Every step of the way, Ameriprise tried to screw me out of my total loss auto claim. They are a very unethical company, they low-balled my offer, lied to me about how they came up with the offer, and lied about mailing out my check. After agreeing that the vehicles were incomparable, they tried to put them back into the comparable list. After the settlement is reached, they are hard to get a hold of. When they finally got around to reviewing my title, they tried to delay cutting a check by saying the mileage is not exact, so they could not pay me even though the vehicle was totaled. They are quick about picking up the lost vehicle, but slow to pay the owner for it.
If a person, God help them, has to deal with them, I strongly suggest ONLY emailing them. They change their story a lot, so it's easier to catch them when it's in writing. I would also suggest looking up your state's revised code, and send it to them. They try to get a person to agree to things that are not legal, such as saying they will ONLY pay for injuries after the person signs over all liability to them. They are a very shady company, and I am in the process of writing to the Ohio Department of Insurance about them.
Please do yourself a favor and avoid Costco auto insurance through Ameriprise. Their service sucks. It's frustrating when you got into an accident, your car is un-drivable, you have to stay home from work and call them to get help getting a rental car. Called the claim agent 4 times during the day, but no reply even though she was there. Finally called other agent and that agent ended up transferred the call back to the original agent, and guess what, she didn't pick up the phone either. Looks like I have to go get a rental car on my own so I can get to work. Once my car got fixed and this is over, I am changing to another insurance companies.
VIRGINIA -- BEWARE of this business. This is my first time using Ameriprise, and service is awful. They are so sweet when you sign-up. I asked them to see if anything will change, sales person told me that, "No, in your case it shouldn't..." etc. After few weeks yes, Client Services called me and started adding/making changes to the policy and increased the price. When I question, they threatened me that they will cancel the policy. They forced to add my college child to the policy who lives on campus and never takes a car, to super increase the premium. I tried to reach the sales rep who signed me up – she will NOT answer the call.
Now they are threatening me that I have to have a fire monitoring from my alarm company or they would cancel the policy apart from the increased premium. I called a month after I signed up to see if they see any changes based on the inspection underwriter, they said everything is good. Now (after 2 months) they are saying change is based on underwriter, etc.
Basically, they say anything and nothing is documented. They make changes whenever they feel like just to increase the premiums with reasons that they never communicated before. They never update their systems on time, so always mis-communicating and very confusing. They have called a random phone number and talking to a wrong person and gave all my personal information thinking that was me, best practice for selling customer's personal information and just saying SORRY!
PHOENIX, ARIZONA -- I was involved in a car accident in Sept 2011. Here it is, 2013 and it is still not resolved. Their client ran a light and broadsided my car. They wouldn't pay my car repairs to my satisfaction and still have not paid for all of it. They kept telling me that I should have had eyes on the right side of my face and because I didn't I was partially at fault. Lol.
The lady that hit me had their insurance and they screwed her over too. She had a brand-new Toyota which was totaled. They gave her a car that was three years older than her new car. As she put it, "They gave me this old stinky, sweaty replacement and told me to take it or leave it!" In my opinion, this is the worst company I have ever dealt with to this date in time. One excellent tip: Do not give any statement to the opposing insurance company. Tell them to contact your attorney. Of course this is based on what I learned and is in no way legal advice, always consult your local laws.
DEPERE ALSO PHOENIX ARIZONA, WISCONSIN -- Do not buy this insurance that is sold through Costco. Doesn't matter whether you are victim or insured you will get screwed. Yes this is the same company that we bailed out in 2008 and they still continue screwing us Americans! Don't let them get you!!! Read below story:
I was involved in an auto accident last September 2011. This lady ran a red light while I was making a left turn. I was 90+ percent into my turn when she hit me. Immediately Ameriprise wanted to ding me 15% because they say I should have had eyes behind my head and swerved to miss their insured and hit the pickup truck that was to the immediate left of me.
Not only did they ding me, but they also screwed their own insured by giving her an "old sweaty three-year old car". They wouldn't replace her new Toyota! The agents you deal with are "rude" and "unprofessional". Their agents can't even spell their name correctly! That's the calibre of personnel you are dealing with.
First off, do not give them any information over the phone or written communication especially if you are the victim because they will use it against you. Only say something like "their insured hit me" and keep repeating that. Get an attorney especially if you are the victim because they will not settle with you unless you do.
COLORADO -- I Switched from Geico to Ameriprise through Costco. STAY AWAY!!!!!!!!!!!!! They low ball you then increase your rates with every renewal! I have never made a claim with them, yet every renewal they increase my premiums. When I call and ask why, they always give a different excuse. The latest, "We've realigned our rates for your area because of claims we've had". None of those claims were by me. God forbid I make a claim, what would my premiums do then? Later losers, I'm insurance shopping again!
SANTA ANA, CALIFORNIA -- Don't buy insurance through this company. I shop Costco and after dealing with this company, I would never buy their insurance ever. They never return your phone call, make you jump through hoops to get your car repaired and deny any type of extra days for rental car if yours is not ready on time from the repair shop. If you have a choice, go through your insurance company and bypass this company if you have a choice in the matter. Better yet hire a lawyer.
My son was hit by a person that had the Costco Ameriprise insurance. She hit two parked cars, and my son was in one of them. At first, they refused to take responsibility or even give me a rental car. I've been lied to, they played games with me, they gave me the runaround. I am appalled that Costco would have any affiliation with this Ameriprise and sell this insurance when it treats people this badly.
I have home & auto but not for long. I have had to use the auto group twice recently and have never had a worse experience in my life. I have never been in an accident in my entire life that was my fault and I am close to retirement age. I was rear-ended in one case and they told me I was liable. The second case, someone made a left turn in front of me and I didn't have a stop sign or traffic signal. I had no time to hit the brakes, yet my fault again. They seem to be corrupt. Getting rid of them as fast as I can.
My wife has a 2007 Honda that she had an accident with. Ameriprise refuses to use OEM parts for its repair. They supposedly called my repair shop and got them to agree to this by talking to someone named **. There is no one named ** at my repair shop and the repair shop says we should use OEM parts. What kind of scam is this? Aftermarket bumper covers are inferior product that do not fit like original.
When I called, they said the only way I could get them to pay for original parts was to bring it to one of there shops, but there is not one in Vermont. The person I talked to said I would have to pay the difference in price from aftermarket to OEM. I understand insurance companies trying to save money by using aftermarket parts, but when it comes to body panels, they are inferior and do not fit correctly. On Ameriprise website, it says they will repair your vehicle to its pre-loss condition, well my pre-loss condition was all original parts.
I had Allstate prior to Ameriprise and when I had an accident, they wanted to use aftermarket parts. And I said I wanted original, they said OK, end of story. Allstate, I am coming back. Beware people of Ameriprise - they are a scam, using fake agreement names and inferior parts.