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!

I was not contacted or advised regarding my claim, when I had an accident and only found out that the claim had been paid I phoned to see what the state of the claim was.

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.

Please let it be known that I was wrongly accused by Cooperators insurance company. They do not work for you. If you have a claim with them be prepared to be in not there favour. A very unworthy insurance company, not recommended

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.

Highway robbery -my 23 year son bought his own car and got a competitor quote for $2500 LESS per year on his vehicle. Now they are giving us a hassle about taking him off our policy because he still lives at home. HE HAS HIS OWN POLICY! We have been insured with cooperators since 1982. Absolutely no customer loyalty. Renewal time next month.. Buh bye!

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.

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!!!