Direct Auto InsuranceReviews of directauto.com

This company needs to be investigated what they did to my son is against the law and if any wants to know they totaled my sons car out after months of absolute laziness on their agents behalf and he was going to by it back and well they gave him a number and what was left from the check where they totaled it which buy back was of lower than check because your buying a totaled car but when he ask for the rest of his money they kept it and run a line of crap about auction when it never went to any auction or auction house I see why everyone is pissed this insurance is a scam just like the business

Wish I could give zero stars! I hit a deer and totaled my Audi. They said the dear damage was $5900 and the car would have been worth 7k but they docked me for any “unrelated” damage they could possibly find. They claimed the motor was bad and it wasn’t a result of the accident, curb rash on wheels and a supposed stain on the carpet and scratches on the tailgate. Never get insurance through Direct Auto Insurance. Liberty Mutual didn’t do this to me with my Nissan they gave me too blue book value plus the taxes I would pay to replace it. Direct Auto is a total scam!

We moved to Direct auto because insurance in Louisiana is crazy expensive. Our rates for 3 vehicles and a new driver werent bad. High, but for Louisiana, managable. One of our cars we moved up to full coverage because daughter was driving a lot to and from college. And had sent in the requested photos (front and back of vehicle) on the same day requested and even paid the increase and first monthly payment as requested. Well, my daughter car caught fire on her way home one day and completely destroyed. And as soon as we filed a claim, everything went bad. Direct claimed we weren't covered because we had not submitted photos, so we showed the email response say pics were received the same day they were requested. Then it was we werent covered because of payment but premium and increase and first monthly since upgrade were made and collected with no issues. Direct referred our case hire and decided we were only covered for collision although our documents stated otherwise. Needless to say car didnt get recovered and settled. Direct is a rip and if you can avoid it, DO NOT DO BUSINESS WITH DIRECT AUTO

That star is because you have to give at least 1. Absolute worst customer service. Worst claims department. Its the audacity for me that you call yourself a business. Like truthfully it would be exhausting to explain in detail. Just don't ever buy insurance from them. Heed the warnings in all these negative reviews!

I’m 70 years old worst insurance company ever dealt with in my life. Customer service sucks has no idea what they’re doing. Keep mailing required forms in but they say they don’t receive them and then they charge me a late fee for they not receiving them sent them in registered mail. They signed for him said they still didn’t receive them. They sent you a bill without proof of insurance and when you call for proof of insurance, they don’t send you that either. I would not recommend them to anybody shop around. I save $300 a year anyway.

I would give them a zero this Car Insurance sucks at the cracker jack Insurance well it’s gonna be three years with them and I just got better insurance today. Everyone stay away from direct national insurance. They say they do not have the papers that you have to send back so then I certified mailed it. They signed for it when I certified it and they said they still don’t have them they give you fake names and numbers to call and say I will be your agent. It is not the right number. It gives you Mexico you don’t know what country you’re calling to get a hold of your agent. You don’t have an agent they just like to do a run around. And by them not by not getting it, they say as a signed certified mail. They hit me with the late charge. I found better insurance today and I just canceled them. This new Insurance I paid $300 cheaper than this crap cracker Jack Insurance people stay away from this Car Insurance you get screwed.

Idallis Castillo is the most unprofessional claims adjuster. She expressed no empathy, returns no calls, and a complete disaster as she explained other claims being more important and not concerned with mine specifically. This is a terrible experience and should be handled promptly and with utmost concern and care. Her manager Salvatore displays same qualities. During the process you have an option to either upload photos or reach out to adjuster for other options. After nearly a month your forced to send photos for an estimate. Clearly unethical practices. This claims department is totally a disgrace to the Claims department industry. Very poor character, integrity, and morality. Just a complete disgust.

This company seemed great and the affordability was even better. I’m giving low stars because the auto pay system was not working at all. My husband set up auto pay 3 separate times over and over. The first payment went through, and he set up autopay. He autopays everything or else he forgets. Next month comes and he assumes we have car insurance. Luckily no accidents because the autopay failed us and was nonfunctional. He received a text saying he was past due and needed to make a payment. He thought maybe he did the auto pay incorrect and so he set up autopay again and he made the 2nd monthly payment late. Then the 3rd month rolls by and the same exact thing happens again!!!!!! He gets the text. He told me about this crappy software for the autopay. I told him to call but he is very hands on and always available for his job and other ventures he has. He should not have to even call and tell a company that the autopay is inoperable and it’s making him late every month. He probably got fees too but he didn’t tell me. Sounds like a sketchy setup if late fees are added. Anyways.. soon enough I got into a minor traffic accident with a construction company. I did no damage to the other truck, they were behind me and I honestly didn’t see or know how it happened, but I’m assuming they were close to me when I was getting over in their lane and I didn’t see them maybe? I honestly didn’t think it was my fault and the worker never even said what he experienced. He stayed quiet and would only say he needed to call his manager. I texted hubby for car insurance info because I had just got a new phone and didn’t have the info. He sends me a screenshot of it. The construction manager said they had to call the cops to make a report of the traffic accident, fine by me. I give the cop my phone to show proof of insurance. Every thing is good. I give the cop my phone to show proof of insurance. Every thing is good. The next day or 2nd day I call our insurance and was given an email to send the accident photos too. I took many pics. I sent the photos to the email requested. Then the next day or so I did not get any email reply at all. I call direct auto self and inquire about the whole incident as a whole. The person just wanted to transfer me to someone else. This man I was transferred to was nice but what he told me was weird. He said we did not have car insurance at the time of my accident And my husband paid it after I got into the accident. Which I confirmed with my husband. But I did tell the guy that it was an ongoing issue of the auto pay system malfunctioning and it doesn’t work at all. It’s not the first time my husband has had to pay the insurance After he was reminded once!!!!! IF the direct auto pay system worked we would’ve been covered. It’s insane timing and it makes us look bad 100% but that it far from the actual truth. That was my first Ever accident in my life. I had my baby with me. I didn’t plan anything. I’m a mom of 4. The man I was transferred to told me because of the false claims we made Direct Auto are not covering the accident, the accident was my fault, and they are dropping us indefinitely. It was a huge error on their part. This should have never been an issue. I wonder if others have autopay error with direct auto??????? It’s not only us. It’s a shame on them. This happened in November 2025. The construction company told me no harm done and that they were not making any claims with their insurance and they’re not faulting me at all for the accident. I wish I would’ve never even called direct auto to make the claim. The guy told me now I have an accident on my file because of it. And to top that off direct auto tried to get n extra payment out of us even though he paid NOVEMBER. Even though we weren’t covered past October!!!!!! They never tried getting it anymore after their first request call because they know they’re wrong. So I DO NOT RECOMMEND DIRECT AUTO INSURANCE AT ALL.