I am quite displeased and, under no uncertain terms, do I recommend. Our home is nine years old and had lost some shingles (one small spot). I filed a claim, first one in many years with three different homes, and our policy is being cancelled. The claim was denied and we paid for the repair. If you want “insurance” that drops you after many years for filing a claim that the “insurance company” denies, and then cancels, by all means this is your company. I've had auto with them for two decades also, with no claims, and I will be cancelling that on my own accord.
HARRISBURG, PENNSYLVANIA -- I've been with Donegal for 25 years, auto and home. My payments were automatically withdrawn so I was never late. 2 milestones recently: we bought a car for our 16 yr old to use, and then said 16 yr old got license. The car was added first ($1015/year). Then kid got license and I added him... The premium for THAT car TRIPLED to $2995, AND they added a $350 surcharge “for under experienced driver” to each car on the policy.
The monthly payment went from $165 to $415 with the addition of a 16 yo driver. Also they verbally said we had a “discounted rate” for him because of National Honor's Society and Driver's Ed, but nowhere on the policy did it say anything and let alone there was nothing showing the numerous discounts were applied. I used a website and shopped around, found BETTER coverage for $270/month. That's $145 less than Donegal. 16 yr olds are expensive but to literally triple the premium AND add a surcharge on the tripled premium, insane. Find another company.
NASHVILLE, TENNESSEE -- I was with Donegal Insurance for 3-4 years. I had auto insurance with them and never had any claims with them. Furthermore, I haven't had any accidents or speeding tickets in over 15-20 years, my car is 10 years old and I am in my mid 40's so I would think my insurance would go down! Nope, it went up and not just say a few dollars for inflation but over 20.00 per month!!
My fiancée recently moved in with me and she has 3 older kids who all drive, she covers all of them under her own insurance policy. I didn't even think this would be a problem for my auto insurance but apparently it was for Donegal. I received a letter from them one day saying they are cancelling my auto policy because I have 3 other drivers in my house that I didn't tell them about and since I didn't disclose this information to them they just assumed they were my kids and that they were all uninsured. They didn't even try and call and ask what was going on, they were just going to cancel me.
After some phone calls and sending them proof that my fiancée indeed had all 3 of her kids covered under her insurance policy they renewed mine. My rate had stayed the same for the past 3 years but when I received my new policy in the mail my auto had increased almost $23.00 per month!! Ridiculous!! I was now paying more money my yearly car rate that is probably not even worth 5,000 with all the miles and age that it is than my house! I could understand a few dollars for inflation or something like that but a 20.00$ jump?? I have obviously found new insurance as this is not a good company to deal with.
GRAND RAPIDS, MICHIGAN -- Was with Insurance company for over 10 yrs and never had a claim. Finally had one when we were stolen from, someone broke into our home and stole prescription drugs and other items, and that was the only time we had good service. From there on I dreaded dealing with this company and their employee Jennifer, not going to use last name. So when we had a claim about water getting into our ceiling Jennifer came out, not a contractor, and they didn't even have me get quotes. She put an estimated cost on the job and that is the amount we got paid.
I talked to several contractor friends and they agreed the job should have been more, luckily they did the job for the amount she felt the work was worth. The second claim was on an auto accident that my wife had, that they paid on no problem, but after that this company SUCKED. Had mold in our basement again Jennifer comes out and takes a look and says "no you are not covered." Then as we were fixing that mold problem we find out it is all through the basement and coming in through the foundation.
So they send out a structural engineer, one of their choosing by the way not a neutral one, and he reports back to them and they say "no you are still not covered", and my policy stated that I did have limited coverage, but they denied the claim. Every time I called to talk to them about this they listed it as a claim, and when I went to get new insurance they said I had 5 claims in one yr and they could not insure me. We finally got a report from our insurance company that we were with and it showed only the accident and ONE MOLD CLAIM. Then they send an inspector out to look at the condition of the home, first time in 10 years they do this, since they wrote the policy.
The inspector goes back and tells them we have a few problems. They write us in the middle of October and tell us we have until May 23 to fix these, other than removing my brothers pit bull, which was listed on this report, that was the only thing we could do because of winter. So in April as weather is getting better, we go into our local insurance office and ask them if they can reach Michigan Insurance, which is a Donegal Insurance Company, for an extension. They say not only can we not get the extension they would not be renewing our policy, leaving us to scramble to try and find a new insurance company.
Well we found one for the car, we had actually switched that before the new yr, and when we switched the car insurance over I thought that the new company would have faxed Donegal, well for whatever reason they were not notified and kept taking our payment. When we finally figured out what was going on I called to inquire about why and they told me they had no written notice of the cancellation. So again I go to my local insurance agent tell them what I need them to do and they do what needs to be done. So today I call after I receive a letter saying they got the cancellation to ask for a return of the premiums I was paying double on.
The lady on the phone tells me they had dropped a vehicle from my premium back in December, which I had not received notice of, and that I was only getting back a third of what I should be getting. This company has screwed me on more than one occasion and I would not recommend them to anyone. If your agent wants to put you through any company associated with Donegal Insurance group do not let them. The service SUCKS.
SMYRNA, DELAWARE -- I've had Donegal Insurance for 17 years. I've never had a claim until this year. I had wind damage that knocked down shingles on my roof. They paid for one half of my roof. Now, my roof is two colors. My heater broke down several months later and Donegal told me, there's nothing they can do. They will not cover it because of the age of the heater, even though I had it serviced routinely. I'm currently in the cold until I can get the money to fix it myself. DO NOT GET THIS COMPANY. They took my money for 17 years. The minute you need them, they won't be there for you.
MARIETTA, PENNSYLVANIA -- We bought a new house and did some renovations before moving. We had just listed our house for sale and Donegal canceled our homeowner's policy on that house because they said it was vacant. We were still living there so it was in no way vacant. They are very shady and also always looking for ways to increase rates. Earlier this year they tried to increase our auto insurance rates by claiming we had a teenage daughter. Well, she's 13 years old so I'm pretty sure she isn't driving yet. Whomever they use for their shady spying tactics must be pretty incompetent because they keep acting on false information. It's not worth trying to deal with such a lousy company so go elsewhere.
MARIETTA, PENNSYLVANIA -- This is the second year in a row that I have received a letter from Donegal Insurance Group with my auto renewal notice stating "We have been unable to obtain verifiable mileage for any of the vehicles on your policy, and would therefore ask that you provide us with the current odometer readings for each of the vehicles shown below."
Last year I sent correspondence to them asking when and where did they try to verify the odometer reading? I asked if they had contacted my insurance agent to see if they were able to obtain the information? I also asked if they had sent out previous correspondence re same and where? Did they contact my insurance agent to find the best way to contact me? I RECEIVED NO REPLY FROM THEM!!! Amazingly they have no problem sending me the bill for the policy and accepting my money. I will inquire again this year to find out why they have been unable to verify my mileage via a telephone call. I will be looking around for other insurance in the meantime.
I don't write any reviews but after my recent experience with Donegal insurance's claim process, I want to help out people who are looking into signing up for Donegal Insurance. My advice is to stay away from this company. If you live in Metro DC area, you probably aware of the strong wind storms we had during the month of March, 2018. A LOT of homes experienced roof damage. We were one of the unlucky ones.
We filed a claim but we are only getting paid to replace half of the roof because no shingles are missing on the back of townhouse. My roofing contractor tried to convince the insurance company that there is wind damage on the back of roof and shingles are lifted up and may give away sooner or later.
MARIETTA, PENNSYLVANIA -- My vehicle was parked outside my home on 3/6/11. A lady came past and hit my truck right after hitting 2 other parked cars. I turned the claim into my insurance company which is Nationwide to get the ball rolling because I have full coverage (lucky for me). Now 5/17/11 I get a letter from DONEGAL INSURANCE (driver at fault) stating. "We have completed our investigation of the above captioned matter. Due to MS. ** experiencing a medical emergency there is no negligence on her part and we are not able to consider payment of your claim."
Now I understand about coverage limits but Donegal just refused to pay at all. Because their client had a medical emergency? So for instance, if I am driving and I black out or something happens to me physically where I can't control my vehicle, it is not considered my fault? That is ridiculous. So in a nutshell they are saying if you did not mean to wreck it's not your fault but if you intended to wreck that's OK then we will payout on your behalf. How are you considered not at fault by your own insurance company when you were the only person driving in the accident and you hit 3 parked cars?
My insuraqnce made a full recovery from donegal and my insurance sent me my deductable. Im still glad i had full coverage tho or else i would have had to pay to fight doegal in court
GEORGIA -- I have NEVER in my life spoke to someone as rude as Maria **. This entire experience has been a nightmare. I had my car for 34 days when one of their clients hit me causing $4000 worth of damage. Not only did it take 1 month to get an appraiser to look at my car, I NEVER EVEN MET HIM. He didn't open my doors to look at the damage, didn't even have my keys. How do you properly appraise a car, without actually appraising it?!
Now, 2 months in I do not have a rental because Maria would not approve one for the full length of time that the repairs were being done (even though I have a document stating otherwise) and she will not return my phone calls. She only returns my mothers calls who lives in another state and whose name is not even on the car.
When we do get a hold of them? Each time I feel so low about myself. She speaks down and sarcastically to the point where I'm in tears by the end of the conversation whether it be from anger or sadness. What a devilish woman. The worst part is, the entire accident was THEIR clients fault. The entire experience has been so frustrating and I hate leaving negative reviews but I've tried multiple times to resolve this with their company and no one cares.