InsureOneReviews of insureone.com

I got insurance through insureone and they told me Over the phone they would cancel my previous car insurance. I got charged months later and called my previous insurance and they informed me it was never cancelled. I have email follow ups that got ignored

My experience with InsureOne was frustrating from start to finish. When I applied for the policy, I submitted all the documents they requested from the very beginning to receive an accurate estimate and avoid surprises later on. However, it appears they either did not review or did not properly report all the information I provided. Some time later, I was verbally informed that my premium would increase by approximately $4,000. What was most concerning is that I never received any official document or written explanation justifying that increase. When I decided to look for another insurance company with better rates, I was told that I would have to pay a cancellation fee based on this new inflated amount that they had calculated afterward. I could not understand how they could charge me a penalty based on a figure that was never part of the original agreement and that resulted from errors in their own process. The situation became worse due to the unprofessional treatment and lack of courtesy from Maritza Inclan. Because of all this, I decided to file a formal complaint with the Florida Department of Financial Services (DFS), explaining in detail what had happened. And here is the interesting part: after DFS received my complaint, Maritza suddenly called me with a completely different attitude. She was very polite, saying she was not aware of the situation and showing a willingness to help that she had never demonstrated before. After several weeks, they finally agreed to correct the issue and charge me based on the original premium they had quoted at the beginning. I thought the problem was over, but it was not. The next issue was getting my money back. The refund took almost a month. I had to contact DFS again to report that I still had not received the reimbursement. Only after that intervention did the process move forward. My advice to anyone having problems with InsureOne: ● Document everything in writing. ● Do not accept major changes communicated only by phone. ● If you feel you are not being treated fairly, file a complaint with DFS. The process is simple and it really works. ● Compare prices. After leaving InsureOne, I was able to insure my properties for approximately half of what they were trying to charge me. This was my experience. I hope it helps someone before making a decision. Mi experiencia con InsureOne: mucho cuidado antes de contratar Mi experiencia con InsureOne fue frustrante de principio a fin. Cuando solicité la póliza, envié desde el primer momento todos los documentos que me pidieron para recibir un estimado preciso y evitar sorpresas más adelante. Sin embargo, aparentemente no revisaron o no reportaron toda la información que les envié. Tiempo después, me informaron verbalmente que mi prima aumentaría en aproximadamente $4,000. Lo más preocupante es que nunca recibí un documento oficial o explicación por escrito que justificara ese aumento. Al decidir buscar otra aseguradora con mejores precios, me dijeron que tendría que pagar un cargo por cancelación basado en ese nuevo monto inflado que ellos mismos habían calculado después. Yo no entendía cómo podían cobrarme una penalidad sobre una cantidad que nunca fue parte del acuerdo inicial y que surgió debido a errores en su propio proceso. La situación empeoró por el trato poco profesional y la falta de cortesía de Maritza Inclan. Debido a todo esto, decidí abrir una queja formal ante el Departamento de Servicios Financieros de Florida (DFS), explicando detalladamente lo sucedido. Y aquí viene lo interesante: después de que DFS recibió mi caso, Maritza me llamó repentinamente con una actitud completamente diferente. Muy amable, diciendo que no estaba al tanto de la situación y mostrando una disposición para ayudar que nunca había demostrado antes. Tras varias semanas, finalmente aceptaron corregir el problema y cobrarme sobre la prima original que me habían cotizado al principio. Pensé que el problema había terminado, pero no fue así. El siguiente inconveniente fue recuperar mi dinero. La devolución tardó casi un mes. Tuve que volver a comunicarme con DFS para informar que aún no me habían enviado el reembolso. Solo después de esa intervención el proceso avanzó. Mi consejo para cualquiera que tenga problemas con InsureOne: * Documenten todo por escrito. * No acepten cambios importantes comunicados únicamente por teléfono. * Si sienten que no están siendo tratados justamente, abran una queja con DFS. El proceso es sencillo y realmente funciona. * Comparen precios. Después de salir de InsureOne, conseguí asegurar mis propiedades por aproximadamente la mitad de lo que ellos intentaban cobrarme. Esta fue mi experiencia. Ojalá le sirva a alguien antes de tomar una decisión.