After being rear-ended in a hit and run accident, while stopped at a red light, I had the misfortune of dealing with this company. They fought me every step of the way and I had to hire an attorney to get them to do what I had paid for them to do, for years, with no claims, whatsoever. I was repeatedly advised that my rates would not be affected, because I had paid extra for accident forgiveness, yet I learned, after the fact that this was entirely untrue. Ultimately, I had to threaten to sue them, to obtain the money from my uninsured/underinsured motorist coverage, which wasn't even a tiny drop in the bucket toward my medical costs. As the jury was about to be selected, they finally paid me a pittance, after a protracted fight. I missed 3 full months of work and am still incurring medical expenses associated with this accident, 4 1/2 years later, with no end in sight. By the time my attorney was paid, I received $17,000.
As if this wasn't bad enough, they repeatedly raised my rates. I called them annually and they said that everyone's rates had been raised. This was an absolute lie. When I finally switched to The Hartford, I learned that they had not only targeted me, but they had coded the accident in such a way that I couldn't get the lowest rates, until the accident fell off of my record, years later.
Unbelievably, I was in another hit and run accident 3 1/2 years later. This time I was insured by The Hartford. No battles, no problems; I couldn't have been treated better. AND, when my renewal arrived, a few months later, my rates had gone down.
Avoid this company. read more
