Auto-Owners InsuranceReviews of auto-owners.com

An HOA board of Director submitted a claim for coverage under the commercial general liability policy, and they denied coverage claiming his his actions were personal in nature. The claims adjuster never consulted with the board member to determine his her statement of facts

I have had business insurance with Auto Owners for 10 years. I moved here 10 years ago as a self employed painter. My yearly insurance was 300 and went up 3 dollars each year. THIS Year??? It went to 600. No explanation. I have never had a claim on this policy. I have always paid in full on time. Great way to lose someone’s business. Corporate greed at its best

Awful insurance, always hiking up prices to faten their pockets. They stink as a company and as human beings thumbs down. Don't do business with them. They are not the cheapest. They look to cancel your insurance for anything even if you only pay half. They look for reasons.

I am writing this review as a long-standing customer of Auto-Owners Insurance to detail a severely negative claims experience following a hit-and-run incident. I highly recommend potential customers rethink using this company based on the lack of support, communication issues, and unprofessional handling of my claim. Date of Incident: March 26, 2024 The Incident: My 2016 Corvette, in perfect condition, was struck by another vehicle while legally parked in a designated spot. The driver, an 85-year-old woman, fled the scene. A witness fortunately left a note with the vehicle’s license plate number. Failure of the Adjuster (Gina Marcantonio): Upon contacting Auto-Owners, I was assigned Claim Adjuster Gina Marcantonio. Her handling of the claim was entirely inadequate from day one. * Refusal to Investigate: When I provided the witness's note with the license plate number, Gina dismissed it as "not a serious thing" and refused to use that information to identify the at-fault driver. * Independent Investigation Required: It took me over a month to perform the adjuster’s job: I identified the driver, found her address, located her insurance information, obtained the police report, secured body cam footage from the detective, and even found video of the incident. Without my independent work, Auto-Owners would not have been able to pursue subrogation (recouping damages). * Misinformation Provided: Before my car even went in for repairs, Gina provided false information to the at-fault driver's insurance adjuster, stating my repairs only amounted to $2500 and that I was "fully paid." This directly caused delays and issues with the other insurer making their payments. The Repair and Payment Dispute: The total cost for the primary and secondary damages verified by the repair shop was $7159.45, which I paid entirely out of pocket in good faith that my insurer would reimburse me. Despite the shop manager speaking to Gina multiple times to confirm that all damages were related to the accident and that I had paid in full, Gina continued to insist I would not be paid the full amount. The shop manager even called her while I was present to verify that I was a customer and had incurred the full expense. Failure of Leadership and Executive Team: When standard channels failed, I escalated the issue to management. The response was dismissive and unhelpful. * Chris Khavari, the Claims Department Manager, explicitly stated that "nobody in the company cares" and that he couldn't be told what to do about this injustice. * I contacted multiple executive office members (Lynette, Garry ext. 55540, Amber Senken, Sydney ext. 55539, and Ali ext. 59265). Every single contact lied, changed their story, and refused to honor my legitimate claim. Conclusion: Instead of thanking a long-time client for doing their investigative work for them, Auto-Owners has ripped me off, lied to me, and refused to pay for damages I am entitled to under my policy. This company demonstrates a shocking lack of accountability and customer care. I strongly advise against trusting them with your assets.

Auto-Owners/Atlantic Casualty Insurance Company is predatory, they sent me an audit notice saying that if I didn’t give them a record of every single payment that I made to my subcontractors last year, they would charge me an additional 50% premium. No where in the documentation that I read, when I applied, does it say that I need to provide them with this information. They only give me less than 30 days to pay it or be sent to collections. My broker said that I am well within the amount that we projected that I would utilize subcontractors for 2024. I have been in business for 15 years and every other insurance company that I have dealt with has only asked for the industry standard, gross receipts for the total subcontractor amount, which is what I gave them. Their auditor even said that gross receipts would be sufficient, see attached email. This is obviously a bait and switch scheme, crafted by Auto-Owners/Atlantic Casualty Insurance Company, that prays on small businesses that don’t have the staff to give them that information. I am the only employee of my company and I don’t have the bandwidth to go through every single payment I made to my subcontractors last year. They did not say that this was a condition of the policy when I signed up with them. This is an erroneous charge and they need reverse it.

Used Auto-Owner's for storm damage claims on 2 properties, over $25k each. They were responsive, considerate, and easy to communicate with. Metlife/Farmers- complete opposite experience- a flipping disaster. Farmers adjuster became known as Vinny "The Dead Guy" by my roofer and me. Took weeks to try and locate and talk with the guy. Then getting paid was troublesome as well. However Auto-Owner's was a totally different story! Dylan Herron and Greg Larsen are AWESOME adjusters. Greg got us adjusted and paid in 2 days time for a claim we submitted the day prior! Unbelievable service and helped us to close the sale of one of the properties on-time! Thank you Greg and Dylan! --K.C. Dietz

The company sated that my contractor did not follow the plans and are not cooperating. In Auto Insurance, the company fixes the car and they go after the other insrance. They are twisting the truth.

I am a local contractor that works for a reputable national brand retailer. I have been dealing with storm damage claims all year In the Omaha and Lincoln area. I have worked with every major insurance company in the market. Auto owners insurance is the worst! This company will deny valid claims and tell customers to use third-party vendors for replacement products. This company will go out of their way to not pay out on a claim, even if there was substantial damage. If you are shopping for a new policy or have this company as your insurer and have never filed a claim…run away!!