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 August's 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!
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.
CAPE CORAL, FLORIDA -- Apparently unless you auto pay your bill now with 21st Century you have to pay a $3.25 processing fee. What I mean by this for example is. Yesterday I went online to pay my 6 month premium, which in turn was 6 days before due date. I was using my Debit card and it informed me that unless I auto draft on the due date I would be charged $3.25 to process my payment. Maybe some of you have seen this, but not me. I have seen processing fee's for late payments etc. What I do not get is they are obviously passing on their vendor fee to the consumer that companies normally pay anyway. It is not the issue of the amount, but the principal of it.
I spoke with the Manager who told me lots of companies do this. I never had this issues with ALLstate, Mercury or any other insurance company, (ordering pizza, buying products, Amazon, get my drift). And by the way Miss Manager your company raised my premium $50 for 6 months and I have never made a claim, had a ticket, and coverage/vehicles the same.
Although I didn't appreciate that I still am paying it. I had to absorb their increase, so they can absorb their vendor fee. After moping on the phone with **, who basically implied that I was ignorant to the corporate greed that America is slowly being strangled by she waived the fee of $3.25. Seriously love capitalism, but when you need to increase your revenue to keep 2 people on to do 1 person's job and to pay a CEO a 7 figure salary then it gets silly.
WILMINGTON, DELAWARE -- I had been a customer of State Farm, but in July of this year, I switched my auto insurance to 21st Century Insurance after they gave me an insurance quote which was $175 a year cheaper. My current six month policy premium with 21st Century Insurance is $543.57, so imagine my surprise when I received my policy renewal the other day and discovered that my renewal policy premium will be increased by approximately 38% to $749.81!
I have no idea why 21st Century Insurance feels the need to increase my premium by such an outrageous amount, as I have not had any tickets or accidents since long before I became a customer last July, and the premium increase is far more than the 5% across the board rate increase that they notified me of in the policy renewal paperwork. Since there is no reasonable excuse for a 38% increase in my insurance premium, I emailed them and asked them to give me an explanation as to why they feel that they have the right to raise my premium so dramatically. It has been almost 2 weeks, and I have not yet received a reply.
Since we live in a free market and I am not obligated to remain a customer of a company which is trying to rip me off, I reserve the right to find a cheaper insurance premium with another insurance company. If 21st Century Insurance will not lower my insurance premium to a more reasonable amount, I won't renew my policy when it expires on January 1st.
Before I became a customer of 21st Century Insurance, I was warned by a friend (and former customer of 21st Century Insurance) that they are an unethical company and they would dramatically raise my premiums after the first six months. As it turns out, my friend was correct, and I was a fool for believing that they were an honest company.
In my opinion, 21st Century Insurance is nothing more than a bait and switch scam! I will remain a customer of 21st Century Insurance if my six month renewal premium is priced at $570.75. This amount reflects a rate increase in the amount of 5%. I have absolutely no intention of renewing my insurance policy with 21st Century Insurance if they attempt to charge me any amount over $570.75.
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.
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. Even though 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 because 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.
WILMINGTON, CALIFORNIA -- My 21 year old grandson lives with me. He was on my policy to drive my car, then he bought his own car and got his own policy with same 21st insurance. I called to have him taken off my policy and was told that because he lives with me I have to sign a waiver that he will never drive my car and he will do the same, that I will never drive his. We have the same 21 Auto Insurance. Anyone else can drive my car but because he lives with me he will not be covered if he has an accident in my car. I will not be covered in his.
ARIZONA -- My husband & I had 21st Century Insurance for the past 2 years and will never deal with them again. After the first year when we received our renewal notice they tried to raise our 6 month rate more than 3 times the amount we had been paying, when my husband called we were told by the agent "well we had to pay out more last year then we planned so we are raising the rates for everyone in AZ."
Now I don't mind if you raise my rates some if I have had an accident but both of us have not had anything against our driving records or any accidents. We told them we would be looking somewhere else for Insurance and the next week they drop it back to within just a few dollars over our past amount. Then 6 months later they did it again and got the same answer when we questioned it. So they fell it is OK. to punish good drivers because they have to pay claims on other drivers! 21st Century Insurance Company is a joke in my option and I will never recommend them to anyone. As far as I'm concerned they are thieves.
NEW YORK -- DO NOT TRUST THIS COMPANY!!! This was hands down the worst insurance that I have ever held. They can add fees for the hell of it and do frequently, they can add drivers to your account and bill you for them even when you expressly tell them over and over again that they do NOT drive your car. Their customer service is really bad. They are slow to act to a claim. They don't get paper work to you quickly.
They only contact you by mail even if they have phone numbers and email addresses on file with notes attached to contact by them instead. Bottom line is they are over priced insurance who care more about lining their pockets then they do providing good insurance for their customers.
CALIFORNIA -- Last month we were hit, while stopped by an insured of 21st Century. Since then it has been nothing but games and lies by very untrained employees. This company should be investigated and probably have their license suspended. If you happen to own stock in this company I suggest getting rid of it as they run up the claims. They could settle them much quicker if they had a brain.