Unitrin Direct Auto Insurance Complaint - Bad experiences with this company
About a year ago I was looking for an insurance quote. I thought myself internet-savvy for shopping so I got a couple of quotes online. Unitrin Direct (UD) quoted a great price for the same coverage as the others listed, so I went with them. The company offered a discount for instant payment for a full year so I went with that option.
About a month later, I got a notice from the company stating that they were increasing my bill. Increasing my bill? How can they do that? I had already paid them the full amount, I thought. Little did I know, auto insurance companies have what is called a "binding period" on all policies. In effect, the binding policy means that the contract between you and the company is not effective (binding) until 60 days have passed since the beginning of the policy. The company stated as a reason that they were increasing my bill that my previous insurance coverage was a "no fault" insurance. But didn't they know what coverage I previously had when I initiated the contract with them? Of course they did! So, I was stuck with paying the company another more money that I never agreed to originally, because it had been less than sixty days since I established coverage.
That is not the end of my story. Naturally, I had chosen to use a different insurance company the following year. The new policy rate was cheaper and with a more established company. When the new policy went into effect, however, Unitrin decided it was going to withdraw money from my bank account, even though I had told them previously that I was not continuing coverage. They said they had no choice, because the payment had already been posted. When I checked with my bank, however, they said no such post was made, and that the funds were instantly debited. Unitrin then stated that they would issue me a full refund within 10 days by mailing me a check. Why they couldn't simply credit my account I have no idea, but after three weeks of waiting for a check, they still had not sent one. I contacted Unitirin again, and they stated they had not sent the check to make sure the last payment cleared. But no check in three weeks after they told me 10 days?
My advice to you--do not get car insurance with this company.