SGI Auto Insurance Reviews

RE SGI is evil,
My advice to you is get on your computer and start finding comparable sales for your vehicle. I would also tell SGI you want to save your vehicle and you are not accepting their lame offer to write off your vehicle. (Oh sure you can buy it back and go thru inspections to re insure your vehicle but keep in mind this action could be a potential nightmare). Inform SGI you want to go to arbitration then hire an arbitrator! You will have to fill out a form in regards to what you think your vehicle is worth, your arbitrator should help you with this. Google vehicle appraisers or look in the yellow pages under auto appraisers/arbitrators. I went down this road last fall it was the best $250.00 I have ever spent. After winning my case my SGI adjuster calls me and acts like my best friend telling me how great it is that my vehicle is being fixed etc. Please! Hire an arbitrator!

According to the SGI and police, if a police does not clock the speeds of the vehicles in a crash, you have no ability to state the other party was speeding. So, in short, there's no difference between a 1 km/h crash and a 1000 km/h UNLESS there is a cop to clock the speeds. Remember that next time, that in the off chance a police officer pulls you over for "speeding" and he didn't clock you, that he can't legally issue you a ticket.

Furthermore, they compare your vehicle to ambiguous Kijiji adds comparable to your vehicle. The vehicle ads will not display their VIN (SGI won't even obtain the VIN's for every vehicle listed on their comparison list while they call you crazy for requesting a simple verification of those ads) on the comparison sheet for your write-off, nor do they show pictures of said vehicles. This provides a open spot for people to scam SGI and falsely make ads on Kijiji of their exact vehicle model, post them on Kijiji for outrageous sums of money and then receive a lump sum BASED solely on the invalid ads SGI checks. Very professional and well done.

Overall, I'm receiving less money for my vehicle than what I put into insurance for a vehicle that was rated all good on all sections of the SGI inspection. This does not make sense as someone who pays 1000$ for a 30,000$ vehicle will receive 80% of 30,000$ for merely 1000$ per year of insurance. Sure, this is good for rich people, but SGI is essentially a social construct meant to be GREAT insurance for LOW price. However, thanks to right wing, it's not that way anymore, and they don't operate at cost and work in gold plated sky scrapers.

Would recommend public transportation or cycling. You're better off disturbing with a pair of in-lines or bicycles than dealing with no-fault insurance OR mindless babble about how all the hard evidence you have is invalid because they say so.

SGI never even look at my truck when I was hit from the back and the accident was not my fault they just denied the claim I am now out of work and living the salvation army homeless shelter

Absolutely appalling. Deny claims for no reason, even when supported by written witnesses and legal declarations and statements from their brokers, with no appeals or recourse. Cheap rates, but you get what you pay for. They are fine as long as they are getting your money, but if you need service, get a lawyer. Worst insurance company on the planet.