ComplaintsforA - Affordable Insurance Agency

• Initial Complaint

  04/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a auto insurance policy with this company One day I went to make a payment in the office when I left after making a payment a week later my car insurance was a week later to due to a payment of $19 when I contacted my agent handling my policy she stated that she dont reinstate and lied and said I missed a payment when I reached out to my finance company(Thrifty) she lied and didnt handle the policy correctly when my insurance company Mapfree sent the paper work to my Agent for my car insurance to be reinstated the agent didnt do the required paper work in time resulting my car insurance being canceled and not reinstated I reached out to the corporation numerous times and never get an answer when calling to speak with someone and when I speak to the agent shes rude very unprofessional and tells me to call her supervisor shes done

  

  Business response

  04/24/2024

  Hello,

   

  The policy in reference was cancelled for nonpayment of premium on 2/5/2024.  The customer contacted our office 3 days after they cancelation date and was informed that his policy did cancel for nonpayment.  

• Initial Complaint

  03/21/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  I opened an auto insurance policy w/a-affordable to be effective 1/3/24 giving a deposit about $700.weeks went by I realized I didnt get any correspondence from them and reached out to them.I had nothing to reference about who insured me i never called at the same times or same days but always had same results. Id either hold for over an hour, system timed out disconnecting me or had to hang up if I was out of time with a break.3/18/24 I held 3hrs.I have phone records showing time durations.I had no idea what insurance I should call.On this same day I listened to the customer service prompts,took down every ********************** company the recording said they dealt with and by process of elimination I contacted each insurance seeing if they had my info for a policy.This was how I came to know I was in Arbellas system as canceled because they never heard from me.******* informed me that I was not the only customer with similar complaints and Arbella themselves have trouble when trying to contact A-Affordable.******* did his best,even placing me on hold to see if he could find another way I could get in touch with the agency.******* further went on and suggested that I contact ************ to see if they had any further info.I didnt know what thrifty Bank was.******* rep told me that this bank financed my policy.Spoke w/Thrifty and they tried calling agency to no avail.I had to go online,fill out a fake quote request to see if Id get a call back. Almost immediately I did.after speaking with ******* and *** nothings resolved I Have a policy canceled I was never able to verify I had.They tell lies to cover lies made promises to send verifying info but no results.*** a mgr said because I opted paperless billing is why I didnt get regular mail from them.Not true and she refused to send me proof of this.im hoping to resolve this in my favor.I got Congestive Heart Failure and have to drive to many appointments.

  Customer response

  04/04/2024

  I have not heard from the business in response to my complaint. What this business has done to me is unbelievable. I wish I had known about the business ethics and practices before giving them my money. Ive seen reviews and BBB page and Yelp and there arr other people that have had similar complaints with this same business and they have an F with BBB.

  My contact with the customer service rep ********* was unreal she was very rude and I wasnt really able convey to her thoroughly my issue.If the calls are recorded I believe it should be listened to. I had to try and raise my voice for her to hear me because each time I began to talk she would cut me off and rudely tell me I was canceled for non-payment. After getting frustrated I asked multiple times for a manager before she said one was not in the office and then I practically begged her just to take down my number and have a manager call me back

  The manager *** called me back a day or two later and I wasnt allowed to get my words out either. If did also start trying to talk louder  because it was very frustration that she wouldnt let me talk or complete my sentences. She then said that she was couldnt to terminate the call because I was telling. Shes told me lies and her story consistently changed. She said she had read receipts that I saw the correspondences that they sent. She said that she had proof that I requested electronic billing. She stayed a lot of lies. I had her on speaker and I have two witnesses. Again if the calls are recorded I would like it listened you to verify that Im conveying true information. I asked her to send me proof of everything she said she had but shes sending screen shots that dont support the info she claimed she had. 
  

  basically the issue is that they took a lot of my money and I feel like I was never provided with auto insurance. I never knew what insurance company I was assigned to, never told me that *********** financed me (I never even knew such a thing existed or was possible). The way I ultimately researched what company I was with is unreal! My only proof that I had did business with them was my bank statement showing I paid their business money. It was impossible to reach anyone to figure things out and get urgent questions answered.If myself and the ***************** come up with the idea for me to go online and request to start a new policy I still believe I wouldnt have found any info out. They only contact you or set their system up to obtain new business and careless about anything else. I have phone records supporting the fact that I was calling them. I was placed on hold at one time for over two hours. It was always a long time. I feel like I have done my part as a customer. I feel like they robbed me of my money. I am disabled with Congestive Heart Failure. My income is disability from the government and only comes on the 3rd of each month which is why I called them on that date in January 2024. I am now without the ability to get to my doctors appointments because I cant drive my car. I can pay my monthly bill but u cant afford to keep coming up with big down payments. Their actions have caused a major issue in my life and can possibly be a apart in my demise should anything happen to me. They have altered my life.

• Initial Complaint

  12/31/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Do not purchase auto insurance from Amica, ****** ******* or A-Affordable Insurance company. Their business practices are vague & misleading and they have no problem circumventing or breaking insurance law. I initially filed a complaint against ***** on November 14th days after I found out they were part of my insurance policy. -It should be noted that I purchased an insurance policy from A-Affordable Insurance on September 8th 2023. I gave A-Affordable a down-payment on the policy (because it was demanded) of $1117.50 at the time of purchase. A-Affordable took my down-payment and I was insured. I was not given any payment schedule, notice of whom to pay or even a insurance declaration page on September 8th 2023- In late October I received a flyer/leaflet from a A-Affordable Insurance company stating that my insurance policy needed immediate attention and was at risk of cancelation. (I did not receive any actual notice of cancelation from any of the 3 companies involved until November 27th 2023 when I received an insurance cancelation notice referencing 11/18/2023 as a cancelation date from ****** ******* post dated november 21st. from a ************* address.) When I received the flyer/leaflet from A-Affordable I immediately contacted my account manager *******. I asked for my payment schedule and insurance declaration page. I also found out about ****** ******* and Amica during this call. I filed the original complaint on November 13th or 14th asking that my policy not be canceled because I was not properly notified, was not given a payment schedule until the end of October and was unaware of whom I should pay out of the 3 entities. I received response from Shariff with A-Affordable on 11/14/23 via text stating "your policy has been reinstated" and a response from Amica via the BBB complaint portal on 11/17/23 stating my policy is active and highlighting/owning a mistake that was made on my account. This company did not cancel my insurance until 12/20/23.

  

  Business response

  02/13/2024

  A-Affordable Insurance Agency did open a personal auto policy for ************** effective 11/8/2023 with Amica Mutual.  As per *****'s written response, there was a delay with Amica processing the policy.  

  This policy in reference did cancel for nonpayment on 11/18/2024.   ************** did not make any payments on his policy, which was the reason for cancellation.  

   

• Initial Complaint

  12/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This is the absolute worst insurance agency I have ever worked with. I added a vehicle on my insurance on 11/5/24. I received a letter from the registry stating that my registration would be revoked if i didn't add insurance. I was SUPER CLEAR with the agent (*******************************) that the registration would be revoked by said date and asked if there would be anything that I need to do on my end. She said no, and said that it will be taken care of. Needless to say it was not. On 11/24/23, the vehicle that was added was pulled over and towed for no insurance and no registration. When I called that same day while the vehicle was pulled over almost three weeks later, A Affordable or the insurance company (AMICA) was not able to provide any information that the vehicle was added or insurance. The police officer was extremely nice and stayed with the car until we got the insurance company on the phone as he understood that things could get complicated. NO ONE could confirm the car was registered. I spoke to ONE representative ****** from the **************** who was able to add the insurance that day and help register the car.Additionally, I spoke to the regional manager, who ************************* (*****), who basically told me it's not their issue. Now we have a criminal offense on the record due to driving without registration and no one who informed me of next steps or any information on what to do. If I had known all this information, we would have NEVER driven the car and would have waited until everything was all set. Now we have to worry about impound fees and time off work for court dates. I am so disappointed that an insurance agent would be so careless. PLEASE DO NOT GO HERE. I usually don't write reviews but i do not want another person/ family to go through what mine had to go with with no accountability, not even a sorry. Literally go ANYWHERE else!

  

  Business response

  01/26/2024

  Our agency received an inbound phone call from ********************* on 11/15 with a request to add a 2012 ***** Accord to her auto policy, with the coverages and driver(s) she requested .  Our CSR emailed the policy change request to Amica that same day at 3:44 pm and in the email we request that ***** expedite the updating of her plate status.  Email proof has been provided in this response as an attachment.  As a carrier in *************, Amica has the obligation to update the license plates indicating that Amica is the carrier and the status of the license plates is Active.
  In this scenario unfortunately ***** must have been quite behind in their processing and did not process the policy change request timely.  This is why it was difficult for the representative at Amica to confirm the coverage on 11/24, we had sent it to them, but they had not processed it yet on their end.  On 11/24 our staff sent the *** to Amica for a second time.  Even though ********************* was pulled over and cited, her vehicle was insured at the time of the incident.  ***** has provided ********************* proof in the form of a declarations page that the vehicle was insured at the time, which should be sufficient evidence for an appeal.   ***** also sent a letter to ********************* informing her of coverage prior to the date of incident. We have asked ***** to take responsibility and reimburse ********************* for her expense. 

• Initial Complaint

  11/14/2023

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  I purchased my current policy on September 8th by phone. At the time of purchase the agent only took a down-payment to insure me and never sent me any policy documents, never advised me of my pay schedule, and never advised me of the insurance company to pay my bill with. I received a pending cancelation notice on October 23rd and contacted the agent I purchased my policy with the following day. On October 24th I finally received my policy documents and the other information aforementioned. I am simply asking the insurance company not to hold me liable for the insurance agents negligence in not notifying me of my payment schedule and whom to pay. Cancel the pending order and allow me time to bring my balance to current before the next payment is due on 12/8/2023.

• Initial Complaint

  07/14/2023

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  After hearing advertisements on the radio, I decided to go with A-affordable auto insurance. 7 months into my policy, I purchased a new car. After reaching out to my insurance agent ******************************* about adding an additional car to my policy. ******* responded by asking me to submit paperwork for the title on the same day. I clicked the link, uploaded the paperwork and waited for a response. A day turned into a few days, which turned into weeks.After getting no response, I called the customer service line and got no help or insight as to when the agent would process my request. This continued, repeatedly, for many days. One occasion I waited on hold for over 45 minutes on my lunch break and got no response to repeated texts or voicemails. After four weeks, I said enough is enough and moved my current policy and my new car to a different company. After calling repeatedly, both my new insurance company and myself, A-affordable finally acknowledged that I had canceled my policy. A week later, they deducted my insurance premium from my account, causing overdrafts and making me wait over a week to receive the checks. One was a full refund of the premium taken out, the other was a lie. Having canceled my policy 13 days prior, I was owed the pro-rate of that amount. The checks arrived in the mail today - I was pro-rated 2 of the 13 days that I anm owed. ******* recommended that I reach out to Safety insurance - ******* at safety billing informed me that if you cancel a policy early, you get a penalty for cancellation. When I explained that ******* (my agent) ignored me for four weeks, she explained that insurance agents typically dont disappear. So here I am, asking for a the business to refund the cancellation fee, pay me the amount pro-rated to the day that I canceled due to their silence and to cover my $35 overdraft fee caused by their incompetence. Will gladly show documentation proving my claims.

  Customer response

  07/25/2023

  I have not heard from the business in response to my complaint. They have repeatedly ignored my requests for resolution. 

• Initial Complaint

  09/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I'm filing this report because I was told buy a affordable insurance company I was going to be paying $422 a month and last month it was 432 they had my **** this month for 432 already because I haven't paid my **** yet which my **** is not due until the 7th of each month and I'm not late so they're basically charging me this is extra $10 because I'm not paying 15 days before my **** is due which one I first got a quote on this they never told me that so that's why I'm putting this complaint in it's not right that I have to pay a fee for something that I wasn't told about. I'm filing with a affordable because they are the ones I initially spoke with about my quote and they never told me i would be charged $10 extra for not paying 15 days in advance like are they serious!

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩