1. Chesapeake Life Counsel

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Elkton, MD

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Chesapeake Life Counsel

5.0 (1 review)
Open • 10:00 am - 6:00 pm

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9 months ago

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McCool Insurance Agency - Bill receiving recognition for 60 years in business this year!

McCool Insurance Agency

(5 reviews)

I've had a wonderful experience with this insurance agency for both my home and auto insurance…read more From start to finish, the service has been excellent. They are always professional, friendly, helpful, and willing to take the time to answer any questions and make sure everything is taken care of. It's reassuring to know that my home and vehicles are protected by a company I can trust. I truly appreciate their customer service, attention to detail, and the peace of mind they provide. I highly recommend them to anyone looking for dependable auto and homeowners insurance!

I have been an on and off McCool customer since 1997. I have had and currently have auto insurance…read morewith them. Previously, with my commercial rental properties as well as my home insurance. You would think, that if you pay for auto insurance, that your car is covered. I too, dealt with Melinda N who represent and works for McCool Insurance. Within the last year, I have had 2 bad experiences in dealing with Melinda. First of all, call backs were consistently late to where I had to actually go in to the office to take care of my business. The first issue, I had brought to Bill McCools attention, was the rude attitude Melinda had when dealing with her. She seemed bothered by my presence, was late more than 2 days on call backs, and could not answer many of my questions. My second issue is my car was involved in a fender bender in Maine recently, Aug 21, 2023. No worries as stated in the letter I received from Holly at Safeco: ("Rest assured, that my number 1 priority is to make your experience as easy and worry free as possible.") Yea Right. Did business as usual. No one was hurt and my daughter reported the accident promptly as she was driving the car. Car perfectly drivable and just drove 650 miles from maine. Holly Gwynne, who is a claims adjuster for safeco was equally as difficult to reach as well. Phone calls, emails, crickets. She did finally call only to tell me why my claim was denied. Fraud for misrepresentation and blah blah. So, my daughter, uses my car. She does not live with me. Not req'd to be on the policy as she doesn't live with me. Safeco has an "special investigator" call me and grill me recorded like Im a criminal. Then they call my daughter and do the same. My daughter is not a Safeco customer and is traumatized by the questioning. So the claim is denied, Im out thousands of dollars and they didn't drop me or give me any money back to date. Back to Melinda Nunley on this case, spoke with her to question the fraud charges and details. No answer. not her issue. I get pushed off to another agent at McCools. Melinda straight up lied to me and said that if the car was away from its garaged location more can 2 days, its considered "away" from the garaged location. BTW, I sold my home 2 wks prior so my garaged location didn't even exist. I was and currently am houseless. Melinda also pushed me in to Safeco/Liberty. That company has the lowest customer satisfaction and the highest rates on multiple sources (ex Caranddriver.com etc) on the internet with 8 of the major insurers. Your interest are not in their best interest for you. I am absolutely disgusted with their service. Agents aren't helpful at all. Ive already spoke with a lawyer and will pursue this legally if my review is denied that Im currently preparing. I will update tis review regularly with my progress. Fraud is a serious accusation and I will defend my name in this baseless accusation. Get your insurance elsewhere.

ACM Insurance Agency

ACM Insurance Agency

(2 reviews)

This company took my check for homeowners insurance and put it in a drawer for 12 days. I was early…read morewith the full payment. Then they decided to take the payment from my checking account without approval. They didn't apologize but laughed about it like it was no big deal. I really think what they did is illegal. When Roxanne Cameron found the check she slammed it on the desk. I was too flabbergasted to say anything and just left. I'm afraid to cancel that they won't give me my payment back but I am searching for an honest company with better customer service.

This insurance company took a check for my homeowners insurance and put it in a drawer and never…read moreput it towards my account. Then they had the nerve to take a payment from my checking account. I NEVER gave the company permission for autopay, so they had a lot of nerve in doing that. The agent acted like the whole thing was my fault and she was actually laughing at me. She didn't take it seriously at all. This was a lot of money for me. I save up to be able to pay it in full. I give a bank check which is cash. No appreciation in any way for being a 20 year client and always paying in advance or on time. I'm doing everything right and the customer service was horrible. Not taking the situation seriously and laughing. Basically, they were stealing money from me. Finally, she found the check that had been in somebodies drawer for 12 days and acted like it was no big deal. Then she slammed the check on the desk and said here's your money. I didn't even get her name because I was so flabbergasted with her attitude. What happened to customer service and appreciating a customer that pays on time. Since, I already paid for the whole year and fear of cancelling that they wouldn't give me a refund, I'm stuck for now, but I'll be researching other companies for next year. Catherine Morrison

Chesapeake Life Counsel - insurance - Updated October 2026

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