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Travelers Insurance Company Auto Insurance

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Posted by STAYAWAYFROMTRAVELERS on 01/17/2008
RALEIGH, NORTH CAROLINA -- I just got insurance with Travelers Insurance Company. I was happy with the rate until I made a stupid mistake of calling them to see whether everything is okey with the papers. It took like an hour of interview with the customer representative and somehow she decided to put my old roommate (I even don't know his name correctly) under my insurance. We were just living in the same condo with separate rooms and bathrooms, and I even did not know that he got a learners permit long time ago. I was frustrated with her adding him under my insurance without my consent. I will hopefully be able to cancel the insurance and get my money back. It would be hard though. I can't believe that these people are still in business.

No wonder they do not accept credit cards since they are doing dirty business! STAY AWAY FROM THEM!!!
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Posted by Anonymous on 2008-01-18:
Something doesn't make sense. I am assuming you are refering to auto insurance. How is your old roommate tied to your car? If the person is no longer your roommate how would Travlers know to add them on to your insurance.

Was your old roomate allowed to drive the car in the past and received tickets or was involved in an accident?

There seems to be more to this story.
Posted by spiderman2 on 2008-01-18:
I agree. I have had roommates in the past and never had them on any of my insurance.
Posted by STAYAWAYFROMTRAVELERS on 2008-01-18:
I agree, it is ridiculous to add him to my coverage. My old roommate has no connection to the car. He never received tickets or involved in an accident. I even did not know he had a learners permit.
Posted by GothicSmurf on 2008-01-18:
If he is living in your house (you have the EXACT same address) and he has a drivers license and no car or insurance, they can legally add him to your policy. The reason is that he has access to your vehicle at any given time. If you are not living together, you'll have to go out of your way to prove it. Perhaps he never changed his address on his permit/license? Nor did you? If you have two DL's listed at the same address and admit to having lived at the same place, they can add him. It's up to you to prove he doesn't. Good luck.
Posted by jenjenn on 2008-01-18:
I have travelers for auto & home owners. I've had great customer services experiences since I switched over...and saved a lot of money to boot.
Posted by Ponie on 2008-01-18:
I like their commercials.
Posted by STAYAWAYFROMTRAVELERS on 2008-01-18:
Many people have the same mailing adress in this country. It is still hard to understand how come he can be forcefully listed under my insurance without my consent. Also, how in the world do and why do I have to prove he moved?
-Don't believe in the commercials either. It is us who are paying for these commercials!
Posted by STAYAWAYFROMTRAVELERS on 2008-01-22:
Update: The company decided to cancel my full coverage and charge me for the highest possible amount of liability. All beacuse my ex roommate did not have enough CREDIT HISTORY :-) Such a lame excuse to rip off a customer. I got insurance from another company and still trying to get my money back from them!
Posted by GothicSmurf on 2008-01-24:
1. You won't get money back from them. You had coverage from them for a specified amount of time. To even consider being able to get money back from them, you'll have to prove your ex room mate is NOT living with you and that no other licensed uninsured drivers are there either.

2. If the other insurance company thinks your ex roommate is living with you, you'll go through it all over again.

3. If the insurance company thinks another licensed driver is living in the household they can and will add them UNLESS YOU can prove they are not living there OR they have other insurance.

4. If you never changed your DL to your new address and your roommate never changed theirs it shows you are living at the same address. Your DL is supposed to have your CURRENT address (with in 30 days of moving)
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Unresolved claim
Posted by Victim Ruth on 12/18/2007
CHEVY CHASE, MARYLAND -- I have just had an experience with Traveler's insurance that was not only frustrating but also profoundly unjust. One of their policyholders hit my brand new car when I was stopped. It was patently clear to the Traveler's employee who came to look at the car that it was not my fault. And yet I could not get Traveler's to act on the claim. After driving around with a damaged new car for 2 and a half weeks with absolutely no cooperation from Travelers I had to go to my own insurance and pay the deductible. I am hoping that my insurance company manages to recover this money but given the Traveler's uncooperativeness there's not guarantee that it will happen.
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Posted by moneybags on 2007-12-18:
Contact your state's Insurance Commissioner.
Posted by GothicSmurf on 2007-12-18:
There is some information missing-

Did the other party contact his insurance? THIS is the big thing. Even if you contacted them and he did not, there is nothing they can do until they get confirmation from the other party.

Sadly though, that is how insurance works and why you have it. If you cannot get the other person to "fess up" you can use your insurance and subro for the dedictable.
Posted by Anonymous on 2007-12-18:
Isn't that how it is supposed to work? Your insurance company works for you, to pay your claim and recoup the loss from the other company. You shouldn't ever have to deal with the other company directly.
Posted by GWbiker on 2007-12-18:
I had the same issue with a State Farm insurance driver who hit my car. After obtaining a police report which listed the other driver insurance info, I directly contacted State Farm to file a claim. It took 30 days, but her insurance company repaired my car to my satisfaction and even furnished a rental car at no cost to me. BTW, the other driver was operating her car while on a suspended license.
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Stay Away from Travelers
Posted by Honestj on 03/08/2010
My sister was hit by a traveler insured driver at an intersection. The Travelers insured driver ran through a stop sign at a T intersection going 55 and hit my sister passenger side door while she was traveling 40 on the road obeying all traffic laws. She fractured her neck. This was back in 2004/2005. Although the police report holds her absolutely unaccountable, Travelers refuses to pay her medical bills. They have done nothing but delay the trial. Meanwhile my sister had to drop out of school where she had a 4.0 and played collegiate sports..she is in constant pain and will need at least 2 or three surgery's in the next 20 years..right now she is has extreme injury throughout her back and experienced traumatic brain injury (her memory is clearly been altered since the accident, we all notice a change). Her life has been on hold for 5 years. They have been hiring private investigators to follow her and found nothing. They now "hired" a doctor to exam her which she just left and apparently he did not xray her, MRI her, and barely touched her back saying she mysteriously developed fibromyalgia and the fact she can't lift her arms above her shoulder are because of this disease that developed and not due to the fact she was t-boned in an accident in which the combined speed was 110 mph and the only reason she lived is because of her air bag.

WHY WHY WHY!!! They are ruining her life! She was a victim of a travler insured driver..she will never play college sports again, she can barely make it through the whole day with out pain... TRAVELERS IS EVIL! THis is not right! Please help me get this company its due! I will go on television, I will talk to reporters, I will do anything!!! This is not right... they should pay for her medical bills so she can go through a day without extreme pain!! Anyone with suggestions please let me know!!!

Apparently, because she has soft muscle damage the insurance company sees this as a pass in which they can get out of paying her on behalf of their client...My sister does not deserve this!!

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Posted by spiderman2 on 2010-03-08:
Does your sister have an attorney? You indicate that she suffered a traumatic brain injury but then you indicate that the injuries are soft tissue injuries. These are two very different things. I would suggest your sister talk with her attorney if she has one and if she doesn't have one, she should find one to help her settle her claim. If this happened 5 or 6 years ago, it is probably far too late to file suit, but a qualified attorney can help your sister negotiate with Travelers.
Posted by Soaring Consumer on 2010-03-08:
In addition to Spiderman's recommendation you may want to consider filing a complaint with your state's insurance commissioner. Their behavior is absolutely unacceptable and they probably spent more on trying not to pay than they would had they just paid what is owed. Just stupid.
Posted by PepperElf on 2010-03-08:
spidey - best answer

i was just listening to an accident-victim attorney advert on the radio. it sounds like something the family should consider
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Travelers Insurance - Your Screwed If Your Hit By One Of Their Insured
Posted by Hit victim on 03/10/2011
Travelers Insurance refuses to pay damages even if damages are written in police report. Police report specifically states their driver was at fault, and that I was NOT. Report also states damages were caused as a result of the accident to sections 3 and 4 of my car, and Travelers only wants to cover section 4. Since section 3 is damage done to passenger rear door, it is obvious why they do not want to cover it, as this would be more costly. This insurance company is rude, and horrible to work with.

They state they try to contact you "multiple" times, even though they only leave ONE message.
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Posted by BEJ on 2011-03-10:
Have you informed your insurance company of Traveler's response. Perhaps you could get your car fixed on your insurance and then they could have the job of going after traveler's.
Posted by MDSasquatch on 2011-03-10:
BEJ is right on target; that is exactly what I had to do when I was plowed by a teenager insured through Erie and I was getting the bumrush
Posted by leet60 on 2011-03-10:
Insurance companies for the "other party" in an accident will ALWAYS try to lowball you. If you have not already done so, as BEJ posted, get your insurance company involved immediately.
Posted by Kurizumaru on 2011-03-11:
You can also sue the other driver for the cost of damages and let him/her figure out how to get their insurance to pay up.
Posted by mike on 2011-07-05:
car was robbed and travllers insurance will not paid my
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Loyalty Gets You Ripped Off
Posted by Gooch on 02/12/2008
MERRICK, NEW YORK -- I am a Travelers customer for over 20 years-I recently priced car insurance from 3 companies and found out I am overpaying as much as $2500 a year. Yes that amount is correct and I have had 0 accidents and between my wife and I drive 12000 miles a year-thats nothing. The best part is that one of the companies I checked was Travellers themselves; I input my current coverage from them and got a quote of $878 for 6 months.

That's $976 less than they charge me now. I called them and was told my policy started in 1985 was a different kind of account. Outrageous.
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Posted by madconsumer on 2008-02-12:
how much was your insurance per year if you could save $2500? and for what? mine is about $1200 for full coverage with zero deductible.
Posted by Anonymous on 2008-02-12:
It seems the longer you are with an auto insurance, the more your policy is. The same thing happened to us. They raise it every year even when you have no accidents or tickets.

I checked new insurance last year and went with Ameriprise, through Costco, and we are saving that much per year too--for the same exact coverage (full).

Mad--It depends on where you live as to what rates you are being charged. You will always pay more if you live in or near a big city.

So, if you want to save money, everyone should check their insurance out every couple of years to make sure they aren't paying more than they need to.
Posted by GothicSmurf on 2008-02-12:
It's always good to shop around. If you did your qoute online, there may be some information that is missing or wasn't asked for a generic quote that might change when the policy is written.
Posted by spiderman2 on 2008-02-12:
It does pay to shop around! My insurance on a 2003 Honda Odyssey is only about $700 per year with no tickets and no accidents. PA must be way cheaper!
Posted by jenjenn on 2008-02-13:
That is interesting. I switched to Travelers last year for homeowners and car insurance and it saved me like $300/year. My rates are the lowest I can find.
Posted by gooch on 2008-02-13:
Thanks for the comments-I spoke with Travelers last evening and was told my policy was set up under a different plan in 1985.(It was through my employer with a payroll deduction);they also said they are in the process of changing their rates in NY and asked if I wanted to be switched to someone who would give me a new rate. I files a complaint with the NY dept of Insurance and will wait to see what they say. My new insurer also gave me a great price on an umbrella policy which travellers refused to offer unless I switched my Homeowners policy to them. I stupidly had it in my mind for years that staying with the same company was a benefit in case of an accident, which I have never had. I really believed it was a highly competitive area and the prices wouldn't be much difference. About 10 yars ago I did check and my saving was going to be $75 a year; really not worth switching.
Posted by GothicSmurf on 2008-02-14:
In order to have an umbrella policy, you HAVE to all all property lines at one company. The more policies you have, the more/bigger/better discounts you are eligible for.

What is the NY Dept of Insurance going to do? They were charging you more than you liked? Insurance companies can set prices on their own. Some are higher, some are lower.
Posted by prairecwby on 2008-06-10:
well well well, you would think that a company that has been around for ages would be very honest and upright, or as least in the day and age of fly by night insurance companies online. well you need to avoid auto insurance with this company at all cost.

yes, they gave me a great rate on the front end, but then the letters came in weeks later about increase due to claims showing up on reports that go back 5 years. I was honest and up front about the one accident I had when I was at fault in 2005, but this company does not tell you that they are going to increase your rate if you have ANY claim, your fault or not. So since I was hit by a driver in 2004 and my insurance did not even have to pay the claim. I have to pay a rate increase with travelers. I asked them how they can fault a person that has no control over someone else hitting your car or truck and they reply it is just the way they do it, and you are welcome to shop for other insurance, which I am doing at this time, but I am very upset with the way they do business and needed to vent somewhere and get the word out. Be aware, you will get a good rate at first, but you will be shopping again in 2 months when they nickel and dime you to death.
Posted by JJPSR on 2008-08-11:
Posted by gooch on 2010-01-12:
I didn't have an agent; the policy was something my company did through payroll deduction. I received a bill every year and after checking one other company and finding that maybe I paid $50 to $75 more a year, I didn't bother switching because back then the payroll deduction was worth it. I stopped checking. Travellers stated that the low quote I got from them was for another company they represented even though I got it on their website and no other company was mentioned. The policy went much higher when my daughter was added as a driver, and never went lower after she had her own insurance with a different company. They put her down on my policy every year stating that if she lived at our address they had to list her. NY State insurance said I had no case because as the Travellers rep. stated, "we sent you a policy with a price and you accepted" screw me
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NOT the company to have if you have a DUI
Posted by Rlormor on 08/22/2007
OHIO -- I had Travelers Insurance as my auto insurance coverage from about 2000 - 2007. Mostly, I was quite happy with the premiums. I never had any accident claims, so I cannot comment on the claims service.

However, I received a policy renewal notice from them in August of 2007, as I did every August as my policy always expires at the beginning of September.
Well, they had found that I had a non-accident-causing DUI on my record from December of 2004. I feared that it might eventually show up (there is nothing else on my record), and that I would almost certainly pay a higher premium. I understood that. BUT, they rose me from a yearly premium of about $1600 for 3 OLD cars (a decent rate) to a yearly premium of over $10,600!!! ...A rate hike of over 800%!! I about fell over in my chair when I saw that, and then had it confirmed on the phone. Even the Travelers rep was surprised!

For all of you drivers with a blotch on your driving record, I was able to secure HIGH-RISK coverage from Progressive Insurance Co for LESS than my REGULAR, NO RISK rate with Travelers ($35 per month less!). THAT almost made me fall out of my chair too! :-)
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Posted by Anonymous on 2007-08-22:
All auto insurance companies check DMV records for liability risk assessment.

$1600 for yearly auto premium. Ouch.

I have a 06 BMW and paid $600 (full coverage)with $250 ded. via GEICO.

Time to shop around for another auto insurance company.
Posted by moneybags on 2007-08-22:
But it was YOUR DUI. Better maybe if you didn't drink and drive, even if there was no accident.
Posted by abobo on 2007-08-22:
Let he without sin cast the first stone, moneybags.

Shop around rlomor, maybe you can find something better?
Posted by jktshff1 on 2007-08-22:
Drunks don't need to drive...no sympathy here. you deserve whatever you get.
You don't care about who you may hurt.
That is just not a BLOTCH on your record...you put other peoples lives on the line....you don't care and that statement is justified by your own admission.
sorry, can't say any more.
Posted by Justusryan on 2007-08-22:
here's my stone. stop driving drunk.
Posted by rlormor on 2007-08-23:
It's OK - I can take the stones.
What I did was idiotic.... No excuses.

I'm just laying out the information here for anyone who makes the same dumb mistake.
Posted by jktshff1 on 2007-08-23:
Thanks rlormor...I apologize for the rant
Posted by Anonymous on 2007-08-23:
Rlormor--it sounds like you learned from your mistake, so kudos to you. Are DUI's ever wiped off your record (5 years) like other offenses? Just wondering. FYI--rates vary upon where you live. So it's hard to compare rates with others unless you live in the same city.
Posted by GothicSmurf on 2007-08-23:
Insurance person to the rescue:

Here's my thoughts on this. You got "away" with driving with a DUI on your record for MANY years... I have a feeling that you thought that it wouldn't come up... but insurance companies can AND DO periodic and random checks on their insureds. And it's legal, for reasons like yours. I bet you never disclosed to them that you HAD a DUI.

Also, having "old" cars still doesn't tell me what kind of coverage you could have on your vehicles. I've known people with cars who are over 15 years old with FULL coverage on them. So you could have full coverage, max liablility limits and possibly could have gone from a preffered rate to a substandard rate. There are way too many factors for me to get a clear picture of what's going on.

You could have had other tickets that the insurance company "forgave" unless you got another ticket with in X amount of time that could have bumped it up.

It's an unknown...

And now for my stone: I don't feel bad about them raising your rates. Would you rather pay an additional $10K to an insurance company because of your mistake, or use that same money to pay for the funeral expenses of a person whom you killed while driving drunk?

I used to love getting holier-than-thou drinkers in my agency. I can't tell you how many times I've heard, "Hey, we've all driven drunk at least once in our lives..." My reply had always been, "I've never driven drunk. Ever. And viewing your record it looks like you've done it X times... not just once." The looks were always priceless.
Posted by downingroove on 2007-11-17:
I'm both an insurance agent and a former drunk driver. I will cast no stones- it sounds like you're fully aware of your mistake. I did the whole payback thing- jail, revoked license, fines, rehab, lost insurance, lost vehicle, and every bit was well deserved. I've been sober for 6 years. After getting my license back, I paid pretty reasonable insurance rates through Progressive. And now the DUI is off my record, and I recently obtained insurance through Geico with great rates. Travelers offers great rates as well, though (as mentioned before) there are sooooo many variables: location (if your neighbor is in another zip code, you could be paying a radically different premium), your age, marital status, other household members, their driving records, not to mention your own driving record. I'm actually a little surprised that Travelers didn't just cancel your policy (not just for the DUI, but for not disclosing it), but you are correct that Travelers may not be the best company for "high-risk" operators.

Just a side note- I have a feeling that when most people only have 1 DUI, it just means that they've only been caught once. That was my experience, anyway.
Posted by old fart on 2007-11-17:
Downingroove...I drank heavily from the age of 21 until I was 27. During that time I never had an accident or a ticket, which I can only attribute to the sheerest form of good luck. I have been a friend of Bill W's for 32 years now and say a little prayer every day that I didn't kill myself or someone else. Insurance rates are least of a drunks problems.
Posted by IDIOTIAM on 2008-10-04:
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Travelers Insurance Company: A vicious, scandalous, agency of crooks
Posted by Watches on 09/24/2009
I got into a wreck with one of Travelers' insurers. It was not my fault to start with, however, the adjuster wanted a tape recorded conversation, then wanted to visit my house. As if I were lying, even though the other party admitted to be at fault, I felt like the adjuster was interrogating me. Then, the adjuster offered pennies for my loss and they're concierge center gave the lowest estimate to fix my car. The estimate they gave would not be half way enough to fix my car. Dealing with this insurance company is a big headache. I feel sorry for anybody who has to deal with them. They will give you the run around and they care nothing for their insurers or the loss claimee's. I think they should be outlawed. So, don't look forward to resolving any claims with Travelers unless you retain an attorney. These people are non caring and ruthless. I would recommend that consumers run far, far, away from this company because they do not have no one's best interest but theirs. I am completely dissatisfied with them and plan to contact The Federal Trade Commission and The Insurance Commission. This is the only way to resolve conflicts like this because these agents don't respond, so a Government official is likely to be able to put fire under ther noses!!!!!!!!
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Posted by Anonymous on 2009-09-24:
Why isn't your own insurance company dealing with them?
Posted by JR in Orlando on 2009-09-24:
Travelers is doing a great job for their insured. You are not the customer, but their enemy. They don't want to pay. You want them to pay. Who ever said they should be nice to you or resolve the issue. Of course, they think you are lying and exaggerating the claim. Wouldn't you if you were in their shoes?

You chose, YOU CHOSE, not to get collision and comprehensive on your vehicle and this is the price you pay for not doing so. If you had, your insurance company would have fixed your car and done all this. Since you chose not to, you have to deal with settling the case and suing if necessary.

If you are asked to give a recorded statement, tell them you want to record it also, so that you have a record of what was said.
Posted by goduke on 2009-09-24:
What makes us think that the OP doesn't have collision of their own?
Posted by jenjenn on 2009-09-24:
I'm sorry, but Geico is the king of crooks.
Posted by JR in Orlando on 2009-09-24:
If the OP had collision, they would not have been as involved in the process of dealing with Travelers. The statement would probably been taken by their own insurance company, who would forward it to Travelers. Also, the op would have gone to their own insurance company for the estimate, not travelers, and would have gotten a more reasonable estimate. This makes me think there is no collision coverage on the op's vehicle.
Posted by MSCANTBEWRONG on 2009-09-24:
The OP's insurance company should be dealing directly with Travlers not the OP.
Posted by JR in Orlando on 2009-09-24:
Your insurance company will only deal with accidents involving the type of coverage you have: If you have no collision, they will not deal with damage to your car or collecting for damage to your car from the other insurance company. It is outside your policy and they have no duty to do so.
Posted by QKC on 2011-05-31:
As someone that works for an insurance company, let me explain why recorded statements are taken. Everyone lies to their insurance company. Common example: each party claims the other merged into their lane. Somebody is lying, but we don't know who, so we just side with our insured. Face to face meetings are common in injuries because again, many people lie. It's disgusting how many people claim injuries from minor, minor accidents. There are so many opportunists who get their bumper tapped at 1 mph in a parking lot and suddenly they are wearing a neck brace and have an attorney. Also, estimates are exactly what their name implies. If the body shop thinks it will cost more to fix the car, trust me, they will call the insurance company. Also, if you get an attorney on a minor accident, you're stupid. They take your money and they draw the claim out for months and months.
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The Best Company for My Needs
Posted by Wmlk on 10/25/2013
My friend borrowed my vehicle for a job interview. She had an accident and totaled my car. Travelers took care of everything quickly and professionally. The prices are competitive for the coverage. I would recommend a price quote to anybody. You may be pleasantly surprised!
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Great Service
Posted by Surose on 10/05/2013
I ran over something on thehighway late at night. It took off the front bumper and did some damage underneath the car. The next morning, I went to look over the car and saw the damage. I called Travelers that morning. The insurance adjuster came out within 24 hours. I had a rental vehicle that day and throughout until I got my car back approximately 9 days later.
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The Best Insurance Is Processing Claims and Level of Professionalism.
Posted by CustomersAreIdiots on 05/17/2013
I was involved in a minor car accident where the other party ran a stop sign. After the police completed their report, I notified my Issuance Company (Travelers Insurance) and explain to them what happened. My information was taken, police report was submitted and the rest was history. In less than 5 business days I had my car back from the shop and was reimburse for my deductible.
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Posted by Alain on 2013-05-18:
Since Travelers floods consumer sites with phony compliments, I can't trust any of their 'compliments'. I certainly wouldn't trust Travelers insurance, either.
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