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21st Century Insurance Company

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Fraudulent Charges!
Posted by Jolley713 on 09/16/2009
COLORADO -- I have been a loyal customer of 21st Century (formally known as AIG) for the last year. I didn't have any problems with this insurance company until a month ago. When I renewed my policy I decided it would be more convenient to get set up on auto pay. Well of course my payments had come out of my account every month on a regular schedule until last month. When I called 21st to ask why my bill hadn’t been taken out they said that we were using our vehicles for business purposes and that we would be dropped from our policy. When I reassured them we weren’t using them for business purposes, faxed them a form stating that we weren’t they said to wait till September to pay Augusts bill because it would take time to process the paperwork.

I called back in September to pay my bill and I was informed that after renewing my policy that my premium was to be raised by almost $100. After hearing that I told the operator to make sure that auto pay would not be set up for September because I was going to shop around for a lower premium. He said nothing would be automatically taken out because it was a new policy and I would have to set up auto pay again.

Later that week I signed up with Progressive, which ended up being cheaper than I was paying before. Well my husband called a few days later and said that 21st Century had just taken out $774 from our account. This was not authorized; I had no idea this amount of money would be taken out of my account and didn’t have the funds to cover this charge. As a result my account had $350 in overdraft fees and my account was frozen. When I called 21st Century the operator was talking in circles and eventually said that she would not be able to refund the full amount or cover the overdraft fees. I then asked to speak to a manager. After letting him know that the charges were unauthorized he put me on hold to listen to the phone conversation I had with the operator that told me I would not have any money taken out of my account. The manager came back to say that he listened to 5 min. of the 20 min. phone call and didn’t hear anything about auto pay being discussed. I assured him that it was discussed at the end of the phone call. He said if I wanted to dispute it I could fax in my overdraft fees and THEN he would listen to the whole call.

I finally gave up and just asked that he refunded my money. I then call my bank and they said if 21st Century was able to refund the full amount that we could claim it under fraudulent charges and they would take off the overdraft fees. So I sit here still waiting for 21st Century to refund my money. The operator said I would have to wait 5-7 business days before I saw my refund and there still isn’t a guarantee that I would get the full amount back. I love how they are so quick to take my money, but so slow to return it.

Meanwhile my account is frozen, I have no funds and my husband and I were supposed to go on vacation this weekend that had to be cancelled because we don’t have enough money (due to the $1,000 that was unexpectedly taken out of our account in the last few weeks).

21st Century has horrible customer service and will do whatever they can to take your money! I would not recommend this insurance company to anyone!
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Posted by lorrwill on 2010-02-17:
Holy Crap. I am going through the same thing with these thieves. But I called the CEO, Tony Desantis, and he assured me that he would have my complaint investigated and my unauthorized deduction refunded.
As to being competitive, not so much. I switched to State Farm and am now getting a seriously lower rate and the local State Farm consumer ratings are higher too.
Avoid 21st Century at all costs. They were an extremely good carrier years ago but those days are long gone.
Posted by Lifemates on 2010-10-24:
Hey lorrwill, how in the world did you get hold of the CEO's personal number?
Posted by Lifemates on 2010-10-24:
There must be a way of spamming the votes.
Posted by PeterKiryluk on 2011-12-27:
They took my money out of my account in a blip but i haven't seen my money yet in the "full refund from them" Day 20 i call everyday these people are thieves!
Posted by Anthony on 2012-06-21:

Tony Desantis talks a lot but says little. AIG(remember those crooks)sold 21st to Farmers. The same management is still running the operation(same crooks). I worked there less than a year. Imagine the scamming I witnessed. Just give it time, Farmers management team will soon catch on to what is truly happening!
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Settlement Claim
Posted by Debby505 on 02/10/2010
I was involved in an accident AUG, 2 2008. The driver covered by 21 Century blew through a stop sign causing me to hit her. It totaled both cars and messed up my right wrist. I have been sending them paper after paper, report after report for the last year and a half and still no settlement. Everytime I manage to reach my claims adjuster it seems they need more.. Enough is enough, I just want to get this done with and have NO MORE DEALINGS WITH THIS COMPANY!!!
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Posted by BEJ on 2010-02-10:
Can you go through your own insurance company? You could get your claim taken care of by your own insurance and then they can go after the other insurance company to get reimbursed.
Posted by Anonymous on 2010-02-10:
Why not get a lawyer and sue her insurance company.
Posted by goduke on 2010-02-10:
As much as I hate to throw business at lawyers, the insurance game is one in which they can sometimes help. You might need to contact an attorney. Often you can get a free consult on a personal injury/insurance case. Good luck.
Posted by skelly39 on 2010-02-10:
You can't sue her insurance company. You can only sue her. Are you done with all your treatment? Insurance companies generally will not settle with you until you are either done going to the doctor or are never going to get any better.
Most states have departments of insurance, and insurance companies are often required to respond to correspondence within a certain amount of time. If I were you, I'd complain to the DOI in your state first. A lawyer will take 1/3 of your settlement.
Posted by Anonymous on 2010-02-10:
Skel, only an insurance company can sue an insurance company? I didn't know that.
Posted by skelly39 on 2010-02-11:
No, there are very, very few situations in which an insurance company can be sued, and it's generally by their own insured. This lady has a claim against someone else. That's who she has to sue. I'm saying that if they aren't following the rules, the DOI might make them do it and she could avoid giving over 1/3 of her money to an attorney.
Posted by spiderman2 on 2010-02-11:
You need to retain a lawyer now to help you take care of this. Typically, you only have two years after a person injury to file suit against the person who caused your injury. After those two years, you will be at the mercy of the insurance company. I would find an attorney to guide you through this. Once you file suit against their insured, it will light a fire under them because obviously, they aren't going to be dealing with you.
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Cancellation of Homeowners Policy
Posted by Sierralynnmahtin on 02/14/2003
21st Century apparently stopped writing homeowners policies in California and cancelled all of their existing policies. Did this happen to anyone else? Let me know.
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Posted by Anonymous on 2003-03-01:
no. only to the people that didn't pay their homeowner's insurance.
Posted by lorrwill on 2010-02-17:
They are now or perhaps have always been underwritten in California by Homesite but their customer service and communication are extremely poor. I canceled my policy when I could not get all of my documents nor anyone to respond to my repeated requests for them.
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Ripped off
Posted by Jean-Marc on 02/26/2010
After buying a new car I thought it would be smart to shop around so I went online and got a few quotes. 21st Century turned out to be priced okay at the time. That was the good part. Now the bads in order...

Upon receiving my contract I learned that 21st Century Insurance is actually part of AIG. Not happy about that considering the damage AIG already did to this economy. Anyway it was too late to go back since my premium was already paid.

Continuing on... A few months later, it happened... I was involved in a car accident (first time ever after 20 years of driving) where a 20-year old punk rear ended me (he was speeding and didn't see me when he was trying to pass from the right). Getting 21st Century involved was a nightmare.

21st Century initially claimed that the other driver was uninsured and that I would have to lose my deductible. When I mentioned I would go file a complaint against the other guy with the police, 21st Century suddenly found that the other driver was actually insured but that they were denying reimbursement of my deductible on the ground that I was at fault! The other guy on the police report had claimed that I had cut him off which was totally not true! I don't know what was the deal between 21st Century Insurance and the other guy's insurance but I suspect they would try anything to deny any payment even when you are not at fault! Anyway, I cancelled my policy with 21st and went to the competition.
My advice to whoever reads this - don't think you will save a couple bucks with this insurance. When something happens you will be sorry...
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Dropping after 2 1/2 months
Posted by Justmimi on 08/16/2010
My Geico premium went up and I decided to shop around to compare rates. 21st Century gave me the best (I now remind myself that if something looks too good to be true - it usually is). Since it too was a 6 month policy, I questioned if their rates would rise significantly in 6 months and was told - no, the rates in NJ are going down! When I called back a couple of days later to get the policy the rates were up and they couldn't tell me why. Policy was matched exactly with my old coverage so I could compare properly. For the next 3 weeks or more I received quotes in the mail at the lower premium. A supervisor agreed to the original quote but said they would charge the new rate in 6 months. They asked for my defensive driver registration number which I supplied on the phone. (They never said they would need a hard copy.) I received my policy and pages and pages in the mail. No mention of what should be signed and returned. Then I received a rate increase in the mail and again - back to customer service. They said they needed a copy of my defensive driver mailed - I asked why the sales person hadn't told me that was required since they already had the registration number. I mailed that to them. Then another letter and another phone call and I had to fax over the policy agreement which I did and had verification of the fax. Then another letter - they didn't receive it - another call and at the end of that conversation the customer service person just happened to mention a $750 deductible without any mention of deductibles from me. ??? This made me check my original policy and new papers they had sent me. Original policy $500 deductible - new policy $750 deductible. Another call - this time assurance that my rates wouldn't go up with my $500 deductible when they received the information in the mail - and no they had not received my fax but the girl went over all the options with me (and I chose my original $500 deductible) and another assurance that my rate would not go up and I mailed in the hard copy. A few days ago another letter (wrong first name) saying a conflict in deductible - forms to fill out again (NOT) and if I chose $500 my rate would be higher. Goodbye 21st Century - Good Riddance 21st Century - cancelled as of 12:01 tonight. My coverage (if I ever had any) only lasted 2 1/2 months, and I shudder to think of what would have happened had I been unfortunate enough to have had an accident. I'm staying in my house today and not even starting the car in my driveway until tomorrow when my new policy takes effect! Don't be lured by low rates - Bait & Switch in my opinion would be the best description for the tactics of this company.
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Posted by Alain on 2010-08-17:
So who is insuring you now (did you go back to Geico?) I think I'd have stopped early on in this process. You're right, if it sounds too good to be true, it's not true.
Posted by justmimi on 2010-08-18:
I've had AAA for road service for years and were satisfied the couple of times I used them. Now I'm trying them for auto insurance. Their quote was lower than Geico's (customer discount, etc.) and the rate is for a year. Time will tell!
Posted by Anonymous on 2010-08-18:
Check out my post on Ameriprise. You might want to see what the price of their coverage is too. I usually compare my rates to at least three other companies every couple of years. No sense paying more than we have to--for something rarely used. My premium has gone down every year so far.
Posted by justmimi on 2010-08-18:
Thank you - I'll look call for a quote.
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Lying about refund
Posted by Steevie on 08/20/2009
Was told that my refund would be mailed from So California to No. California on Aug 15, 2009. Have not received it as of today Aug 20, 2009. I was directed to Delaware to find out what is going on. I do not recommend this company.
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Posted by Anonymous on 2009-08-20:
I'd say give it a couple of more days. Mail does still take time to get from one place to another.
Posted by SteveWiginowski on 2009-08-20:
There's a chance that they put it in the mailbox on the 15th, but the mail already came that day, so it was picked up on the 17th (since the 16th was a Sunday). If that's the case, it could take a couple more days to get to you. If you don't get it in your mail on Friday or Saturday, that's when I'd start to get concerned.
Posted by tonya-mad on 2010-08-01:
No they are criminals. Same thing just happened to me a year later, next time Im looking at these sites prior to trusting. how long did it take to get your money back, did you have to use a legal route?
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It's A Horrible Experience Even Before It Gets Started
Posted by JJU on 01/11/2011
I got a cheaper quote online and get a call from them almost instantly. But it went downhill right after, customer service transferred me a local agent and we talked a while. I don't remember my current policy coverage and want to go back and look into more detail so I can call me back the day after. The agent just went bat-sh*t crazy and demand me for my credit/debit card number so I can pay right away. I explained and explained about I wanting to check couple things and do some research. But this guy named traverse kept pushing and pushing bragging about how incredible and reputable the 21st century ins is.

I have to hang up on him. Now I find out how bad the experience, services and how unprofessional they're for business, I'll never go with them. Thank you all for the reviews!
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Posted by Anonymous on 2011-01-11:
Wow, sounds like youre better off not doing business with that guy.
Posted by Alain on 2011-01-15:
I use an independent agent and I talk with her face to face once a year. I get good rates and have avoided situations like this. What you described is unacceptable. By now I'm sure you've found a better company.
Posted by Augustus2099 on 2011-02-12:
I had 21st century for two years and they dropped us because of they are no longer writing policies in Mississippi.
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Unfair billing
Posted by Bulldog75 on 02/26/2010
I am lodging this complaint against 21st century insurance for what I consider unfair (and possibly illegal) billing. I originally obtained insurance for my motorcycle through AIG. Last year, AIG received federal bailout money, and a couple of months later, I received notice that AIG was changing its auto insurance over to a company called 21st century insurance. I had been using AIG for my motorcycle insurance for two or three years, renewing and paying for the policy premiums in one lump payment and ensuring my coverage for a year at a time. I was only three or four months into my renewal when the changeover occurred this past year. Within a month or two, I started receiving new, increased bills for my policy each month. Eventhough my policy had been paid in full for the remainder of the year. I had not been in any accidents or received any traffic citations whatsoever and had no reason for premium increases. I also reviewed my policy's "fine print", and could find no areas where such an increase would come from. Especially with no prior notification. My only guess is that AIG, through their newly renamed company, 21st century insurance, was attempting to collect funds to cover their newly received bailout debt. I ultimately cancelled my policy with 21st century insurance and moved my coverage to another company. And due to the fact that I received no prior notification, had no stipulations in the policy that allowed it that I could find, and was only a few months into a year long paid for policy, I have not, and will not pay the extra billed amount. And I urge anyone else who may have experienced a similar problem to do your own research and act accordingly. No one should have to be subject to this. From any company, but especially a company that obviously can't manage itself properly and is on the hook to the US taxpayers for billions of dollars.
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21st Century Can't Even Provide an Address to Mail Your premium to - How can they protect you and your car
Posted by After Midnight on 10/20/2010
WOODLAND HILLS, CALIFORNIA -- A few years ago when I was in a minor fender bender and had a very minor amount of damage to the bumper of my car, 21st Century Insurance attempted to total my car. I fought and finally won this battle after months of horrible customer service situations.

More recently they send out notices that you must pay your premium and provide a window envelope to return payment in, but no address to mail it to on the back of the statement. Given that I went online to find an address and mailed it off. Today I got a notice that my insurance was canceled even though they appear to have cashed my premium check?? I am going to call and get insurance with another company in the morning. I have had it. They have been my insurance provider since I started to drive in 1981, but I am completely fed up with their incompetence in dealing with customers. Their call centers are virtually non-existent. It is just a wall of voice mail as far as I can tell.
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Posted by tnchuck100 on 2010-10-20:
"...they appear to have cashed my premium check??"

Either they did cash it or they did not. That should be a fact without any question attached to it. Was the reason for the cancellation notice non-payment?

Contact your state insurance commissioner.
Posted by Anonymous on 2010-10-20:
I agree with you, time to find a new insurance company.
Posted by ok4now on 2010-10-21:
I'm trying to understand this. A few years ago you fought & finally won a battle after months of horrible customer service. The call centers are virtually non-existent. Why did you stay with them if they were this bad and you received this horrible treatment? This is when you should have left. Now because there is an address issue and "maybe" they cashed your check you've had it? I'm surprised you stayed this long. I would definitely find a new insurance company, preferably one that does not require the window envelope for the premium payment.
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Criminal activity
Posted by Tonya-mad on 08/01/2010
WILMINGTON, DELAWARE -- Let me start by saying I am a fairly new customer(signing on 2 months ago)related to the fact that all I received a quote that beat my current auto coverage. (claim free drivers) Who wants to pay more when you never have claims or tickets right?
First let me say they have billed me multiple times, without crediting my credit, which means guess what Ive paid almost $2000 for a bill that was suppose to be $685- *fraud and theft*
The company gives you run around the rosy-doing nothing, not to mention the worst customer service Ive encountered in my 20 years of insurance and business deals.
Dropping within 2 months without a claim- wasn't that easy money for them? or should I say theft related to the fact that I am still trying to get a refund amount. Lucky to leave prior to needed their help when in distress or actually having a claim- I feel deeply for anyone who may have experienced that. Lets keep America strong and tear this company down before they steal lye and cheat our fellow family members, co workers, and friends.
No more 21st Century Insurance------PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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Posted by spiderman2 on 2010-08-01:
How did they get all that money from you?
Posted by tonya-mad on 2010-08-01:
Long story short- the initial quote was for $951.00. I paid via credit card. Then another bill came saying the policy would be $1220. I had already dropped Progressive, so I figured I would swith some deductibles on the policy and we started a brand new policy with higher deductibles and only liability on one of our older vehicles our daughter drove and dropped her from our insurance. They were to reimburse the 1st policy, and started the new policy at $685.00. I spoke with a supervisor to get this change.
Never was reimbursed and now have $685.00 and the initial policy of $950 something yet out there.
Was a Progressive customer for a long time before switching, it was a very bad move, and they lied about the refund of the initial policy on the credit. A circle jerk to make profit.
Posted by Starlord on 2010-08-02:
Contact the governmental authority in your state that oversees insurance companies. I would love to be a fly on the wall when they try explaining conducting business like this in your state.
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