SAFECO Auto Insurance Reviews

The first lie. Was the Penna Treasury now has my money, so I did legwork and Penna State Treasury does not have my money. Back to safeco. The next customer service person tells me we are going to re-send the refund in form of check. Once again lied too. 5th call to safeco. Next customer service person then tells me that no check has been drafted at current time. This is Dec 1 2020. This company is an absolute disaster and now would never recommend or buy anything off of the company again. This has been a total failure of any good business practice. They now hang up when I call. And only correspond thru email. Do yourself a favor, get quotes elsewhere and stay away from this company. Obviously I have to file a lawsuit to get my reimbursement from this company!!! Stay away!!

They made me send them police reports and all kinds of affidavits and statements - several times over - and then accused me of being involved in a "drug deal gone bad." I do not do illegal drugs and was asleep in my bed when I got a frantic call from my roommate around 2 a.m. However, ever since I informed them of my loss and desire to stop paying premiums, they have treated me like an actual drug addict who was attempting to fraudulently make a claim against them personally. Finding no evidence of my involvement in the loss of my truck after several months, they paid me $2,923, of which they kept a $2000 deductible. They didn't refund the premiums that they forced me to pay from March until November.

They continue to insist that I had something to do with the loss of my truck - even after paying me off with a check for $923, and have now listed me as uninsurable/high-risk and have cancelled my insurance coverage. I am a 100% disabled veteran existing on a small disability stipend. I have been without a vehicle since it was first stolen, as $923 will not replace my truck or, for that matter, provide me enough cash to purchase any other reliable vehicle. I am in limbo and in SAFECO Hell, whom still blames me and is keeping their investigation open until December 30, 2020. These people love taking your premiums, but will fight you tooth and nail not to honor any claims you might have to file. Avoid them and their parent company, Liberty Mutual, like the plague. Yeah. They're that bad.

I ended up switching my auto insurance to another company which means I ended up paying more while eventually receiving a letter from the DMV STATING MY REGISTRATION IS SUSPENDED FOR FIVE DAYS DUE TO A LAPSE. When I tell you I’ll rather pay more money for insurance than to deal with this company I mean it!!!! I WISH I CAN GIVE - 0 stars. Luckily I wasn’t in an accident or had to file a claim because I would of been doomed trying to reach someone. Terrrrrible. They should be ashamed of themselves!!! I personally took the time out to make an Account to write a negative review!!

They quoted our car's value at 35k pre accident and are suggesting its diminished value is now 31k. After a couple of appraisals, the best offer we got was 20k. After repeatedly asking them who they got a number 11k more than ours was we were told it was their "Best Educated Guess" based on all the experience they have in this industry. They also followed this statement by saying that almost all diminished value situations fall within 1k and 3k???? Do you think you are talking to a complete idiot? I am absolutely furious and will NEVER be a Safeco / Liberty Mutual customer again and will post in every corner of the internet to safe anyone else from this SCAM of a company. My advice is to run away and pray that you never get hit by someone with this ridiculous excuse for an insurance company representing them...You will be sorry and screwed, trust me!

So the way they want it is I pay for someone else to hit my car. No thanks. Stay away from Safeco and Liberty Mutual. They are the same company and they Don't care! I asked for a supervisor to call me back but as of this time no one has called me. I will file through my ins company, and let them go after the party for no payment. But I want to warn everyone that there is a reason why the rating of safeco is so low.

Finally I get a call back from another new adjuster and he admitted that he lost my claim and it would be settled in a week or so. That time went by and I made several dozen called over a few weeks and never got a call back. Then out of the blue I get a call from a new adjuster and he wants all the pictures again and a statement. At this point we were at a year after the incident. I gave him all the info yet again. He also said it will be done and settled in under a week. A month goes by and my patience had run out. I contacted my agent and asked him what to do. He made some calls and told me to get lawyers involved because he’s seen them do this before. They wanted me to give up and then not have to pay the claim. So I got a lawyer.

After my lawyer got involved they talked to him a few times and then sent my claim to the fraud department. Coincidence? I wonder. So now we are at 2 years in. Since my lawyers have been involved they have changed adjusters 5 more times. Again wanting all the photos of the property and statements but something new. They want my taxes for the last 5 years. I’m not going to comply with the taxes. None of their business. March will be 3 years of their lies and false promises and little games. I’ve lost so much time, money, all to just get my property replaced or paid back.

Last week they wanted a deposition for which I complied. Basically all the same questions as the 12 other adjusters and whoever else at the company have already heard. I’ve never had a claim other than a car accident when I was 19. I’m 40 now. Never been to jail for any reason. I’m a business owner with a good reputation. A military veteran with a Honorable discharge. Take this story and tell a friend, a co worker, your family. STAY AWAY From SAFECO and LIBERTY MUTUAL. Lies, Deception, theft, and Fraud is all they represent

I initially signed up with an adjuster who agreed to give me my first request I make sure of, my $25,000 medical payments. Then they gave me a different adjuster who changed all the stories around, and played word games. I never received my policy and kept calling and calling. Now I am hit in an accident, and they say I have "additional" $2,000 and that is my only medical payments. I had $25,000 medical payments. They put the whole $25,000 in liability, and gave me $2,000 medical payments saying they called it something else, and charged me $98-$108 a month. The auto adjuster pushed me to be in touch with the other company, and I said I want my insurance company too. They pushed, and then the other company said I had to give a recording in order to get my vehicle covered, and he added medical questions I said I was not comfortable answering. This is about my vehicle.

He told me I would not get my car coverage unless I answered them, so I kept it brief. Rude. Illegal. An insurance company cannot force you to go to the responsible party's insurance, and would not advise you that you have to be in touch with them. You were hit by them. No, you do not have to. Your company can do this work. They said it would be quicker, and could get me my car fixed quicker, and get me my deductible which they deducted from my pay out anyway. I still have not seen. The auto adjuster did not talk about my deductible. I asked him to get it for me, and two times he said "if I can." I researched, and it states that if another party has been deemed responsible as this one has, the responsible company cannot deny your deductible. They kept saying things like "they may not agree, they may not want to." Lies.

There was so many delays it caused my car interest to go up by the time it was paid about 2 more months later. I had to track it constantly. I had to go to their adjuster, illegal, then they denied me a second opinion. The initial inspection was low, then my car was totaled. No 2nd opinion was allowed. They later said they would send "their" adjuster over, and then they jumped into the next step not addressing my request for another opinion, pressuring me to go get my papers signed, when they were already signed, or pay storage, go get your things out of your car or pay storage, that my car was deemed totaled. I asked for a copy of the final estimate, they said they don't do that when the car has been totaled, I said I want to see what was wrong with it. I had to push every step of the way on everything to get them to take some action.

I highly suspect they are a spam/scam company out of country. I Asked again. They never gave me a copy of any papers by mail, except my sent the paper to sign my car over to the bank and pay it off to another address I told them I am not several times, delaying the pay off, while I am without a car. Then they don't pay off the car. I had to call Liberty mutual to be treated like a real insurance company, and get some action finally. They almost ruined my credit bureau rating and standing with this bank, it took so long. I never have been late on a single car payment in my life, and it would have ruined my ability to buy a car. I worked daily with them, missing work, losing money. Always delays of waiting days before returned phone calls, more delays, no action taken.

The medical adjuster was a worst nightmare. I did not want to talk to the responsible party's insured, and she said I should. She wanted to tell the responsible party's insurance a lie, that I wasn't interested in a personal injury claim, in order to get them to pay. I said no, I want another adjuster. Spoke to her manager, and they denied another adjuster. Now I am forced to go by email despite my telling them that hurts my hands and I can't always access it. They never answered my questions. Made me wait days for replies. She just said "send the bills to me." I said that is not enough. Wwe need to have a conversation. (Email monologues are not answering my questions.)

One day, I tell them I am to see a doctor. I receive an email that my $2,000 medical payments is exhausted, and my case closed. I told them I am still injured, have had little treatments, and need them to forward my bills, as they represent me better than myself to them. She replies they are not attorneys and do legal representation. I tell her I did not ask for legal representation, but to work with getting established with my bills being forwarded, in so many words (given the other option to go with the other company). They both agreed to forward my medical payments. I hear from my doctor I am to see on something that is serious and needs to be seen for. They call me and state they cannot see me, because my medical adjuster closed my case, and that forwarding is no good if the case is closed.

She said they had to speak with several women, and it was all so very confusing (manipulative as I experienced), and they had never heard of a company closing your case when it is still open due to injuries. New ones not barely addressed. They said it was highly unusual. This is not how insurance companies work, not even Liberty Mutual, who they represented themselves to be. They work with liberty mutual, and never seen anything like it. I researched, and they cannot close a case just based on exhaustion of medical payments, when you are injured and seeking treatment. It stops your treatment. They said they would forward my bills, but a case closed stops treatment. I have had very little treatment, and they said initially they would forward bills when it is exhausted. They do not want to help you get your bills paid by the other party. They just want out.

My other doctors call to get paid, and they are told, to go to the responsible party for payment. They are not taking in bills and forwarding them. These people are nasty, rude, and will cause you incredible trauma, and work. Full time. I am not allowed to talk to anyone in the department over her supervisor who is playing the same game with me.

I asked once for the insurance adjuster's name. Medical adjuster did not even know his last name. I asked for information on them (never mailed to me), she would not email it. Now they are just telling people to go to the responsible party, and that's the end of story. Move on to the next victim. I called Liberty Mutual and finally was not routed to the claims adjuster. The claims phones go directly to your adjuster. You cannot get anyone else, nor go over them to talk to someone in charge of that person in claims. Answers are strange. Out of country. They do not understand. Don't know normal Insurance procedures. No replies to asking constantly to have a conversation, that and get this cleared up. Dumped. I finally get ahold of Liberty Mutual and see what a real insurance company is like again, and we shall see who is over him. But they are not who they pretend to be, Liberty Mutual.

They are a company which pays possibly to use their name in order to get clients, and once they get you, they do nothing for you, and gave me misinformation so often, I felt like I was dealing with another country. They just told me as if I was in Russia what I was to do. Never helped me at all. Watching out for this company. They will get your money, not give you your insurance money you pay for, and not do their work. Definitely an out of country branch. I was hacked once, and they acted just like the hackers. Nasty and authoritative. No rights. Once I asked an adjuster on the main claims his name, and he gave me an African name, and would not give me any last name, operator/agent number or phone number. Was rude. Very definitely a scam. Report this fake company to anyone they pretend to be "partnered with."

With that said, the claims added up to over 1700+ interest. Also, the time missed from work was not cared about on paying for over 1 hour. With that said, it was very unreasonable because the chiropractor office was 20 min away from work, and 10 min from home. Most appointments were midday, some were after work. Mileage was not being reimbursed either, and missed time was cut too much. I filed a complaint with the insurance commissioner in Georgia, and the case was forwarded over to Safeco/Liberty as well and Heather's supervisor called me to discuss it again. It sounded like it would be taken care of, but two days later Heather called me back and they had not changed anything. They ARE NOT the insurance that covers things that you miss due to an accident, so be ready. If you get hit by a Safeco/Liberty Mutual customer, they will not reimburse you even to the amount you miss out on from them!!

Original Review: June 29, 2019

My 16 year old daughter had a car accident January 16 2019. I reported the accident that same day. I also made a claim for Grace's work wages to be paid until she could go back to work. After the accident she had lots of head pain and neck. The ambulance took her to the hospital. On the way to the hospital she was really feeling the pain so they put her in a collar. She was also feeling very nauseous. When she got to the hospital they took an x-ray of her neck and put her into a collar for two weeks not to be taken off at all even for showers or baths 24 hours a day. Told to go see a neurologist.

So I took her to the Noran Clinic on 3/4/19. The doctor said Grace has suffered a concussion with debilitating headaches, hand weakened, neck pain, daily headaches. She was put on ** 5 tablets a day. The doctor also stated that Grace could not go back to work until she clears her to go back to work. As far as school goes she said Grace could go but with many limitations and will see Grace again in 4-5 weeks.

On 4/15/10 Grace and I had to file a restraining order against her father! The Judge signed it for 2 years for Grace and I. On the order it states that Grace's father is going to file insurance fraud on Grace and me. So the next day I called SAFECO and told them about the order and SAFECO said that he already called and Grace and I are under special investigation and until that is done nothing else will be paid! Grace was not paid her wages and her medical bills were piled up. I continued calling Brian at SAFECO to see if it was done. He keep saying no! So pretty soon I got a letter - Grace needs to go see their neurologist on May 25/19. So I took Grace there on that day! It took a entire month and a half to get his report back. I keep calling SAFECO and keep getting told they have to wait for the report! I continued to take Grace to the Noran Clinic and her chiropractor as her doctor suggested.

On 3/22/19 visit with the Noran Clinic the doctor said to increase the **. On 5/22/19 went and seen her doctor at Noran Clinic stating that Grace has not been able to work due to her concussion from the accident on 1/16/19 now clearing her for work again on June 10/19 . Every time that Grace would go to the neurologist or to her chiropractor I sent in the bills. On 6/27/19 I called SAFECO again and they said the report was in from their doctor! The report stated that Grace did not have concussion and the insurance company doesn’t have to pay any of Grace doctors bill after 2/15/19!! He also stated that he could not get the ambulance report.

The next day I went to the hospital and walked in and got the ambulance report after reading it I know now why he said he could not get it! He also mention that he went on to Grace Facebook and found a picture of Grace holding her horse by the bridle and she said, "Thanks Red for the ride. You are my best friend!" Grace doctor suggested that Grace sit on her horse and walk around with him. It would be good therapy for her! There was no mention of the Noran Clinic in his report. I wonder how the insurance doctor could make that determined about Grace when the insurance doctor from SAFECO when he didn’t even see Grace until 5/25/19!! The bills are piling up and now they are going in my name and Grace is not being paid work wages!

The reason I had insurance is for things like this that happen (like accidents). I’m a single mom on disability. I can’t pay for all these bills and Graces wages! Shame on SAFECO and their insurance doctor for doing this to a kid 16 years old!! I’m going to appeal that letter they got from their doctor. I have all my proof and the ambulance report!! Poor Grace. She has suffered a lot and still is. SAFECO has tricked us! SAFECO should be the one under special investigation not me!

The extra premium is retroactive to April 10, 2019, where usually tickets and such would come off your record after 3 years. We expected that in 2020 our premium would go down but Safeco uses the date they got the report, not the date of the incident to start the countdown. So we will be paying the higher rate for the next 3 years. That is the part that angers us most. An additional $800/yr for a $1600 claim seems excessive to us and had we known all of this in advance we would have shopped elsewhere.

When some of the costs were questioned, the mechanic responded that they could charge up to that amount. Needless to say we moved the car to another facility where the estimate was less and the car is in the process of being repaired and the check is on the way to the shop. They provided a rental cardio a few days and then discontinued it although I have been paying a premium for thirty days. Reason given, our moving the car stopped forward progress. CUSTOMER SERVICE is horrible. Representative, Lauren, hung up on my son. Never contacted me to discuss options when my car was totaled. Still has not called. Still awaiting a response to my email regarding rental coverage. Have only approved sixteen days out of thirty to which I am entitled. Adjuster assigned is Lauren **. If you are looking for insurance, RUN, don't walk away from this one.

Don't use this insurance. Claims are a big hassle and Safeco is in NO HURRY to resolve anything for you. I had to leave 3 voice mails and 7 emails to get a response from the adjuster on the update of the claim over the course of two weeks. His voice mail is always full because he never returns a call and I got two different "out of the office" responses to emails within a two week time frame. The claim is still open and NOT resolved as I patiently wait for the check to arrive to my bank. HORRIBLE customer service, SUPER SLOW on results. Go elsewhere for your insurance needs.

I am currently going back and forth trying to talk to anyone who can help me. I even told them if you can find someone to fix my house for that amount, go ahead and send them my way. He even suggested me go through my insurance and have my insurance sue them to get the money to fix it!? Crazy. Anyways I would never use SAFECO for anything if I didn't absolutely have to!!!! TERRIBLE COMPANY!