MARIETTA, PENNSYLVANIA -- My vehicle was parked outside my home on 3/6/11. A lady came past and hit my truck right after hitting 2 other parked cars. I turned the claim into my insurance company which is Nationwide to get the ball rolling because I have full coverage (lucky for me). Now 5/17/11 I get a letter from DONEGAL INSURANCE (driver at fault) stating. "We have completed our investigation of the above captioned matter. Due to MS. ________ experiencing a medical emergency there is no negligence on her part and we are not able to consider payment of your claim."
Now I understand about coverage limits but Donegal just refused to pay at all. Because their client had a medical emergency? So for instance, if I am driving and I black out or something happens to me physically where I can't control my vehicle, it is not considered my fault? That is ridiculous. So in a nutshell they are saying if you did not mean to wreck it's not your fault but if you intended to wreck that's OK then we will payout on your behalf. How are you considered not at fault by your own insurance company when you were the only person driving in the accident and you hit 3 parked cars?
My insuraqnce made a full recovery from donegal and my insurance sent me my deductable. Im still glad i had full coverage tho or else i would have had to pay to fight doegal in court
GRAND RAPIDS, MICHIGAN -- Was with Insurance company for over 10 yrs and never had a claim. Finally had one when we were stolen from, someone broke into our home and stole prescription drugs and other items, and that was the only time we had good service. From there on I dreaded dealing with this company and their employee Jennifer, not going to use last name. So when we had a claim about water getting into our ceiling Jennifer came out, not a contractor, and they didn't even have me get quotes. She put an estimated cost on the job and that is the amount we got paid.
I talked to several contractor friends and they agreed the job should have been more, luckily they did the job for the amount she felt the work was worth. The second claim was on an auto accident that my wife had, that they paid on no problem, but after that this company SUCKED. Had mold in our basement again Jennifer comes out and takes a look and says "no you are not covered." Then as we were fixing that mold problem we find out it is all through the basement and coming in through the foundation.
So they send out a structural engineer, one of their choosing by the way not a neutral one, and he reports back to them and they say "no you are still not covered", and my policy stated that I did have limited coverage, but they denied the claim. Every time I called to talk to them about this they listed it as a claim, and when I went to get new insurance they said I had 5 claims in one yr and they could not insure me. We finally got a report from our insurance company that we were with and it showed only the accident and ONE MOLD CLAIM. Then they send an inspector out to look at the condition of the home, first time in 10 years they do this, since they wrote the policy.
The inspector goes back and tells them we have a few problems. They write us in the middle of October and tell us we have until May 23 to fix these, other than removing my brothers pit bull, which was listed on this report, that was the only thing we could do because of winter. So in April as weather is getting better, we go into our local insurance office and ask them if they can reach Michigan Insurance, which is a Donegal Insurance Company, for an extension. They say not only can we not get the extension they would not be renewing our policy, leaving us to scramble to try and find a new insurance company.
Well we found one for the car, we had actually switched that before the new yr, and when we switched the car insurance over I thought that the new company would have faxed Donegal, well for whatever reason they were not notified and kept taking our payment. When we finally figured out what was going on I called to inquire about why and they told me they had no written notice of the cancellation. So again I go to my local insurance agent tell them what I need them to do and they do what needs to be done. So today I call after I receive a letter saying they got the cancellation to ask for a return of the premiums I was paying double on.
The lady on the phone tells me they had dropped a vehicle from my premium back in December, which I had not received notice of, and that I was only getting back a third of what I should be getting. This company has screwed me on more than one occasion and I would not recommend them to anyone. If your agent wants to put you through any company associated with Donegal Insurance group do not let them. The service SUCKS.
VIRGINIA -- After getting changing over to Donegal Mutual Ins Co, we had a sewage backup in our house. We had this coverage specifically spelled out in our policy. We did the insurance adjuster procedure and they paid for the carpet but when we wanted to have them pay for the pipe damage, suddenly they canceled us.
It was strange, that the letter to us about this was deceiving, since they did not spell out they we needed to have it repaired so that they could then determine whether they would cover the claim. This was a $18,000 repair (no typo, $18K repair). The cancellation was effective after 10 day notice was received. My recommendation, DO NOT DEAL WITH THIS COMPANY AT ALL!
MARIETTA, PENNSYLVANIA -- Their insured ran a red light, hit my wife's vehicle with our children inside and claim that we are 10% negligible for the accident. Police report clearly states Donegal's insured driver ran a red light, also confirmed by their driver's daughter and a witness who stopped. The insured motorist or the company never once apologized. We thought this was pretty cut and dry, their insured ran a red light and hit our vehicle. Representative Adam and Supervisor Gus claim that we were partially at fault. No integrity whatsoever, absolute joke. Please use your local insurance agent instead of giving business to a bunch of crooks.
MARIETTA, PENNSYLVANIA -- I lost my brother to lung cancer in March. I've had to put my mother in assisted living as a result. My brother owned the house they lived in and was the policy holder. I'm still trying to get the estate settled and the house sold. Donegal Insurance just sent me a letter stating that, since my brother died and nobody lived in the house, they thought there was too much risk and are canceling the policy! Are they kidding?! Like I don't have enough to deal with. All I need is to get the estate settled and the house sold and they can't even give me that! I hope they don't try to advertise that they'll be there in time of need. That clearly is NOT the case.
We have full coverage on both cars my husband swerved to miss a deer and slid sideways before smacking the guard rail. All four tires were to the threads in the same spot because the wheels were not turning they were skidding sideways. And some damage to the front fender. We also have rental coverage for 30 days and or until the car is fixed. Donegal has terminated the rental coverage 10 days before the 30 days were up without any notice to us as well as refusing to pay for the tires and additional damage found by the mechanic. They are going against everything in their contract with us.
Our agent that we deal with is even in shock and giving us info on how to handle this. We feel like we were robbed we trusted this company and sent in regular payments so we could have piece of mind now when the time has come to use what we're paying for they've turned their backs on us and pocketed our money.
A DONEGAL COMPANY MARIETTA, PENNSYLVANIA -- I had full tort on my Toyota Solara but since the car was paid for I didn't have collision. My car was hit in my driveway and Donegal just paid the other driver against my pleading. I take it to court and the arbitrator found in favor of me. I lose my car 8600, rental car 656 as well as going over the 5,000 medical and towing bill of 325. I get 3000 and the other person has a new car and whatever else she got.
Donegal won't ask Erie to pay my losses and they can't retrieve the money from the other lady so basically their insurance is useless if you prove them wrong. The new car I had to buy put me 200 a month over budget because of their mistake. I fired them in the first place because they didn't fight. By winning today I even saved them medical bills from her. What do I get from them? A slap in the face.