Most of the time, I can just leave messages. I have out-of-pocket costs related to the accident and I can't find out how they will be paid. Today, I was told that the claim had been closed and that I had not send in the required paperwork for reimbursement (which I never received). Now I'm being told to request reimbursement from the other person's insurance carrier. I'm beginning to understand why people use attorneys to handle their claims.

Instead, communication began to break down early. During the initial phase of outreach and claim setup, we experienced inconsistent responses and difficulty obtaining clear direction on what to expect next. Over a weekend period, a different agent became involved in discussions and attributed delays and lack of progress to the time of year and staffing limitations due to holidays and workload. While we understand operational pressures exist, the practical reality was that our household was already experiencing transportation hardship and growing financial stress, and those impacts did not appear to be fully appreciated.

From the outset, we communicated the ripple effects of losing our primary truck. This vehicle was essential not only for daily transportation but also for occasional income-generating opportunities. Losing access to it meant lost wages, missed work flexibility, and additional strain during the holiday season when expenses were already elevated. These concerns were raised repeatedly, yet the responses we received suggested those consequences were outside the scope of meaningful consideration unless tied directly to bodily injury. That position felt disconnected from the real financial pressures families face after a total loss event.

As the claim progressed, we also encountered shifting explanations regarding available coverage and how certain benefits would apply. Early conversations created an impression that the situation would be handled in a relatively straightforward and supportive manner. However, as weeks passed, guidance changed and we found ourselves seeking clarification on issues we believed had already been addressed. This created uncertainty and made it difficult for us to plan responsibly.

Another major source of delay involved the handling of lienholder verification and title status. The importance of identifying and coordinating with the lienholder should have been addressed promptly at the beginning of the claim. Instead, confusion around whether a lien existed surfaced later, extending the timeline unnecessarily and adding further frustration. This contributed to a growing perception that critical aspects of the file were not being proactively managed.

The vehicle valuation and appraisal process was also a point of significant concern. We found ourselves repeatedly correcting or clarifying equipment details and condition information. From our perspective, it appeared that information was being compiled or adjusted reactively rather than being thoroughly verified before presentation. This lack of confidence in the accuracy of the valuation process added another layer of stress. (Clearly no one had a the icc report before sending the ccc in the appropriate policy time frame.) (Comps were 100% fake.) Throughout the claim, there were multiple interactions that left us feeling as though we were being treated as if we were at fault or required to justify our position rather than being supported as policyholders dealing with a not-at-fault loss. That tone, combined with delays and changing guidance, eroded trust in the process.

Most recently, additional communication over the weekend appeared focused on explaining prior handling decisions and maintaining internal consistency rather than acknowledging the cumulative impact the process had on our family. By that point, we had already spent weeks navigating uncertainty, financial disruption, and emotional strain while simply trying to reach a fair and timely resolution.

Although the claim has now been settled, the experience required far more persistence and follow-up from us than should be necessary in a total loss scenario. The extended timeline, lack of clear accountability, and practical consequences for our household made this an unnecessarily difficult situation. We are providing this detailed account so that Erie has a complete understanding of how claims unfolded from the policyholder perspective not that this is important clearly displayed here on this claim but hey you all had your great holiday season and time off, that seems to be all that matters here at Erie! If my wife and I could do no stars we would because they don't even deserve that!

I also experienced dismissive and concerning communication from adjuster Madisyn Andrews. During a recorded phone call on November 11, 2025, she requested my statement regarding the incident. Immediately after the recording ended, she stated that I was “most likely not going to win” and that she had seen similar cases and “they always lose” before key information, such as the police report or the insured’s statement, had been reviewed.

I ultimately received a response on December 22, 2025, from a regional director affirming the original decision. Regardless of the liability determination, the lack of communication after promising a supervisory review and the overall lack of professionalism in the process made this an extremely frustrating experience. Based on my experience, I would strongly encourage others to avoid doing business with this insurance company.

• The adjuster showed up unprofessional and biased. Adjuster Douglas ** made inappropriate comments to our roofer, questioned his ethnicity, and kept calling him a “storm chaser”. He made the whole process uncomfortable and hostile.

• We had 4" hail during the storm and Douglas ** disregarded storm damage to one slope of our roof and didn't catch clear clear storm damage to both garage doors.

• What he said on-site didn’t match what he later put in writing. He verbally acknowledged damage on three slopes. The written estimate only included two. When we asked why the story changed, the answer we got was literally: “ask your roofer.”

• Erie created impossible requirements just to avoid paying coverage we already pay for. They demanded documentation from the City that they specifically stated they do not issue to anyone. Even after the city emailed Erie directly confirming this, Erie wouldn’t accept any alternative. Meaning: the $40,000 Ordinance & Law coverage that exists specifically for situations like this was effectively blocked.

• Communication was awful. Weeks with no response. Delays that pushed us into needing to fix our roof out of pocket before winter, because roofing season is short here.

• Their explanations kept changing. Not storm damage → protected by solar panels → maybe blistering → maybe something else. None of it aligned with the storm data or the contractor’s findings. The story changed every time we pushed for clarity.

• And when we tried to use the appraisal process that’s written into our policy? Erie blocked it using legal language loopholes — removing our ability to resolve this fairly.

If you'd like to read the full story, DM me. I’ll send you link to my 24-page complaint I sent to Erie this week, the one that resulted in a rather soulless call from Chad ** at Erie telling me they’re changing nothing.

Original Review: Erie Insurance has made the claims process an absolute nightmare and we’re 5 months into no resolution. My agent, Douglas **, and his supervisor, Angie **, have stopped responding to my emails without explanation. They have thrown up every possible obstacle to avoid paying what I’m owed, including demanding a letter from our city inspector, even after being told verbally and in writing that our city does not issue those letters. Erie knows this, but continues to use it as an excuse. When I tried to move forward with the appraisal process, as outlined in my policy, Erie responded by hiring an attorney to stop it.

I’ve been a customer since 2011. My father and grandparents are also insured through Erie. After this experience, I’ll be warning them and others about how Erie really operates when you file a claim. Erie is not acting in good faith, and you need to know it. Photos attached of some of the hail damage Erie snaked their way out of paying for.

I speak with Noah. He tells me Erie had a power outage. I ask him then why wasn't I called or notified so that the payments would have still been on time and not a whole month behind. I told Noah that I live10-15minutes away so to come in person would not have been a problem. Noah said, "We have over 8000 customers so we couldn't contact everybody." I told Noah that to let my payments fall behind a whole month and say nothing is an inconvenience to me. Noah said, "Well we still provided you coverage for the month of June," so then he proceeded to dictate to me what I should pay to get the bill caught up. I told Noah No to everything he said.

I told Noah I didn't refuse to pay any bills so why am I being penalized for they didn't do? He said, "We provided coverage for you." I told Noah, "You all have my account information and could have paid yourselves. Even if the payment wasn't taken out on the due date you still had the rest of the month to due that withdrawal or contact me. So you all dropped the ball and want me to pay for your mistake, you need to be penalized." I told Noah, "You are not going to tell me what to pay to catch up a bill that you let fall through the cracks." I told Noah that at this point I am being inconvenienced and I would pay and extra 20.00 monthly until November to catch up the bill. I paid the doubled 26.42 because it was the smaller amount.

After some arguing and going back and forth Noah agreed to the extra payments for the car insurance. Noah said that once everything was caught up the payments would go back to what they originally was. August 2025 I get a bill in the mail for 422.66 and a second bill in for 52.84.. I checked my account and they paid themselves 61.00 and some change. So at this point I was done with the games and the debt they were creating for me. It was time to find another Auto and renter insurance. I called the office to cancel. No one answered and the recording tells customers you can't cancel by calling or emailing. I called the corporate office and they said they couldn't do anything. I'd have to contact the agent. So I told the rep at the corporate office that I was en route to the office and I asked if the office was open and corporate said yes and I also checked on line the times and days.

When I got to the office on August 14, 2025 at 3:15pm all lights out. I knocked on the doors and windows. Nobody came to the door. I called. The recording answered. They close at 5pm so I was prepared to sit until 5pm to see if anybody would come. I began taking pictures of me at the building the insurance company works out of showing all lights out nobody there. I called the corporate office back and told them that I'm at the company in highland Indiana and no agents are present and and all the lights are out. I want to cancel the insurance with Erie. The rep will make a note. Next I got letter cancelling the policy and a bill for 263.31 and a check for 28.60.

Finally, everything was settled and I was itching to change insurance companies, asap. So, I did for A LOT cheaper. That's the other thing too, check regularly because they KNOW you get comfortable and don't shop around. Anyway, shortly after changing insurance companies, I received a letter saying I owed $440. Then, I received a letter saying they owed me $1400, and I would be receiving a check soon, which I did. No further communication was received from them.

Forward two months later, I receive a collections letter in the mail for $440. Wouldn't it have been cheaper to send another piece of mail explaining the amounts??? That would be below them, though. I DO NOT TAKE lightly a collection being sent to me because they are too lazy to contact - or maybe sending this off to the collection agency and taking "a loss" is another money-making scam like selling my car to an auction. I have 720+ credit, and this was ridiculous. I paid it ASAP, just as I would have had they sent me a piece of communication telling me I still owed money.