ComplaintsforInsure On The Spot

• Initial Complaint

  05/05/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  An uninsured driver hit my car 03/23. I sent in all required paperwork. Last I spoke to insure on the spot ,I was told that they closed my claim for up to 7 weeks so that the other driver can respond to a letter sent out to her. Until then nothing can be done. I'm missing work cause my vehicle isn't drivable at all. No adjuster has been out,no listing of auto shops sent. Worst company ever! And I just signed up with them!

  

  Business response

  05/12/2023

  To whom it may concern:
  Insure On The Spot Services, **** has no involvement in the claim process.  The insurance companies determine the outcome and handling of all claims. 
  We contacted ********************************** and received the following information regarding the claim.  The policy was not in effect on the date of loss.  Please see attached letter. We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****
  

  Customer response

  05/15/2023

   
  Complaint: 20021917
  
  I am rejecting this response because:

  My binders date is 04/23 which holds them in contract until my official contract was issued. My insurance was active at the time of accident 
  
  Sincerely,
  
  *****************************

  

  Business response

  05/22/2023

  To whom it may concern:
  Insure On The Spot Services, **** reached out to ********************************** and they stated the policy period indicated on the declaration page is 3-24-23 ****am to 9-24-23 ****am, which is after the loss occurred.  Please see attached and section below:
  Policy Period, Territory. This policy applies only to accidents, occurrences and losses during the policy period, as stated in the Declarations, while the automobile is within ****************************, its territories or possessions, or ****** or is being transported between ports thereof. This policy may be renewed for successive policy periods by payment of the required premium to the Company on or before the effective date of each successive policy period. If such premium is not paid when due, the policy shall terminate as of that date and such date shall be the end of the policy period. Such premium shall be computed in accordance with the manuals then in use by the Company. Each policy period shall begin and end at 12:01 A.M. local time at the address of the named insured.
  
  Respectfully,
  Insure On The Spot Services, ****

  Customer response

  05/23/2023

   
  Complaint: 20021917
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  04/27/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I spoke to an associate by the name of ******************************* April 26, 2023. ****** quoted me 12 month full coverage policy of $1,704 over the phone. I paid a down payment of $500.00. Which should of brought my policy down to $1,304.00. I get my policy emailed to me but the price has changes to $1,374. I called back April 27, 2023 (very next day) to get an explanation as to why is my quote higher than what i was originally told. I talked to someone name ***** or *****. Who is having difficulty herself finding out where this additional $74 came from. So I asked her "Are the calls recorded?" She answers yes. I ask her what her manager name is. She reluctantantly says "********". I asked to speak to the manager. She places me on hold. Because I'm so determined to get an explanation I stayed on hold for an hour then somehiw the call disconnected. Either make the situation right or cancel my policy and refund me my down payment. This is unacceptable and bad business

  

  Business response

  05/04/2023

  To whom it may concern:
  Insure On The Spot Services, **** has contacted **************************** and went over the policy premium with her.  **************** thought her policy increased when in fact the policy premium decreased when it was uploaded to the insurance company.After explaining and reassuring **************** the correct down payment, policy premium and monthly payments were correct **************** stated she was satisfied.  We apologize for any confusion.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

• Initial Complaint

  04/25/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I switched my car insurance company to INSURE ON THE SPOT. ** February 2023 I paid for 6 months, Later I learned I need SR22. I purchased that on March 30. I was told my other policy would be canceled, and I would be getting a refund. As of today I have not. So I am paying for 2 policies. I spoke with several customer service reps about this. I sent in a letter on the 30 of March Stating I needed to cancel my existing policy and start a new one with SR22. They were to forward this to the old company. I need the refund so I can pay for my new policy. Can you please help me get my money back. I paid $1200 for the first policy and $250 for the second. The monthly payment is due on the 28th.... Insure on the spot don't seem to care about that.

  

  Business response

  05/04/2023

  To whom it may concern:
  On 3-30-23, Ms. *********************** purchased a SR22 policy and requested the first policy to be cancelled.
  ************** submitted a cancellation letter the same day.  On 4-25-23, ************** contacted our office regarding her refund.  Insure On The Spot Services Inc. contacted United Equitable Insurance regarding the cancellation notice.  On 4-27-23, Insure On The Spot Services, **** received the cancellation notice from United Equitable Insurance  and processed ************** refund the same day.  We apologize for any inconvenience this may have caused ***************  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

• Initial Complaint

  04/11/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  When Insure On The Spot told me that I would have to pay nearly $200 for a renewal policy, I decided to leave them behind and switch to another insurance company. I informed them of this and asked them to stop contacting me. They then called me again several more times leaving messages soliciting even though I have asked them numerous times on a monitored line to cease all communications. The latest call took place today at 4:03pm local time. I am NOT interested in doing business with this company (or ANY company that wants to charge nearly double the monthly premium for a renewal) and I want them to not only stop calling, but to remove ALL of my contact and personal information from their systems and records. Period.

  

  Business response

  04/18/2023

  To whom it may concern:
  Insure On The Spot Services, **** has removed Mr. ******* phone number from our database.
  We apologize for any inconvenience this may have caused Mr. ************* feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

  Customer response

  04/20/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *** ******

• Initial Complaint

  03/02/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I had an accident on 9/17 22 in which I paid for the tow. On 10/22/22 I rented a vehicle that I was supposed to be reimbursed for both because I had full coverage .

  

  Business response

  03/10/2023

  To whom it may concern:
  Insure On The Spot Services, **** has no involvement in the claim process.  The insurance companies determine the outcome and handling of all claims. 
  We contacted ********************************** and received the following information regarding the claim.   We did mail the rental reimbursement check to the insured but it came back, in fact everything we have sent to the policy address has been returned to us. The adjuster contacted ****************** to get an updated address and the check was resent to him. He has also been informed we need an itemized tow bill.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****
  

• Initial Complaint

  03/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I called this insurance company twice to report someone fraudulently using my address for coverage; however ************** notifications continue to come to my home so apparently this person is still insured. The customer service rep told me she couldnt do anything about it without the policy holders consent & all they require is verbal verification for address. I find it ridiculous that they insure customers using whatever address they provide without requiring proper proof of residency. I am the homeowner & the only driver who resides at my address. I have no clue who ******************************* (contract# *****) is yet that wasnt enough for them to investigate. If every insurance company ran their business this way all customers would just lie to have cheaper rates. Theyre a complete joke! I guess this lady will continue to get low cost insurance by using an address that doesnt belong to her because Insure on the spot seems more concerned about collecting money. Obviously they dont mind supporting fraud.

  

  Business response

  03/10/2023

  To whom it may concern:
  Insure On The Spot Services, **** was able to get in contact with the insured and corrected the address. 
  The address has been corrected in our system. We apologize for any inconvenience this may have caused ***********************. The operator mistyped with address in error. We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

• Initial Complaint

  02/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I ********************* am filing this complaint against insure on the spot for having a insurance policy in which they did not honor that my father had been paying for years in which they violated all of the terms I had a incident on Dec 18 2022 in which I hit a pothole while returning home from the grocery store causing a collision and damaging the right tire and other parts beneath the car on Dec 19 I had the car towed to Heartcare auto for repairs I filed a claim December 20th with insure on the spot claims department american freedom however this complaint is against insure on the Spot because they should be held liable because they were the one my father was making monthly payments to for the policy the insure violated the terms and agreements in the policy which includes full coverage uninsured motors and etc their claims department sent out a appraiser who lied about the cost of the damage to the car claiming the damage was below the deductible cost of 500 which was clearly false then was told we would have to pay for the cost of parts horrific and then was referred to two mechanic shops that were not even listed on ****** or no valid contact information or reviews so I asked the representative why can't we get the car fixed at the shop we had it towed to they responded if we had the car fixed at heartcare we would be responsible for all costs and they would drop our claim if we did have it fixed there so the whole time insure on the Spot had no attention of fixing the car and wasted 3 weeks knowing that they were not going to pay for any of the cost of repairs I have never in my lifetime heard or experienced anything like this this is a clear case of fraud and deceptive trade practices under the consumer protection claim as law imagine paying a insurance company for 10 plus years driving around thinking you are fully covered then something happens and you realize you were never covered we had to pay for all repair cost and now we are seeking 2 to 3 years of payments

  

  Business response

  02/26/2023

  To whom it may concern:
  Insure On The Spot Services, ****has no involvement in the claim process.  The insurance companies determine the outcome and handling of all claims. 
  We contacted ******** Freedom Insurance Company and received the following information regarding the claim;  ***************** determined the damages were $457 which is below the deductible of 500.  Insure On The Spot Services, **** was not privy to the conversations between Mr. ************************* and ******** Freedom Insurance Company claims department or appraiser.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

  Customer response

  03/01/2023

   
  Complaint: 19430467
  
  I am rejecting this response because: insure on the spot is responsible for payments in which is a legal bind of contract of the policy innwhich they were supposed to keep their terns on their end they did not keep their part which is a breach of contract by me having the full total of costs for collusion insure on the spot is giving false statements that they have no acknowledgement of how their claims department handle cases as their claims department has been fined tried in court publicly reported  to tv news for the same exact reasons as my complaint where they have not payed for any of its customers repairs regarding their claims the fact insure on the spot is referring it clients to this claims company knowing there using these deceptive practices should be held as accountable as well there is copy of cost for repairs in the receipt I have uploaded that shows the cost of repairs was over the 500 dollar deductible limit the appraiser gave a falsified appraisal so they wouldn't let us get the car fixed at the shop we had it towed to heart auto care because they were a certified verified shop on ****** and did good work the shop they referred us to ******* bidy shop was not listed on ****** had no reviews nore location this is when I was full aware this was a scam insurance company this complaint will be refiled and other agencies will be contacted as well as further legal action will be pursed until insure on the spot has given us back compensation of a year in payments in the amount of $1,789.16 is deposited back in to the account of debit card ending  in **** that they have on file or mailed via check to *********************;

  
  Sincerely,
  
  *********************

  

  Business response

  03/07/2023

  Insure On The Spot Services,Inc, is an independent insurance broker and does not issue policies nor handles claims.  The claim is handled by the insurance company ******** Freedom.
  The insurance company ******** Freedom reviews the claim and determines the damages.  Any claim information should be forwarded directly to ******** Freedom Insurance Company *************).

  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, Inc.

  Customer response

  03/15/2023

   
  Complaint: 19430467
  
  I am rejecting this response because: insure on the spot is sending falsified statements trying to disassociate itself with ******** freedom as  their claims department after I literally uploaded statements showing they are receiving payments for the policy even if insure on the spot wants to lie about it i want to make it clear I have been in touch with ******** department of insurance and other agency's who have stated they are fully aware of about this company and its practices which is why I am not  closing out this complaint this will be refiled and will not go away until i am compensated for not being covered on this policy that was breached and not honored on all levels 
  
  Sincerely,
  
  *********************

• Initial Complaint

  01/20/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I paid $60.00 by phone for my Auto Insurance Renewal Policy and the money was applied instead, to a **************** policy. When I became aware of this from the Documents mailed to me, I phoned Insure on the Spot immediately. I told Insure on the Spot to cancel the **************** Contact, Refund my money back to my Credit Card and never add any product to my account. Only Automobile Insurance. Insure on the Spot refused to refund my money. Please Help. Thank you.

  

  Business response

  01/27/2023

  To whom it may concern:
  On 1-19-23, *********************************** contacted our office to inform us she did not want the Roadside Assistance and to cancel the service.  The same day, Insure On The Spot Services,Inc. requested the service to be cancelled and a refund check was issued and mailed to ****************** on 1-23-23.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, Inc.

  Customer response

  01/30/2023

   
  Complaint: 18869292
  
  I am rejecting this response because:
  
  Sincerely, Insure on the Spot also charged  me for the same service last year,  unbeknownst to me.  I have had AAA for over  40 years,  I neither requested or authorized **************** membership. 
  
  *******************************

  

  Business response

  02/05/2023

  To whom it may concern:
  Insure On The Spot Services, **** did request both Roadside Assistance to be cancelled. A refund check was sent to ****************** for the previous policy on 1-23-23 and the current policy payments were revised and mailed out on 1-19-23.  Insure On The Spot Services, **** left several messages for ****************** regarding this matter.  ****************** has not contacted us.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****
  

  Customer response

  02/09/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  01/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My vehicle was involved in an accident with an uninsured driver in October 2022 and to date the matter has not be resolved. I have had to worst experience dealing with American Alliance Insurance from no communication to excuses. I thought you pay for insurance and use it when needed, as of today my vehicle remains damage at this time.Based on some reviews that I have seen, American Alliance Insurance is a nothing but fraud. I will definitely changing insurance companies soon!

  

  Business response

  01/20/2023

  To whom it may concern:
  Insure On The Spot Services, Inc.has no involvement in the claim process.  The insurance companies determine the outcome and handling of all claims. 
  We contacted ********************************** and received the following information regarding the claim. The claim was reported as a collision loss and *************************** was seeking payment from the at fault party through American Heartland, who ended up denying the coverage.  On 10-26-22, American Alliance mailed out a Report of Accident form to ***************************. On 12-5-22, she was advised to obtain an appraisal of the damage and that a copy of the police report is still needed.  On 1-12-23, another letter was sent to *************************** stating a police report is needed. Please see attachments for additional information.

  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, Inc.

• Initial Complaint

  12/30/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My insurance company {American Alliance}, has been giving me the run around on my vehicle. It was stolen 08/14/22. There is extensive damage. Blown engine. Total front-end damage. Rear bumper damage. Catalytic converters stolen. Peeled steering column. Many more damages. My issue with this company is that they don't value customers. They give me body shop listings and nobody wants to take my car. I sent an email to them stating if someone doesn't help me find a body shop, I will contact my attorney. Got call next morning. The car is still in the shop after five months. I was not offered a rental. They don't keep in contact with me about my car. I have to. They first said they will only pay for half an engine. I have a 71% betterment charge on my battery. Someone opened another claim to fix damage to rear bumper. I tried contacting management in claims and to no avail, I got no phone call. Just a pre-typed email without a resolution except that they closed the investigation. I still want to speak with them about my rear bumper that was damaged and nobody responds. They wanted me to resend photos of the car. I did and they said it was all prior damage. NO. This is all one claim when the car was stolen. I need a resolution to this about my rear bumper. I am not settling for their final answer. They are not listening to me. The paying customer. To this day, almost five months later, I still don't have my car. THIS HAS BEEN SUCH A HUGE INCONVIENANCE AND NOTHING BUT AGGRAVATION. I only want my car fixed and returned to me. I also don't feel like I should pay the deductible for all of this happening. I am inquiring about seeking an attorney for this. They are the most incompitent, ignorant, non helpful and lax ******** This has been such a stressful issue for me. I am hoping that you will be able to help me. Thank you

  

  Business response

  01/11/2023

  To whom it may concern:
  Insure On The Spot Services, **** has no involvement in the claim process.  The insurance companies determine the outcome and handling of all claims. 
  We contacted ********************************** and received the following information regarding the claim; claiming damages unrelated to the loss, ************************************* was advised these would not be covered and she would need to file a separate claim for those damages.   American Alliance has already paid for initial damages related as well we as for part of the supplemental repairs that were approved for damages that were related.            On 12/27/2022 4:48:18 PM ***** Demos     Insured Correspondence  From: ***** Demos Sent: Tuesday, December 27, 2022 4:47 PM To: '***************************' ******************** Subject: RE:2022C0128252 Afternoon ****, We have reviewed your damages and the rear bumper damages are prior damages as there are various damages throughout the rear bumper cover from several different collision to the rear bumper. Please see the attached correspondence updating letter that you emailed me explaining our decision. If you like you can file another claim for the rear bumper cover damages. Thank You, ************** *********************** Material Damage Manager ********************************** *************************************** Direct: ************* Fax: ************** Main Line: ************** *****************************.
  Payment mailed on 9-19-22 for $63.90, reason comprehensive payment 2015 KIA ****** *****************.  Payment mailed on 12-28-22 for $4144.72, reason 50% Supplement Payment for Parts.   Please see attachments for additional information.
  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

  Customer response

  01/12/2023

   
  Complaint: 18654343
  
  I am rejecting this response because: The damage to the vehicle (back bumper) was also a part of the vehicle being stolen. I am not getting any responses regarding my vehicle. I never get updates on the progress of the vehicle. I am always told after the fact that any damage done is being fixed and never before it gets fixed. I still do not have my vehicle, and nobody keeps me informed. As far as Insure on the Spot, my complaint is about their customer service which is horrible. Like American Alliance, nobody keeps in contact with me. I have been waiting for over two weeks to hear back from Management at Insure on the Spot and still haven't heard from them. I was told three times that someone will call me and nothing. That is also horrible business practice to the customer. Both companies are ignorant to the fact that it's the customers that keeps them in business and not one customer should be pushed aside especially when all the customer wants are the right answer. Instead, you get ignored. I need answers about the concerns of my vehicle. I am a paying customer, and I should at least have some type of communication from the company. They need to re-train their workers on how to handle customer service. 
  
  Sincerely,
  
  *************************************

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