SANFORD, FLORIDA -- Thursday, 4/14/16 Isiah ** (driving a 1995 Toyota Corolla insured by Direct General) hit my boat and trailer that I was hauling on I-4 in Sanford, FL. Florida Highway Patrol responded. I had to pay to have my boat towed to my house. The next day, a Direct General representative called to say I would be contacted by the claim representative assigned to my claim on how to proceed after an estimator evaluated the damage. I received the following email: "Please forward estimate and photographs for the boat and trailer. Thank you. Markesha **"
This is the only written correspondence I ever received. Other than her email address being **, you would not know who sent this email - it lacks the most basic company info (name, address, phone #, etc). Totally unprofessional. I went into detective mode and got the information myself. I got on the internet and found a toll-free number to report a claim for Direct General (because you WILL talk to a REAL person if you call to REPORT a claim). The phone representative was very helpful. He gave me Markesha's phone number, her supervisor's name and phone number and the fax number to fax info to and a mailing address also.
This was after numerous email requests to Markesha ALL went unanswered. Markesha absolutely NEVER answers her phone and I never received any callbacks when I left messages. Her supervisor, Rebecca **, did answer her phone and she put me on the phone with Markesha, who informed me that I would have to take the boat and trailer and get estimates (as they do not insure boats and have no idea how to estimate damage).
After the hassle of hauling the damaged boat and trailer to 2 shops (and paying the high marine labor rate) for an estimate, I sent all the paperwork to Markesha and heard nothing. The single email is the only contact I have had from them - all other contact is me trying to engage them. Last weekend (July 9th), I called Ms. ** again and was told that the claim was denied due to a "garaging issue". Mr. ** driver's license address is Danville, VA. His car tag is VA and his Direct General Policy number is VAPD-**. All of his info shows state of Virginia.
Direct General says he either lied or moved and failed to inform them. (I have yet to receive any correspondence to verify this info.) I asked them how they could verify (no actual response), but my insurance representative says they access license plate reader info (BIG BROTHER). Since Florida is the vacation capital of the world, I fail to see how your car being there would indicate you live there rather than you are just visiting or on vacation. This did not seem to be an issue when they were taking his premiums.
Is there anything I can do? Is this legal? Direct General actually caused me to incur additional expense (estimates) and never had any intentions of paying this claim (the email with NO contact info is proof of that). When I complained to Ms. ** that Markesha had NEVER replied to any of my emails - her response was "We do not do business by email because it can be hacked. We only do business by phone." Really? So I get one email with no phone numbers at all. I am waiting until I receive a denial letter from Direct General to file a complaint with the insurance commissioner in Florida and Virginia (if I can). WHAT A SCAM!!!
NASHVILLE, TENNESSEE -- I'm having serious issues with this company since September 27, 2015. My car flooded on that date. I reported the claim. They sent a rude adjuster out, Clifton **, who is not a certified mechanic. He told me the problem with my car was timing issues which was very untrue. Even I knew that and I'm certainly not a mechanic. The company was made aware on many occasions about his unprofessionalism but did not care. I took my car to the nearest Honda dealer, I left it there 7 whole days for the insurance company to go look at it and told them they said my engine is knocking due to the water damages. They sent no one out to look at it.
Rude Mr. ** called them and was very nasty with them over the phone. He called me a liar and the Honda dealer. The insurance company denied my claim at that point. Mr. ** never included in his report that the car was there. I had to tell them. Then they said my claim was back under review. The insurance company requested for me to take the car back and let the dealer tear it down, they was gonna send someone to look at it (they never did), and lied to me because no one never went to look at it. They denied my claim again.
I tried filing this claim through my extended warranty, Fidelity. They sent an adjuster to look at my car while it was still torn down. That adjust denied the claim due to water in the motor which caused the damages. Now my car has been at the Honda dealer, turned down for almost 25 days with an estimated total of $6800 to be fixed and I'm stuck with paying insurance and a car note with no car.
If this is unprofessional on behalf of this company, I don't know what is. I have all my proof including recordings of them telling me they would fix my car. Now I have to deal with legal proceedings to get my car fix which is an unknown amount of time. I would advise this company to not be allowed to sell insurance again as of today.
TAMPA, FLORIDA -- Their client hit me, almost flipped my truck and busted my rim and flatted my tire on top of other damages. Then the cowards runs with a bumper missing! A few days later, I heard he was caught and I could pick up police report to get info. So then I got the info of his insurance. I submitted a claim. They took days to estimate my damages and then tells me the customer had a different story and that he did not hit and run (mind you he went to jail). They told me their client told them no he didn't hit and run and it was my fault. I asked if I could fax the report they said no.
Days later, I called again and someone else told me yes I can fax it and I did and for three days straight. I called to make sure they got the fax and of course they said it's still processing. But then, I called the fourth day and the supervisor said if they didn't get it by now it's not coming. I emailed it to Stephanie ** and she forwarded it to Nia ** and of course he gave me the runaround and told me he had to call his client to confirm this. His client already lied about hit and run and it being my fault, so why would they call him and believe anything he has to say? They said looking at the pics they can tell it's his fault but did they send my check?? Nope!!!
I'm still waiting so far 3 weeks and nothing, no check, no status, nothing. Every day I call, I'm told it's still processing and no one knows anything there. I was told it's still pending police report (which it's not). I was told it's pending interview with their client (and it's not). I was told they are still reviewing police report (and it's not).
Moral of the story, I'm still driving on a spare tire and I can't ride on highways and if you get these crooks to be your insurance carrier then you suck, you should never put anyone under this stress. Their biggest mistake is not knowing my dad is the judge of civil lawsuits and he deals with these types of cases and he will make sure I get my money!!!
NASHVILLE, TENNESSEE -- I recently just started with them about a month ago. They already are canceling my policy, due to supposedly at fault accidents. I called the dept of Homeland Security to verify with them if I had any and they stated no. I called once again. Direct spoke to multiple reps and every single time the story changed. The last person I spoke to states that they are actually canceling my policy due to NOT AT fault accidents that THEY ARE at "high risk" having me with their company.
Therefore since I'm a safe driver, but have been hit in multiple occasions they don't want to take care of anything, or even be involved. So if you want a insurance company that does not or will not protect you at the time of an accident you came to the right place, because clearly THEY DON'T CARE ABOUT YOU!
FT. WALTON BEACH, FLORIDA -- My grandson had an accident in his car for which I co-signed. He lives in Florida and I'm in Texas. Direct General, his insurance company, was very helpful in making the claim process as painless as possible. Marisa **, the agent with whom I was most in contact, was excellent in keeping me informed as to the process and progression of the claim. Now I have to work with the finance company and GAP insurance company. If they are as helpful and easy to work with as Direct General, then I will be a happy customer.
On March 6, 2015, I was involved in a car accident with one of their policy holders. I contacted Direct General about the accident the same day. They did not contact me in regards to this matter. So I contacted them a month later to see what was going on and why haven't anyone from the insurance company called me. They gave me the person who was supposed to contact me, but never did.
The adjuster who contacted me wasn't showing any empathy at all. By having impact and damage to the front of my truck the transfer case went out and the truck was not driveable. I explained this to the adjuster in a so-called recorded conversation. They sent someone finally and he did even look under the car to check the transfer case. So, I contacted the adjuster again because it wasn't fixed. So I ended up eating the cost to that but here come the rental car issues.
Last week contacted them again in regards to reimbursement to me for the rental car. I had the rental car people fax over all rental agreement information and out of it I only received a check for $331.00 out $1400.00 was charge to my credit card for the length I had the rental. Today I called, and again spoke with the agent and was treated unfairly and derogatory remarks were said before they hung up in my face. This is the ABSOLUTE WORST insurance company to have and to have a collision their policy holder. Now, I will have to get a lawyer to retrieve the remaining of my funds so that I can pay the credit company.
NASHVILLE, TENNESSEE -- Beware... This is a horrible company. I had a simple claim. They had me send a video and pictures. Then I could never get anyone to return my call. Then I received a check in the mail for $1300. I thought that was not right, so I sent car to shop for estimate and it was $4200. After not being able to get a return call I contacted their VP of customer service. Initially he helped me, but then after re-evaluating the car they totaled it.
How does it go from $1,300 all the way to $12,800? It has been 9 weeks now and this still has not been finalized and I do not have a car (the rental ran out) and they are still charging me premiums. BTW now the VP of customer service is not returning my calls.
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.
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 cannot 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. I wish I would have read online reviews about this company before I purchased insurance with them. I WILL TELL EVERYONE I KNOW NOT TO GO WITH THIS COMPANY.
MEMPHIS, TENNESSEE -- I was involved in an 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. Think again about them saving you money. I hope karma comes soon. Feeling very ripped-off.