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Common Consumer Auto Insurance Complaints

Auto insurance is a necessary service for anyone who operates any type of personal or business vehicles on public roads and highways. There are many different types of auto insurance consumer complaints. Many of them are due to misinformation or not completely understanding the details of their insurance policy. Here are a few ways you can avoid problems that may result in consumer complaints.

One common complaint has to do with your personal contact with the auto insurance company. If you call to update a policy or change your billing information, stay on the line until the representative tells you it is completed. At some point in time, almost everyone experiences talking to a representative and there is no record of the conversation. If this conversation is not followed up on, then your auto insurance rates may increase, if there is an accident or incident with the police and your coverage does not reflect your updates.

Requesting an email of any changes that occur on your account is important. Many times the representative can email you the requested or updated information while you are on the phone. If you do not receive any type of confirmation, then always call back, give your account information, and ask if the requested changes were made. Examples of this situation are adding new drivers, different forms of auto insurance coverage, or adding different vehicles.

If the company computer is down, do not depend on the representative to process your request. In the event that you can reach a representative with computer issues, ask if you can fax them your documents. They may be able to receive faxes, and fax you back proof of your information. This strategy may work for time sensitive information that needs to be updated quickly to your policy to keep you out of legal trouble.

For example, if you are currently dealing with legal issues due to not having insurance, part of a reduced fine may be to keep consistent auto insurance. You may need proof that your payment was received on time.

Avoid incorrect billing charges on your statement by paying in advance. Many insurance companies urge you to let them direct debit your checking account, debit card, or credit card. Many times the draft date is not negotiable after the policy has started. If this is not a good time of the month, you eventually may incur a non sufficient funds charge. This can usually be avoided if you contact the company after initially setting up your policy, and requesting the removal of the automatic payment method. Set up bill pay from your bank and pay the bill in advance. If your auto insurance is due on the 29th of each month, send in payment at least two weeks before it is due. Auto insurance rates may be slightly cheaper if you’re paying the policy in one lump sum.

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