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Main Street America Group Review

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UPDATED: Nov 30, 2018

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Main Street America Group
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A group of insurance companies offering personal and commercial insurance products, The Main Street America Group aims their products at “main street” businesses and individuals, a term that brings to mind images of small-town America. The group of companies covers most of the nation with agent-driven personal service.

Main Street America Summary

The Main Street America Company traces its roots back to 1923, when the National Grange Mutual Insurance Company was founded in New Hampshire. The company expanded to provide insurance products in 36 states as well as surety bonds in 45 states and the District of Columbia, eventually moving their headquarters to Jacksonville, FL, where it remains today.

The name change to Main Street came about after National Grange change its name to NGM Insurance Company and Main Street holdings Corp was formed. Also under the Main Street American banner are:

  • Old Dominion Insurance Company
  • Austin Mutual Insurance Company
  • Grain Dealers Mutual Insurance Company
  • Great Lakes Casualty Insurance Company
  • Main Street America Assurance Company
  • MSA Insurance Company
  • Spring Valley Mutual Insurance Company
  • Main Street America Protection Insurance Company

Main Street America products are sold through independent agents, which the company states is part of their aim to provide local, personal service.

Insurance Products

Main Street America has a variety of products for both individuals and businesses, covering most of the basics.

Home Insurance

Main Street’s homeowner’s insurance program provides coverage for your home and other structures on the property, personal liability, and personal property. In addition to the basics, they also offer several other options that can be added on to provide additional protection.

  • Homeowner’s Elite – An add-on package with three levels of additional coverage to provide extended protection
  • Revitalized Home Program – Designed for older homes that have been renovated
  • Identity Theft Coverage

Main Street also offers insurance policies for condo owners as well as renter’s insurance for tenants who need personal property and liability coverage. Flood Insurance is also available through the National Flood Insurance Program.

Auto Insurance

There is little detail regarding the Main Street auto insurance program on the company website, aside from listing basic coverage such as Bodily Injury Liability, Property Damage Liability, and Underinsured/ Uninsured Motorist.

The site states that discounts are available but vary by state, however requires you to contact an agent for more detail.

Additional Products

Business Insurance

Business insurance is a major part of Main Street America’s products. They cover a variety of what are known as “main street” businesses, in keeping with the name, such as retail, medical and general offices, restaurants, auto repair shops, and light manufacturing operations.

The Main Line Business Owners Policy is the main package product, which offers a combination of basic coverage options such as business liability and business property coverage. It also includes coverage such as employment practices liability, and can be tailored to fit each industry’s needs.

Additionally, Main Street America writes the following commercial policies:

  • Commercial Auto
  • Commercial Umbrella
  • Surety Bonds
  • Worker’s Compensation
  • Commercial Flood

Main Street America Rates

Main Street America provides quotes only through agents, which means it isn’t possible to do quick online quote comparisons. Since there is little information in terms of discounts, it’s hard to say how much they offer to help reduce rates and offer competitive premiums.

Claims

Main Street recommends that policyholders attempt to contact their agent as a first choice for reporting a claim. They do, however, offer other methods of reporting.

There is a 24-hour claims line where claims can be reported, as well as the option to report a claim online. These three options put Main Street America in line with the most comprehensive of regional insurers in terms of claims reporting options, and ahead of many.

Aside from providing contact information, the website doesn’t offer anything further in terms of claims information. There is no explanation of what to expect or what to do in event of a claim. There is no indication of whether or not they have a preferred repair network or what claims processing times are common. There is also no customer portal that we could locate for policyholders to log in and check on claims status or any other account information.

Consumer Research and Complaints

The Main Street America Group is not Better Business Bureau accredited. As of the time of this review the company had a A+ rating with the BBB. There are only ten complaints against the company, five of which were closed in the past 12 months.

There are a few complaints regarding claims service available online. The few that were found generally centered on a customer disagreeing with the insurance company in terms of fault and what was covered in a claim. The low number of complaints overall for a company of this size is generally encouraging, and the content raises no major concerns.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A
S&P N/A N/A

Bottom Line

Since Main Street America provides limited information regarding their products and no option to obtain an online quote, it’s very hard to determine just how competitive they are, and what value they offer to consumers.

They are worth a look for those in the market for business insurance, but it seems likely that most people will find a better deal on personal insurance elsewhere. Those who wish to work with an agent might find it worthwhile to have a quote with this company run for comparison; certainly there is nothing of concern, but the lack of information makes it difficult to recommend Main Street America overall.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
Review Date
Reviewed
Main Street America Insurance
Author Rating
31star1star1stargraygray

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

40 Comments

  1. I have had MSA Group auto insurance for several years now. I have had nothing but good dealings with them. Each time I have contacted them for anything, the reps on the phone were polite and helped me out immediately getting me the information I needed or finding someone who could. I don’t normally leave comments on these sites but after reading all of these negative reviews I felt I needed to say something. Usually, those who have good experiences don’t leave a review but those who are angry, will. So it needed some balance. I’m not saying everyone who left a negative review was wrong to do so, but I do wonder, if you get into the meat of the matter, how many of them had issues with this company because of things they did wrong or their own shortcomings, or let’s face it, because people stretch the truth a bit?? Anyway, that is my 2 cents worth. I have had a good experience with this company and their rates beat 8 other companies I called with apples to apples comparison.

    Reply
  2. Took this insurance after homeowners policy went through the roof with another company. The quote I was given would be several hundred dollars less so I took the policy along with auto. After my daughter had an accident where someone backed into her I got to see what poor customer service this company offers, nobody answers calls, fail to call back within a day and basically very poor communication with the customer and some very rude conversations when a call does come in. Problems I would need a book to convey. Canceled my policies as the bait and switch
    occurred where they increased the homeowners policy to 100 dollars more than the previous company with much less coverage and went into an escrow account and took the additional monies. Wait till you cancel the policy they do everything in their power to delay refunding you. This is the poorest most unethical insurance company I’ve done business with in 40 years. I’ve washed my hands of them but their negativity still persists till I fight it out for my refunds. They took a payment for auto after the policy was canceled from auto pay with my husband’s bank. This is stone age ways to do business, I guess they never heard of computers. Also drove around several weeks till I got a notice from dept of transportation that my insurance had lapsed. Main Street failed to notify them of the new insurance that set the tone for all the oncoming failures on their part. Stay away from these companies not worth the time or effort they can’t provide service period.

    Reply
    • I have a situation with Main Street America Group too. My suggestion would be to start taking TAKE NAMES and save all the information that you can and FILE a complaint with your State Insurance Commissioner.

      Massachusetts would be here: https://www.mass.gov/file-an-insurance-complaint

      In your complaint, include your own AGENT and go down the line until you report the moron who is given a bonus to DENY claims.

      Insurance companies are out to make MONEY, they do NOT exist to PAY out claims!! They hope that you will be ignorant and not understand your rights and that you will give up or settle for their bullshit because they are a large insurance company.

      They DO NOT CARE… they simply try to get out of paying a VALID claim and have idiots working for them.

      Hopefully, if people stand up for themselves and report these incidents the commissioner will fine them or revoke the insurance companies licenses OR the agents will STOP writing policies using Main Street America Group! REPORT ALL OF THEM!

      Hold them accountable for taking your money BUT NOT paying your claims OR paying you LESS than you should be paid. Why do we even PAY for insurance if when we need it, we are turned down?

      Reply
  3. We subcontract out work and have no employees. We have our COI, General Liability and Worker’s compensation, that we pay. All of the subcontractors have their own General Liability and Worker’s compensation COI. Every year we have an audit and list all of our subcontractor’s and show there COI policies.

    Why does the insurance company need to know our gross revenue?

    Reply
  4. I am in the process of dealing with this nightmare of a claims department. For one thing, they appear to have limited business hours. The days I tried to reach them after 4:00 PM the recording said that the office was closed. There is no overflow option for calls if you are trying to reach them after 4:00 PM. During office hours, it appears that they only way to speak with a live body is to reach the claim rep. If your claim rep is not available, you are out of luck. The claim rep that I had wasn’t very empathetic or knowledgeable. Also, when I had an issue with the rental car due to back ordered parts, no one was helpful whatsoever. There was an issue with the supplement not being handled timely. There was a huge lack of communication on the part of the claim rep. I never received as much as an acknowledgment letter at the beginning of the claim, which is very unusual. I had to involve their management which also wasn’t helpful. I won’t be sticking around with this company.

    Reply
  5. Save yourself the aggravation and stay clear of this customer service lacking scam artist company!

    I’ve been a customer for the past 3 years with The Main Street America Group (MSA) and this company gives ZERO leeway to their customers and will not work with you AT ALL!
    They had me in a pending cancellation, therefore I went into my agent’s office, dropped off a check and my agent called MSA to have it marked as paid as the check was in hand. Just a week later and MSA has not received the check canceling my policy without even giving a courtesy call to the agent to report a possible lost mailed payment giving me a chance to cancel the check and immediately go in with another payment. I am disgusted that I’ve been driving around for a week with no insurance when I dropped off a payment marked with the agent!
    I will be also reporting this to the insurance commissioner, as I see so many other people were burned by this company. Thank God I wasn’t involved in an accident or pulled over for any reason.

    Reply
  6. Reading our policy declarations because of our claim. We have a $500 deductible but paid $1200 our of pocket. Go figure.

    1. The policy does not include any information regarding rental while our vehicle is fixed. There IS a section entitled Rental Vehicle Coverage Endorsement, stuffed in the back of the nearly 100 page declaration. NO, it is not about payment for a rental while our vehicle is being fixed. It is about coverage if you have an accident in a rental vehicle. I’m looking for information about what we have to pay for a rental vehicle while ours is being fixed. Nothing. We paid $581.00 out of pocket for a rental for 3 weeks.

    2. There is a statement in the declarations that you can not sue the company. If they are commit a crime against me, I darned well will sue. I don’t believe their statement is legal. Can I send all my creditors or neighbors or relatives a statement that they do not have the right to sue me? It’s empty words, especially if the company commits a crime against me, or anyone.

    Reply
    • Still awaiting our situation with National Grange/Main Street America to be cleared up. We paid $581.00 out of pocket for rental, Enterprise total was $1300.00/rental. The local agent went over the policy. It states NO DAILY MAXIMUM for a comparable car, to a maximum of $1200.00. We should have paid only $100. Enterprise also said our insurance didn’t cover collision with the rental so we paid $10.00/day for that. Our agent says our policy covers that. Towing was $120.00. They claim they will reimburse. It’s been 2 months. And our $500.00 deductible. The total is about $1200.00 out of pocket, they owe us about $700.00. National Grange is suing the state for the money as it was a road issue. That can take years. Planning to contact New York State Insurance Agency, or whatever it’s called. The car hasn’t been fixed properly yet and has to go in for more repairs. It was a 6-month-old SUV with smart features like auto-braking, impending accident alert, and backup alert. I don’t feel as safe in it as I did.

      Reply
      • We filed on the towing and the car rental issues and received a check for the difference. Still and all, it’s inexcusable to have to spend 3 months arguing with the insurance company to correct company errors. Our rate was low but we immediately switched to a more reputable company. The extra $600/year is worth it if the company covers our claims without arguing or fraud.

        Reply
  7. I have a current claim on file with them with an attorney with a partial damage claim from Nationwide Insurance. The Nationwide adjuster and the attorney both expressed the difficulty in reaching anyone at this insurance company. They are never there or put you on hold like the IRS. Now when reaching them, they claimed they are not there because of “inclement weather.” My accident was in December of last year and I still have not gotten my vehicle repaired.

    Reply
    • We have been reading our policy declaration, about 100 pages, because of our issues with the company. Did you know that the policy states you can not seek legal action against the company? To me, that means they can steal, harass, or do whatever they want and we have no recourse. Just warn your lawyers, in case they don’t know. I don’t think the statement is legal but I’m not a lawyer.

      Reply
    • I have a situation with Main Street America Group too. My suggestion would be to start taking TAKE NAMES and save all the information that you can and FILE a complaint with your State Insurance Commissioner.

      Massachusetts would be here: https://www.mass.gov/file-an-insurance-complaint

      In your complaint, include your own AGENT and go down the line until you report the moron who is given a bonus to DENY claims.

      Insurance companies are out to make MONEY, they do NOT exist to PAY out claims!! They hope that you will be ignorant and not understand your rights and that you will give up or settle for their bullshit because they are a large insurance company.

      They DO NOT CARE… they simply try to get out of paying a VALID claim and have idiots working for them.

      Hopefully, if people stand up for themselves and report these incidents the commissioner will fine them or revoke the insurance companies licenses OR the agents will STOP writing policies using Main Street America Group! REPORT ALL OF THEM!

      Hold them accountable for taking your money BUT NOT paying your claims OR paying you LESS than you should be paid. Why do we even PAY for insurance if when we need it, we are turned down?

      Reply
  8. Appreciate the comment Jayne, I have never dealt with such an unprofessional person in my entire life. I kept my calm and was respectful even though she was not whatsoever. Guess that’s the military in me. I treat everyone with respect and feel the world would be a better place if people didn’t act like she did. I’m not trying to get rich off this claim whatsoever, it’s not even for a lot of money but I was done wrong and feel as though the company that intentionally done me wrong needs to understand that. I have plenty of documentation and wanted to settle at the lowest level possible but unfortunately now we can’t and I will obtain a diminished value estimate, utilize more of my time and effort, pay my attorney, drag their name through reviews like this, file actions against them, take them to court so the claim will unfortunately be more money. I been a soldier in the United States Military for 16 years now. I don’t give up! Thanks again for your comment

    Reply
  9. The worst insurance company that I have ever dealt with! Expect a fight if you need to file a claim. The claims department staff are demeaning and unprofessional. I had to report this company to the Massachusetts insurance commissioner and eventually, after several months, the claim was paid. Stay away from this company and save yourself ALOT of grief!

    Reply
    • I have a situation with Main Street America Group too. My suggestion would be to start taking TAKE NAMES and save all the information that you can and FILE a complaint with your State Insurance Commissioner.

      Massachusetts would be here: https://www.mass.gov/file-an-insurance-complaint

      In your complaint, include your own AGENT and go down the line until you report the moron who is given a bonus to DENY claims.

      Insurance companies are out to make MONEY, they do NOT exist to PAY out claims!! They hope that you will be ignorant and not understand your rights and that you will give up or settle for their bullshit because they are a large insurance company.

      They DO NOT CARE… they simply try to get out of paying a VALID claim and have idiots working for them.

      Hopefully, if people stand up for themselves and report these incidents the commissioner will fine them or revoke the insurance companies licenses OR the agents will STOP writing policies using Main Street America Group! REPORT ALL OF THEM!

      Hold them accountable for taking your money BUT NOT paying your claims OR paying you LESS than you should be paid. Why do we even PAY for insurance if when we need it, we are turned down?

      Reply
  10. I initially filed an MVA investigation against a car lot serviced by Main Street America Group due to not disclosing damages to me upon purchase of a brand new vehicle. The MVA Investigator released the bond and I was directed to Main Street America Group. The woman I spoke to was extremely rude. She even said “DO NOT SPEAK WHILE IM SPEAKING” and one-sided she hung up on me when I tried to explain the situation to her. I will be pursuing this case by other means since they are unable to settle at the lowest level. This is unfortunate because I work hard serving our country as a military member and I was taken advantage of.

    Reply
  11. We’ve had this company about 25 years and they have denied EVERY claim we’ve made. There were only a few claims and were not major (ice fell from house gutter damaging back of the car; a short in the car caused an electrical fire causing minor vehicle damage). We do have glass coverage. A semi on the thruway kicked up a stone and broke our front windshield. They denied coverage. My agent had to take care of it, unnecessary. We are now waiting on a major issue. A piece of expressway tore up the undercarriage of our new, paid for SUV. We are being charged $30/day for the rental even though we have rental coverage. They claim they are covering $40/day – total $70/day for a Nissan Murano. As soon as this is over I’m dumping them. I’ve tried several times, including recently, and my agent talks me into staying with them. Reviews stink, they are not BBB rated and I DO NOT RECOMMEND THIS COMPANY TO ANYONE.

    Reply
  12. I have absolutely no problem with this company. We have made auto & home claims and had no problems. Our insurance person is wonderful and we would (and have) recommended them to anyone.

    Reply
  13. CONSUMER BEWARE!!! Never have we received such horrible service from an insurance company!!!!!

    My husband and I have had a multi-vehicle, home with endorsements, umbrella policy with NGM for the past decade. We both have great driving records, don’t drink and drive, meticulously main our home, have had no claims against our policy (except for two auto accidents which weren’t our fault), have near-perfect credit scores, and have no children of driving age.

    A few years ago my Honda Accord was rear-ended. The insurance company said it would cost too much to repair it, so they deemed it a total loss. They initially gave me an extremely low offer for my vehicle, and I had to fight them for weeks to try to increase the amount. Their initial offer failed to consider the fact that my engine was meticulously maintained, my car had leather heated seats, and other parts that would fetch them a lot of money when they went to resell the parts.

    The amount I ended up getting from them still wasn’t the amount needed to re-purchase the same year, make, and model of the vehicle I had just lost. The accident was not my fault, so I found this very frustrating that I had to fight my own insurance company for fair compensation.

    Very recently, someone ran into the side of my husband’s truck. Again, they offered my husband an extremely low offer to repair the vehicle, even though he received quotes from several auto body establishments for more than double that amount. His truck is only a few years old.

    This accident was in no way my husband’s fault, so we find it quite frustrating that we again have to fight our own insurance company, who will be receiving compensation from the other drivers insurance company, and will not be taking a loss to their own books.

    For those of you with great driving records and homeowner policies, don’t be deceived by the lower offers that NGM will quote you with. Go with another carrier who will actually provide you with great service and support in instances of an accident, especially one that isn’t your fault.

    As soon as my husband’s truck case closes, we will be leaving NGM after 10 years and only two accidents that were not our fault. We have not cost NGM a penny during the last decade, we have only helped bring them revenue.

    Farewell NGM, I hope this review provides you with a real look on your your ideal customers feel when they have to deal with your service, and I hope it convinces you to change your sleazy ways.

    Reply
    • I understand your frustration but have to ask why would you file a not at fault claim through your carrier?
      File it through the other driver’s carrier. It looks better on your driving history reports when seeking a new carrier and it is the responsibility of the carrier for the driver at fault to pay. As an Insurance Agent, I always tell clients no need to file through your carrier and if the other driver hasn’t filed, I help our clients file through the other driver’s carrier. It’s also quicker this way and you have no deductible to pay and wait for reimbursement on.

      Reply
  14. Had MSA since 2003 in a general contracting business. Never filed a claim. Just paid my premium on time for 15 years. Got a letter recently saying they were canceling because my website says that we perform “furniture assembly”. What a joke. In retrospect, I guess it’s better that I find someone else. From research I’ve done, they don’t pay claims anyway if I ever needed it, and then the customer would come back on me. Really just a waste of money.

    Reply
  15. I’m a claimant against them! Woman smashed into a Jeeps rear end in the opposite lane and then came into my lane, I swerved instantly to avoid her but she clipped my trailer. She admitted fault and said “I must have become distracted” so there’s no dispute…THEY JUST DON’T WANT TO PAY! They hired a local adjuster to look at my trailer. I swear to God he was changing shirts in his car from probably a pizza delivery to a claims adjuster shirt!

    We’re talking $1200 total, they are avoiding me like the plague and lying their [redacted] off. First off let me warn you they’re one of those companies with lots of sub-companies. They don’t even want people to know their in Massachusetts. They want you to think they’re out of Florida. Why are they hiding? Probably from angry people.

    I can only imagine if they go to this trouble on a small claim the hell that poor woman in the jeep is going through! I get that this is one of those bargain basement insurance companies that offer low rates…BECAUSE THEY NEVER PAY!

    I’ve called this guy 50 times in 2 weeks and he never picks up the phone, he simply updates the I’m out message weekly. His names [Redacted]. All I wanted was a rental till it’s resolved he says to me “I’m not even sure there’s places that rent trailers” so you know you’re dealing with a pathological. Anyway, I know $1200 doesn’t seem like a lot to you, but I’m on a fixed income and it’s my entire livelihood. I’m going to end up having to sue the insured! So get this a few days ago they sent me a letter, and half of it is threatening me not to lie, like them! We’re talking pond scum.

    So in the meantime, I’m stuck home waiting for your Tuesday [redacted] to end and get my trailer back on the road and figure I might as well blast you on a 1000 social media sites till you scream uncle and pay my measly claim. You have fun Satans Army!

    Reply
    • This insurance company is total trash. My son had an accident and the police report clearly indicated that it was not his fault. It was the other driver’s fault who was insured through MSA. We tried to call everyday for about 2 weeks in order to get the status on our claim. This woman named [Redacted] who seemed like she works out of her home answered my call twice. She insisted that the police report was wrong and that she was sure it was my son’s fault because had my son not been driving at that intersection at that particular time the accident would not have happened. My jaw dropped when I heard that. She hung up on the phone on me without completing the conversation and never answered her phone again. I had to call her from a friends phone which had a caller ID from a different state 2 days later and when she answered the phone she hung up as soon as she recognized it was me calling her to check on the status on my claim. This insurance company is worthless and is a waste of time and probably a fraud. I filed a criminal complaint with the FBI because it seemed to me that they are not meeting their legal obligation to pay claims.

      Reply
  16. I will be switching, they are useless. Denied my claim to my house. I’m very unhappy with them. I wouldn’t recommend it to anyone.

    Reply
    • Was it something that should have been covered? The policy isn’t supposed to cover everything. A good insurance agent is key for situations like this.

      Reply
  17. This company is awful I had lighting strike my Tahoe last summer took this company months to ever get the claim completed. The decided to fix the damages. This was not something I thought was a good idea as having family in car repairs knew more issues would come from this later on. I expressed my Concern with this but the they assured me that if anything came up down the road they would cover it and have it fixed. Now here we are with more issues all computer issues like before and they are refussing to fix the issues unless it’s burn marks in the parts needing replace (it had not burn marks when it first happened but replaced it then) canceling my insurance with this company and will never use them again.

    Reply
  18. Just got a letter 70% increase after 15 years not one claim . For a 1 person business that is not acceptable being treated like this. They are trying to increase their profits for their investors on the backs of small business. Time to get another company.

    Reply
  19. Main street American worst company ever, I’m going through the insurance commissioner now so nobody else would go through what I went through.

    Reply
    • Glen can I ask you to reach out to me about your issues as we are a small business that are having issues as well?

      Reply
  20. By far the worst company I have dealt with. Similar experiences as others my car sat for two weeks before the appraiser went to see it. The claims representative has been so rude doesn’t return emails or calls. Total nightmare. Go somewhere else no one needs to deal with rude people especially when you are paying for a service.

    Reply
  21. I just signed on with them and had problems with that. First it didn’t come with uninsured coverage which is a must have in CT. Then quoted a price for paid in full came in higher. Gave them a check only took half out took them 2 weeks to take the rest. I hope I don’t have any claims.

    Reply
  22. By far the worst insurance company you could possibly have. This is a warning to anyone who is looking for insurance STAY AWAY. Go with anyone else.

    Reply
  23. Took good care of me.

    Reply
  24. By far the worst insurance group ive dealt with. Motorcycle accident on august 1st 2016 not a single person came out until the 5th of the next following month. It’s now october 8th 2016 still no check for the motorcycle which they had told me will be sent out a upon appraising the damages and claiming the bike as totaled. Horrible customer service. I try calling 4-5 times a week and will get an answer every 2 weeks and im given a constant excuse on why nothing has been done and why i haven’t received anything.. Total joke will never do business with them again.

    Reply
  25. Been trying to resolve a slip and fall with a concussion and suffered memory loss in January 2014.

    Once I felt ready to settle, it has been nothing but excuses, losing paperwork, non responsive emails and phone calls.
    Even simple answers are not getting taken care of when I e mail the agent.
    For 2 months now I have been trying to resolve and settle.
    This agent is clearly lazy and not capable of doing his job. Maybe he lacks pride in doing a good job.
    I contacted his boss, which hasn’t gotten me anywhere either.
    Might have to file a law suit against the homeowner. Ridiculous!

    Reply
  26. By far the worst insurance company. Claims take weeks and costumer service is terrible

    Reply
    • Oh for sure….inexperienced folks doing an adjusters job…

      Reply
  27. Slow Claims Processing, Waited a full week for someone to come appraise the damage. Appraiser didn’t even get out of his truck or listen to the muffler sounds due to the damage. Been with out a car for 2 weeks so far. The Agent handling my claim, said my check was mailed out for the repairs. When I get it I can do to a repair place and if they need more money they can contact the ins company. My car should be totaled. But it will probably take another 2 weeks for them to come to that realization.

    Reply
    • I am realizing what you experienced!! Accident happened a week ago today and NOBODY has shown up to appraise the damage. Cannot use the car in the rain because the trunk lid is buckled and water gets into the trunk and electrical. I keep getting the message “I am still waiting for your estimate review to be completed. I will contact you as soon as it is completed.” I switched to them from Travellers because of a little better deal…..BIG MISTAKE!!

      Reply
      • Their business model is from times gone by. My agent was also incompetent so I had a double whammy. Wait until you cancel they have a way of really putting you through the wringer to get refunded. If they take the money automatically from your checking the will continue taking it even though your policy is canceled and then obstruct you every way possible to delay your refunds. It’s truly mind-blowing if they put the effort into providing customer service as they do in trying to harm you they’d have a great company. I’ve dealt with them for only 3 months but can now write a book about how horrible this insurance company is.

        Reply

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