Direct General Insurance

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Direct General takes money but won't pay claims
Posted by Ouroboroso on 10/23/2009
NASHVILLE, TENNESSEE -- My car was hit from behind in late Sept 09 by a woman driving a car belonging to one of her relatives. The car that hit mine was insured by Direct General Insurance, and the driver was issued a citation. I filed a claim with Direct, but the customer service representative waffled, and made several excuses about the woman driving not being on the account, and the policy being too 'new'. WTH? They insure the C-A-R...not the person, and unless they have an Excluded Driver Endorsement on an individual, they should cover the driver, no matter who it is. I eventually had to file a claim through my own company, Progressive, and although they repaired my car immediately, I had to pay $500 deductible. I'm not even going into details on lost usage and wages due to the accident. Progressive subsequently attempted to recoup their money through the process of subrogation from Direct General, but they were also unsuccessful and have since closed the case. I have contacted attorneys who state that the disputed amount would not be worth filing a lawsuit. I wonder if this is Direct's unspoken standard operating procedure. What if the claim is too small for attorneys to take Direct General to court, and they just ignore it, knowing that it will eventually just go away? Well I'm not going away, I am hiring a lawyer and I will pay to make Direct General stand up to their responsibility. I will contact my state's Attorney General and the BBB, and share this story with anybody who ever brings up the subject of auto insurance companies. As a driving instructor, that's a lot of people. I will cost them more money in the long run than if they had simply done the right thing and fixed my car..even if that money they spend goes to pay their litigation attorneys. I hope this unscrupulous company gets their clock cleaned in court one day, and I hope the dirty executives and managers who implement and support these policies get what they deserve. Here's the funny part...Direct General's motto is "We'll do right by you". What a joke.

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Posted by JR in Orlando on 2009-10-23:
You are not the customer of DGInsurance, but the enemy. You want them to pay, they don't want to. The only duty DGI has is contractual on behalf of its policy holder/insured to defend against claims and/or pay if liability is established. To the extent any insurance company pays a third party it is to minimize its costs or limit the exposure its insured has to liability. DGI owed you no duty. In fact it served its insured by telling you "no."

The duties of DGI are set forth in the policy. The other driver may not have been an authorized use, or otherwise outside the policy. Surprise, you don't sue the insurance company, you sue the individuals. They may or may not defend them, and suing thus might do no harm but to them.

Finally, check with an attorney because you may only have the right to sue for the $500, you actual damages to the car, not on behalf of your insurance company for what they paid.
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Posted by Masterjomo on 05/14/2009
BATON ROUGE, LOUISIANA -- I purchased direct through car insurance.com. The quote was 652.00 for 12 months. The quote was based on the information I provided,. Which was all true & valid. I purchased and paid in full, Big Mistake! They decided to increase my premium by an additional 311.00.The reasons they gave were Proof of previos coverage and proof of residency. I provided the information by fax and by mail. They told me that they ither did not receive it or it was not good enuogh. Different stories depending on the representative They are liars and scammers. They bullied me into paying the 311.00 or I would be cancelled immediately and out my 652.00. The laws and regulations that monitor and suspposedly protect consumers from scamming insurance companys like direct are a joke. I WILL NEVER PURCHASE ONLINE FROM ANYONE EVER AGAIN. I tried to save money and it ended up costing me more than buying from a local compny or broker. As for Car Insurance. Com, their just as dishonest as Direct General. AVOID THESE COMPANYS! I am not some disgruntled looser. Please learn from my experience and try to avoid buying auto insurance online. Do it face to face with everything in writting before you pay anything. Even the big companys like gieco can legally up your initial quote when purchasing on the internet.

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Posted by mskitty07 on 2009-12-22:
If I didn't work for Direct I would still not trust a comment left by someone who does not know how to use spellcheck.
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I Wish I Had Read The Online Reviews About This Company
Posted by Boombay2000 on 01/11/2012
FLORIDA -- Hello fellow consumers, I have been with Direct General Auto Insurance Co. for 3 years I was recently in a small accident. I have been in contact via voicemail with the insurance adjuster for 19 days, only spoke to him 1 time in 19 days. they finally sent a check for repairs on my car. However it is 1000 dollars short my deductible is only five hundred. I am now fighting with them to have another adjuster to come to do a reassessment. They promised the body shop they would have someone out by Tuesday or Wednesday now they can not get anyone here till Friday late afternoon go figure. This is going to delay the process of fixing my car by yet another week. So if they come out on Friday the body shop should be able to start on my car by Monday it is a five-day job. I have rental insurance they only cover for 14 days I am now borrowing a car. This company is TERRIBLE I would not suggest them to my worst enemy. It looks like I am going to be without a car for at least two weeks after my car rental which I pay extra for. It's already been done for five days it's looking like at least 7 more days before my car is fixed.

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Posted by Alain on 2012-01-13:
A lot of the complaints I saw about this company mentioned contacting their states insurance regulatory office. You may want to do the same. http://www.floir.com or call the Florida Office of Insurance Regulation at: (850) 413-3140.
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Bad Business
Posted by Smittydog on 04/23/2010
MEMPHIS, TENNESSEE -- I was involved in a accident. The car was mildly damaged. The insurance company claimed it was totaled. The third party was paid right away. I told the insurance company I would pay the difference. The claims adjuster had already made her mind up, with no talking to her. The insurance company sure loves taking your money, but when paying out that's a different story. The damage to the car was less than half the value of the car. I have been fighting for the right thing to do. It has caused me nothing but grief. So let them say they do right thing by you, this insurance company is the biggest rip off I have ever encountered. Thing again about them saving you money.

I hope karma comes soon feeling very ripped-off.

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Posted by Hugh_Jorgen on 2010-04-23:
It's ironic that people want the lowest insurance prices possible, but when they need to file a claim, they expect them to throw the checkbook wide open.

What you call "mild damage" might be more severe than you realize. Based on their experience, they might know that with your type of car, once they get it into the body shop and parts get removed they will find more damage. What starts out as a $3000 claim quickly becomes a $6000 claim once they really get into doing the repairs. So it becomes more cost effective to total a car with what seems like only moderate damage.

The thing to do now is protect yourself and make sure you get as much as you can for the totaled car. Don't just take their word for "book value". Scan AutoTrader and print out ads, look at similar cars for sale on line and be prepared to fight them with hard facts. If your car was in particularly good condition, or had an upgraded stereo, or new tires, be ready to prove it. It is a negotiation, you don't have to take their first offer. Best of luck.
Posted by skelly39 on 2010-04-23:
Exactly, Hugh. There are two sides to this equation. The insurance company is not going to go through the hassle of totaling a vehicle that isn't a total. Aside from the unnecessary paperwork, it's not legal for them to do that. And your value and their value are likely very different.
Do you have the option to keep the vehicle? Why don't you let them pay you the value, less its salvage value, and keep it? Then you can "pay the difference" and get it fixed. Of course, you will need to find out your state rules for salvaging a vehicle.
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