Wawanesa Insurance

This is the worst company that I have ever done business with. I have honestly experienced nothing but frustration and anger dealing with my insurance. While I was out of town in the beginning of March 2021 my car was stolen from the drive way of my home, my home was also burglarized, during the burglary the pink slip to my 2012 Fiat 500 was obtained ( not an expensive vehicle....but I loved it !!!), pink slip in hand the Fiat was registered and sold without my permission or knowledge. I get home to realize what had happened and contact the appropriate authorities to report the incident. I contacted wawanessa shortly afterwards to file the claim and that is where the horrors begin. The first problem. My full coverage insurance includes a rental car while my vehicle is being repaired or replaced. Wawanessa informed me that due to the unusual circumstances surrounding the theft they would not cover the rental. They suggested that I pay for the rental with my own money and if or when they decide to approve the claim they will reimburse me for the costs of the rental vehicle. Had I agreed and rented a vehicle the current cost out of pocket to date would be 3600 dollars and still no approval insight!!! I don't have that type of extra money...so I have been without a car for the last 4 months!!! I have no way to get to work or school. I am forced to beg friends and family busy with their own lives to drive me around or take experience ride sharing even though I paid up front for yearly insurance to assure this would never happen. Now the claim is taken forever to process I hadn't heard back from anyone for all most two weeks. Finally I am contacted and the woman is mean and very frank. Not at all the consideration, I am needing. She implies that they basically don't believe me and require a lot more evidence. So I provide everything they ask for and more. Photos of the home after the burglary, my original bill of sale, I even contacted the dealership I purchased from and had the owner sign an affidavit stating I bought the car from him, and more. Then the require a notarized statement, and then a long recorded interview with an adjuster who isn't very nice either. I complete all their nessesary paperwork expecting then to be paid. Of course I don't hear back for weeks. I keep calling with the same answer told to me each time " we are still reviewing your claim "it's now been 4 months still no resolution. I'm out a car the least they could do is give me back the money I paid for the yearly policy. Don't use them!!!! You will also be disappointed!! Any other company would be better. Plus they are expensive you think you're paying for quality service but obviously, that's not included in the cost!!! The company commented on my post stating that they hope to resolve my issue promptly while at the same time sending another letter to me stating that they need additional time in order to investigate my claim!!! I feel like they plan on dragging this out indefinitely in hopes I forget about that claim or become so frustrated that I give up !! All to avoid paying a small less than 15 thousand dollar claim. That amount is so nominal to a company of their size but that amount of money is so vital to me and my personal and financial well-being ( isn't that why we purchase insurance...to protect our livelihood and financial well-being?) Then why is it that with insurance I am suffering so significantly? It's incredibly frustrating and I'm almost to the point where I'm beginning to feel like I am trapped financially and have lost so much I might not ever get back to where I was before all of this happened to me. It's incredibly unfair. I just hope to prevent this from happening to someone else.. if that's all the good that can come from my misery.