LEESBURG FL -- My car was hit by someone that cut My daughter off. She was driving at the time because I could not and stopped all the sudden not giving us time to stop. However even waiting for the police and getting police reports and everything Direct General decided that they're going to deny my claim. The claims representative that was set to attend to my claim not only treated me really bad and in a demeaning manner. Before even talking to the reviews department decided she was going to not pay for my car. I pay for full insurance coverage so now I'm here stuck with the cost of fixing my car.
I have never experienced this with having full coverage. When I was with Allstate and Geico having full coverage all I have to do is make one phone call and the insurance did the rest. Direct General doesn't do none of that for their customers. The customers have to do everything even though we pay so much. This is been the worst experience I have ever experienced in my driving career and the only reason they're stating is because my daughter is not listed as an occupant of my home. Not even as a driver but as an occupant.
My daughter temporarily moved in to help me and my health situation didn't think nothing of that. They did not care again. Direct General will not ever recommend that anyone. I have made a claim to the Better Business Bureau and have an up-and-coming interview with Channel 6 news regarding this situation. I feel that if I have full coverage and paying and never missed a payment or been late for payment I feel that I should've been treated with better respect and understanding and my car should've been covered.
ORLANDO, FLORIDA -- Policy grace period due on Sunday, October 13th. On Saturday, Oct 12th I was trying to make a payment and the system was down, also I tried all day on Sunday to make the payment and still the system was down. Finally, I was able to make the payment today Oct 14th but they canceled my policy. I called and they said there is nothing they can do, now I have to wait 10 days for my policy to be reinstate when it wasn't my fault. Was this Company's fault. They are very quick and diligent to charge money but not to help a customer when it wasn't the client's fault.
SANFORD, FLORIDA -- Thursday, 4/14/16 Isiah ** (driving a 1995 Toyota Corolla insured by Direct General) hit my boat and trailer that I was hauling on I-4 in Sanford, FL. Florida Highway Patrol responded. I had to pay to have my boat towed to my house. The next day, a Direct General representative called to say I would be contacted by the claim representative assigned to my claim on how to proceed after an estimator evaluated the damage. I received the following email: "Please forward estimate and photographs for the boat and trailer. Thank you. Markesha **"
This is the only written correspondence I ever received. Other than her email address being **, you would not know who sent this email - it lacks the most basic company info (name, address, phone #, etc). Totally unprofessional. I went into detective mode and got the information myself. I got on the internet and found a toll-free number to report a claim for Direct General (because you WILL talk to a REAL person if you call to REPORT a claim). The phone representative was very helpful. He gave me Markesha's phone number, her supervisor's name and phone number and the fax number to fax info to and a mailing address also.
This was after numerous email requests to Markesha ALL went unanswered. Markesha absolutely NEVER answers her phone and I never received any callbacks when I left messages. Her supervisor, Rebecca **, did answer her phone and she put me on the phone with Markesha, who informed me that I would have to take the boat and trailer and get estimates (as they do not insure boats and have no idea how to estimate damage).
After the hassle of hauling the damaged boat and trailer to 2 shops (and paying the high marine labor rate) for an estimate, I sent all the paperwork to Markesha and heard nothing. The single email is the only contact I have had from them - all other contact is me trying to engage them. Last weekend (July 9th), I called Ms. ** again and was told that the claim was denied due to a "garaging issue". Mr. ** driver's license address is Danville, VA. His car tag is VA and his Direct General Policy number is VAPD-**. All of his info shows state of Virginia.
Direct General says he either lied or moved and failed to inform them. (I have yet to receive any correspondence to verify this info.) I asked them how they could verify (no actual response), but my insurance representative says they access license plate reader info (BIG BROTHER). Since Florida is the vacation capital of the world, I fail to see how your car being there would indicate you live there rather than you are just visiting or on vacation. This did not seem to be an issue when they were taking his premiums.
Is there anything I can do? Is this legal? Direct General actually caused me to incur additional expense (estimates) and never had any intentions of paying this claim (the email with NO contact info is proof of that). When I complained to Ms. ** that Markesha had NEVER replied to any of my emails - her response was "We do not do business by email because it can be hacked. We only do business by phone." Really? So I get one email with no phone numbers at all. I am waiting until I receive a denial letter from Direct General to file a complaint with the insurance commissioner in Florida and Virginia (if I can). WHAT A SCAM!!!
NASHVILLE, TENNESSEE -- I'm having serious issues with this company since September 27, 2015. My car flooded on that date. I reported the claim. They sent a rude adjuster out, Clifton **, who is not a certified mechanic. He told me the problem with my car was timing issues which was very untrue. Even I knew that and I'm certainly not a mechanic. The company was made aware on many occasions about his unprofessionalism but did not care. I took my car to the nearest Honda dealer, I left it there 7 whole days for the insurance company to go look at it and told them they said my engine is knocking due to the water damages. They sent no one out to look at it.
Rude Mr. ** called them and was very nasty with them over the phone. He called me a liar and the Honda dealer. The insurance company denied my claim at that point. Mr. ** never included in his report that the car was there. I had to tell them. Then they said my claim was back under review. The insurance company requested for me to take the car back and let the dealer tear it down, they was gonna send someone to look at it (they never did), and lied to me because no one never went to look at it. They denied my claim again.
I tried filing this claim through my extended warranty, Fidelity. They sent an adjuster to look at my car while it was still torn down. That adjust denied the claim due to water in the motor which caused the damages. Now my car has been at the Honda dealer, turned down for almost 25 days with an estimated total of $6800 to be fixed and I'm stuck with paying insurance and a car note with no car.
If this is unprofessional on behalf of this company, I don't know what is. I have all my proof including recordings of them telling me they would fix my car. Now I have to deal with legal proceedings to get my car fix which is an unknown amount of time. I would advise this company to not be allowed to sell insurance again as of today.
TAMPA, FLORIDA -- Their client hit me, almost flipped my truck and busted my rim and flatted my tire on top of other damages. Then the cowards runs with a bumper missing! A few days later, I heard he was caught and I could pick up police report to get info. So then I got the info of his insurance. I submitted a claim. They took days to estimate my damages and then tells me the customer had a different story and that he did not hit and run (mind you he went to jail). They told me their client told them no he didn't hit and run and it was my fault. I asked if I could fax the report they said no.
Days later, I called again and someone else told me yes I can fax it and I did and for three days straight. I called to make sure they got the fax and of course they said it's still processing. But then, I called the fourth day and the supervisor said if they didn't get it by now it's not coming. I emailed it to Stephanie ** and she forwarded it to Nia ** and of course he gave me the runaround and told me he had to call his client to confirm this. His client already lied about hit and run and it being my fault, so why would they call him and believe anything he has to say? They said looking at the pics they can tell it's his fault but did they send my check?? Nope!!!
I'm still waiting so far 3 weeks and nothing, no check, no status, nothing. Every day I call, I'm told it's still processing and no one knows anything there. I was told it's still pending police report (which it's not). I was told it's pending interview with their client (and it's not). I was told they are still reviewing police report (and it's not).
Moral of the story, I'm still driving on a spare tire and I can't ride on highways and if you get these crooks to be your insurance carrier then you suck, you should never put anyone under this stress. Their biggest mistake is not knowing my dad is the judge of civil lawsuits and he deals with these types of cases and he will make sure I get my money!!!
FLORIDA -- Hello fellow consumers. I have been with Direct General Auto Insurance Co. for 3 years. I was recently in a small accident. I have been in contact via voicemail with the insurance adjuster for 19 days, only spoke to him 1 time in 19 days. They finally sent a check for repairs on my car. However it is 1000 dollars short, my deductible is only five hundred.
I am now fighting with them to have another adjuster to come to do a reassessment. They promised the body shop they would have someone out by Tuesday or Wednesday. Now they cannot get anyone here till Friday late afternoon go figure. This is going to delay the process of fixing my car by yet another week. So if they come out on Friday the body shop should be able to start on my car by Monday. It is a five-day job. I have rental insurance they only cover for 14 days. I am now borrowing a car.
This company is TERRIBLE, I would not suggest them to my worst enemy. It looks like I am going to be without a car for at least two weeks after my car rental which I pay extra for. It's already been done for five days. It's looking like at least 7 more days before my car is fixed. I wish I would have read online reviews about this company before I purchased insurance with them. I WILL TELL EVERYONE I KNOW NOT TO GO WITH THIS COMPANY.
NASHVILLE, TENNESSEE -- I recently just started with them about a month ago. They already are canceling my policy, due to supposedly at fault accidents. I called the dept of Homeland Security to verify with them if I had any and they stated no. I called once again. Direct spoke to multiple reps and every single time the story changed. The last person I spoke to states that they are actually canceling my policy due to NOT AT fault accidents that THEY ARE at "high risk" having me with their company.
Therefore since I'm a safe driver, but have been hit in multiple occasions they don't want to take care of anything, or even be involved. So if you want a insurance company that does not or will not protect you at the time of an accident you came to the right place, because clearly THEY DON'T CARE ABOUT YOU!
On March 6, 2015, I was involved in a car accident with one of their policy holders. I contacted Direct General about the accident the same day. They did not contact me in regards to this matter. So I contacted them a month later to see what was going on and why haven't anyone from the insurance company called me. They gave me the person who was supposed to contact me, but never did.
The adjuster who contacted me wasn't showing any empathy at all. By having impact and damage to the front of my truck the transfer case went out and the truck was not driveable. I explained this to the adjuster in a so-called recorded conversation. They sent someone finally and he did even look under the car to check the transfer case. So, I contacted the adjuster again because it wasn't fixed. So I ended up eating the cost to that but here come the rental car issues.
Last week contacted them again in regards to reimbursement to me for the rental car. I had the rental car people fax over all rental agreement information and out of it I only received a check for $331.00 out $1400.00 was charge to my credit card for the length I had the rental. Today I called, and again spoke with the agent and was treated unfairly and derogatory remarks were said before they hung up in my face. This is the ABSOLUTE WORST insurance company to have and to have a collision their policy holder. Now, I will have to get a lawyer to retrieve the remaining of my funds so that I can pay the credit company.
NASHVILLE, TENNESSEE -- Beware... This is a horrible company. I had a simple claim. They had me send a video and pictures. Then I could never get anyone to return my call. Then I received a check in the mail for $1300. I thought that was not right, so I sent car to shop for estimate and it was $4200. After not being able to get a return call I contacted their VP of customer service. Initially he helped me, but then after re-evaluating the car they totaled it.
How does it go from $1,300 all the way to $12,800? It has been 9 weeks now and this still has not been finalized and I do not have a car (the rental ran out) and they are still charging me premiums. BTW now the VP of customer service is not returning my calls.
NORTH CAROLINA -- I recently was hit on the highway by a driver who didn't see me merging over into the next lane in my passenger. HOWEVER I was in my mom's vehicle which mom never drives because she works in Kansas. (We both explained this to them). Now previously from the prior accident I was in they stated they would not pay for the car because I was at fault and not insured on my mom's policy (understandable) but they did not want to pay for the other car's damage either. I literally had to get a lawyer just to get them to agree to pay for the other's people damages!
Fast forward two months later they dodged every phone call from me and my mom. I called corporate. They had no suggestions besides “leave a voicemail”. We continued to leave voicemails. No returned calls for almost 6 wks. Spoke to a “Julia **” who did my claim and flipped my words around stating I said I turned from the LEFT TURNING TO MAKE A RIGHT INTO A GAS STATION. WTF. No pulled camera. No REAL proof that the man who hit me clearly lied to get out of his insurance paying!
She then proceeded to say “you aren't on the coverage” but beforehand they stated the only reason they would not pay is because I was regularly driving my mom's other vehicle which I admitted but now they are just being unreasonable CHEAP, RUDE AND UNPROFESSIONAL. How they're still open, I have NO CLUE BECAUSE THEY DO NOT HELP ANYONE! Please avoid this insurance company who rapes people for their money just not cover you when you pay for full coverage!