Stay away from this company. They are inept. My daughter's car was hit over 2 weeks ago, and it is proving almost impossible for 21st Century to handle the claim. The adjuster is constantly out of the office. We've been waiting to hear back from them to take the car in, and just found out today they are mailing a check and have closed the claim. The check is based on an estimate so there is no way to determine if it will actually cover the claim, and there is supposed to also be rental car coverage which they said to pay for out of the check, but the check is only for the repair.
This has taken so much hand-holding and they have done things wrong almost every step of the way. We have now been given the e-mail address to the Insurance Commissioner in our state, and after we verify the names of the 21st Century people we've talked with, will fill a complaint directly with the commissioner.
Robert of New Haven, CT February 8, 2009
i been with them for about 10 years, i received jan 11 2009 bill for the frist payment of396.68 due jan -11-2009, And second payment of 396.65 due date march 12 2009. i call to day to get the correct western union info. and found the policy was canceled. feb 4 2009 with out my knowing. aig say they sent me a letter saying the policy will be cancel on feb 4 2009. i did not received any letter in the mail. so they renenstated the policy with me paying a fee of 116.71
today they say i have to talk to sale man to get a new policy and they quoted me double my policy fee. my payment before was 898.58. now they want 1695.00 which is unfair. what if all their client do not receive this letter in the mail. they policy will get cancel and their payment will double this is a shame. and what happen to grace period it only been 27 day. did they get goverment bail out money. your truly
trying to double my policy fee
Ernest of San Antono, TX January 20, 2009
I had an accident in Arkansa while travling home for christmas vacation on the 23rd of Dec. 2008. My adjuster that was assigned to me was not very knowledable about how to do his job. He would not return 75% of the messages I left with him and of course he would only answer the phone maybe 25% of the time. I did not know that AIG employees only work between the hours of 9am-5pm. If you have any questions or need to talk to a real person after hours, you are out of luck. They also do not work on weekends, so don't have an accident on weekend or between the hours of 5pm-9am. You won't get anyone on the line.
After two weeks of trying to get some information on my truck damage from my adjuster, he could only tell me that it was assigned to an appraiser. After not being able to contact him by phone to talk to him, another adjuster told me that I had to contact the other insurance company of the vehicle that hit me on my own. My personal adjuster never told me that, and as a result I wasted two weeks of trying to get something accoomplished on my accident claim. I had to call the adjusters manager to get the appraiser's name and phone number to see why he had not appraised my truck damage yet. He tells me that he is the only appraiser in Arkansas, and that he is doing the work of 3 people, so he will get to it when he gets a chance.
When I did call him up to check on the status of my truck, which had already been in storage for two weeks, he asked me if I knew where the truck was. My personal adjuster never even told him where the truck was located so that he could go and appraise it. I had to tell him that information. A week later he tells me that it is totalled and that he now turned my claim over to another adjuster, who like the other two employees, does not know how to communicate with the customer. Aig must not have phones, computers to send email, or herd of faxing information to the customer to settle claims faster.
It is the 20th of January, and they have still not paid off my truck or contacted my lien holder. They have no motivation or personal skills to deal with the public. I am cancelling my insurance as soon as they settle this claim. I do not recommend AIG or 21st century insurance to anyone. They are cheap and as the old saying goes- you get what you pay for.
As a result of not knowing whether my truck was totalled or not, I was not able to take my Christmas vacation to Arizona to see my kids and grandkids. The reason being, is that I did not know whether I should spend money that I will later need to buy another vehicle or not. Because of my personsal adjuster not telling me that they were going to be off Dec 25-28th. I had to make a trip from San Antonio to Benton, Ar to return the rental that I got to finish my trip home from Arkansas. There was no one at AIG to verify that I could keep the vehicle an extra couple of days or turn it in at San Antonio.
The vehicle was due back by the 27th of December, so I had to get a friend to help me drive my wife's car to Arkasas while I drove the rental back to turn it in and come back home. That trip cost me over 200 in gas and lodging for me and my friend so that we could turn the rental in first thing Monday moring on the 29th of Dec because Enterprise is closed on Sunday's. I asked my adjuster if they would compensate me for the trip and he said no. He told me that he had told me when I rented the rental, that if I needed more time that he would approve it. I told him that if he had told me that, I would not have driven to Arkansas and back that weekend. Also, because he was off for 4 days for the holidays, there was no one at AIG to approve the rental extension.
Randall of Colorado Springs, CO January 13, 2009
Went to recycle business, insured by AIG Insurance, and damaged my personal vehicle due to managers incompetence. Filed a report and received a claim number. Now I cannot get anyone at AIG to answer my phone calls as to the status of the claim. Body shop detailed the claim to be approximately 850.00. Sent copy of damage repair cost to AIG
A of Asheville, NC November 17, 2008
I set up an auto insurance policy with AIG as of August 18th, 2008. When I received my first bill the following month, I noticed a fee of 3 per month for NOT using automatic bank draft to make payments. So, I called in to make payments automatic to avoid the fee. Nearly 2 months later, I receive a letter from AIG stating that my insurance was going to expire due to nonpayment. They said that even though I called in two weeks in advance, the automatic bank draft would not start working until the following billing cycle.
So instead of notifying me when the bill was due they waited an entire month afterward and then expected me to pay for 2 months all at once to keep the policy active, simply because their system did not automatically charge my bank account. I told them to let the policy cancel. AIG has a lot of customer service issues and can't seem to get anything right, and they also convieniently forget to tell you a lot of important information. I do not recommend using this company for anything.
Thankfully, just annoyances of dealing with a bad company.
Kelly of Peru, IL November 16, 2008
My daughter was involved in a car accident on 10/22. The claim was reported immediately that evening. They took possession of the car on 10/23, as well as informed me of how much the payout amount would be. They sent documents to be signed - first set not received. The second set was received on 10/29, and sent back to them on 10/30. As of 11/8, they claimed they still hadn't received the docs (they are about 50 miles from me, not 1,000.) When tracked, the docs were due in their office that day (11/8). However, they would send me out new ones to sign.
I did receive the new set, however did not sign or send back as they had received the first set. I called them back again. They are refusing to send out a check until they receive a SECOND set of signed docs (already have in possession the first set.) In the mean time, they only pay rental car coverage for 2 days past the date of notification of the PAYOUT, not upon receipt of the check. I had to fight with them twice to extend the car rental. Now, I've been paying for a rental car out of my own pocket for a week (however my policy states up to 900), and they are refusing to send a check to my lienholder. In fact, my lienholder spoke with them directly almost two weeks ago looking for payment, and they were told it would be sent immediately upon receipt of my signed docs - which they've had for a week.
Now, I cannot buy another car until this other one is paid out, I'm having to rent a car at 30 a day, and there is no resolution. Maybe this is why they are in financial debt and need a bailout. If they'd stop their 500,000 party weeks, our claims would be paid. They deducted my car insurance out of my bank account on 11/1 for a car they have possession of, sent me a bill for my December payment, for a car they have possession of. Isn't that car theft? The financial end of it doesn't know about the claim until it is paid out, therefore according to THEM, I still have the car.
30 a day in rental fees (a week already), 173. taken out of my bank account for a policy on a car they have possession of, intent to take 178 on 12/1 for they policy and payout to my lienholder for the cost of the vehicle at 4,200.
Christina of Morgan Hill, CA November 10, 2008
I called AIG to inform them my car was involved in an accident where it wasn't my fault. Provided them with all information necessary. After about a 2 weeks, I was notified that I wasn't covered anymore. Apparently, they had cancelled my policy, to which I was not notified of. I made my insurance payment in full, paid the full premium of 370 in June of 2008. Apparently, it was due in the latter part of May.
I never was notified that my policy had been cancelled, nor had I received my money back. I told them I had paid the premium in full back in June. They asked for proof so I had my bank send them a fax showing when my payment was deducted from my bank account. They called me after this and said they still would not cover me and that now they would be sending me a refund.
This is unacceptable being they are doing this after I called to get my car fixed. I was under the impression that I had car insurance and had been driving my car with no worries. If I had known that they had cancelled my policy, I wouldn't have been driving my car, nor would I have allowed others to drive my car. They are receiving all this help by the Govt bailing them out, yet they are not being responsible to their customers.
My car is still sitting in my driveway waiting to be fixed.
Renee of Beckley, WV November 3, 2008
I was almost completely in my drive way when a woman in another vehicle hit me at my rear passenger side wheel and bumper. The only thing I can figure is she came flying around the corner and up over a little hump in the road and she was going so fast she did not react at all. The woman never tried to avoid the accident, she stated she started to put on her brakes when she hit me she stated she never saw me until she hit me. She was driving very fast in heavy traffic, is 80 years old and was huntched over. Not from the accident, there were no injuries just due to her age.
I called AIG immediately and they said on the phone that I was 100 % liable. I explained that she hit me at and behind the rear tire that she should have seen me and slowed down. She shoved me 15 feet into my yard through 2 mailboxes and 2 street signs. Her car remained on the pavement. The WV drivers manual states that if you are 50% or more into a turn and someone hits you, it is there fault. AIG stated since I went across opposing traffic it was all my fault. They did not even have the police report yet and were assigning blame totally on me 1 hour after the accident.
Since they assigned me blame, I was told I cannot use a lawyer on my own to seek payment for the damages because my own insurance company says it is my fault. I only had liability on my car, so all I can figure is since AIG does not have to spend any money to fix my car, they do not care if it was jointly the other persons fault.
The damage to my car was estimated at 12,000 dollars. The woman bent my frame, luckily it is a unibody and can be fixed. I had to go to 4 different body shops to get an estimate I could afford, which is 10,000 dollars. I owe 18000 on the car so I could not just walk away from it.
Sandra of Philadelphia, PA October 29, 2008
I purchased an auto insurance policy on Sept 19 2008,my total premium was 2,045.30. They added another driver to my policy, I contacted them to remove this person from my policy because they do not live with me and is not my child. They withdrew money from bank account through the automated system that you must use in order to get the insurance.
On Oct 19 2008 they withdrew 742.72 instead of the 385.79 that was agreed upon in my contract. I sent them a letter from myself and the person they added to my policy,I also faxed a copy of the persons driver change of address that they requested. They will not remove this person from my insurance policy. I am now overdrawn at my bank and can not make my car payment or purchase new auto insurance because they have messed up my bank account and they plan to take another 742.73.on Nov 19 2008.I have a zero balance,and owe the bank 250.00.
Robert of Eureka Springs, AR October 6, 2008
I had an auto policy with AIG, which acquired Colonial Penn (a PREFERRED RISK insurance company that only insured drivers over 45 who had no accidents or tickets for 5 years). My policy with AIG that carried a very high premium (1,250 for 6 months) because I added my daughter, who was under 25 at the time. In August 2008 she turned 25, which was prior to the renewal date - September 2, 2008. AIG had this information. Nonetheless, AIG sent a renewal notice with the same premium.
When I called to inquire as to why the premium had not been reduced I was told that there was a youthfull driver in the household. I advised the agent that this was no longer the case, and, as such, I was entitled to a lower premium. The agent, who refused to address the point, responded that the only way to lower the premium was to reduce coverage and take a defensive driver course. I asked to speak to a supervisor, and after getting the same response, I told her that I was cancelling the policy effective immediately. The supervisor responded, YOUR COVERAGE IS CANCELLED. (I didn't tell them that I had already switched coverage to State Farm at a much lower rate).
Afterwards, I received a payment reminder. I wrote POLICY CANCELLED AND MAILED IT BACK. A few weeks later, I received a bill from AIG for coverage between the renewal date and the date of receipt of my letter. In response, I sent a letter reiterating that I had cancelled the policy prior to the renewal date. My nest step is a formal comnplaint to the Florida Insurance Commissioner. This is an outrage.
I have a bill in excess of 100 on a policy that was cancelled prior to the renewal date, not to mention a great deal of wasted time trying to straighten out this mess.
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