Travelers Insurance Company - Page 2

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4.2 out of 5, based on 88 ratings and
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Posted by on
KNOXVILLE BUSINESS CENTER PO BOX 59059 KNOXVILLE, TENNESSEE -- While having my wife treated in San Antonio, Tx for Ovarian cancer on May 14, 2010, I was involved in an auto accident caused by another vheicle. The other vehicle crossed 8 lanes of traffic, hit a school bus with children on it, and then slammed headon into my car disabling it. I had been called by the hospital treating my wife that she was on the verge of expiring. After calling 911, and checking the children on the bus a lady who witnessed the accident drove me on to the hospital while my son stayed at the scene of the accident to handle the paper work. Within the hour my wife had passed away. When I contacted Travelers Ins about the need of a rent car, for which I had paid coverage, to drive back home to Mansfield, Tx and to follow the transportation of my wife's body back home, I was told by Travelers that even though my policy covered rental coverage, until disposition of fault was established, I was on my own and no reimbursement was to be expected if I leased a car prior to a determination of fault. I paid a man $150 to bend the fenders off my front wheels, had no headlights or brake lights and drove the car 300 miles home in a rain storm. After no less than 15 phone calls to Travelers, including the agent that sold me the policy, 14 days later my car sits in my driveway awaiting authorization for repair and still no rental car...............Look elsewhere for automobile coverage, these people only want your money up front and have no desire to serve their customes when the need arises. Anyone wanting to follow up on this situation please feel free to ref my policy number (982114048 122-1. SAPD case0-0351835) with Travelers...Look elsewhere for coverage my friends !!!!!



This is a follow up to the statements above....................

Finally on June 01.2010...........17 days after the accident noted above, I was finally authorized a rental car for which I had paid for in my Traveler's policy coverage originally. Also 17 days after the event I was told by Travelers I could I have my heavily damaged car deliverered for repairs. Although they acknowledge that that USAA Policy number 091381015 7103 was totally at fault as noted above for impacting and heavily damaging my car, and that policy holder had full coverage, I would still be held liable for a %250.00 deductible. Again, I repeat............Find some othe Insurance company to do business with...................Travelers Auto Insurance will not be there when you need them nor will they honor their policy obligatinos. They're only there for your premium......Again my Policy number is 982114048 122-1.My policy is up for renewal 6/12/2010................I will not be renewing with Travelers AND HAVE ALREADY SELECTED A REPLACEMENT INSURANCE COMPANY
     
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Travelers Insurance roof repair runaround
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HARTFORD,, CONNECTICUT -- I have had Travelers insurance for 10 years on my home, cars I live in Vermont
Until now I have never filed a claim at my home, I have done many repairs on my home instead of calling in a claim, garage roof leaking water pipe in the wall breaking.

My wife noticed a large wet stain in our bedroom roof I felt the tiles and they were wet, so I went upstairs to our storage attic area and I fond water damage on the boxes, floor, now I have 2 roofs that connect but are separate from the main roof. they were additions built long before I bought the house. I'm only wanting the addition roofs fixed 2 20x20 sections not the whole roof.

So I call the insurance company and was told as long as the estimate does not go over 3200$ no inspector/adjuster is required send the estimates and the work can begin. great I thought. So I called 2 company's The first was a little company run by him and his wife who is struggling because he is a small independent no crew company does the repairs himself. So his estimate comes in at 3k.

The other company comes in a marked truck and 3 guys that all just came from a job so they stopped to do the estimate before going home. company has been in business for years good references quality work dealt with many insurance company's. he writes the estimate for 3,111$ and explains that all will be fixed new tin/damaged insulation and bedroom roof tiles.
2 days later I get a call from said insurance company wanting to know why their difference in price then all of a sudden they want to send an inspector out (lie #1 all estimates were under 3,200 was told no inspector needed)so this barely out of college shows up and proceeds snow ball me he now all of a sudden is an expert on roof repair and an expert in fluid dynamics thanks to an insurance company run training is OPINION is it was leaking a long time and thus may not be covered, I said of course the water has to soak through the insulation first before it seeps into the bedroom tile the snow/ice had been sitting on the roof due to the ice dam for a few weeks now as luck has it its warm and its all melted so evidence of all the buildup is gone. still ice under the tin and old roof proving its leaking under the tin. he said they may PAINT over the rusted tin and fix some flashing that's about it never mind the water damage to the insulation and mold risk of an asmatic wife. so because I choose a reputable company over a one man band company I sit water seeping cause more damage and I am told I can not attempt to correct waiting knowing it will be denied after 10 years of paying more than enough to pay for the whole roof 5 times over. so much for a friendly old Englishman with an umbrella he closed it eating his crumpets with pockets full of my money saying so long chap thanks.
well 6 months they paid 700$ and then hiked my rate and my mortgage went up 5% because of them we called and they said they would adjust our policy in other words give us a lesser policy to bring it back to where it was so I pay the same and get less than I had before.
so to recap I paid 3200$ to fix the roof and they gave me 700$ and raised my rate....after 10 years of home and my cars with them I more than paid my fair share to these crooks.They are crooks
     
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Unbelievable
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INDIANAPOLIS, INDIANA -- We had a hail storm this past year that was bad enough to prompt repairs in the area. After several roofs went up in the neighborhood we called a contractor. He said He saw damage that needed repaired. Our adjuster came out and said our roof was too steep to walk. He was offered all the necessary safety equipment needed to inspect my roof. He said no and that He would have an answer no latter than 3 days. No call from anyone until we called. Apparently an engineer was hired and we were not notified. Travelers will not call you until you call them. They should be called Voice Mail Ins. We even called customer service and they could not get a hold of the adjuster or the supervisor. We finally heard an answer 1 month and 2 weeks later. They seem confused when you ask them what the issue is. There was over a dozen homes inspected, approved, and new roofs installed in my neighborhood in the same time it took them to get an answer. Their whole back bone is that engineer report. They feel that answers everything, yet the report says in our opinion. They decided that we should replace each shingle that was damaged, approx. 10. Minor, but it is damage. There was other damage on screens, caps, and down spouts that was minor and overlooked when discussing fixing all damage. Travelers is well trained in avoiding the issue and avoiding responsibiltiy. Customer service is definitely non existent. My broker tried to get a hold of them and he was bounced around and ended up in a mess of voice mails. I have heard similar things from customers in my neighborhood. One neighbor said it had been over a month as well and that he was going to have to re-measure because he used pencil and it got wet and he could not read his writing. Really! I'm better off switching Insurance co. and waiting for the next storm and get another opinion and inspection. Must be nice to be an adjuster and not inspect damage and make your own conclusion. By the way, the engineer is about $1500 a pop. What do you think he is going to say. Like the contractor said, engineers get paid to say no. UNBELIEVABLE!
     
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caveman54 on 2010-01-09:
the only advice is to send a complaint to your State insurance commissioner, that will make them respond.
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Customer Service Was Friendly, Knowledgeable, and Responsive
Posted by on
Rating: 5/51
WINTER PARK, FLORIDA -- I inquired with Travelers about 'special events insurance' for my wedding day and within 15 minutes I had my policy emailed to me and paid in full. I ended up needing to purchase the insurance through the venue, so when I called back to cancel the policy, the reps told me since it was paid in full, usually they do not give refunds but to submit an email to their underwriting department. This worried me, as usually it takes a long time to receive a response (if you receive one at all) from these departments- but I was PLEASANTLY surprised to receive a response within 20 minutes and they offered me the cancellation since I would not need the services. Great customer Service!!! If ever I need insurance in the future- I will be going to Travelers.

Thank you again.
     
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Traveler's Saved Our Lives!
Posted by on
Rating: 5/51
DALLAS, TEXAS -- We lost our home to a fire on April 4, 2013 which started in the middle of the night in the attic above our second floor master bedroom.
My husband and I lost everything except the pajamas we were wearing...all clothes, shoes, jewelry, my wedding dress my engaged daughter was going to be wearing...everything. Everything that wasn't burned was damaged from all the water and smoke. Thankfully, other than some burns my husband sustained, my husband and I and our two children, who were still at home, were alright. We did, however, lose a pet.
During this very dark time in our lives Travelers was a blessing beyond words. There is not enough we can say about how great our content's person, Peggy was. she was always quick to respond, fair in our settlement and I could always count on her to give me insight into how to navigate some of the murky issues we were facing.
When people ask me what would I would tell others after going through this here is my response:

1. Install a smoke detector in your attic.
2. Take your phone and snap pictures of the things in your home, closets, garage and attics.
3. When shopping for home owners insurance, get Travelers!
     
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Dropped Coverage
Posted by on
Rating: 1/51
HOUSTON, CONNECTICUT -- I have been confronting Travelers Insurance for almost 5 years now. After agreeing to conservative treatment since 1992 without any issue with date of injury, cause of injury or anatomical site of injury they now drop coverage. In 2008 my condition had deteriorated to were more radical and of course more expensive treatment was suggested. They went into “delay, deny and wait for him to die” mode. Even though in the past they offered a settlement and paid for conservative treatments, now they dispute date of injury and anatomical site of injury and completely dropped coverage. They denied change of physician after I moved 1000 miles. They denied post-op medication following a pre-approved procedure. CI Analyst denied travel reimbursement because she couldn’t find location on Bing Maps and claims 143 X 56.5 = 81.02 and 81.02 X 2 =160.40! They have ordered and paid for four (4) M.R.I.s in attempts to deny coverage. They use disreputable physicians and reference M.D.s who are not in practice. They make fraudulent claims about my case. They refuse to put in writing what they say in a telephone conversation. In a just world this treatment would be criminal.

My condition has now deteriorated to the point that I am totally disabled and in constant pain. I have been unable to seek employment and was forced to move from my home. Because of my disability, my physical and emotional health have seriously deteriorated and I am on the verge of a breakdown. I am amazed how their employees can spend their days ruining peoples lives and sleep at night. I wonder what their excuse will be when they meet God.
     
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clutzycook on 2014-05-07:
You need a lawyer. That's the only way to get these companies to listen.
Soaring Consumer on 2014-05-07:
I suggest retaining an attorney and also filing a complaint with your state's insurance commissioner.
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My Experience and the Service I Received From Travelers - Outstanding
Posted by on
Rating: 5/51
LOS ANGELES, CALIFORNIA -- Immediately after the impact of my Audi vehicle being hit from the rear, I called Travelers insurance, my carrier, and received instructions as to how to proceed to get a loaner vehicle, they arranged with 24 hours to have an adjuster come to my home to view the vehicle, and then offered suggestions of where to take the vehicle for repair; once I selected a repair center, the vehicle was picked up from my home by a flatbed truck, and repairs proceeded. Great service, constant follow up to keep me informed, thanks Travelers, I have my vehicle back in as new condition as when I first acquired the car.
     
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Very Pleased With the Kind Consideration Involved With Claim
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Rating: 5/51
BALTIMORE, MARYLAND -- Danielle (who handled the claim) was extremely cordial, knowledgeable and able to answer my questions in great detail giving me comfort during a time a driver that had been found guilty on one DUI charge and had another case pending had collided with my car after speeding, driving recklessly and not yielding to my right-of-way.

Danielle, did a superb job holding up our end of the claim and quickly returning calls and emails.

Having an insurance company like this by my side and my wife's side, really makes the difference.

I work in the automotive field and will be the first to refer OR reinforce why anyone should continue to hold their policy with Travelers.

A very satisfied and confident customer.

Mike S.
Baltimore, MD
     
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Stay away from Traveler's Insurance
Posted by on
Rating: 1/51
ARIZONA -- I recently purchased a home policy with Traveler's Insurance. Shortly after they sent me a letter saying that my roof needed to be repaired and they wanted to further increase the insured value of the home. The roof is only 5 years old and had none of the damage they claimed that it had. Furthermore it's their job to insure my home against damages not to tell me when and if repairs are needed. Raising the rate is a scam to get more money. They wanted to insure my home for over 30,000 more than all the other companies I've worked with or gotten quotes from. Do yourself a favor if you're thinking about going with Traveler's Insurance and JUST SAY NO!!!
     
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Posted by on
Rating: 1/51
RICHMOND, VIRGINIA -- I purchased a homeowners policy from Travelers back in 2011 and thereafter properties were stolen from my home. Travelers refused to pay in bad faith the claim and said because I am a member of an LLC, who sold to me the properties and gave me written receipt for same and that I had to get proof from of purchase from SPRINT which I did. But, when I got the proof from SPRINT the items were more than they expected and around and about $20,000.00 more than my original claim were, then Martha [snip], the claim adjuster offered to settle my claim for the amount of the receipt from my LLC, because it was much lesser, when I refused the offer as not being full compensation for my total loss the Travelers after the closing of their investigation wanted me to submit to an examination under oath "when my policy clearly states if we or you fail to agree on the amount of the loss either my demand an appraisal of the loss" which I did demand an appraisal of the loss but Travelers refused in bad faith to follow the terms and condition of my policy.
     
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At Your Service on 2012-12-02:
With all respect, this isn't something I'd be taking to the internet. If we're speaking of such a large loss, you may be better to get an attorney involved.
Alain on 2012-12-02:
You might find the web site for the Commonwealth of Virginia, State Corporation Commission, Bureau of Insurance helpful ('File a Complaint' will appear on the left of the opeoning page): http://www.scc.virginia.gov/boi/index.aspx or you can contact them by phone at: 1-804-371-9967 (Richmond area-their physical address is at the Tyler Building downtown) or 1-800-552-7945 (out of area).
Old Timer on 2012-12-02:
Alain, best advice and info as always.
Alain on 2012-12-03:
Hi, Old Timer & thanks! It might take the OP some time on hold to get someone, but sometimes the gov't folks can be helpful if you give 'em a chance.
CowboyFan on 2012-12-03:
As I read it, the OP's property was stolen, and he provided a receipt from a company he owned or was part owner of (a limited liability corporation). The insurance company hesitated paying because the only proof was a receipt from a company the insured owned a part of, e.g. I (my company) sells to me a watch, for which I (my company) gives myself a receipt for $15,000. One might reasonably expect the insurance company to want to see that I (my company) had actually bought and paid $15,000" for such a watch from some third party wholesaler, and that claimed receipt was not merely an inflated value.

When the OP's company comes back with proof from a third party wholesaler as to what the OP's company had paid for the property, it was found that the price paid by the OP's company was higher than what the OP's company had sold the property to the OP for, I.e. OP's company sold the property to the OP at a price less than the OP's company had paid for it, which is unusual since most sellers want to make a profit.

The insurance company is now willing to reimburse the OP for what he paid for the items, but the OP now wants more than what he paid for them (which is really the insured value). He wants the price that OP's company had paid to the third person wholesaler, not what the OP's company had sold it to the OP for. This would give the OP a bonus above insured value.

Unless the insurance is for cost of replacement value, the insured value is price that you paid for it. Thus, if you get a coat on sale for $50 that is worth $100, when it is stolen you only get the $50 you paid for it - not the bonus amound of $100.
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