Esurance
Reviews and Complaints

Claim # FLA-0316012
Progressives and conservatives alike were concerned after it was revealed that there is an evil, giant esurance corporation that is literally defrauding, devaluing and oppressing millions of people all around the world. The corporation is run by corrupt people, accountable to no one, makes trillions of dollars every year, and continues to enrich its wealthy elite shareholders by exploiting the poor and the middle class. Even worse, it was discovered that this corporation has a monopoly. Everyone agreed that it's well past time to keep this evil corporation accountable and that it should be broken up to prevent future oppression by these evil capitalists named Dejan dabetic and Allstate.

I had burglary happen on my property. Esurance ask for all kinds of required info which I presented and list of stolen items. They even want proof of ownership. Than closed claim because they could NOT contact me from bad info. Did not use my contact info on file neither address or primary phone. Not 1 call nor letter. I want me $2, 000 of stolen property money, since true stolen amount was over $40, 000. I guess having my motorcycles, cars and house with them means nothing. Time to change insurance. They are a claims joke.
This was my first and only claim with them for the last 10 years.

claimed new damage to my vehicle they denied the fact and accussed my of making a fradulent claim. I had two feeling charges pressed against me for their negligence and bad faith. I sued small claims and won. Trial de novo esurancedid nothing but lie about there even being new damage done to my vehicle. And also resorted to deframation and slander while under oath in court. Claiming that, when i claimed the damage within minutes of the incident while I was having a panic attack after screaming my head off, that I was somehow conspiring something illegal. I am now on disability and I was sick and bed ridden at the time of the incident. I verified all of the information necessary including proof of a receipt that verified my time and location. They didn't at any point look at my vehicle or investigate the claim reasonably. They resorted to pixelized imagery from previous incidents to justify their denial of the claim. They breached their contract, proved that it's a deceptive practice, and they have a deceptive internet platform for conducting their illigitimate business. I took my vehicle to a third part body shop on
behalf of esurance. The body shop took photographs thatt did not capture the incident in it's entirety while taking any investigative qualities to verify the new damage on the car. Then the next person I saw was a fraud investigator who only accused me with pixelized images from my previous insurance company claim. Then he also proceeded to question me for the previous owner of the vehicle when I purchased it through a dealership as well as my driver's license status. Then again even he had not interest in the reality of the new damage on my vehicle. They had no interest in my circumstance me being in and out of the hospital struggling with a cardiovascular disability due to a heart surgery in 2008. They only looked for routes of escape and routes of accusation. I am currently not working and on disability being prosecuted as a criminal because of this fraudelent isurance scam they'd like to call a company. Esurance is now are claiming in criminal court that there is new damage, that I haven't received money for. However they believe I was trying to get money for old damage without a thourough investigation of the damage because they haven't seen my car at all. I have a dry wreckless driving in 2011 it was a night I was leaving the hospital on medication.. so where they came up with the idea that I am a criminal baffles me. They denied my claim in bad faith and had no interest in finding out the truth of the matter. Somehow this company saw it fit obstruct rather than do their job. Hands down worst insurance experience I've had in my life. Horrible company ..

I used Esurance for 6 months no problems. Then 1 month before my insurance policy expired I got an email telling me my insurance is about to expire and to renew. I had 1 month left so I figured I will have money in a week when I get paid. Two days after I got that email I got one that said thanks for renewing your policy with us you can print your cards now. I was furious. I checked my bank account and sure enough I was going to be -$60 at the end of the day. How do you take money without permission? Esurance is a THIEF! company. Do not do business with them! I called to ask them what the h#$%@ is going on and they got the nerve to tell me that I have to cancel my account to get back my money minus $50 cancelation fee. I get to pay them $50 for thieving my money from my bank without my permission. Now it has been 3 days and guess what I still have not got my money back from the thieves. Do not do business with them they are nothing but a criminal company and I will never do business with them again. I will get my Debit card changed too because I do not trust them at all.

Substantially higher policy rate for singles. If you have no current or (get this, a prior) marriage or no domestic partner, your rate is $60 higher for six months. They do not tell you this if and when you agree to a policy quote. Not a peep. I told them I'm gay and not (how do I put this) "endowed" which if you know anything about gay life, not 18, and not hung, no marriage for you, no matter what. That's just the way it is.

Singles (and gays who cant get a husband) need to get a hold of their congressman and stop this baloney. Sheesh. I can't think of anything more damaging to your financial status then a divorce - which is 50% likely if you tie the knot. This is open discrimination against single people and for no reason, at least the way they state it. Has everyone gone to the moon?

Heaven help you if you have to deal with this insurance company if you've been hit by one of their insured drivers. They will use any and all delay tactics so they won't have to process your claim in a timely manner. It took over a week for the body shop to get authorization to start the repair to my vehicle. Then they only issued a check for the parts not the labor to repair the car! I mean really--is it that hard to read page TWO of the estimate to figure out their are labor costs involved to repair collision damage? So a second check will be on its way, but wait . . . it didn't cover all the labor! So after contacting them multiple times to "read" the repair estimate to them, I will be receiving a third check to cover ALL the costs that the body shop will expect to paid. I guess they just do any and everything to find ways not to pay on a claim and don't really care if it's an inconvenience to you. Guess it's the business model of the future. We are so on our way to becoming a third world country. It's just pitiful! No integrity or intelligence unless of course they use intelligence to figure out ways to put the screws to you.

BEWARE OF ESURANCE! THEY ARE THE WORST INSURANCE COMPANY I HAVE EVER DEALT WITH.
On April 13, 2012 I had a not at fault accident where my truck incurred about $2, 500.00 worth of damage; First it took until two days ago (10 days short of 3 WHOLE months) to get an appraiser out to look at the damage to my vehicle.

Then they apprasied my $2, 500.00 worth of damage at a little over $1, 200.00. My deductible is $1, 000.00 leaving me with about $200.00 to fix, y vehicle. That's not even enough to buy one headlight muchless fix the damage.

Bottom line, If you want your vehicle INSURED then ESURANCE IS NOT THE WAY TO GO. DO YOURSELF A FAVOR AND DO NOT EVEN WASTE YOUR TIME ON A QUOTE. You get what you pay for in most cases, but I definitely lost money by switching to Esurance.
ESURANCE IS THE WORST INSURANCE COMPANY ON THE FACE OF THE PLANET. If you have any questions for me or about my experience please contact me at [protected] or [protected] and I will be happy to steer you away from esurance as I would never want anyone to go through the horror story that I have with this horrible insurance company.

In 2009 my car was stolen. I reported it to Esurance and it seemed they were doing right by me. I soon discovered otherwise. They demanded a detailed phone and text record from my cell and the phones my kids had. They demanded maintenance records, and more. I refused the phone records because I felt it was an invasion of privacy and no connection to the theft. My car was soon recovered. ( It had a bad catalytic converter so the thieves used it until it ran out of gas) After fighting with Esurance for another 2 months they refused my claim and accused me of faking the theft. Esurance went so far as to use scare tactics of going to the state police to report the fraud. I reported them to the Bureau of Insurance in VA who investigated my claim. When questioned Esurance said they only asked for the phone records of that day to verify when I was informed of the theft. Funny thing is my son used a friend's cell to call the house phone. They then claimed they talked to the officer and he said he doubted it was stolen. I talked to the officer and he most assuredly said it was stolen. There was more discrepancies but those were the major ones.

In the end they never honored the claim and I switched insurance companies. I am much happier with Progressive now. If you're looking for insurance, stay away from Esurance. If you have Esurance, switch now before it's too late!

This insurance company takes money out of your bank account without authorization. I paid my husbands insurance last month and they went into my account an took another payment on 7-4-11 and again on 7-11-11 to the tune on $510 in total! I called and complained and they said I authorized auto payment when I paid online..^#^$%&*%* ### had no right! They only agreed to refund $80! It is my mission to tell everyone about the fake insurance company. They just want free access to people checking accounts. If you have car insurance with them, cancel it or you will be next!

Esurance ruined my BMW. I filed a claim with Esurance on 5/18/2011 online and was contacted by my first claims rep on 5/19/2011. My disaster of a claim started with my first claims rep Ruby she seemed helpful seemed nice enough took my statement and informed me that they would have an adjuster out to look at the damage to the interior of my car that occurred from water damage but I should be aware that I would likely fall into a scenario where my vehicle would be totaled. WHAT? I was devastated I asked what she meant by that and she said your car is probably not worth fixing and would be totaled due to the age of the vehicle. I was sick about this my car is a 2000 323ci and while it’s over 10 yrs old I bought it used and am still paying it off. It was in excellent condition prior to the leak that completely trashed my interior.

While I am wondering what my options are I am contacted from DOAN the adjuster’s office and was told the adjuster would be out that day I asked what time they would not give me a time. I called back several times and was not permitted to talk to the adjuster to nail a time down or go over the damage to my car. Eventually I was contacted and told they were coming in the evening and no one showed I followed up with them and told them they had to go to the shop I selected A1 Body and Frame. They went to A1 a few days later and discussed with the shop not with me the damage to my vehicle. They issued their fist estimate to Esurance on 5/23/2011 which was to remove my rear seat bottom; rear carpet, b and c pillar covers, and front seats, console, and headliner then clean the carpet and put it all back in? Seriously? I had 6-8 inches of mold in my back seat and they don’t think that’s an issue?

So what was damaged? The rear seat complete back and bottom, headliner, A, B, C pillars, complete carpet front and back, and both front seats were completely soaked, the body shop told me I certainly would have to also have the rear side panels replaced also. Now I’m confused by the next call from Esurance I now have another claims rep? Daron was his name and well he was explaining the next steps to me including how my claim was going to be denied? I asked what? Why? He explained that my leak was due to normal maintenance issues and I should have maintained my sunroof. I was so upset as there was nothing wrong with my sunroof the leak originated under the headliner from some tubes that direct water out of the vehicle came loose. I don’t know about you but as part of normal maintenance I don’t usually take my headlined down and check things out. After telling him how absolutely absurd this was he let me know technically the claim hasn’t been denied yet and I clarified but when it goes to review it will be right? He said most likely that this is never something they cover and said I should call BMW that he was just doing me a courtesy by letting me know up front what to expect.

After having a complete meltdown I called back in and demanded a supervisor and told them how ridiculous this was and how upset I was. Granted I have not been with Esurance for years like others have described but I’ve been insured for 17 years and NEVER made a claim. This supervisor apologized and said that Daron had no business telling me that and I emphasized my concern that since he is the one who presents my claim to the board he would skew the claim to look like it was my fault so they would deny it.

Meanwhile DOAN was supposed to go back to A1 and take pictures and submit a supplemental adjustment to Esurance. Yet no adjustment was submitted by Doan until I went back to A1 and discussed what was going on with them. They provided me the copy of the estimate which was again not for the complete damages not even close. I personally had to fax it to Esurance as well as A1 body shop. This estimate was never uploaded into Esurance until the Esurance Rep Daron expressed his total annoyance with DOAN their own independent adjuster and requested that A1 complete an estimate and email that to him directly.

A1 decided to write this estimate on all NEW parts to pad their pockets for a dent they fixed without my permission. The Rep I am working with there is brand new Daniel Legg so he assumed since I had an estimate on fixing the dent they would just do it while it was in there. They flat our refused to use used parts or to look for them they say that it's DOAN's job not theirs. They also would not use parts I found on eBay for 2000.00 plus shipping because they can’t deny bad parts when it’s not a junk yard or shop they usually deal with. While I understand this policy my goal and statement to them from the beginning was that I wanted all of the damaged parts reported and fixed even if they were a suitable used set. I asked A1 from the beginning if they could handle this type of claim and work and they assured me they could although Jay a long time employee I have trusted in the past with my friends vehicles laughed and told Daniel “this would be a good project car for him.” At the point they were submitting the estimate to Esurance upon Daron’s request they advised me it was better to ask for only some of the parts to be replaced initially so they would not total the car and then once midway through fixing Esurance would have no choice to pay for the other new parts the vehicle clearly needs.

Once Esurance received the quote from A1 on June 6th for $5337.40 they sent it for another review board according to Daron even though he assured me he was taking complete care of everything from that point forward to ensure everything was done correctly. Now Esurance decided to use the estimate from DOAN that was never uploaded way back on 5/27 because Daron said he knew it wasn’t right or complete. So this estimate was to replace the headliner as new, b, c pillars from a random junkyard, the rear carpet only from another random junkyard, and the rear seat bottom cushion from another random junkyard. So that means ALL the other damaged items moldy and stinky will be put back into my car with miss matched junk that they didn’t even verify the condition of from the junkyards|. This is completely unacceptable! I’ve repeatedly called them to beg them to assist me properly and they push it back to the body shop saying they have to tell them there is more damage and the body shop says they won’t pull anything else out unless Esurance tells them to nor will they write future estimates because Esurance re involved DOAN the independent adjuster whom I’ve researched and found complaints on him as well for threatening someone with harm while doing an adjustment as well as just being completely rude to people calling them liars|.

I was left with no other options at this point than to tell my story?. My partner of 4 yrs in a Firefighter Paramedic in the public service sector with tons of legal contacts as well as my corporation has legal counsel that I can utilize as a future option!. I embed myself with companies I’m usually proud to promote and recommend to others in this case I will be running to share with everyone I can that Esurance is a fraud as well as never recommend A1 Body and Frame to anyone ever again|. I have personally sent A1 at least 5 vehicles for collision repair over the last 4 yrs;. I will be taking this same complaint to the Ohio insurance commission, The Ohio Attorney General, and the BBB'. Holly Lacy – Esurance Claim FXP42578 Columbus OH.

I am really unhappy with Esurance. They are not my insurance company, but the other parties. After accepting fault it took forever to settle the claim, and I had to call them repeatedly to get a status. In the mean time I was stranded with a broken car, and was not given a rental even though I was not at fault.

The claims rep was also pretty arrogant too, she probably just took advantage of my patience.

I should have paid my deductible and taken care of the car myself. To anyone who might be in a similar situation, just take care of the car yourself by paying your deductible, and let the insurance companies deal with who pays the money.

I would never consider being a customer of Esurance.

Esurance took $832 dollars from my account for over 5 days because they have no idea how to do their jobs. I called to change to a monthly payment and it was a huge fiasco because they made me sign up for a new plan. I was hesitant because I had a feeling their system is not capable of handling change like this and I was right. The agent assured me multiple times that my old policy was canceled and it would just roll over...not even close to reality. It looked fine as I was charged my monthly rate on my new card of $180 or so, then, out of nowhere, 2 days later they charged the NEW card, that wasn't even given until I switched to the new monthly plan, $832 for the whole 6 month premium on my original plan. This is exactly what they 100% assured me would NOT happen when I changed.

This was Friday night I found the charge and called them about an hour after it went through. After over 1 hour on the phone and transferring to 3 different customer service reps they kept telling me it was their mistake but they can't do anything until "Accounting comes back on Monday and I can try to rush the refund". This was unacceptable, first they were lying as someone in accounting had charged my card just 1 hour previously, second you cannot make unauthorized charges and steal money from customers without a way to refund. Plus there is noway a company with THOUSANDS of employees has not a single person in the office over the weekend. I made it all the way to the Corporate Customer Service Rep, Tara Agent #2480 who assured me there was nothing I could do until Monday and then it would take an additional 3-5 days for my card to refund me. This was not acceptable as SOME PEOPLE HAVE BILLS TO PAY AND CANNOT LET ESURANCE BORROW $1000 OF MY MONEY. I asked to talk to her boss and she informed me she had no boss, lie. She would not help me in any way and informed me that Monday was the earliest she could rush the refund.

They informed me that if the charge caused an overdraft they would cover it...I hope to God they would. But that isn't even the point, I need the money in the account for bills, it won't let me take an overdraft, all my bills will just be declined.

The only thing that got them to move 1 day earlier(it took until Sunday for them to reverse the charges) was to threaten to do this, online reviews. And I had to CC the email to all their customer departments. Now they offered me a $25 gift certificate for them stealing $832 for a whole week, unacceptable.

I had bills to pay and NEVER GOT MY REFUND IN TIME, now I just got another notice saying they are going to charge me an additional $348 for some reason on the policy that was cancelled a week ago, the fiasco continues as I think they are going to try to steal another $400 for no reason, wish me luck and I hope you NEVER buy an Esurance policy EVER! Save yourself the police report as they steal your money!

OVERALL RIDICULOUS NEVER, EVER, EVER BUY A POLICY FROM ESURANCE, THEY ONLY SAVE YOU ABOUT $50 OVER 6 MONTHS ANYWAY. THEY STEAL YOUR MONEY AND DON'T GIVE IT BACK FOR WEEKS.

Don't do business with Esurance. Even though I have had no tickets or accidents they increase my premium every six months. They're crooks.

I have paid for rental car coverage with these clowns for over 3 years. When I did have an accident (car/deer collision) I was given a loaner by the auto body shop. Because I did not have to pay for the loaner car, esurance is rejecting my payment of rental car coverage. Excuse me? But if I am paying for a service I expect to be given the service, not the run around. I have been ignored, lied to, and treated with such animosity that I have since switched companies and would never go back to esurance.

I had insurance through Esurance and I had nothing but problems ranging from false information, bad customer service, reps hanging up on my husband and I and over charging. And to add to that they are the ONLY company that I've called that charge for cancelation. It's simple if you want headaches, migranes and stress filled conversation with an idiot that doesn't seem to respect you then go with Esurance. If you want easy and affordable auto insurance quotes and policies I would suggest AAA, Progressive or Statefarm. They all treated my husband and I with respect, patience in choosing and information in my language.

I had Esurance for my 1989 Ford Probe with an SR-22 filing. Monthly payments were about $100 for liability only, give or take. I bought a newer vehicle, a 2002 Chevy S10 with full coverage and went about to stop insuring the old vehicle and switch to the new vehicle. Now the monthly payment is $260, which is BARELY acceptable. But the thing that is clearly UNacceptable is that the first payment is a whopping $490. Esurance is a joke and I strongly urge everyone to avoid them at all costs.

I totaled a motorcycle back in September. My claim was filed with in 3 days (two days late due to surgery from the accident). After saying they were being held up by the bank, 5 Months later (February) they finally settled my claim and paid the bank for the bike (bike was financed). Well, having gap insurance to cover the balance, I filed my gap insurance claim. You only have 90 days from date of loss to file this claim. They give you and additional 30 days just in case. They take into consideration the date of the insurance settlement. My claim was denied thanks to Esurance and their timely claim settling! They now owe me $7000 to cover what gap insurance was suppose to cover, but won't, because Esurance was on top of their game and got my claim settled so quickly. For those who don't know, Esurance is American Modern Insurance Group. Don't be fooled by the name if you have insurance through AMIG. They are one in the same. And they suck.

After our truck was stolen, we cancelled our coverage with Esurance. They said they were charging us 50 dollars to do so. We said we never read anything like that in any our policy literature, and they said we had agreed to it by clicking through one of the many screens we had to in order to become insured. They could not give us anything in hard print stating this and so we just had to "take their word for it!" Unacceptable. Horrid customer service, especially considering we had just been victimized and left without any means of transportation. The CSR was rude to us in an upsetting time on top of their skeezy policy that could not be pointed to in any feasible manner. Stay away, no matter how their cute little pink haired cartoon character makes them sound so honest and socially aware etc...

In 2004, I had 2 auto accidents that were 2 months apart. Neither were my fault. Esurance stopped my PIP benefits for the 1st when I had the 2nd accident. I guess they felt I had recovered. However, injuries from the 1st got worse with the 2nd car accident. Esurance sent me to 2 independent medical exams. The chiropractor said that I chiropractor could never help me. The 2nd was a pain and rehab dr who said I should go home and exercise. When I did not get better in 2006, I went to a neurosurgeon who told me that I needed 2 surgeries. Esurance has ignored my letters and I have been suffering and in a lot of pain ever since. My back has gotten much worse in those areas and is now described as severe. I have lost my job and my health insurance shortly after the accidents. My boss was not happy that I could not do the same job that I used to do. I have filed a complaint letter with Esurance and plan to file suit on Oct. 20, 2009 if I do not get response this time. These accidents have destroyed my life.

I started my search for automobile insurance with Geico and after the amount was too high I went to Esurance.com. After i received a quote and my payment was taken, my monthly payment increased two times. I was told that the state of FL by law would not let me cancel with in 60 days and that i would be charged a fee. I could not afford the new payment but i stuck it out and when my 60 days was up i sought more affordable insurance, a 100 dollars a month cheaper to be exact, and canceled the policy with Esurance. They still charged me a 10% cancellation fee after the 60 days of $84 dollars. I would not recommend this insurance company.