ComplaintsforInsure On The Spot

• Initial Complaint

  03/24/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  The company has repeatedly refused to charge me the amount that I was quoted over the phone. Although, I think the quoted amount is too expensive, I agreed on that amount. They have used reasons, excuses, and justifications to not give me the monthly amount that I was quoted, which is ******. I was told that if I pay a deposit of ******, then, if I pay a ******, then my monthly **** would be ******. I paid both amounts already.Instead of the amount quoted, I have been given a **** of ******. Then, I was told on the phone that my monthly amount is ******. I want the amount that was quoted to me. It is just that simple. No more coercion, manipulation or justifications. Then, today, the lady on the phone stated that she would have to call me back. I stated if she had my cell phone #. She stated that she did and she repeated my cell phone number over the phone. She called me on my work phone. My work phone. Absolutely unacceptable.

  

  Business response

  04/01/2022

  To whom it may concern:
  On 2-21-22, an application was submitted to American Freedom Insurance Company on a 2017 Chrysler 200.  ****************** ******* submitted an initial payment of $155 to start the insurance and the remaining balance to be paid in four installments of $124.60.  On 2-22-22, Ms. ******* contacted our office to add on a 2020 Kia ***** to the policy.  The same day, Insure On The Spot Services, **** submitted a request to American Freedom Insurance Company and there was an additional premium added to the policy of $358, which increased the monthly payments.  On 2-24-22, Ms. ******* contacted our office to remove the 2017 Chrysler 200 & 2020 Kia ***** from the policy and add a 2022 Kia *****.  The same day, Insure On The Spot Services, **** submitted a request to American Freedom Insurance Company and there was a decrease in the premium of $101, which decreased the monthly payments.  Ms. ******* payments were changing due to all the changes made on the policy. 
  On 3-24-22, Insure On The Spot Services, **** received a cancellation letter which was forwarded to American Freedom Insurance Company.We apologize for any inconvenience this may have caused Ms. *******.  We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, ****

  Customer response

  04/12/2022

   
  

  I have not responded to you because I am still waiting for a partial refund that the lady from Insure on the Spot stated I would be receiving. I still have not received any refund. However, I have received several letters stating that my insurance was not cancelled until the beginning of April after they clearly see on the cancellation letter and the date on the email it was sent to them that the cancellation letter was dated 3/24/22. However, I guess they are trying to keep as much money as they possibly can by putting a later date on the cancellation. As a result, no this matter is not closed for me and I would prefer you reopening it because they still have not given me a partial refund.

   

  I kept my cool after the lady from insure called me. Then a week later, someone from Insure called me and wanted to know if I was going to make a payment. Really? That lady stated that they just received my email that is dated on 3/24/22. This call was on the first week of April. It is now April 11th. Do you think the partial refund could be in the mail this week? Lets see?

   

  I think this company is more worried about their perfect little rating with the BBB than they are about resolving this matter.

   

  Mishael Nouveau

• Initial Complaint

  01/10/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was involved in a car accident on 7/2021 and havent received any **operation from the United Equitable Insurance Co ************** who handles the claims for Insure on the Spot ************** and they have refused to total the car or repair the vehicle. When I call the claims **** they transfer me to ***** who is the Assistant to the Ac**unt Manager, but she barely answers the phone and never returns my call. My car has been sitting at Rams Auto Body Shop ************** since 7/2021, I have spoken to ****** and went to visit the shop a few times. He either states that hes working on the car and stated that he has all the parts but Ive heard the same story for months and hes short of staff. I called Insure on the Spit today 1/10/22 for assistance, they were told that now hes waiting on parts. I would like to have my car transported to another shop or have the insurance ** total the car.

  

  Business response

  01/19/2022

  
  To whom it may concern:
  Insure On The Spot Services, **** has no involvement in the claim process.  The insurance company determines the outcome and handling of all claims.  We contacted American Heartland Insurance Company and received the following claim information.  The shop was paid on 8-30-21.  There was a confluence of parts delays and COVID sick-outs that set the repairs behind.  We called the shop and they are expediting the work completion.  If we see any further delay we will move the car immediately.
  We called ******* and let her know that work is proceeding and all of the delay issues involved.  She has contact information for a claims manager should there be any further delay.  We have waived her deductible for the repairs.
   We feel the above information should answer any questions regarding this matter.
  Respectfully,
  Insure On The Spot Services, Inc
  

• Initial Complaint

  12/31/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We have had Direct General insurance for years. My window on my car motor was broken and I was going to get Christmas gifts. I asked my son if I could take his car so that nothing was stolen and he said yes, we all live in the same home. While sitting behind another car at a light, a suburban hauling a boat didn't stop and ran into the back of me, pushing me into the car in front. The airbag deployed, and I was bruised and scraped up but not injured more. Neither in front or back was injured but my son's car was totaled. Now Direct is telling my son that I was excluded on his policy, he thought he included me but didn't. Now Direct says they could pay for it but will not. The falted driver only has ****** insurance on our car and the one in front so my son will have to pay out of his own pocket for his car. What is the point of insurance if they won't pay, I was not at fault. Aren't they supposed to cover the car? They at fault driver has Geico and they are telling us that it is their responsibility to pay. My son is so disgusted with them he just wants to give up and pay everything with his savings. Is there any other path we could take?

  

  Business response

  01/10/2022

  To whom it may concern,

  Insure On The Spot Services, **** is unable to locate the customer in our system.  Please provide a copy of the insurance declaration page and policy number.  

  
  Thank you for your time, Insure On The Spot Services, ****

   

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