Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Meemic Insurance has been my car insurance provider for many years. Recently, my 6 month policy amount doubled and knowing I could not afford that, I reached out to my insurance claim representative and they suggested that monthly price significantly decrease if I removed PIP from the policy. I was told I had to reach out to my health insurance provider to obtain a form stating that I had coverage and everything would be updated. When I spoke when the representative the first time, I informed him that my payment would be deducted on March 3, 2025 and I wanted to be sure the higher amount would not be deducted, he told me there would be enough time to get everything in and I wouldn't have to worry about being charged the higher amount. Well, that was not true at all. When I went to check my bank account this morning, I was shocked that the higher amount had been deducted from my bank account. I called the representative and was told that it was too late to deduct the lower amount because the bank had already sent it in. I was not informed of any of this prior to my payment deduction. I informed the representative that I could not afford that higher amount and it is very clear that he simply didn't care. I am disabled and receive SSI to support me and my son. I cannot afford this. I believe this was a shady business move by Meemic to get more money out of me and I want half of my money back.

  Business Response

  Date: 03/04/2025

  Hello,

  Ms. **** called on February 25th on how she could reduce her premium. It was explained to her that she could opt out PIP since she has ********* She was happy with this decision. The documents were sent over to her on the 25t to sign.She  signed them on the 27th of February. Ms. ****** billing date is the 3rd of the month. Meemic asked for the money from her bank on February 28th for her March 3rd pull. Unfortunately it is out of our hands when customers sign the paperwork and when ********************** asks the bank for the money. Today MS. **** called and it was explained to her that the paperwork she signed on the 27th  went through but unfortunately there was not enough time to adjust the billing plan. It was explained that her following payments would be lower because as of February 27th she was opted out of the medical.   Today she called and wanted us to refund her money because we shouldn't have taken that much and when we tried to explain why she didn't want to hear anything about the paperwork signing day or what day Meemic asked her bank for the money. She just wanted her money returned to her. We said we are sorry to her and we understood her argument but the timing of all this is out of our hands.

  AAA-ACG

  Customer Answer

  Date: 03/09/2025

  I am no longer interested in this case and would like this review to be deleted. Thanks. 

• Initial Complaint

  Date:02/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Simply put, my monthly premium went from $114 in December to $176 for February. I don't have any points on my driving record, and I have a credit score of 729. I had one accident which was deemed not my fault and a comprehensive claim which was also deemed not my fault. In fact, the claims adjuster reclassified it as a Collision claim and waived the deductible. So, I'd like to know exactly why my payments jumped the way that it did. I realize everything in life goes up due to inflation, but dang.

  Business Response

  Date: 02/21/2025

  This same complaint was received through the Michigan Department of Insurance and ***************** ("DIFS"). A written response was submitted to that office explaining the reasons for the premium change. **** will supply a copy of the response to Mr. ******* Thank you, AAA-The Auto Club Group

  Customer Answer

  Date: 03/04/2025

  The communication I recalled required me to submit documentation about my concerns.  Well, there aren't any files or documents seeing that I pay all of my bills on-line.  That discouraged me greatly.  All I can tell you is that my monthly payment in December was $114 a month.   Now, the payments are $178.  I've done everything that I was told to bring the monthly payments down.  It didn't happen.  So, there is no documentation.  All that I can tell you is that it is just wrong on every level.   I've never had this happen to me and it just *****.

• Initial Complaint

  Date:12/04/2024

  Type:Order Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RFA is an insurance agent for Meemic. Does not pick up the phone, does not reply to emails or text messages. They send me communication/letters that requires urgent discussing, but there is no way to get hold of them for one week now. When I needed to change in the policy last month, I did not find a way to communicate, I had to contact the main insurance company and stay on hold for long time. I complained to the main company, but nothing changed. Thanks.

• Initial Complaint

  Date:04/22/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My initial encounter with their services arose from an incident that was unequivocally not my fault. Had it not been for the intervention of a compassionate individual at the dealership securing a loaner, I would have been forced to shell out $500 per week to maintain transportation. The conduct of their claims agents further compounds the frustration. *****************************, the first representative I dealt with, exhibited a reprehensible level of rudeness, culminating in a heated exchange where she resorted to yelling during a call. This outburst followed my attempts to seek clarification on the lack of progress regarding my vehicle, the absence of communication updates via email or text, and the impending expiration of my rental coverage. Despite my mounting frustration, her abrasive demeanor was unwarranted and unprofessional.Regrettably, my current interaction with *********************** mirrors past grievances. Since my car was stolen on March 19th, I have diligently navigated the aftermath, including obtaining a rental car, replacing identification documents, and fulfilling bureaucratic obligations. Despite adhering to their instructions and promptly returning all necessary paperwork by the designated deadline, their inefficiency has resulted in a protracted delay. The lack of communication from my insurance claim adjuster until April 11th, coupled with the impending expiration of my rental coverage on April 18th, underscores their blatant disregard for urgency and customer welfare.This ordeal has inflicted significant financial strain, as I've been forced to cover nearly $600 in rental car expenses out of pocket, a burden I can ill afford as a dedicated inner-city arts educator. Despite my repeated pleas for assistance, the indifference and ineptitude displayed by Meemic Insurance are appalling. ******** (*******) ******** apathetic response further exemplifies their systemic failure to address customer grievances promptly and effectively.

  Business Response

  Date: 04/25/2024

  Hello BBB,

  Per Claims:
  
  To Whom it may concern:
  
  This letter is in response to the complaint issued by ***********************************.
  
  On March 19, 2024, Meemics insured, *********************************** reported that the 2018 Kia ***** was stolen from ******************* in ******* MI. 
  
  *********************************** was contacted by her adjuster, *********************** on March 19th to discuss next steps and policy coverages.  A theft affidavit was mailed, and a rental reservation was set up with Enterprise on March 20th.
  
  A follow up contact was made to ***** by the handling adjuster on March 26th, advising we have not received the theft affidavit and repairs cannot be started until it is received. An additional follow up was made by the adjuster on April 12th to the member advising they had not received the theft affidavit and a second Theft Affidavit was emailed to the member at that time.

  The Theft Affidavit was date stamped and later received by Meemic on April 12th. The following business day, April 15th,the theft affidavit was acknowledged by the handling adjuster, and the estimate of damages was sent to the shop and a two-party payment was mailed to the shop.  Written documentation was texted to *********************************** advising of this along with expiration date for car rental coverage.  For member service, the assigned adjuster advised *********************************** she could get a discounted rate for additional car rental, but it would be an out-of-pocket expense. 

  
  *********************************** has met the limits of liability for rental coverage; therefore, Meemic Insurance cannot make any further rental payments. 
  

  Thank You

  Customer Answer

  Date: 05/02/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:

  I am writing in response to the letter regarding the complaint filed by ***********************************. After reviewing the contents of your correspondence, I must express my profound disappointment and frustration with the handling of my claim by Meemic Insurance.
  First and foremost, let me clarify the timeline of events for clarity. The necessary documents were diligently completed and dispatched on Monday, March 25th. Despite my prompt action, it was only on March 21st that I received the correspondence. This unfortunate incident has left me with severe anxiety regarding driving in adverse weather conditions, a fact I had made clear to your representatives. It was a weekend delay, but it was only 1 business day delay. I had to go and beg people to do things because everything that I need was in my car but I got it done the next business day. 
  Upon receipt of the documents, I immediately sought to expedite the process by visiting the bank to have them notarized, despite the inconvenience of not having a valid photo ID due to its theft from my vehicle. These documents were dispatched the same day, with *********************** notified of their dispatch on the 26th of March. It is bewildering that it took until April 12th for any communication regarding their non-receipt, leaving me with a mere week of insurance coverage remaining. 
  Moreover, the inexplicable delay in the arrival of critical documents, contrasted with the swift delivery of other correspondence, raises serious questions about the efficiency and integrity of your processes. It defies logic that documents sent from the same post office took almost three weeks to reach their destination. Such discrepancies are not only unacceptable but indicative of a systemic failure on the part of Meemic Insurance.
  Furthermore, the lack of proactive communication and failure to apprise me of the situation until the eleventh hour is simply inexcusable. It is abundantly clear that Meemic Insurance failed to fulfill its obligation to keep me informed and ensure a smooth claims process, instead opting for a reactive approach that has caused undue stress and financial burden.

  The delay in communication from Meemic regarding the status of my documents until the 12th was not only inconvenient but also concerning, particularly with only a week of insurance coverage remaining. Interestingly, on the same day, the documents mysteriously surfaced. They were stamped and dated the same day I was told I needed to resend everything. 

  Let's delve into the logistics: while my personal papers managed to reach my residence within a mere two days, documents sent directly from the post office underwent an inexplicable delay, extending to three weeks. Furthermore, subsequent discussions with ***** revealed discrepancies in charges, promptly addressed by the issuance of a check within two days. He also confirmed that nothing would have started until they received the notarized papers anyways, meaning that they were waiting until the papers came to do anything to my car without telling me that. If that was the case, I would have personally just driven the papers there. It's a THIRTY TWO minute drive. Papers don't go missing or be delayed 3 weeks when it's 30 minutes between them. Especially because every other piece of mail was received within two days.
  It's perplexing to witness such inconsistencies, especially when other correspondences maintain a swift two-day transit period from ************ to *******. This discordant pattern suggests a potential lack of expediency, impacting crucial processes. Moreover, the protracted duration of rental payments underscores a need for procedural review and enhanced communication protocols. Such oversight not only undermines operational efficiency but also jeopardizes customer satisfaction and corporate integrity.
  In light of these circumstances, I insist on a thorough review of my claim and a reassessment of the rental coverage eligibility. It is imperative that Meemic Insurance rectify its shortcomings and take immediate steps to address the damages incurred due to its negligence.
  I trust that you will treat this matter with the seriousness and urgency it warrants and provide a satisfactory resolution at the earliest opportunity.

  
  Sincerely,
  
  Regards,
  
  ***********************************

  Business Response

  Date: 05/28/2024

  MEEMIC received this same complaint through the state of Michigan insurance regulatory department. MEEMIC responded in writing to the state regulatory last week. A copy of that response will be provided to the complainant by the state. MEEMIC maintains that its handling of the claim was compliant with state law. Thank you, AAA-*******************

• Initial Complaint

  Date:08/30/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Meemic sells it service as though they help teachers. Completely false. Two teachers, customers for 10 years. This incident could financially ruin us. 8/24/23 Storm blew down trees onto my driveway where both my cars were parked. Smashing them under trees for days until a tree service could free them. Roofs are crushed, windshield crushed, back window and moonroof blown out. About an inch of rain water is sitting on the floorboards. Filed claims for them an hour after the storm passed. No issue. 8/25/23 Called Meemic to make sure claims went through. I was told my policy was canceled on 8/23/24 for a $21 non payment. I never received notice about this payment. My policy is ALWAYS paid in full every six months. I pay for full coverage insurance because my cars are on loans. Days later I am told the policy was canceled on 8/18/23 for an $18 amount. Not sure what is going on. But to cancel a policy over that small of an amount without the customer knowing is absurd. 8/30/23 Six days after the storm. I have spoken to about 8 different customer service people that have told me either my policy is canceled or that a supervisor is reviewing my policy. I have been told I can not contact a supervisor myself. Nobody will give me a phone extension nor an email. Giving various excuses why. Like they do not know who the supervisors are or that nobody works in the offices anymore. They keep transferring me on to claims then claims tells me I can not make a claim because my policy is canceled. What is going on??? Again, two teachers without transportation to school!!! I have been borrowing a car and need to give it back. I need car rentals that my full coverage policy covers. Nobody has gotten back to me about this for six days and we are headed into a long holiday weekend.

  Business Response

  Date: 08/31/2023

  Ms. *** ******** received 3 Notices of Cancellation, prior to the  8/23/2023 cancellation, of **********. (documentation can be provided upon request).
  Ms. *** ******** filed a claim with Meemic Insurance Company on 8/24.2023, which her policy had already canceled as of 12:01am on 8/23/2023.
  After further review, it was confirmed that the cancelation date of 8/23/23 stands based on the member being sent legal notices through the USPS, to the verified address of **** ************ ** ***** ******* ** *****. We can understand the concern of the incorrect date sent via email but the notices would have been received well in advance of the cancellation date, and they would have been received before the email was sent, in addition to the regular bills the member would have received. The member had an opportunity to pay the invoice and question the legal notices/e-mails that were received, and it appears that they did not reach out to the company nor the agency in advance of the claim.
  At this time we are unable to make accommodations for this policy. 
   A call was made to Ms. ******** at 4;09pm on the same day that she requested to speak with a supervisor.  The call was made to Ms. ******** which no one answered the phone, prompting a voice message to be left, asking for a call to be returned to the manager's direct phone number, which was given. (Documentation can be provided upon request).

  Thank you,
  
  **** ******
  
  
  

  Customer Answer

  Date: 09/01/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 20544267, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  That is untrue. I did not receive any notices of cancellation. Again, the only notice I received was that my next 6 month premium was due, and that was through email. Otherwise the only mail I have gotten is my policy with proof of insurance. From what your customer service reps have told me the cancellation was due to an $18 or $21 non-payment for coverage on the Crosstrek. Why would Meemic cancel coverage for BOTH cars if that is the case? This all is very suspect. 

  Fom **** *****: “The member had an opportunity to pay the invoice and question the legal notices/e-mails that were received, and it appears that they did not reach out to the company nor the agency in advance of the claim.” No, I did not have the opportunity to pay the invoice because I did NOT receive any notices, in the mail nor via email. This is a lie. If I had known of such a small amount to pay I would have.

  The fact that Meemic markets themselves to teachers is not honoring my policy that was paid in full for 6 months is a shame. Also, that Meemic would cancel a policy for two cars for an approximate amount of $20 when I have paid Meemic thousands for coverage over the past 10 years is absolutely absurd and sickening. 

  Lastly, no phone call has ever come in to me from Meemic concerning this matter. That is also a lie. If a supervisor had called and left their direct number I would have called it and spoken to them before even filing this complaint. I have called into Meemic and spoken to at least eight different customer service people requesting to speak to a supervisor over a week's time. Not one person has called nor left a message. I have proof on my cell phone call log. 
  
  Regards,
  
  *** ********

• Initial Complaint

  Date:08/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  8/4/22 I called to find out about making a payment because someone had compromised my card. I wanted to verify if I was paying from card or check. I found out that my account was canceled and they were stating they sent out mail, but I received mail from the courthouse, but not Meemic????? I was also informed my house insurance is about to lapse, but when I called my agent, I found out she was no longer with them!!! Why werent we notified?? Thu are affiliated with AAA

  Business Response

  Date: 08/09/2022

  Policy PAP0978423 *************************
  The automobile policy cancelled effective 06-23-22 for non-payment of premium.  **************** was on the monthly payment plan.  Her debit date was the first of each month.  The 06-01-22 debit in the amount of $180.37 was returned by the bank coded R01 Insufficient Funds. On 06-06-22 a Notice of Cancellation Due to Uncollected Funds was mailed to ************************* *********************** **** *************** ************ **  30135-7408.  This notice advised of the returned payment in the amount of $180.37 +$15.00 NSF FEE= $195.37 amount due before cancellation date of 06-23-22.  Since the replacement payment was not made,the policy cancelled on 6-23-22.  There is an outstanding balance on the cancelled policy in the amount of $170.26.  This is for the earned premium for coverage from 03-27-22 to the cancellation date of 06-23-22.  We are able to make payment arrangements for the past due collection amount.  Please call our office ************** and speak to a customer service representative.