Desjardins Insurance Auto Insurance Reviews

After being in a collision that wasn’t my fault (was hit by a drunk driver) they refused to assess the car requested I pay for it and they would return the money if the damage was the cause of the accident. Nobody called back for days, argued with me instead of attempting to communicate professionally. Long story short I have no car!

The person in charge of our claim has been ignored our calls and emails for almost a week, is currently denying our professional assessment and has been lowballing us from the start by searching 4 cylinder cars instead of what ours is (6 with low mileage) over an accident we didn't even cause and had dashcam footage to prove it. We'll be taking it to the news if it doesn't improve.

I was stopped for a school bus in November and a car rear-ended me. Took my truck to the body shop they recommend, I specifically requested they check for frame damage. However, they were too lazy to remove the rear bumper to check the frame. The quote they submitted to Desjardins insurance was approved but some parts were not available. My insurance adjuster was unable from mid-November until January 6. So finally I picked up my untouched truck and took it home. Removed the bumper to find the frame was indeed damaged. The next day took back to the body shop for more pictures, which they reluctantly did. Then I sent my own pictures to insurance. Because parts were not available all they offered was the price of new parts and that’s all. So I took it to another certified body shop that actually looked at the frame damage. They did up a quote to fix everything, however, they still can get some parts. So I did a third quote, frame repair, parts and a fabrication shop to make the parts that were unavailable. Now my adjuster was unreachable for 4 weeks. Finally, they sent an appraiser at the end of March. He said there was rust on my truck so they could replace it with a rusty used bumper. He did actually locate a bumper and hitch 2000 km away in Nova Scotia. I ordered the part and had it shipped. Now I was starting to lose patients with this whole performance so back to the second body shop for a new quote using the used parts. The new quote was $300 more than the original quote, this one included the frame repair. After a week or so the appraiser calls the body shop and basically yelled at them that they charge too much and the quote was too much. The quote was $3,800 to fix it, after this, I got feed up informed the body shop to proceed with the repair and bill me directly. The insurance appraiser sent an offer of $1,400 after another 2 weeks of waiting. They sent a big email patting themselves on the back about coming to a deal. The only problem is it’s off by $2,400. So I stopped contacting the insurance company and started talking to a lawyer. We are almost in May now, so 5 1/2 months and my no-fault accident cost me over $2,400 and I haven’t driven my truck since November. I was with them for about 20 years with no claims, this was my first one. So do not give your business to these crooks. They will try to screw you. They definitely don’t deserve any stars.

I have been with State Farm and now Desjardins for 54 years. They were a pleasure to deal with 3 agents in all that time. The agents are great. Recently, unfortunately, I submitted a claim in January for an accident that was not our fault. A car had just been certified and put on the road a Volkswagen Diesel. I have sent them information on cars going back as far as 2000 and they are more than what Desjardins is offering me. I used the guide from NADA North American Dealers Association. All Desjardins is offering is equivalent to Clean Trade-In Value/ I can not replace my car for this money. Claim Adjuster doesn't even know what an "AS IS" vehicle is compared to a "Certified Vehicle" I would give them a negative value but this app will not let me! Do Not deal with Desjardins they know you when they take your premiums but want nothing to do with you when you submit a claim!