AAA Complaint - Let Me Down After 14 Years
SAN DIEGO, CALIFORNIA -- AAA has let me down for the last time. After 14 years as a member and auto insurance policy holder with AAA, I am canceling my contract and never looking back. I put up with feeling overcharged for so many years because I thought it was worth being with a "reputable" company and that I would be well taken care of in an emergency. NOT TRUE!!! Their customer service is horrible and their policies regarding communication are even worse.
Last summer we relocated for two months and I had my mail forwarded but did not receive everything in time and missed a payment to AAA. By the time I realized what had happened, I called them to pay over the phone, and found out they had cancelled my policy with only one notification - a letter sent to me via standard post - which was also late getting to me. I hadn't even received the notification before they cancelled me! Patient as I am, I accepted the situation, payed the overdue amount to reinstated the policy for the current date and determined to search for another company as soon as possible.
After subsequently signing up with USAA and getting the runaround from them, I went back to AAA for lack of time and energy to research a better option.
This year we relocated again but I was wise; I set up automatic payment 3 months before we left so that there would not be another lapse in policy. Well, SURPRISE!!! They dropped us AGAIN!!! This time they said that the automatic payment was not processing properly, so 3 MONTHS LATER they sent a letter of notification that gave 10 days notice before they cancelled our coverage. NO PHONE CALL! NO FOLLOW UP! Just dropped without further notice. I had no idea there was a problem with the payment schedule and assumed all was well. Meanwhile I'm driving all around on So. California freeways with my four kids and last week drove to Tahoe and back, believing I'm safe and covered.
Apparently our policy was cancelled July 5. Yesterday, July 28, we found out about the cancellation because my husband called AAA to report a small, no injury, claim. The agent announced that we were cancelled and when I got on the phone to find a solution I was patronized and told there is no way to re-enact the policy retroactive to the lapse date.
After 14 years of loyalty and coming back for more, putting my trust and faith in AAA to protect my family, paying them THOUSANDS of dollars, this is the thanks I get - "I'm sorry ma'am, that's our policy, You can go ahead and tell us what you would like us to do and when you're done talking we'll tell you how we do things." I'm just very grateful that no one was seriously injured during that "lapse" in coverage.
The bottom line is - AAA has TERRIBLE COMMUNICATION skills and insufficient notification when something is wrong. BAD SERVICE!!!! Interesting how they hold me responsible for paying on time, making sure the mail goes through, but when it's their mail that doesn't go through, they won't accept responsibility and REFUSE TO WORK WITH US to find a solution. The best part is, after 14 years of taking THOUSANDS OF DOLLARS from me, this whole fuss was about an overdue amount of $64 and change.
Yesterday I lost it emotionally. I felt betrayed by the very people I had payed to protect me. I realized that my peace of mind is at stake. HELP!! is there such a thing as an honest insurance company that actually cares about people? Or is it time for a revolution against the insurance scam industry?