Auto-Owners Insurance Reviews

Man ran a red light and hit me and my kids. He was test driving a car. This was the car lot's insurance. Worst company ever to deal with. Wouldn't return emails or calls. Did everything to avoid getting me money on my totaled vehicle. Low balled. Me and my minor child were injured. Months and months of therapies and Dr visits. Low balled in personal injury claim. Took forever with our settlement money. These people don't care about the victims hurt by their insured clients. Horrible people. Really shouldn't get any stars

Save yourself a lot of hassle and money, find a different insurance company. Auto-Owners has the worst customer service I have ever experienced. We struggled with this company charging us for insurance on a car even after we sold it and told them about it. They continued to bill us for the car that we no longer owned, and when we brought it up again with our insurance broker, they told us they would get it fixed.

If I could give these crooks zero stars, I would. I had a renter's insurance policy with them. My tenants moved out and trashed the home, tore chunks out of the wall, stole a washer dryer, ripped out everything attached to the wall, just trashed and vandalized the place. Auto-Owners, specifically Justin ** and Rachel **, denied the claim, arguing that I could not prove the damage was done with mal-intent, citing case law. When I asked how someone accidentally scribbles with permanent marker on a ceiling and rips every fixture out of the wall on moving out, I was told that such actions were "hard living". When I asked for a definition of hard living, Rachel replied that she was not an attorney, just having cited case law one minute earlier. These people will do absolutely anything they can to deny your claim. Pay a little more and go with pretty much anyone else.

DO NOT GET THIS INSURANCE. Very poor customer service.. Had insurance over 10 years and 2 claims under $3000… They treated us horribly..!! The supervisor treated us worse than the adjuster. Now my attorney has to get involved.

Auto-Owners car insurance is raising the price unfairly. This year they raised it by $250! It's unfair. There were no tickets, car accidents, or anything else that would give them a reason to do what they do. I don't recommend.

I will never ever use Auto-Owners Insurance again. I was given a written quote with an annual premium receipt and set it up for monthly billing. I made one payment and then got a bill the following month in the mail that tripled my monthly payment and they refused to do anything about it. Refuse to call me for days and weeks. Punted it back to the local agent and in turn the local agent. Refused to handle it and blamed it on corporate. Zero satisfaction will never do business with them again.

I was in an accident, not fault of my own. Hit by a truck from behind. This person has auto owners insurance. It has taken almost a month to try and get car fixed. On top saying they would give me a rental, yet I have jump through hoops to get this rental car from them. This is one of the worse insurances I have dealt with in my 46 years of life. I can see why they have a 1 star. I hope no one gets into accident and the other person has this insurance because the service is horrible. Just trying to get my car fix and be able to get to and from work for the week while car in shop. I should have just sued at this point might have gotten a lot further. I just want my car fix and was trying to play nice, but looks like that needs to change at this point and let lawyers deal with this.

Please do not waste your money on auto owners insurance. I have not made a claim on insurance in over 30 year but had a minor accident. They will only fix a portion of the damage. There is a dent that is higher on the car than they think it should be so they’re denying the claim. I hit a tire on the highway and they will only fix under the car even though debris flew up and left a dent higher on the car. This happened in one incident but they want me to file an additional claim and pay another deductible. This is just their way to keep from paying as they should.

I would give this service zero Stars if I could. They have failed to show up on a number of occasions even leaving me overnight with my car and they won't even do basic things like pull nails out of tires. I highly don't recommend this service. Utter disappointment.

I recently had a frustrating experience with Auto-Owners Insurance that I feel compelled to share. First and foremost, my dealings with Auto-Owners Insurance have been my worst experience with any company to date. If you are not a policyholder, be prepared for a frustrating battle, even if they initially accept fault in an accident. To summarize my ordeal: Date of Loss: July 11, 2024. Towing and Rental Car Assistance Denied: July 24, 2024. No Resolution or Compromise on Claim: October 11, 2024. Despite them taking responsibility for the accident, I faced endless delays and a lack of communication. I reached out multiple times for updates, only to receive the same generic response: "Still processing claim with all involved." It felt like a deliberate attempt to drag out the process and avoid accountability.

DO NOT USE THIS COMPANY. We paid our policy in full and with absolutely zero notice were cancelled due to non payment upon our renewal. Months later we get a letter from a debt collection agency stating that we owe ~$300 and need to pay immediately even though we were never invoiced any additional fees. So far we have received exactly one communication from auto owners letting us know that our insurance was cancelled months prior and we had been driving uninsured with no notice.

We have had a policy with Auto-Owners for several years, always paid on time. We were robbed recently. We turned in a claim within a week of the robbery. It took them 4 months to process the claim. We had to call them over 40 times, they kept coming up with these reasons to delay. Finally they sent us a denial letter because of an error on our paperwork. We corrected the error in one day and apologized. They still refused to pay us. We had to hire a lawyer to fight them to get paid. So far they have paid us nothing! Our claim, the loss in stolen tools and equipment, is over $43,000- and Auto-Owners has paid nothing.

We have been with Auto Owners for over 20 years - we have our first claim for our commercial policy involving an injured employee and injured driver of another car. They paid to fix our van and the other drivers car but then DROPPED US from their insurance and now refuse to pay and medical claims. We have our garage policy with them as well but shopping around. We will never do business with them again - they happily take your money but when you actually need the coverage you have been paying for for over 20 years they drop you! We will be getting an attorney now to fight this.

So I had to file a claim accident was NOT my fault... I argued with them forever... but according to them it is. I just received a letter of non renewal. Been with them 11 years... I have filed a total of 2 claims.. Isn't that what insurance us for?! What about all the years I never filed a claim... So I guess if you USE your insurance you lose it .. Awesome.

Hail damage claim. Once I started the claim someone contacted me via text, asking if I wanted to enable texting with my claim. I responded with YES. Phil the adjuster had called me to set up an appointment to meet to look at the damage. The day Phil had scheduled I was out of town. We agreed he would meet with my contractor. I texted the contractor's information. When Phil called me on the scheduled day 7/3/24 of the inspection I asked him if he had contacted my contractor. Phil said no, he did not have the information. I told him I had texted the information on 6/27/24. He stated he was not checking the texts. I did not have anyone on my side to protect me from the insurance company now. After Phil's inspection, he stated it was blemishes and Mechanical damage. Now I'm dealing with Chad, Auto Owners manager. He is sticking with what he thinks is Phil's professional opinion is.

They play games in order to deny your claim. I have had Auto Owners on some of my rental properties for years. I have never had a claim. I went with Auto Owners on my personal residence at the end of last year. Shortly after enacting the policy and paying the premium in full, they decided they did not want to insure our home. Their reason was that we were in the middle of a renovation and they wouldn’t cover us. The renovation is being done by my company that has been in business for over 25 years and has never had a claim either. Silly.

After 25 months of fighting Auto-Owners on their BAD FAITH it's proven the 2018 code clearly states its manufacturer's guidelines that need to be followed. I'm mystified how an insurance adjuster and his bosses do not know or understand the 2018 UBC. Roofing Code. Finally I ask every Auto-Owners Adjuster including Terry ** my adjuster handling my claim his boss William ** and his boss Matt ** if you now understand the 2018 UBC Roofing code regarding space decking 1/4 inch gaps are up to the manufacturer's guidelines requires Decking to be a nailable surface and not Auto Owners Adjusters Willfull ignorance of the code. Auto Owners continues BAD FAITH on code covered decking. Sincerely beat down informed customer.

Claim Handler Taylor ** is not reliable, She acts like she hates her job and never answers the phone. Barely gets back to email/text also. I am very unpleased with her work. Would like to have her reviewed.

My wife going straight (2023 Lexus ES with safety collision/pedestrian system, $13k-15k damage) was hit by Auto Owners insured while their driver was backing out of angle parking on a major thoroughfare. Claims agent "Rachel" took wife's statement and later their insured gave statement to "Rachel", based on their insured statement Auto Owners agent is denying claim even though police report states their insured "unsafe backing," but no ticket given. From our insurance adjuster we have been able to disprove their insured statement given to our insurance and now assessed their driver 100% liability. In our option Auto Owners wants to delay as not pay for rental and diminished value. Delay, Delay, on and on.

Never had accidents, etc. but in 2016 had car broken into and they replaced the window in 2 days, then 1 week later totaled car and travel trailer and they covered that quickly. About 6 years later back window on car was broken and was fixed within a couple days. It was embarrassing to have so many claims but didn't have any problem being covered. Wonder if so many 1 stars vs 5 is due to people who are happy usually don't write about good service.

This office has particularly horrible customer service. Rachel ** was assigned to my accident. It was a rear-end accident and should have been a pretty easy case. We were hit by their client who must have provided a false statement. We stopped for a yellow light, which is CO law when it is safe to do so. The person who hit us must have assumed we would run the light or perhaps was not paying attention. Either way they hit us prior to going in the intersection. Rachel denied the claim based on misinformation that we were in the middle of the intersection which is not at all what happened. I sent at least 5 emails over the span of Dec 8-Jan 19, I also placed countless calls that resulted in voicemail messages. Rachel never responded. Auto-Owners asked me to remove my first review and contact the company. At this point Rachel reached out immediately and took a verbal statement.

Don't expect them to do the right thing. They will delay and offer you less than what you deserve. They care more about profits than their insured. They are going to force me to sue even though their insured has admitted liability forcing me to pay for my repairs in advance and hope they will reimburse.

Auto-Owners is not a company I would recommend unless you're just wanting to pay your premium and never turn in an insurance claim. I've had all 3 vehicles, heavy equipment and home insurance with Auto Owners for 5 years and never had any sort of claim. Throughout this span I've got a 2009 Harley Davidson show bike. Policy premium for 50k. So of course there was an upcharge for each 6 month premium. Bike was totaled in July and they are refusing to pay on the 50k policy and refusing to fix the vehicle. After 4 months of waiting they have sent my belongings back to me that were all ruined due to water damage. They requested all receipts for upgrades only. That alone was 50k not including the bike itself. The first offer was 12k to settle, second offer was 28k, third offer was 32k. Never a late payment. Never had a claim.

I have been waiting on a claim for an accident. We are a contractor and got hit by a drunk driver who had Auto-Owners Ins. Thankfully we don’t have this horrible insurance. They have been stalling and nickel and diming the claim. It’s been two months and still have not been compensated for our property! They compared our trailer to lesser models and tried to give us half the value of a less than three year old special order contractor trailer. They did get us a rental for the first month and a half but we have been truck less for over a week! My customers are getting angry and upset and if you're debating on getting this company for yourself don’t. They're horrible!

We've been with Auto-Owners Insurance for over 15 years never getting into an accident. When we finally did (small bumper damage maybe costing the company $2000) they dropped us. There is no loyalty in this company, and they will drop you when they have to hold up their end of the deal. Be better Auto Owners Insurance.

February 2023 I had tree damage my home. I spent in excess of $120,000 repairing my property. It was either spend my life savings or I would still have a roof with tarp. The adjuster spent about 30 minutes at the claim site and was never seen again. She used a computer program to settle the claim. The final claim adjusted by Auto-Owners totaled about $40,000. You do not know what insurance you have until you have a claim. I felt bad for the Life Store because they were represented by this Company. BUYER BEWARE!!!!

Customer interactions have been marginal. I had a simple billing question. Their website was unreachable. I telephoned them. Identified myself with nine zillion questions. Got frustrated. They hung up on me!!! All I wanted to do was edit my automatic payment and email address. If the website was functional, I wouldn't have had to call. Horrible customer experience. I've had no claims, so I can't say if this company is any good. Their prices are competitive.

I switched to Auto Owners insurance and was in an accident that was not my fault. My jeep was totaled and Auto Owners said they would handle the claims process. They refused to give me market value for my jeep - shorted me $5000, would not pay for aftermarket rim and tire on jeep that was destroyed and charged me a $500 deductible even though it was the other person's fault. Run from this company. They are rude and incompetent.

Recently, our car was totaled in an auto accident 300 miles from home. We were contacted by an agent within a few hours who helped us through the entire claims process, from procuring a rental car to submitting a claim and receiving a settlement offer which we deemed very fair. The offer outlined the evaluation process and basis for the settlement proposal. We found our agent very accessible and customer focused. I would highly recommend Auto-Owners to my family and friends.

Sell you product that isn’t worth the paper. It written on denied a water sewer damage that has been latent that’s in their language. Tear is in the language but they someone else did so they're not responsible. No language stipulating third party causation not covered. Missing language. It’s not even ambiguous so should find in favor of insured.

I had Auto Owners Insurance. The claims department is a nightmare! They lose paperwork, never tell you the truth, and Auto Owners Insurance would rather hire attorneys than pay you what they owe you! Auto Owners Insurance will drag you.

Auto-Owners was rude from the very first phone call. Severe storm this summer resulting in roof damage to several homes on my street. Six houses directly around me have had roof replacements due to damage, covered by insurance. Auto-Owners sent an engineer who wrote a report that was insurance company friendly. This guy did not even lift the tarp to examine leak areas in the roof. He did not even look under the tarp which is in place to stop water from coming through my roof. There are half a dozen roof replacements on my street, and all were covered by insurance. Auto Owners has rejected my claim, without even evaluating the damage. Auto-Owners has not had a problem taking my money for the past 12 years, but they sure have a problem covering claims.

Regional Claims personnel Brook ** was very rude in dealing with my claim and when I called her out on her rudeness, she sent new an email back being even more rude. This was not my insurance company it was the person that hit me insurance. Hoping I never have to deal with her or this company again! Wow way to promote your company Brook! Think twice about having this company insure you!

New pickup was hit by a deer. The truck should of been totaled. Repair cost were over $16,000. They did not replace all damaged panels and doors as requested by the body shop. They forced the body shop to repair a door. The agent lied to me about what the body shop requested and told me I would just have to live with it. Horrible company and insurance estimator. DO NOT do business with this company. There is a reason why they are lower cost and have tons of money in the bank. I am sick by having a new truck with a repaired door. The value of the truck has decreased significantly.

In April, 2020 I bought a townhome in Charlotte, NC. I got my homeowner's insurance through Auto Owners Insurance. I purchase this insurance because the Association had the same insurance for the complex. Three months later I had a water stain on the kitchen ceiling and learned that the 2nd floor shower pan had failed. I was charged more than $8,000 just by the company that came in with fans to dry the place out. The bathroom repair will cost more than $20,000. The insurance company covered NOTHING! They said the policy does not cover leaks. What could we possibly need insurance for? Would not recommend them to anyone.

We have not had any experience in regard to an accident with this auto insurance carrier. However, it was rated really well and recommended by our insurance consultant. Rates were good, so we switched.

Even though I am an old lady, and was told by many friends that my car insurance would double once I reached a "certain" age, that has not happened. Of course I am grateful that I have not received any tickets, or have had any accidents in the last 10 years or so, so I cannot say how great this company would be if I did have a claim. However, based on the fact, as I mentioned before, that I have aged and my rates have not increased, I would be happy to recommend this company for car insurance.

Never made a claim with A-O but I consider their charges for coverage high. Checked with another carrier this year and their charges were similar. The local people at the agency are friendly and helpful. Never delt with anyone other than the people in the local office.

Very people oriented staff. Understanding, compassionate. Great customer service. Claims department acts immediately to file claim, home visit if necessary and compensation is done very quickly. Customers take priority with them.

Grossly overpriced. These people take advantage of silly no fault laws are in Michigan and they should be regulated. I am shopping my Insurance now and will dump this company as soon as I can. Auto Owners sucks.