PGAC Auto Insurance

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Do not deal with PGAC - They take your money but will not issue a refund when you cancel
Posted by on
I used PGAC (the general) for auto insurance for 6 months. I found a much better rate with another provider. I cancelled my policy, but not before PGAC took a payment from my checking account. This was on 6-25-11. I called and stated I cancelled and that I want a full refund. I was told I have to submit a letter requesting cancellation along with proof of new insurance to show there was no lapse in coverage. I submitted the requested letter and information. I waited 3 days and the gave a follow up call to see where my refund was. I was told they needed a letter requesting cancellation that had my signature on it. I resubmitted the letter with my signature and waited again. No refund was issued. I contacted PGAC customer service and received an email back on 7-5-11 stating the policy was cancelled per my request and that a refund would be issued within 48 business hours. I called on 7-12-11 asking where my refund was. I was told that the customer service person that emailed me never processed the refund request and was told it was just entered while I was on the phone and that it would take 2 - 3 days to be issued. I called on 7-15-11 asking where my refund was. I was told that it was never entered on 7-12-11 and that I would have to wait another 3 - 5 days for it to be issued. I asked for a manager and after talking to the manager I was put on hold for 10 minutes. The manager came back on the line and said that she had the accounting department process the refund request effective today (7-15-11) and that I should have the refund back in my account no later than Tuesday July 19, 2011 depending on my banks policies on electronic deposits. DO NOT DEAL WITH PGAC!!!! They are thiefs. Their customer service is the worst in the industry. They will take your money real quick, but they will not give it back. It has been over 17 days now that I have been trying to get my refund. STAY AWAY FROM PGAC
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trmn8r on 07/15/2011:
It sounds like it is finally being processed. 2-1/2 weeks isn't out of whack to wait for such a refund. Hopefully it is on the way.
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Stay Away!!!
Posted by on
CALIFORNIA -- If you're looking for automobile insurance, STAY AWAY from THE GENERAL (PGAC). Horrible company, horrible service, horrible everything. I paid $452 dollars for 16 days of coverage, including a down payment. That's like $30 dollars a day. I just needed to get my new car off the lot. I informed them of this and they set me up for some 1-year plan. I got my car off the lot and called back to cancel so I could find some much better and affordable service. They did so, but added some 10% charge of the remaining premium on a 1-year insurance plan that was almost 4500 dollars. They did not prorate my $452 and pocketed the rest of the half a month that should have been returned to me. After weeks of arguing, pleading, and reasoning, NOTHING! You do the math...$452 for 16 days of insurance. I gave them my hard-earned money! I also told them I got a new car because I was hit by a drunk driver who was uninsured. Did they care? NO!

Horrible service, horrible business, very unethical!!!! STAY AWAY. Or if you're still interested?​.​.​.​Might as well hang out in an alley until you're mugged by some dude named THE GENERAL (PGAC). lol
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Skye on 03/27/2009:
You do realize, automoblie insurance, is based on your credit score along with your driving record, previously filed claims and age. I do think you were totally ripped off, did you ever find out why they charged you so much??
Anonymous on 03/28/2009:
So, you took out a policy with no intention of following through on it? And yet when they took advantage of you, THAT'S unethical? You got what you wanted from them, and you paid $450 for it. Seems fair to me.
madconsumer on 03/28/2009:
if you knew you were going to cancel the policy once you got home, why didn't you look for coverage before signing the car purchase papers?

there are far more details to be heard from this ......
ea4134 on 03/28/2009:
All of your comments are true, but yes there are many details that are left out. Prior to getting the coverage, I informed them it was temporary and I was going to cancel. Never knew about a 10% fee of any kind. Due to a busy work schedule and school, took me about 10 days to get around to canceling. Once I called, they said I needed a written statement of my notice of cancellation, so that took another couple days to reach them, when I've had no problem canceling with GEICO over the phone with instant cooperation. I informed them about this temporary insurance policy I had requested. I even tried reasoning with them as far as saying look, I paid about $230 for half a month of insurance coverage. I got my car off the lot, you made money, I didn't get in an accident within that time period, prorate my initial fee so everyone goes home happy. Sounds logical right? Instead they taxed me $452 for 16 days = about $30 a day. Is that ethical? Seems like bad business equaling poor customer loyalty. Business is all about establishing good long existing relationships with regular customers. This $225 dollar prorate was a very bad investment and will definitely lose customers in the long run. The way I see it, they mess with my money, I'm going to mess with theirs. No false comments, no exaggerating, no extra anything. I'm going to tell it how it was, and I think others will think twice.

Bottom line, I just think that because I informed them it was a temporary insurance policy, this 10% fee for canceling was very pertinent information to leave out, in my opinion. It was my fault for sorta rushing because like I mentioned, needed a car urgently due to my position after losing mine to a drunk driver. I rushed, but this information from them should have been noted rushing or not.

Thanks for your comments, please post more so I can get some good feedback.

ea4134 on 03/28/2009:
old fart on 03/28/2009:
I have never heard of buying a few days worth of coverage for the purpose of getting a car off the lot... either you get auto insurance or you don't and normally you would go shopping for the best policy that suits your need..

Something sounds fishy here.
Are you in a high risk category??
ea4134 on 03/28/2009:
Well, have about three speeding tickets, 22 years of age, and it's a brand new car. I understand my monthly charge is going to be high. Price isn't a concern here, however. It is true that there are no temporary insurance companies, but that 10% charge should have been brought up. I know that's how they make their money, but I guess I wasn't told the fine print. I don't care if I was paying a thousand dollars a month, this %10 stipulation should have been mentioned at some point.
old fart on 03/28/2009:
Aha...that 'splains it...I won't sermonize except to say "slow down"! the money and the life you save may be your own....
ea4134 on 03/28/2009:
Oh yeah. Believe me I will. I got all 3 of them about 2 years ago and waiting for them to be dropped off this year. I take credit for 2 of them, but the other one, the officer was being a you-know-what. lol Anyway...
madconsumer on 03/29/2009:
"when I've had no problem canceling with GEICO over the phone"

yep, cause geico will drop anyone mid term. they love to whack peoples insurance rates.
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