Cooperators Auto Insurance Reviews

I called to get an auto & home insurance quote and spoke with a representative there. First, he had trouble hearing me, that we managed to figure out. Then he started to ask questions and I gave him trust answers base on my current family situation but he accused me of not answering truthfully. I asked what he meant by that and he said I didn't give him a true answer. What? I was calling after 1 year to check their prices and my family situation isn't the same as it was a year ago. Why he told me I lied... I asked if I could talk to someone else because he was very rude. I asked for his name too but he hung up on me. I called back and requested to speak with a supervisor or manager to complain about it but switchboard said that's no possible and I only need to speak with the next available representative. I didn't want to end up speaking with the same person again so I choose to write my complaint here. Extremely rude people. I will never call them again. I am a person with an excellent credit history and driving record so I have many other options to choose from. It is not my lost! But it was my insult indeed!

I had a small accident while I was doing delivery for SkipThe Dishes, I didn’t know that I need to inform that I was doing SkipThe Dishes delivery and I even did it for only a few days. I told these people truly that what actually happened. I told them I didn’t know about this because I am a new driver and it’s a 2 months old brand new Hyundai Sonata. They took a statement from 3-4 times and I asked them if it's not covered, please tell me, I will fix it. They didn’t say anything, they were saying we are doing verification, it’s been 28 days, I didn’t get anything and they didn’t pay for a rental. I paid 1000$ for that, and still, my file is pending. Whenever I ask them if they would send, I need these documents and I send right away and again, they take time to reply, this is the worst service I have ever seen.

My wife was in a car accident in 2015. Suffered a massive back injury, can't sit normally in a chair anymore due to pins holding her back together. I had a premium Auto Insurance coverage with over a million in coverage for rehabilitation. Cooperators does not assist at all. You need to constantly fill out forms and get doctors assessments before they provide any financial assistance in making life comfortable. My wife has slept on the couch for 2 years waiting for a custom bed. Every month, "we just need one more form filled out". Simply disgusting how they treat a human. You become nothing more than a case file and an expense. Buyer be warned, Cooperators has little interest in helping, just making a profit.

I had a great experience getting my account set up everything was very easy and they took care of most of it.
Now making my first every claim and it is unbelievable how different the services is. By different I mean bad. The responses take days or weeks. I try over and over to get a hold of them they don't pick up there phone. I will even email stating when I will call and still can't get a hold of the correct person. They owe me money for storage and I have asked at least 5 times about that and every time literally answer all my other questions and ignore that. Now I am currently filing a complaint and even they haven't gotten back to me and it has been almost a week.
Horrible service if they owe you money would not suggest this company to anybody

So I had been with Cooperators for some time and was considered an A-list driver (no previous records etc) and also had my home policy with them. Before I begin, I should also note that I received a call from a sales person about 6 months prior to upsell me on 'extra' accident insurance. The premium was so negligible - like 11$/year or something silly that I went for it. The context of the insurance was in the case of an accident - I would be given extra time and rental insurance. I cannot remember the numbers but it was something to the effect of - typically I would have $500 to cover the cost of a rental, and this upsell would be somewhere in the vicinity of $1200-1500. Easy I thought. Here is where it gets interesting.... fast forward 6 months or so later, and my wife and kids are struck head on by a driver who was texting on a highway. Everyone was ok, but I immediately got a call from an agent reassuring me that I could get a rental immediately and she even noted that I had the 'extra' insurance...yay for me. So we get a van, and while I am awaiting the status of my damaged van - say about 3 days, I start to get phone calls. "Has the adjuster let you know the status of the van?" ....me - "nothing yet" this goes on for 3 more consecutive days, but all the while I think - no big deal... this car is costing $35/day and I am nowhere near that, as I am only a few days in. So, my Math tells me I am not even dipping much farther than $100 of the $1200-$1500 available. By the next week, I got a call again and I began to grow concerned, so I asked what the deal was. The response was that once my damaged van was considered written off I had 24 hours to return the rental, as the company sends a settlement cheque out that day. Wait - 24 HOURS? What? I don't even have a replacement van yet? How does that even make sense? Well, apparently it does to them. Many, many phone calls to supervisors etc. etc. and I finally get to someone who is only interested in telling me the policy...to which I debate that it is impossible for me to drive to work in a cheque that is in the mail. Long story short, I was 'given' a few extra days since there were not even any vehicles to pick from in my region (car lots were out of stock on minivans if you can believe that) I was incensed, and have since taken my home and auto policies elsewhere. Not that many of the others are much better - I just could not stand the way I was treated. Hope you find this useful when making a selection.

My spouse's truck was struck by a flying object in a wind storm. At first they said it was not covered, once I prooved it was, they then said there was no proof of a wind storm, then I prooved that as well. Then they said because there were no other claims that day, they dont believe us. I pointed out that there were a lot of down tress, and broken trampolines, but those people will not claim as not worth it compared to the deductable. They still refused. Not sure why we pay these guys for insurance if they are not going to cover anything.

Summary: Poor service, tactless adjusters only interested in finding ways to deny the claim at any cost.
a. Called in a claim on April 18, 2016 for flooding of vehicle on my way home from the airport. Report recorded end of conversation.
b. Claims adjuster calls she insists I had a collision with water on the roadway and the roadway was in fact a body of water. Asked that I have the owner of the vehicle file a claim with his insurance company. Although I explained that he lent me the vehicle on good faith, damage to the vehicle was caused while it was in my use and possession therefore I shall indemnify him against the loss. Lender of the vehicle had asked me to purchase insurance for just such circumstances. I had bought insurance for non-owned vehicles, clearly stated in plain English from my insurance company cooperators.
c. Since there were several inaccuracies in Adjusters description I requested that a transcript of initial and subsequent calls be supplied for review.
d. No transcripts supplied and update of status of the claim.
e. Called to ascertain status of claim and repeated request for a transcript. She said "in my 28 years we have never supplied any body a copy of their claim". When I said I shall be writing to the provincial superintendent of insurance about this and other related matters, she promised to look into it.
f. Conclusion: I don't give tinker's damn whether the claim is accepted and what I gain or lose, I shall teach cooperators to deal with their customers TRUTHFULLY and treat them them with RESPECT.
g. Recommendation: Do yourself a favor stay away from cooperators.

Who takes a three week lunch break? Wtf. I called them and they said that buddy will call me back when he comes back from lunch. Three weeks later I am still waiting. Probably a great place to work if you have a three week lunch break, but as a customer, garbage service. There are lots of insurance companies out there. Avoid this one.

they are a bunch of crooks! I asked for a quote for my husband and they wouldn't insure him. Then they discovered that he wasn't insured on my van and conveniently took money out of my account "because he lives at the same address." He is insured by another company. Needless to say that I am cancelling all my insurance including my home insurance. They are ruthless, aggressive, lack compassion and understanding. I'm looking into the legalities around withdrawing money from my account without my permission. DO NOT GO WITH CO-OPERATORS! If I can give them a zero rating I would.

Cooperators was so nice and professional until I argued back about the horrible service my car received by “ their top - recommended shop” Took my Audi to a Chevy shop to have body work. I questioned as to why I would HAVE TO take it to them, was told they are extremely reputable and would stand behind their work 100% - My car was returned with missing parts, lose shields, one major damage was not even looked into. Had to leave my car for 2 weeks to have it finished and still once returned it was not finished. I took it to Audi who was able to reset the sensor lights. I demanded that a Co operator representative take a look at my a car at Audi.. After they did they told me they deemed that the additional scratches to the under shield were not caused the loss, it was caused by me .. driving the vehicle!!! Well the entire argument is that they did not fix the car properly. Its been 7 weeks since the claim was opened and obviously I have driven the car with a lose shield !!!!!.. I have written emails and made phone calls.. I have been very courteous and patient .. and today I was told that the same specialist who said would have called me back 5 days ago.. would definitely call me in 2 hrs. This is the first time I have ever had to use my insurance company and based on their actions I cannot give any positive feedback. If my experience helps anyone… please don’t sign up with them.. they are inadequate and lack the basic wiliness to want to service their customers. Bad bad service… they do not care about customer satisfaction … they don’t follow up and clearly they don’t care if the serviced car has pending work!!! T E R R I B L E SERVICE.