you have an accident 100% not your fault and would you like to collect any benefits. I was rear-ended in April 2016 and suffered among other things a brain injury. Constant dizziness, nausea, slurred speech and so on. I tried to go back to work 2 months later but only ended up in ER again. Lost my driver's licence. Lost totally my night vision. So far not a penny in income replacement benefits, refused to pay for physio but spent already about $13,000 on their own doctors trying to prove that I am fine. First doctor, a neurologist, just invented his own story which was immediately proven false by other medical experts. His reply was that this is not the scope of his expertise. Second doctor excused himself again saying this is not his job. Third advised them that this is not a minor injury. More doctors coming. They disregard any OCF3 from my attending health professionals. When I approached their ombudsman, it was a total joke. Run as fast as you can from this company. They can teach organized crime a thing or two.

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 .

I had a car accident almost a year ago. My injury prevents me to work, my driver's licence is suspended and years this company is denying me any benefits. As a result of the accident, I am absolutely broke.

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

I had a claim where no one knew what happened in a parking lot, no police involvement. I got a call a month later from Cooperators saying some guy accused of hitting his can when I didn't. Since no one knew, it went 50/50 but the other guy got off scott-free b/c he claimed 0% first even though he's 50% responsible. The customer service stinks, my claims adjuster just kept accusing me with no proof. The appraiser said I couldn't have caused the accident but b/c Cooperators needed to accuse someone, I was the person. Any joe blow in a parking lot can write down your plate number and call insurance and accuse you and if you with Cooperators, they will make you liable. THEY ARE CROOKS! Bad for business.

Hello. This is a quick summary of my experience: they are liars, incompetent, they dodge responsibility aka "pass the buck," overcharge, are undertrained, and they mislead. Here are the details: I boycott Cooperators, and tell everyone I know not to use this company. I shudder every time I see the name. They do not need any more customers until they can fix their fundamental issues. I signed up using a preferred rate through college as an alumnus. All of a sudden, my policy got changed without my authorization about a year later, so I called to inquire. I was told they no longer support the school alumni... then I was told Cooperators never supported that particular college alumni. I asked how is that possible when I had signed up my policy because of that? I was then threatened to be "charged back" the difference over the length of time I was "saving" money under the "wrong" policy!! It was constant phone tag, misinformation, and promises of calls back which never happened in my attempt to resolve this. In the meantime, I was looking for another company to switch to, and someone supportive and understanding was able to keep me with Cooperators, in spite of being overcharged. It was not worth any more of my personal time to be calling and calling to get someone to resolve my original issue. AND on top of that, I inquired what the 13D glass endorsement entails. The lady nonchalantly tells me it covers all the glass on my car, which is 100% incorrect (see part 2 below). These people need to be trained better. I am willing to bet there are many, possibly hundreds or thousands of their customers under incorrect coverage. So part 2. Around March/April 2016, I inquired on what "13D limited glass coverage" entails, as it appeared on my policy. I was informed it included glass but no windshield coverage. I specifically asked if rocks through glass, other than through windshield, were included. I was told yes. I asked if I had this coverage on my plan, I was told yes. This made sense to me, as from my VIN, it should show I have a moonroof, and that coverage would be beneficial to me from the start. A friend of mine had a rock through her glass during springtime and claimed through insurance. I wanted to ensure I had the same coverage in case it happened to me. Sure enough, months later, it did. Now I call to make a claim, and I'm informed I do not have this coverage. They mentioned that it's "rare" that people opt for glass coverage... I find that hard to believe that a moonroof on a car is "rare." I was informed that comprehensive claims for glass are covered if it was in the act of theft, weather, or vandalism. If I had have known this prior, and that my roof glass would NOT be covered because of a rock, I could have lied and said it was vandalism/a falling tree branch/some kid/etc. I chose to be HONEST and I got screwed over, due to their incompetence setting up my policy and wrongly answering my questions. I had them pull my recorded call history to verify what was said in the previous calls. Of course, they claimed that they had done no wrong and now I'm on the hook for repairs ($1500 for the new part, plus labor). I asked to hear my own calls. They tell me I need a lawyer for that!! Absolutely absurd. A supervisor tells me I was supposed to pay a certain amount more every month to have this glass coverage, so I offered to pay the difference over the months I've had the plan, plus the deductible to fix the glass. I thought it was a fair deal considering how I was treated up to this point. Nope, they refused. Wouldn't budge at all. I cancelled with them as soon as I could. I paid these people for over a year, had this terrible experience. They need to be set straight or put out of business. An absolute disgrace.

I had been with Co-operators since I was 18, twenty years later I move and ask to cancel my home insurance, it was agreed but apparently not noted in the call centre. I called back a couple months later when I realized payments had not stopped. Not only was I not offered my payments back I was penalized for cancelling the insurance after the said date. I argued that I had already cancelled and customer service did not oblige. I am normally very patient and loyal but I will be switching insurance companies. This does not please me by any means.

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.