I had an insurance policy through Auto Owner's Insurance Company. They robbed me on two different occasions!
The first time, I was involved in an accident, I had my SUV in four wheel drive when it happened and because of the abrupt stop, the teeth on the gear in my rear differential were sheered off at the base. I had a notarized and signed statement from three auto repair shops stating that this could have only happened from an auto accident because the insurance company decided it didn’t want to pay the $1000 repair which was for a used differential. (I wasn't even trying to get them to pay for a new one which was twice the price!) I took them to small claims court and they hired an attorney which hired a well-known sleaze-bag shop owner in town to testify that I was lying. They ran circles around me after the judge informed me that my letters were not admissible and that I should have had the witnesses there to testify...yeah thanks for telling me! Anyway, they didn’t have to pay for the differential because I lost. How much did they spend on their defense? After all, the attorney came 400 miles from Salt Lake City!
The other time they screwed me was when I added my suburban to my insurance policy. They quoted me a certain amount of money and when I received the bill, they had decided to triple the monthly premium. They had added the Suburban to the same account that my Blazer was on, (which I had paid the insurance policy in full for six months) so I reluctantly paid the first month for the Suburban and told them to take it off the policy, that I was insuring elsewhere. I ended up insuring it with USAA. (what a great company!)
About three months later, my wife was involved in a car accident with our Blazer. I contacted Auto Owner's to inform them of the accident and they told me that I no longer had an insurance policy with them. They decided to leave the Suburban on my insurance policy and that it had eaten up all the money I paid on the Blazer and then they cancel the insurance on both vehicles...all without saying a word to me! This company is all about taking your money and giving you absolutely nothing in return! Do NOT go with Auto Owners! They are crooks!