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Sara of Kissimmee, FL September 26, 2009

I had two accidents in 2004 that were two months apart. As soon as I had the 2nd, they stopped paying on the 1st accident. My injuries were the same in both accidents but they felt that I must have recovered from the 1st accident when I had the 2nd, I guess. The 2nd accident made my injuries from the 1st accident worse.

I was sent to two independant medical doctors for esurance after the 2nd accident, one a chiropractor and the other a physical medicine and rehab doctor. The chiropractor said that no further chiropractic care would work for me and the physical medicine and rehab doctor said I should stay home and exercise. They cut off my PIP benefits. When I did not get any better, I went to a neurosurgeon and he wanted to do 2 surgeries.

I have been fighting ever since with esurance. They have ignored my letters so I have sent a demand letter and will file suit on Oct. 20 if I do not get a response. I paid for my coverage and have been denied my medical benefits when I need them the most. I have been waiting now over three years for those surgeries. It is like being tortured to death.

My condition has gotten worse. I have two areas in my spine that have now become "severe". I live daily with pain. I have lost my job and my health insurance. My employer was not happy that I could not do my job. If I would have had those surgeries in 2006, my back would not have collapsed in these two areas.

Carmen of Largo, FL September 2, 2009

I got this Auto Insurance via web side on March 09 due to was cheaper than the one I had. I paid in full 6 month policy with my debit card a sum of 1055.00, but before I did that I read all the info, notes, disclosures and more, I didn't read anything that indicated that I authorized the company to charge my debit card if any change had happend into the insurance policy.

On June 23rd, 09 I got a vmail from a call I couldn't answer due to been at work, I called back and who ever answered explained to me that due to my son has a driver license, live at home at that time and had used one of my car and had a car accident, I had to add him on the policy with a cost of 580.00. I said I don't have 580.00 0n my check acct at this time I can't pay, I told her I'll add him on my re-newal in Aug 09, if I'm not wrong is when I need to re-new right? she answered back to me, yes by Aug 1st is your re-newal.

I asked if they have an offer that give a discount to add my son as a graduated high school with Summa Cum Lauder (excellent Grades), then she said due to he is a good student the charges has been lower down to 460.00, Then I said is that the ammount that going to incresed my renewal I need to do monthly payments. She said that is to add him now and charge the acct on file, I immediatelly said "NO" I do not authorized you to do so because I don't have that much on my bank acct. She said that this need to be process by July 1st, I asked if this can be done by myself by July 2nd because I need to know how much I have left after paying my thied and rent, then I'll do my re-newal adding my son with monthly payments.

I asked if I can have everything by mail due to my modem was not working well and I was unable to open Email all the time, she said OK, but she was still also send me the info via Email. I never received any doc by mail and I found out that my son was added into my insurance policy on July 14, 09 and charge my check acct on July 30, 09 for 461.93 when my check acct balance was at that time at 110.04.

Esurance transaction got my saving acct empty due to not enough money to pay the charge transfer an amount of 281.13 from saving to checking to increase the check acct balance but still was not enough. after spoke to too many people at Esurance company they told me I shuold sign a form to exclude my son to be added to the policy, I asked why this was not mentioned before and why the person who spoke with me on June 23rd didn't offered that form to me, they had no idea.

They faxed the form to me, I signed and faxed back the same day but I still not receive my money back and refound of all nsf charges of 32.00 that my bank had done on my check acct due to not enough money to pay checks or any transaction I do, this over charges had increased to a total of 485.00 that I'm requesting refound for them and also refound of 156.00 or more of late fees charges on my credit accts for been unable to pay them on time due to not having the money.

On Aug 27th, 09 I spoke with Ryan, Corp Cust Avocate- ID# 2246, said to me that they are not refunding bank over charges and any other charges and the 461.93 will be return to me when the investigation finish on their side. I don't know what investigation they are doing because the only thing they need to do is to listen the recorded conversation dated 6/23/09 whe I said "NO, I don't authorized my son to be added into the policy and can't debit my card."

they also wanted to charge me 25.00 when I asked againg to mail me copy of my Ins Policy, I asked how many pages are going to be send, she answered unkown, I advised that legal doc cost 1.00 1st page and 2.50 additional pages and 25.00 means 13 pages, I refused to pay for the doc. I printed the Ins Policy out of the web. Now I still no have my money a total of 1102.93 (461.93 + 485.00 + 156.00). I need to know if this is a case for small claims or what should I do to get all my money back? I'll appreciate a lot for your help.

Sid of Moffat, CO August 14, 2009

I have had Esurance for about 18 months. They gave me a very good rate but I now know why. They have terrible service and they are rude. some of the things they do , I think should be illegal. First thing, the last time I was renewed there was a 150 increase and when I enquired why they said the state of Colorado increased the amount they have to charge. I knew this was not true so I pressed them for more information and they then said the increase was because I paid them late. I am set up with an automatic payment with them so if it was late it was their fault, when I told them this they lowered the amount.

Next thing, I backed into a pole and damaged my pickup on June 28,2009. I turned the claim and they sent an adjuster. In the meantime, I taped the taillight wires together and went and got a estimate. when I showed the estimate to the adjuster he said his estimate would be exactly like the one I had but would have a slighlty cheaper bumper. When the money was sent is was based on their estimate which was a lot lower than the on I had (and what the adjuster said).

When I asked about the lower amount the said they would settle up later- a "supplement". When they sent the check it had my finance company on it and the bank would not take it without the finance endorsement. I sent the check to the finance company and they kept it saying the would give it to me after I paid for the repair. I could not afford to pay first so I called Esurance for help. I was told by Jason that he had to protect the finance company and that was their "policy".

I asked Jason who was going to protect the customer, me , and he repeated he was going to protect the finance company. I told him I was going to write and complain about his behavior and he flat told me to go ahead I was only one person.I told him to find someone at Esurance that protected the customer and get back with me, I have not heard back yet(one month). I looked at my "policy" and I cant find where they mention getting approval from a third party to get my vehicle fixed. So it is not policy.

I have rental insurance with them that would pay 30 day for 30 days. I was told that the rental was only for the days the vehicle was in the shop. I knew this was not true (or why would they have 30 days) so I checked on the website and it stated it was while the vehicle could no tbe use. Since my tail light connection would not stay taped together, I demanded to be paid my rental. they finally agreed and sent me 14 of the 30 days (it had been about 20 days).

They did not actually make it possible to take my pickup in until August 10,2009. I asked for the other 16 days and they said the pickup was driveable( if they believed this they would not have paid the first 14 days) and they werent paying, I guess this is how their "supplement" works. They were supposed to send a new check to me but I have not seen it yet and my truck is in the shop.

Jason of Brooksville, FL July 10, 2009

I cant believe what just happened. I've had Esurance since Feb 2006. At first I had just my 1995 Ford F150 on the policy until Feb 2008. At that time the policy was 101/mo. When I added my 2008 Ford Escape the policy went up to 185.50 a month. My renewal was supposed to be 07/12/2009 so I called to see if there were any discounts or changes that could be made for a cheaper rate. I was told they gave me the cheapest possible which was quoted at 1099.00 for 6 months.

So I went shopping and called GEICO. They gave me IDENTICAL coverage for 514.00 for 6 months!!! WOW

Monthly payment Esurance: 185.50
Monthly paymeny GEICO: 89.07

Esurance is a rip off and a scam. Every year my insurance went up not down...no claims ever...no accidents or tickets during the life of the policy!!

Kristina of Panama City Beach, FL June 9, 2009

My roommate some how backed into my brand new car even though she was parked next to me. Her insurance is Esurance. The lady at Esurance whom we are dealing with has been so rude, it takes her 2 days to return our calls and this last time she hung up on my husband when he had some questions about the estimate given!. It was a simple fender bender and yet it has been 2 weeks and the car finally went to the shop yesterday! Esurance is slow and rude.

Enrique of Yakima, WA March 17, 2009

Enrique of Yakima WA (03/17/09)
On November 7th 2008, my car was struck by a deer ( a no fault accident) my car was then towed to Courtesy Imports (a MITSUBISHI Dealership) there, it was stored for several days and I was told repeadedly that the car was totalled so the first dealership did NOT write an estimate for the damage becaused they assessed the car to be a TOTAL LOSS and should be totalled. Esurance, KNOWING this took the car to CO-Part. Where we all know totalled vehicles are stowed. About a week later I was called an told that the car could be fixed by a local body shop. The shop said they could fix the car for about 8 thousand dollars. I was surprised to hear they could even fix the car for under 15K and was VERY skeptic from the beginning.

I had a short talk with Bernard, Body Shop manager, asking if he could fix this TYPE of car or if he has even WORKED on a car like mine, and assured me he could and all cars are the same... I advised him my car is a HIGH performance car and needs special attention. He assured me the car would get fixed right. 4 months passed since the accident, my car NEVER reached industry standards and to my satisfactory AT ALL, Auto Body cut too many corners to try and make money on this car. This same body shop destroyed the INTERIOR of the car. I was told the car could still get fixed by a different body shop if I paid my deductable, which I did with out question immediately.

The second body shop, of my choice, who specialized in HIGH performance cars REFUSED to work on the car because they KNEW it should have been totalled in the first place JUST on the pictures shown to them from the accident and the look of all the damage on the car. 4 months passed by, I paid my 700.74 car payments on time with out question and my 1000 deductable. I asked repeadedly if I could get a rental car just temporarily so I could work-which I think due to the circumstances, is a reasonable request on my part seeing how it took so long. Being denied so many times, I told my boss I could not work until I was able to get a vehicle.

Due to the amount of time without a vehicle to get to work, my boss fired me leaving me with no job and no wages for the whole 4 months I was out of work totalling to over 2800 not including lost wages. I believe it to be a reasonable request to be compinsated my lost car payments last 4 months due to the fact the car should have been totalled in the first place. I believe the claim adjusters and reps did not do their jobs to the fullest as far as customer service because corners were cut that should not have been cut.

What im trying to say is that I took it to Mitsubishi because I knew, being a high performance caar dealership, they would fix it correctly from the beginning. But they claimed it to be a total loss. The reps, without getting a complete estimate, took it to Co-Part, trying to save Esurance a bucktook it to copart and then had an Under-cutter body shop where they in turn, thought they could fix it for a small amount of money which they ended up doing more damage to the vehicle. Im sure you can understand my frustration and financial situtation.

lost job, lots over 2800 dollors in payments and lost wages for 4 months.

John of Tonawanda, NY March 10, 2009

John of Tonawanda NY (03/10/09)
First insurance policy had the wrong effective dates due to customer service rep error. Even though policy was cancled after only 1 hour, Esurance still charged me 15.00, which they promised to return but never did. Second policy was effective for 2 months. Esurance had asked for proof of residence, that was emailed to me by them. I had printed the document then deleted it, but never faxed it back to them. I had called them to get another copy emailed to me, which they did. I promptly filled out the paperwork as required, had it notarized and faxed it back.

On Friday 3/6/2009 I received a call, while at work. The customer service rep had told me that that was the wrong piece of paper that I faxed to them. I had told her that that was the document that Esurance had emailed to me, not once but twice. She had told me that she had emailed me the correct document on that day, and I had to return it by 3/8/2009 by midnight, or the policy would cancel.

Since I did not get out of work to 6:00pm on that Friday I could not make it to the bank to have the paperwork notarized. I called in to ask for more time, since Esurance had emailed me the wrong document two times, but was told no. Esurance had then canceled my policy on 3/9/2009 at midnight. I would have to say this was very unprofessional since they made the error twice with me. On Monday 3/9/2009 I had faxed the paperwork to Esurance first thing in the morning. They had told me the paperwork was unacceptable, and my policy had been canceled. I had spent over 2 hours on the phone with 5 different representatives. The last phone call that was made I had been told to re fax the document and the policy would be reinstated.

I was then transfered to the sales department where I was told the policy would have to be repurchased, not reinstated, with another 340.00 deposit. This was unacceptable to me. Finally when I told them that I would not repurchase a new policy, they offered me a 40.00 refund from my 325.00 deposit in February. Esurance has now lost a good paying customer due to the fact they are very unprofessional and very disorganized within.

Rhonda of Chalmette, LA March 6, 2009

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