21st Century Insurance

On December 28, 2011, I obtained quotes for my auto insurance and found 21st Century Insurance to be more affordable than my current policy with GEICO. I switched to 21st Century and authorized automatic withdrawal from my checking account. When the documents arrived the coverage was not what I was told in the quote. When I called to inquire I was told that in order to add the other coverage my rate would go up. By the time they finished with the entire mess my auto insurance rate was the same as it was with GEICO. I felt deceived and I couldn't trust a company that would pull this.

On January 7, 2012 I canceled the policy and switched back to GEICO because I would never do business with a company that has such unfair business practices. I was told at that time that the refund would take 5 to 10 business days to show up on my account. I was also told that they would not refund the entire amount because they charge to write policies.

I have repeatedly called to inquire of the refund and just get the brush off. Today, January 30, 2012, I spoke with Joshua of 21st Century. He apologized over and over again and told me that he couldn't understand why the funds were not released; it usually only takes 5 days. He was going to try to release the funds manually. I should see it within 2 or 3 days. I am so exasperated by the entire fiasco. They should not be allowed to pull this on people.

I was slowly driving a rental car in the lane of a parking lot as I approached the stop sign at the end of the lane. A person insured by 21st century backed into my passenger rear door, denting the door. She was very apologetic, gave me all her information, signed the rental car forms, etc. I submitted all needed forms to the rental car company and they submitted all needed forms to 21st Century within the needed time frame. 21st Century did not respond in spite of repeated calls by the rental car insurance people.

Four months later, I was being asked to pay for the damage because they could not get anyone at 21st Century to respond in any way. I made repeated calls to 21st Century. I left numerous messages and finally one day I reached a live supervisor who promised he would look into it. Two weeks later: still nothing. The claim went to the collection agency. I told that person the story. She "by-passed" the system and finally talked to a supervisor who reported that it had been "archived" and would take time. Two working days later I was told that action had been taken by 21st Century and that a check would be sent that day. My assessment: 21st Century was either incompetent or thought they could get out of paying a claim.

The 21st Century **! I would not recommend a dog to get insurance from them, I never received a correspondence from them. They were so confused when I called and I had just gave them $1000 to reinstate my insurance with them and two months later they cancelled my insurance for non-payment, when I never received a statement on what I owed them.

My parents have 21st Century auto insurance. My mother was involved in a not-at-fault accident in Florida. 21st Century would only pay 80% of her PIP and would not pay on her med pay until she had reached the $10,000 threshold on the PIP. This does not follow Florida statute and has caused my parents to be hounded by a collection agency from Lee Memorial Health System now. Jennifer ** in 21st Century claims has really made my parents life miserable. Nobody should purchase auto insurance until they have thoroughly researched their business record. The lowest price is not always the best way to go. You get what you pay for in this case.

I've been a customer of 21st since May 2008, and never really had any problems, however, I never had to make any claims, either. I just returned from Iraq, and got a civilian job, that offered me a company vehicle. When my boss picked me up from the airport, I had the honor of finding out that the rental car company could not release a car to me, and almost lost my job right there.

Shortly thereafter, I learned that they had submitted a claim, that I was in an "at-fault accident, 50% or more at fault". When I inquired, they didn't have a police report, nor did they pay anything out. I assured the rep that was because there was no accident. After over 1.5 hours, being deferred between departments six times, and being hung up on 2 times, there is still no resolution. I realized that they are not a BBB member, and clearly understand why.

I have two things to leave readers. I urge caution when considering 21st Century and look at USAA. Their customer service is honestly second to none, and make you feel like they are truly there for you. I was humiliated due to being denied a rental in front of my boss. It cost me $300 worth of plane ticket to get a vehicle, and more money for fuel to drive from Ohio to New York. My premium also increased from $75 to $176/month due to "accident". Now, I cannot go to another insurance company, due to false reports, including a false speeding ticket, and equipment failure, until cleared.

Sales rep De Anne ** does not return phone calls. I called her twice, but nothing.

21st Century Insurance is nothing more than a bait and switch scam. My current six-month policy premium with 21st Century Insurance is $543.57. Imagine my surprise when I received my policy renewal the other day, and discovered that my renewal policy premium will be increased by, approximately 38%. It will now be $749.81!

I have no idea why 21st Century Insurance feels the need to increase my premium by such an outrageous amount, as I have not had any tickets or accidents since I became a customer of their company last July, and the premium increase is far more than the 5% across the board rate increase, that they notified me of in the policy renewal paperwork.

Since there is no reasonable excuse for a 38% increase in my insurance premium, I asked them to give me an explanation as to why they feel that they have the right to raise my premium so dramatically. Since we live in a free market, and I am not obligated to remain a customer of a company which is trying to rip me off, I reserve the right to find a cheaper insurance premium with another insurance company. If 21st Century Insurance will not lower my insurance premium to a more reasonable amount, I won't renew my policy when it expires on January 1st.

Before I became a customer of 21st Century Insurance, I was warned by a friend (and former customer of 21st Century Insurance), that they are an unethical company, and they would dramatically raise my premiums after the first six months. As it turns out, my friend was correct, and I was a fool for believing that they were an honest company.

Then we were told we were without car insurance for 5 months,which we would never go without ( also the state would have wanted our plates back if we had no insurance). Had we known this months ago, we would've fixed it right away.

It's bad enough that car insurance is a scam, but how can they do this to us? I'm sure we're not the only people who experienced this. Someone needs to investigate how many people didn't get new quotes in the mail when they were converting. How convenient for 21st century to have lots of money. We were "forced" to get a new policy at a higher rate because of the lapse - of course it was our fault, not theirs. This will be on our driving record. Now we will have to explain to D.M.V.

I purchased a policy without uninsured motorist coverage and paid in full. Next thing I know, I get an additional bill stating I owe another 16 dollars because they never received the agreement to delete uninsured motorist coverage. They claim they're going to send another form out but never did. I kept calling and calling and they keep telling me they're going to send it out again. Never received the docs.

Their website is constantly denying me access and there's no way for me to get the forms. I believe in order for me to comply with their company policy, I have to be given the necessary documents and in a timely fashion.

I called this company just to verify if windshield repair was part of my coverage. Then immediately they transferred my phone call to their glass repair company. They told me that they would see if I had coverage and that they needed my address along with that. If I didn't have coverage, they would, along with 21st Century Insurance, get back in touch with me by email with a confirmation.

I purchased a car insurance on Friday, Aug. 5th. I then found a cheaper insurance so I called and canceled the policy on the 6th. The money was not taken out of my account until Monday, Aug. 8. So I called the company asking why they took the money out of my account when I canceled the policy. The next day, they said it was taken out on Friday. I told them not according to my back statement and it showed it was taken out on Aug. 8. The representative said the refund will be in there on Friday the 12th. I have called every day and finally, talked to a Dorthy who said she was going to call over to Payment Accounts office. I still have no refund and the supervisor never returned the call back to me.

Along with my car purchase on 3/20/2010, I purchased a tire/wheel protection plan for additional $595 for 5years with another company they offer. Come to find out they never paid the company for me to have the protection plan. I have proof of the plan and the payment I paid in full for the car and protection plan. I have been fighting with them for several weeks and no one has answered me. The owner was abusive and condescending. I am a single mother and cannot afford to lose this money. I would like the protection plan or my money back. I would appreciate your assistance. I was previously stuck without having the protection plan and had to pay for tire repairs.

I had a car accident on the freeway. I called the insurance for the free towing. After 1 1/2 hours, the towing truck never came. Someone called the towing and they removed my car from freeway. I paid $135 for that. Now is 35 days after of my accident and they took my car away and l don't see any money and I never signed for the release. Now I don't have a car and don't have money from the insurance. I spent all the time in the freeway with my family in danger, but I pay good money for the services that I never get.

AIG changed their name to 21st Century Insurance and now is changing to Farmers Insurance. In the process, I had an accident that was not my fault as I passed a taxi driver who fully opened the door without looking and my car hit it. The taxi insurance has fully paid. I paid $1,000 for my deductible and now 21st Century or whatever they call themselves is refusing to pay and the adjuster named Bryant has asked on several occasions to get a police report and this was done at the beginning of the reporting of the case. It was obvious to me that they are not willing to reimburse me for the deductible. It is an outrage that this is the kind of robbery that we have to face with insurance companies. How long do we continue dealing in this manner?

I got a uote pais $63.50 online immediately. And then learned that they do not insure a vehicle in storage. I asked for a refund. They refused and asked for more money.

I purchased a car on February 2, 2010 and added insurance on it at the same time. The California law is that you have 30 days to register the car into your name. 23 days later, I got into an accident in which I totaled the car out. So when it was time for me to settle my claim, they told me that I'm not the registered owner of the car and that I'm not entitled to anything even though I'm paying the insurance in my name. They send me a check with the finance company and the person I bought the car from and they told me to cash the check the best way I can. So when I deposit the check into my account, the bank told me that I have to go back to the insurance company have them issue me out a check in my name. When I contacted my insurance, they keep giving me the run around so I need some help to resolve this problem.

a routine cancellation of policy? If an attorney says that 21st can do this I'll have to abide by it. If they can't, I will take punitive action against them. They are threatening (If they have not already) to ruin my good credit

When I initially inquired about auto insurance, I was told that after 6 months without a claim that I would receive $50 off my premium. November 2009 was the 6th month and prior to renewing my policy, I inquired as to why I hadn't received the $50 off my new policy? I was informed that I would receive $50 in discount coupons and it would be sent around the end of Nov. It's been an additional 6 months, which equals $100 ($50 for each 6 month, claim free period) of which I have received nothing.

I feel that I was lied to on two occasions just so I would initially take out a policy in May 2009 and then to renew my existing policy in Nov 2009! To date, I have received nothing for each of the two 6 month periods I have gone claim free. I received my renewal policy effective May 2010 and nowhere in the policy does it reflect any discount regarding the two 6 month claim free periods. I feel that I was baited into getting the initial policy, then again to renew the existing policy with a false promise of a discount.

I unfortunately was involved in a car accident on 1/9/10. I hit a raised manhole cement cover (13" in height) in a construction zone going about 45mph. I filed a claim on Jan. 11, 2010. The appraiser came out and appraised my car while the car was sitting on the ground. He appraised about $567 in damages, so I said I hit this concrete block hard with my front right tire and my tire blew and I have a damaged rim. My front right tire is now leaning about 10 degrees inward, so in turn. The appraiser said, "take it to another shop and have them check for a collateral damage". Okay, so I didDID

This time, this shop estimated underbody damage and to include my automatic driver's side seat that doesn't work anymore to be $5510. I called the appraiser like he said. This time, he and his boss arrived at the ASE Certified shop. Now, the technician showed him and his boss (this time the car was off the ground). The tech pointed to both individuals what was damaged and gave them an estimate of $5510 and deemed the car to be unsafe to drive due to my airbag light and abs light keeps coming on and off and may not deploy during an accident. This time, an estimate was not written by the insurance company, both the appraiser and his boss walked off and left.

He called me and said, "Mr. Jackson, take your car to another shop and replace the strut and get the alignment done. We will go from there and we will tow it if we have to". Lies. He just pointed out to you and your boss the damages. Why go somewhere else? So just to please them? Please note the car is unsafe to drive. So I took it to another shop. This shop and two other shops after that determined that the car cannot be fixed with what the insurance company wants because it is too much damage. So (4) different entities said the car is unsafe to drive and we cannot fix it with what the insurance company says to fix. Here it is, this insurance company is trying to avoid fixing this claim. Who can I contact for help? Now, she (Amy A.) wants me to take it somewhere else. A 5th place called Firestone. My car still isn't fixed and the insurance company is still insisting I take it to Firestone.

My truck was stolen on November 20, 2009 and have yet to get 21st Century Insurance to settle claim. I have cooperated 100% while getting the runaround about their "reservation of rights" to continue the investigation "as long as they feel necessary." I am continuing to make the payments on a vehicle I no longer have and loss of income for my business that was to depend on that vehicle. Not to mention, the stress I am going through. They certainly had no problem taking my money for the 6 months of insurance!

We had an AIG insurance two years ago and decided to switch to Traveler's when the insurance was up. The switch date was about a month prior to the expiration, so we mailed in the Traveler's form to inform AIG of the cancellation and get our money back. I guess AIG at that time was in the middle of the credit crisis and claimed to not have gotten the letter, even after calling multiple times. Well, the insurance lapsed, and they issued me a new policy without my permission and continue to charge me.

After several phone calls, I thought this was settled until I received a collections notice from Vital Recovery Services INC telling me to PAY THEM the 160.57 dollars I owe them for the first month of the new policy that I did not authorize. They stated that they can continue to issue policy and that I informed them too late so the things are charged.

I don't think a company has a right to force coverage to someone who had already switched company. Sorry I am just a little guy, and they are a big company so they can do whatever they want. Plus we all bailed these terrible people out with our tax dollars so they can go on their holiday spree. AIG/21st Century/now Farmers, Shame on you! My credit is affected, plus approximately 300 lost.

I have been a loyal customer of 21st Century (formally known as AIG) for the last year. I didn't have any problems with this insurance company until a month ago. When I renewed my policy I decided it would be more convenient to get set up on auto pay. Well of course my payments had come out of my account every month on a regular schedule until last month. When I called 21st to ask why my bill hadn't been taken out they said that we were using our vehicles for business purposes and that we would be dropped from our policy. When I reassured them we weren't using them for business purposes, faxed them a form stating that we weren't they said to wait till September to pay Augusts bill because it would take time to process the paperwork.

I called back in September to pay my bill and I was informed that after renewing my policy that my premium was to be raised by almost $100. After hearing that I told the operator to make sure that auto pay would not be set up for September because I was going to shop around for a lower premium. He said nothing would be automatically taken out because it was a new policy and I would have to set up auto pay again.

Later that week I signed up with Progressive, which ended up being cheaper than I was paying before. Well my husband called a few days later and said that 21st Century had just taken out $774 from our account. This was not authorized; I had no idea this amount of money would be taken out of my account and didn't have the funds to cover this charge. As a result my account had $350 in overdraft fees and my account was frozen. When I called 21st Century the operator was talking in circles and eventually said that she would not be able to refund the full amount or cover the overdraft fees. I then asked to speak to a manager. After letting him know that the charges were unauthorized he put me on hold to listen to the phone conversation I had with the operator that told me I would not have any money taken out of my account. The manager came back to say that he listened to 5 min. of the 20 min. phone call and didn't hear anything about auto pay being discussed. I assured him that it was discussed at the end of the phone call. He said if I wanted to dispute it I could fax in my overdraft fees and THEN he would listen to the whole call.

I finally gave up and just asked that he refunded my money. I then call my bank and they said if 21st Century was able to refund the full amount that we could claim it under fraudulent charges and they would take off the overdraft fees. So I sit here still waiting for 21st Century to refund my money. The operator said I would have to wait 5-7 business days before I saw my refund and there still isn't a guarantee that I would get the full amount back. I love how they are so quick to take my money, but so slow to return it.

Meanwhile my account is frozen, I have no funds and my husband and I were supposed to go on vacation this weekend that had to be cancelled because we don't have enough money (due to the $1,000 that was unexpectedly taken out of our account in the last few weeks).

21st Century has horrible customer service and will do whatever they can to take your money! I would not recommend this insurance company to anyone!

They always call from an unknown name/unknown number on my caller ID. They have called me numerous times. First it's a telemarketer who is calling from India I think, (because of the accent) who asks if you are behind on your mortgage, then they transfer you. Today I am transferred to a young girl who is an "opener" who will transfer me to a loan officer after she gets some info. I told her I had already spoken to her company and had asked to be taken off their list.

I proceeded to ask her about their "program". I am in the mood to have a little fun! They want you to pay your mortgage payments to them and not pay your mortgage company while they work their magic, with angel dust of course. I tell her that I think what she is suggesting is illegal. She proceeds to tell me a personal story about her ex who went through Wachovia who lowered his payment for a short time,then it would go up later. I told her, well they did provide a solution for the immediate time being so what?!

I continue asking intelligent questions which she cannot answer and all of a sudden she says there is an intercom announcement to go to a meeting and she must go. The state of California needs to shut this criminal operation down. Theyare preying on desperate people trying to save their homes. Shame on them, they will get prosecuted soon.

I became stuck in my jetta back in july of 08. Since i had roadside assistance I called 21st century who sent a tow trucker driver to help me. The tow truck driver arrived 5 hrs after to arrive (when i called in to see where he was they rep also thought it to be funny I was stuck on a mountain and told me to call 911). The tow trucker driver than hit my car trying to wedge me out and would not provide me with any of his information after wedging me onto a boulder.

The total cost of damage was well over 4000 dollars. I found out his information from my insurance company and filed a claim. I had to pay the deductible(550) until the claim was sent to his insurance(progressive). The tow trucker driver told his insurance he did not hit my car and did not wedge it on to a boulder causing undercarrage damage. I was than told by his insurance that because my witness was a friend she was not a witness. I was denied and out my deductible. I advice everyone to be careful with 21st centurys roadside assistance as well as progressive. It is not fair i had to pay for the damage that the two trucker driver that 21st century called for me caused. a year later nothing has been resolved.

I purchased the insurance from Insurance Answer Center, LLC on June 3, and paid $200.96. The insurance papers arrived about 2 weeks later, I signed and sent them. A week later I received a letter stating that they needed more information. I contacted them and was informed that my information is not in their system. They said they would take care of it right away.

I called a few days later and was told that I am still not in their system, that it would take seven to ten days. I called seven days later and was told it is taking longer but not to worry. A day later I received a notice from the DMV that I am not insured, and the following day the police stopped me and empounded my car because of no insurance. I called 21st and they said they would reimburse, and not to worry my insurance is active, they would report it to the DMV and all should be well.

Today, July 20 I received another letter from the DMV about lack of insurance, and have received three different billing statements from 21st. I called and they told me that they investigated and found out that the $200.96 was not cashed by them though I have a payment receipt from them. They are requiring me to send them my bank statement for verification. I explained that I have a receipt from them, but they are insisting on a bank statement, and they are insisting that I pay three months by this Friday, or my insurance is canceled. I am angry and frustrated with them. They are playing a game, have terrible customer service, and I need to know what to do.

well 2 days prior from the due date i canceled my insurance with 21 century and got insured from a different company , next day i called the 800 number at it says the policy has been cancelled , on the due date they charged my bank account . i called them and they said they have sent me a check on the mail but its been a month and i never got it , now my calls wont connect cuz my policy number is not on the system anymore , now i'm going thru my bank to try to recover the money .

After writing a letter I cannot get a copy of the California over $750 damage report, a copy of the real damages and their repair, so I assume someone is cheating in this matter. I've driven for 50 years without tickets or accidents so my premiums now have been hiked because of this scam. Premiums have gone up $800 a year.

I was contacted back in December of 08 by these people who informed me of the loan modification and how they could lower my monthly mortgage by around $200 and change my interest rate to a 30 year fixed and to as low as 3.9% I agreed to use their services for a fee of $1800 and was advised to quit making payments to Bank of America for my mortgage.

I was constantly calling them, requesting for an update on the status of my modification, and was able to contact a rep named Jackie only a few times in which she informed me that the process took a long time and that everything was going perfectly and that they would be contacting me once the negotiation was finalized. Other then talking to her personally only a few times, none of my calls, messages, or emails was ever returned by anyone, and I would be on hold for up to 30 minutes sometimes just to talk to someone.

It's now mid May and yesterday i received a letter from B of A informing me that my modification proposal had been rejected due to insufficient income and that foreclosure proceedings were soon to follow. I freaked out and called B of A and talked to a manager in the negotiations dept. who informed me that 21st century legal had only contacted them 2 times over the course of 5 months and that the reason my modification was rejected was because they did not have any of my financial information (ie. annual income, bills, etc.) All this info was given to 21st century upon agreement of services along with a hardship letter, paycheck stubs, and other documents. These guys didn't even try to negotiate my mortgage.

Once I gave the B of A rep my financial info, he pre-qualified me for a loan mod and now its processing through B of A. I am now in the process of trying to get my $1800 back from 21st century, and have tried to contact them several times via phone calls, voicemails, and emails to no avail.

It's almost as if they are avoiding me and once I get through and give the receptionist my name, I then have to hold until either I hang up or they hang up on me. I am currently pursuing legal actions against these people. Also, any legal advice as to steps I should take would be greatly appreciated as well. My house is now going into foreclosure; I am 5 months in the rear in mortgage payments; my credit has been destroyed; As of right now I am out $1800 dollars. Do not use this company!

The short of the story is I called to cancel my policy after deciding to switch to another company. They told me to request it in writing of which I did. The following email came back to me requiring me to send proof of insurance before receiving my refund. I believe they are overstepping their bounds and are invading my privacy. It seems to be a silly thing but it simply none of their business who I do business with or if I am actually insured. I think they have their noses a little bent out of shape for us switching companies, We gave them a chance to be competitive but they just wanted too much $ for the changes we were seeking

After receiving billions of taxpayer money as bailout 21st Century Auto Insurance is now suddenly charging for online payment. Reason is they partnered with Western Union and WU charges for the service. The website was working for years perfectly fine AND dd not cost the consumer anything, on the contrary we were encouraged to pay online.

This means that 21st Century/AIG - soon to be Farmers Ins - simply is trying to ilk the customer now directly as well, after having milked him as a taxpayer for the millions of $$ in bailout money - it is neither necessary nor fair and shows a COMPLETE disregard for the woes of us, the end consumer, who already have to help clean up AIG's failed investments. This should be forbidden.

They have contacted me on my personal cell 4 times in the last 18 hours. They don't speak well and they say they are there to help with mortgage refinance. I don't need that help and I've asked them to remove me from their list. This happened 4 weeks ago as well.

This company is actually AIG, they recently changed their name. Anyway my home insurance premium went up 600.00 for this year! I have never filed a claim, and nothing has changed. All the phone rep could tell me was that the cost of building materials went up! Please! Is there anything I can do? I feel like I am really being taken advantage of here. I bought my house for 150,000 in 2006. I am not in a flood zone. My initial premium was $635. Now they want $1305! I am cancelling our policy, and looking for a new one. But if there is anything I can do about this, I would like to, because I feel like they have gotten away with enough!

I signed up for car insurance with 21st century because they gave me a lower rate than the competitors while I was rate shopping on the internet. But a few weeks later they contact me saying that my premium went up. I ask them why and they did not have a reason. They made something up and tried to give me the runaround. I gave them the benefit of the doubt and paid the higher premium but something did not sit right with me.

When I shop for car insurance at a reputable place I pay the premium in full and that's it for six months, so I was kinda bothered my premium went up in the middle of the term.

Subsequently it was time to renew my insurance and I even got my girlfriend to get her insurance there too because when we were rate shopping we got the lowest initial quote from 21st century insurance. But, low and behold, a few weeks later my girlfriend and I BOTH got letters and pone calls saying that BOTH of our premiums were going to increase RIGHT IN THE MIDDLE OF THE TERM WHEN WE ALREADY PAID IN FULL!

We were not giving them the benefit of the doubt this time. 3 Strikes in a row. Shut these scammers down! But no the government bails out the parent company AIG so everyone can keep robbing from the poor to give to the rich. Needless to say we cannot rely on anyone to help us. All we can do is vote with our wallets. I SAY STAY FAR AWAY FROM 21st CENTURY INSURANCE UNLESS YOU WANT TO BE SCAMMED!

Customer Service is two words that apparently are unknown to 21st Century and their adjusters. I had filed a claim with the company and repeatly had problems scheduling someone to look at the damage, work with me in a positve respectfull manner, and ultimately ahd to fight to get the claim paid. Lack of training, lack of customer respect, and lack of service are the words to describe this whole experience.

On the early evening hours of March 28, 2008 while westbound and fully stopped at a red light in the left-hand turning lane on Redlands Blvd in Loma Linda, waiting for the light and arrow to turn green in order to turn southbound unto Mountain View; accompanied by my 13 year-old son Kevin who was seated in the passenger seat and my then 17 year-old daughter Ashley seated on the passenger's side extended cab of my 1991 Nissan pickup.

Suddenly a car crashed into the back of my pick up, I saw my son's head flip-flopped; my own seat was jolted and pushed forward so much so, that I found myself hovering over the steering wheel, my daughter looked shocked and in agony.

Immediately, I asked Ashley "where is your cell phone?" I called 911, at which time the driver of the Honda Civic (a dark-haired young woman) exited the Honda civic, walked on the median and approached the driver side of my truck and said "Oh I am sorry; I was looking down or reaching down". In truth, I was shaken and concerned for my children, so I ignored her and continued with my call to the police. Subsequently the light turned green, I made a left turn and proceeded to move my truck away from traffic, I pulled behind a restaurant on Mountain View call, to my utter relief the driver followed and positioned her Honda Civic to the right of my truck.

While we waited for the ambulance and police to arrive, Mrs. A. who had just rear-ended my truck proceeded to tell me 1) she had had a bad day, 2) had just been given a bad diagnosis, 3) she further stated that the car she was driving did not belong to her, and lastly 4) that I should not have called the police. Fortunately, the paramedics soon arrived, I placed a second call to the police and they too arrived. My two children where placed on gurneys and transported to Loma Linda Medical Center by ambulance. However, I declined to go by ambulance because 1) I did not want to frighten my children any further, and 2) wanted to take my perishable items home. I was asked to sign a waiver that indicated that I refused to go to the hospital by ambulance.

On Sunday March 30th, I submitted an accident report to both my insurance company AIG and to Mr. Anthony L.'s insurance; 21st. Century, (the true policy and owner of the car that struck us from behind). Soon after, Mr. Michael C. a 21st. Century adjuster informed my AIG adjuster Laura M. that 21st. Century accepted that I was obviously not at fault. Equally important, a letter was sent to me highlighting that conclusion and I was assured that I would be promptly reimbursed and my truck would be fixed. Indeed, I complied with all of 21st. Century's requests 1) by signing and mailing (via registered mail) all medical releases, 2) X-rays, and ambulance records and 3) the police accident report to Mr. Campos.

My case was transferred from Mr. Michael C., to an investigating team with Mary A. at the helm, (a ruse initiated by Ms. A. to circumvent her responsibility). In the interim, I was followed conspicuously in an effort to intimidate me. A man with a camera took mine and my thirteen year-old son's picture while at a Carl's Junior's parking lot in Loma Linda where we reside. Periodically, I called Mary A. however her only response to my inquiries as to when they were going to 1) fix my truck, 2) pay the ambulance fees, 3) compensate us for our pain and suffering and 4) reimburse my HMO is "we are conducting an investigation".

Moreover, I gave full access of my truck to not one but two 21st Century's agents, I further complied by allowing a Mr. Bruce C/ to come to my home and record a detail interview which I also taped with his permission, however he did refuse to allow me to videotape our conversation. Mr. C. also informed me that "AIG and 21st Century insurance had merged; that he worked as an AIG agent in Ontario and as a 21st. Century agent at an office in Redlands," at which time I asked him "if that did not constitute conflict of interest" he replied in the negative. One or two days later a Mr. Neal P. left a hand-written note at my door while I was running errands, as soon as I returned home and read his note I called him, he was at my door 10 to 13 minutes later and looked at my truck.

Ultimately my AIG adjuster Ms. Laura M. called Ms. Mary A. to find out what was taking so long and she was told that 21st. Century was conducting an investigation due to possible fraudulent activities. I became appalled by the insurance company's blatant and unscrupulous tactics and decided to sue both 21st. century and the woman who rear-ended my truck. 21st. Century Insurance asked to be dismissed from the case. I asked the judge not to excuse them because I wanted to exercise my Constitutional right to face the company's representative and protect my good name.

On July 17, 2008, the case was heard by the Honorable Kenneth B. at which time Ms. A. proceeded to lie with total disregard for the truth, and respect for what a court of law represents. She went as far as accusing the paramedics (who by the way did a fantastic job caring for and transporting my children to the hospital) with unprofessional behaviors; she even suggested that the police officers were bias toward her at the scene, when in fact they were talking about citing her on site for not having insurance when she quickly told the officers that Anthony L.s insurance covered her as well. (She called him right after she got back into her car from the median on Redlands Blvd where she hit me, and he showed up behind the restaurant where we were parked). The woman had the unmitigated audacity to state that I asked my children to cough, which seemed ridiculous to me. Unbeknownst to her, Kevin is asthmatic and had a 16 inch pizza on his lap when she hit us and the pizza hit his stomach, any sort of excitement causes him to cough.

Adding insult to injury on July 17, 2008 Mr. Neal P. was standing at the entrance of the courthouse when I arrived, I said good afternoon and entered the building, (I felt that may have been for intimidation), well, to no avail because I had the truth on my side and truth and justice would prevail. Mr. Neal P. testified in court for Ms. A. stating that in his "expert" opinion the accident could not have caused the injuries we sustained. Which was beyond ridiculous; because three separate physicians asserted that our injuries were congruent with being rear-ended.

Thankfully, the Judge saw things as they were, and decided in my favor. However the amount of the judgment was small because I was so shocked by the lies being told in court, I forgot to hand the doctor's reports to the judge. Furthermore, since there was no guile in me I used my own HMO from day one and had no out of pocket expenses, therefore the judge stated that my HMO can sue 21st Century or Miss A. if they so chose. Second, in my zeal to confront these aforementioned people in court, I failed to present the court with an estimate for repair partly because I thought 21st. century would fix my truck after such expert inspection. Now, more than four months later, 21st. Century is stalling and dodging responsibility. The company (21st. Century) and Ms. A. are perpetrating fraud against me, the state and my children thus, should be made to pay for their lack of integrity. I will continue to seek justice by writing to Consumer Affairs, the Urban League, and the ACLU.

I received three acknowledgement of satisfaction of judgment in the mail on last Sunday, (in Loma Linda the mail is delivered on Sunday rather than Saturday due to the strong Seventh Day Adventist presence) I did sign them because my daughter Ashley is in dire need of money because her college experience commenced this Monday. However I believe 21st. Century should pay to fix my truck because Mr. Neal P. himself presented the court for estimate for repair. I may be driving an unsafe truck.

The consequences are: My son still complains of occasional back and neck ache, my left hip hurts, my truck has not being repaired, and the worst part is I was maligned. The $1,200.00 judgment is laughable, by the way it was divided into three parts: $500.00 for Ashley; $500.00 for Kevin and $ 250.00 for me. My HMO has not been reimbursed, the woman and the insurance company got away with a farce and I am left physically, emotionally and financially worse. I have not been made whole by any stretch of the imagination.

Twenty first charges a cancellation fee for cancelling the policy at ANY time, including renewal or an increase in rates. I was charged the fee in 2003 when they quadupled my rate because of my first and only at fault accident which the claim was only for $1200 I think. If I remember right I did not pay the fee. This year I had to return to 21st because they offered the lowest policy I could find which I needed to due because of a change in income. Also, thier website Quote is not what they accuatly charge for the policy.

After going through the whole process which did include my CDL number and the VIN number of my car, they increased the yearly rate by about $250! Which brought them up to the same rate as many of the other cut rate companies. I went ahead and took it because of all the time required to go back and do this all over again with another company.

I called the company and asked why the quote was not honored. The customer service rep said that the information they get once the policy is accepted is at times different than when the first information is given. He stated the online quote is only an estimate.

In December 2004, I had just returned from deployment and had 2 weeks to relocate my family to Washington due to a home port change my ship (US Military) was scheduled to make in January 2005. Meanwhile, my 2001 Ford Expedition insured through 21st Century insurance had a claim from an accident that was in the repair shop at Carillo's in San Diego CA being fixed following an accident.

We were awaiting for these repairs to be finished so that we could leave for Washington as ordered through the Military and was a little behind schedule waiting on the Expedition's repairs to be completed. Everything was finish except for my front end which was also damaged from the accident. I was told from 21st Century insurance that once I get to Washington to give my adjuster a call and they would send out an adjuster to finish my claim for my front end damage and repair. An adjuster was sent to the repair shop in Washington where my truck was back in the shop for engine repairs unrelated to the accident in California.

The adjuster had thought my front end damage was prior damage before my accident. However, my tires were fairly new and I had a safety check just prior to departing to Washington (PCSing). When I arrived to Washington my tires were bald and I needed to have them replaced due to my front end damages that caused my tires to prematurely go bald. I found a tire shop that was able to adjust my alignment in a way that would allow my tires to last longer than (considering the damage) current was happening. My average wear for new tires was at 10,000 miles and then needed to be replaced again.

After 14 months in Washington, I once again was reassigned to Missouri and had my Expedition realigned through Ford Dealership and bought new tires a few months afterwards with a 40,000 mile guarantee. Needless to say, my tires only lasted 10,000 miles before I started having problems again. I went back to Ford and Firestone and asked why my tires were already badly warned. After reevaluation from Ford and Firestone, they stated that I had severe front-end damage that is causing my tires to wear prematurely.

I once again addressed my front-end problem with Ford who had a collision front-end expert take a look at my front-end and estimate exactly what could be the problem They stated that my damage to my front-end was clearly from an accident, that only an accident could had caused my damage. The last accident claim that I had was through 21st Century who denied payment for front-end damage. Regardless of how they arrived at how or why it became damaged prior or not, they've been my insurance company since the purchase of my Expedition in San Diego CA and would still be responsible for insurance coverage on my car. Additionally, I did not have any of these issues prior to my accident claim in Dec 2004.

Now four years later, I am still suffering the financial expense of replacing tires, bald joints and other front-end parts that keep going out every 9-12 months due to my front-end damage. Now I am being told they are not able to align my vehicle until the damage is repaired because now everything is frozen on my front-end and is unable to be aligned. I called 21st Century once again to reclaimed my problem with my front-end damage caused by this accident and I am waiting back to hear from them on whether or not they are going to accept responsibility for this damage caused from my accident from when I was insured through them.

I had a contract with them for $32.00 for 6 months. They get the money automatically from my bank, but the last two months they took from it $177.00 with no authorization from me.

It has affected my bank account. I lost with them $354.00 which I was counting on to make my other payments and which now don't have.

My car was rear ended on Oct. 25, 2007 by a car insured by 21st century. I promptly filed a claim, and they sent an adjuster. Damage to my car was minimal, about $700, which was settled by 21st Century. After the accident, I felt fine and did not find it necessary to mention bodily injury to them. But, within 24 hours I had severe discomfort in my back followed by tingling and numbness in my right foot. As per my doctor's advice I had an MRI and X-ray, and was referred to a orthopedic specialist. It was determined that I had disc slippage which resulted in slight nerve damage. I had more than 2 months of physical therapy, through which I suffered through burning and tingling in my foot. In the meanwhile, I gave permission to 21st century to collect my medical records and hired an attorney as well.

So, far I have not recovered, and my symptoms have worsened. 21st century denied my claim for bodily injury stating that since the damage to my vehicle was minimal I could not have suffered the injury I claim. My doctor says that its possible I might never fully recover or it might take a few months. Do these guys have any ethics of any sort?

I've been a customer of 21st Century Insurance for 16 years and only had a couple claims in that time. In January of this year I bumped another person causing a 4 inch long scuff on her car and zero damage on my car. She said everything was fine and that I barely hit her. Come to find out, she filed a claim against my insurance. I told 21st not to pay out anything before contacting me to see if I could handle it. Who wants their insurance going up? Nobody ever contacted me, and my insurance didn't go up in June. Well, I just got my new policy, and my insurance went from $185/mo to $416/mo! That's for her alleged $1700 medical treatment and $500 bill to fix her car. A 225% increase? What do we have insurance for if we're going to get penalized so heavily that it makes more sense to pay the other person?

I'm livid and am canceling my policy with them at the end of the term. 21st Century has gone downhill the last few years. My insurance goes up almost every 6 months and for what? My car is depreciating so why the increase? They say it's because thefts in my neighborhood have gone up. Yeah right. Now 21st is telling me that I shouldn't cancel because everyone is going to charge me the same rate. Well, not according to Allstate and State Farm who are offering me considerably lower rates. Thanks 21st, but no thanks!

I called this company four times everytime I get an invoice and they told me to disregard the invoice and they will take care of this. They haven't done anything and I affraid it will go to the collection agency and will create more problems.

My insurance company (21st Century) terminated homeowner's coverage of my residence (obligatory fire insurance required by the lender) one month after the coverage begun. They claim that my property is situated to close (less than 500 yds) to brush area.

Before, I had insurance with another insurer but I was not happy with the premium I was paying, so I was shopping for a better rate.

21st Centure offered me what looked like a better deal. Because I applied for a policy one month before I needed a new coverage, they had every chance to figure out if my property meets their criteria or not. Instead, they just told me that my property is OK for them to insure and then they canceled the coverage one month later. Should I know that they are going to terminate me, I would not enter in any contract with them.

Now I am in a very difficult situation because of their recklessness. All insurance companies ask me if my current insurance has been terminated (it will in about 3 weeks) and once they learn of pending termination because of brush area adjacent to my property, they are definitely not willing to insure me. I am facing a financial loss of 2,000+ dollars a year for a high risk insurance and revocation of my home loan (1st mortgage) if I fail to find another insurer for my residence in about 3 weeks.

My property is not situated in brush area according to a listing compiled by the state. There was no fire here for as long as my city (Yorba Linda) maintains the records. I did not have any losses, except for small wind damage ($500) of a fence.

After receiving the quote for $480 from 21st, I opted to send the payments in Full. The insurance company took my credit card and made a charge. Withithin 15 days the insurance company started sending a false bill without any notice saying my balance is $17 a service frr of $9 is applied. The representative didn't resolve and every week they keep saying a different amount is due. They have a very worst billing practices to cheat the customer.

We contacted 21st century on July 1st 2003 to remove myself as an excluded driver from my wife's policy and add my recreational vehicle to the policy as well because we were just married and my driving record had improved. We where speaking with Michelle who said the computers where down so she couldn't pull my driving record but said she would make the changes and call us back with the new premium increase the very next day when she returned to work but that I would be covered at 12:01 am July 2nd. What she did not tell us is that I would not be covered until she called us back. And guess what she never called us back.

A week later my family and I were driving up to go camping (my 2-year-old baby boy and 5-year-old daughter and my wife were in the car) when another car speeding took a corner too fast and spun out and crashed into us, sending us sliding sideways down the road with cliffs on both sides of us. I was able to control the car and safely get us off the road but the other car rolled over.

Everyone was ok but the other driver had no insurance and my wife was distraught because we didn't know if we had uninsured motorist coverage, which we found out we did, but because Michelle never called us back I was still not a covered driver and our car would not be covered.

I've attempted to call 21st Century many many times with still no resolve to the matter, they say the only one that can help is Michelle but it is almost impossible to reach her. I've left voice mails on her and her supersivers phone as well as other employees leaving messages and e-mails for them. Meanwhile I have no means of transportation for my family to get to school, work and the babysitters and am having to borrow rides from friends and family.