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Ocean Harbor / Pearl Holding Group

Ocean Harbor / Pearl Holding Group review: Insurance / customer service 51

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1:09 pm EDT
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This company has the worst customer service i have ever experienced. The claims department is horrble and the agents never return phone calls or answer the phones. I had an accident on july 3rd and i didn't get a response from the company in three weeks. I had to hunt my agent down in order to speak to her. The supervisor received several phone calls from me asking him to please call me and i never heard from him. Over this company is quick to take your money but is a nightmare when it comes to making a claim or customer service.

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The complaint has been investigated and resolved to the customer’s satisfaction.

51 comments
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Tendaji
, US
Jul 22, 2018 2:44 pm EDT

I am so disappoint at this company, it has been 4 week and 5 days, sense my acdddent I had to the serval time to come get my car, it took them 20 something day's to come get my car, my was total lost, and th y has not yet gave me my check, for my car or said anything, the s people want th y money but wn it come to pay out thy take the on sweet time, as soon as th y cut my check, I am dropping thr [censored] soon as thy put tht checks in my ✋

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daniel artero
, US
Jan 12, 2018 9:15 am EST

Me siento robado por esta compania, llame ciento de veces al [protected], me atendieron dos veces para decirme que me transferian al departamento correcto y NUNCA ATENDIERON EL TELEFONO, Esta compania trabaja para ESTAFAR A LA GENTE, ESO LO QUE SON, ESTAFADORES, PRONTO ENTABLARE UNA DEMANDA SOBRE ESTA PORQUERIA DE SINVERGUENSA, YA VAN A TENER NOTICIAS MIAS, ESTO NO VA A QUEDAR IMPUNE COMO MUCHOS CASOS QUE HE SIDO INFORMADO.JUAN ARTERO.

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mossad assassin
, US
Sep 08, 2017 2:18 pm EDT

Most of the claims submitted are FRAUD because you losers are trying to dump your car payment because you are pathetic rats

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mossad assassin
, US
Sep 08, 2017 2:16 pm EDT

Right on! vermin and the [censored] of the earth, so sad you all are so dispicable

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mossad assassin
, US
Sep 08, 2017 2:00 pm EDT

You [censored] are so ignorant and the customers this company has are the [censored] of the earth. they only have ocean harbor because they have poor driving history, immigrant driver's licenses, multiple tickets, dui's and there is no other company that will insure them, the customers are ghetto sick and white trash, they are always at fault and have to be the lowest form of humanity that exists. I wouldn't even call half of them human. they are a waste of
oxygen and shouldn't be allowed to even drive. most of these [censored] don't even have a driver's license. they need to go back to their own useless
country where they belong. Trump will take care of you and be careful what you say because we know where you live we know where you work, we know everyone that lives in your household we know your vehicles and we know what you look like (unfortunately). Most of you illiterates cannot even
formulate a sentence. Get a GED and get a job and be careful who you @#@# with.

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Pissedthefoff
, US
Aug 22, 2017 12:13 pm EDT

It's a nightmare, don't waste ur money or time, their [censor] theives with a nice name.
Regret not reviewing them first, got me in a circus act to repair my car, it's frustrating to pay $250 every month just to find out it's a scam. ITS A SCAM

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Mia777
, US
Oct 21, 2016 8:30 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I've had the worst experience with this insurance, I don't know where to begin. My mother had ocean harbor insurance for 10 years. The one time she had to do a claim it was like pulling teeth. They don't care, they DO NOT ANSWER OR RETURN CALLS. MISS PEGGY POWELL was my adjuster (HORRIBLE UNPROFESSIONAL WOMAN) . They damaged my car in their possession but tried to make me pay a deductible of 500. I had to have the detective send pics and my lawyer involved stating my car was in great condition. I was out of a car for a month and a half because of their carelessness... Peggy Powell hung up on me twice. Anyone who have them and need something done EMAIL so you have papertrail... because they don't notate your case... she is even rude on emails... this will be the last time I ever deal with them... I don't understand how they are still in business .. I wish the owner of the company see all of these complaints and clean house and start new management...

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Uknohoo
, US
Sep 12, 2016 4:05 am EDT

Dnt feel left out everyone there own policy holders dnt get crap either they try to find aby reason not to cover u wheather u have comp & collision dnt matter they find any bull excuse to deny a claim! Someone needs to close them down there scam artists/frauds no doubt about it!

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Uknohoo
, US
Sep 12, 2016 3:50 am EDT

Company are frauds

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Leon3332016
, US
May 23, 2016 7:49 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I just got involved today with scenario on being a victim of crime. The insurance sounds a nightmare. Any suggestions?!? File with my insurance, get an attorney involved even though damage is only to rear of my car, but more than $2000 in my opinion. Any advise is greatly appreciated.

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shazub
, US
May 23, 2016 10:07 am EDT

Is anyone still fighting Ocean harbor? Did anything come out of it?
My family and I are dealing with Ocean Harbor right now too, after a total loss accident and they refuse to pick up their phones!
They refuse to send our finance company the final check. We are getting nowhere with this company.
I have spoken to some lawyers and it seems there are a lot of people with the same problem.
Can anyone recommend a good lawyer in Florida that has experience with this company? We need help with this, they owe our finance company so much money and also the hospital!

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Samantha Hart
, US
May 12, 2016 10:19 am EDT

This insurance company is a JOKE! Debbie Muniz statement coordinater was the most distasteful woman I've ever encountered in customer service! I do not recommend this company to anyone! My accident was in March and they are just getting to me about settling, ON MY BIRTHDAY. I was rear ended by no fault of my own and am being treated like garbage! I have never been so displeased by a company in my life.

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FrankinFlorida
, US
Apr 04, 2016 8:32 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Yet another victim! Thier insured person ran into my car, cannot get a response from them. Now going to sue the driver personally.

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MickeyGrand
, US
Jan 18, 2016 4:01 pm EST

An Ocean Harbor Casualty policy holder smashed into my car and totaled it on Nov. 4, 2015. Harbor sent a representative out to take pictures of my car and deemed it totaled. It is now Jan. 18, 2016 and I have not received a response from them (I've probably left 50+ messages). When I do call, I'm placed on hold for 30-45 minutes before being told that the agent managing the case is not available. What can I do?

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Que1
, US
Sep 04, 2015 12:30 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

This is by far the worst insurance company. An insured driver from Ocean Harbor rear ended my car & totaled it. The insurance doesn't want to pay for it. I have been calling every day & leaving messages. This is insane.

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Love Pompee
, US
Aug 29, 2015 8:48 pm EDT

I have been doing some research on ocean harbor insurance because I have not had the best experience at all. I was recently involved in an accident by their insured and their insured was issued a citation because they were at fault. I called to file a claim and they blantly told me that a rental would not be provided until they are in possession of my vehicle, which that is something that I understand. However, my vehicle was towed from the scene to a tow yard and sat there for a week in a day. They finally moved it but they did not advised me as to where they moved it to. The only reason why I knew the vehicle was moved was because I called the tow yard. The representative from the tow yard advised me that my vehicle was moved but they did not give any information as to where the car being towed to. I have called numerous of time only to get the run around. My claims adjuster is Luis Velez ext 197 he never returns any of my calls although I left numerous messages for him and his supervisor. I have hired an attroney to step in as I am not getting any where with them. How do you tow someones car and not advised them as to where you are taking their vehicle. I agree with everyone who has posted here. This company needs to shut down for poor business practice. I pray that everything gets settled as it has been very expensive getting around with no transportation on top of the fact I am still making payments on a car that I am NOT in possession of at the moment and I do not know where it is. I am going to do further research and continue to make complaints until something is done this is ridiculous and people should not be treated this especially if their insured was deemed at fault. We should be rendered proper services instead of being treated as though we are an inconvenience.

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Legal Complainer
, US
Aug 03, 2015 3:59 pm EDT

Well, here it is 2015, and I see comments since 2010 of people going through the exact same thing we are dealing with. I work for a plaintiff's personal injury law firm and in my 25 years int the business across the south, I have never encountered such incompetence in an insurance/adjusting company. Pearl Holding Group needs to be fired by Ocean Harbor. Although, if they can't see that by now, I have to assume they are in on it with Pearl Holding Group. People, please do your research before you buy auto insurance, or ask questions to your agent about everything that you do not understand before signing your name to something. You may think cheap insurance is the best, but in the long run, you will pay. They will continue to not answer or return your calls (they don't even answer or return attorney calls), they will continue to make up excuses to deny your claim, and you will end up being the loser. Clearly the Florida Department of Insurance will not close this business down, or revoke their license, because the same complaints have been happening since 2010 (at least according to this site) and zero has changed. They even have complaints on the BBB and nothing has changed. All we can hope for now is karma to get all of these people (Celli, Riley, etc.) because clearly the proper channels and agencies can't even get them to change their ways. It is a sad situation.

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keily
, US
Jun 22, 2015 11:04 am EDT

this is the worst company ever. a guy crashed me because he ran a stop sighn and now this crappy insurance wont pay nothing they were supposed to pay my rental r and they didnt pay it so the rental got it from my bank taking 1500 from my account they took all my money leaving me with nothing i cant pay my other car i owed 2 months because of this crappy as company i need to pay my rent and i have nothing because they wont pay for my rental car the rental took it from my bank account it has been more than 2 months an i havent gotten paid for my total car. Every time i called they tell me their waiting for the insured person to send the statement and like that it has been 2 months. Every time i call they tell me they have a appoiment with the person that day and i call again to see what happened and they tell me that the person didnt call. pray to god you never have to go through what am going through dont wish this on my worst enemy. This company needs to be shot down.

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taconesylunares
Homestead, US
May 21, 2015 12:02 pm EDT

My daughter was involved in an accident where Ocean Harbor's insured ran a red light and totaled her car. Today has been exactly 30 DAYS and I'm still getting the run-around from this company. They are he RUDEST, NASTIEST AND IMCOMPETENT BUNCH OF IDIOTS that I have ever spoken to. Their excuse is that there are "conflicting stores" because their insured said my daughter ran the red light when A WITNESS AT THE SCENE TOLD THE POLICE THEIR INSURED CLEARLY RAN THE RED LIGHT. I had to do all the "investigative" work for them from obtaining the long form police report to getting in touch with the witness (the adjuster said she wasn't able to reach him). These people act in BAD FAITH in violation of Florida Statutes 624.155 - Google the statute to read it in it's entirety. I filed a complaint with the Florida Dept. of Consumer Services: https://apps.fldfs.com/eservice/NewRequest.aspx. The general consensus from people reading this blog is that more people need to file a complaint against this company - they need to be put out of business - SCAMMERS!

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tvecc
Lehigh Acres, US
Feb 23, 2015 4:38 pm EST

Couldn't agree more..Oceans harbor will have you running through hoops and paperwork and will never return your call. The State should shut this company down. I have Progress Insurance and the claims adjuster knows this company all too well. Said I should just use their insurance and pay the deductible for peace of mind.. I have three kids to shuttle around and can't wait forever to get the van fixed...

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DeMAN1969
West Palm Beach, US
Sep 12, 2014 12:00 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Time for the Florida Insurance Commissioner to close them down.

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DeMAN1969
West Palm Beach, US
Sep 12, 2014 11:40 am EDT
Verified customer This comment was posted by a verified customer. Learn more

YESSSSSSSS!OCEAN HARBOR IS FULL OF HOT STEAMY SMELLY [censored]. THE ARE VERY RUDE AND ALL THEY DO IS TAKE YOUR MONEY BUT AS SOON YOU A CLAIM COME UP IN YOUR NAME AT FAUL OR NOT AT FAULT THEY DROP YOU LIKE A HOT POTATO AND THEY DON'T WANT NOTHING TO DO WITH YOU. LIKE YOU NEVER EXCITED. THEY ARE JUST MONEY HUNGRY.THEY ARE FOR THEM SELF NOT THE CUSTOMER. WARN EVERYONE NEVER TO DO BUSINESS WITH OCEAN HARBOR!

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Lucille V.
Boynton Beach, US
Sep 05, 2014 8:37 pm EDT

OCEAN HARBOR IS FULL OF SH@@T. THE ARE VERY RUDE AND ALL THEY DO IS TAKE YOUR MONEY BUT AS SOON YOU A CLAIM COME UP IN YOUR NAME AT FAUL OR NOT AT FAULT THEY DROP YOU LIKE A HOT POTATO AND THEY DON'T WANT NOTHING TO DO WITH YOU. LIKE YOU NEVER EXCITED. THEY ARE JUST MONEY HUNGRY.THEY ARE FOR THEM SELF NOT THE CUSTOMER.

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Rosemide Derifond
Boynton Beach, US
Sep 01, 2014 6:10 pm EDT

I was waiting on a traffic light and 1 of their insured hit me with full force from behind because she was not paying attention. Now almost 3months later I am still trying to get my car fix and have to come out of my own pocket to get a rental while my car is at the shop. This insurance company should not be in business, that is crazy

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REALLY REALLY REALLY PISSED OFF
New Port Richey, US
Aug 28, 2014 8:49 am EDT

My car was stolen, and recovered 2 months ago. It got smashed on the drivers side by the cops while trying to stop the thief. I called so many times left so many messages, no one called me back. I have done everything they asked me to do. I got a letter from Ocean Harbor on the 25th saying I had till the 28th to go get my car out of the place they were keeping it or I will have to pay the tow and storage fees. My car was not fixed and just yesterday I was told they are not fixing it. No reason why or nothing. I have a 2014 car with 2100 miles on it with a smashed in drivers side. What's the porpoise of having full coverage insurance? THIS IS THE WORST COMPANY EVER

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conquistador
Niles, US
Jun 25, 2014 9:03 am EDT

I would like to say that the adjusters there are some of the most incompetent, useless humans who collect a paycheck but they have such a long way to go to get THAT good, I have to wonder how these idiots sleep at night, one of the most useless incompetent adjusters is Dana Hernandez ext. 125, her so totally useless supervisor is Joe Celli ext. 170, never in my life have I ever had to deal with such imbeciles, I will be calling the BBB and filing a complaint, I will also be calling my senator, congressman, governer, and who ever else I can to get this company put out of business.

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greengrass53
Miami, US
May 15, 2014 4:28 pm EDT

Go to SUNBIZ.org, search by name Ocean Harbor Casualty, select the active name, you will see the names of the officers, one is here on Fisher Island, the others in NY: can write/call them! That may get their attention. I am having exactly the same problems, no responses after sending all the info. Their insured, who hit me while I was stopped at traffic signal, is not in the country. I have filed a complaint with the BBB for the South Fla area and sent an inquiry to Florida Dept of Insurance, asking how to file a complaint with the Insurance Commissioner against this company.

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Sheyrale
Homestead, US
Apr 09, 2014 12:17 pm EDT

I really don't understand why these people are still in business. My husbands van was parked and at 3AM their insured driver was driving under the influence of alcohol/drugs and ran into my husband's PARKED vehicle. We were not in town at the moment and the police ordered that the van be towed because they said it was clearly a total loss. The police took their insured driver to jail for DUI and property damage. Sounds like an open and shut case right? NOOOO they are giving my husband the run around. Herminia at ext 160 does not answer her phone, they refuse to handle the situation, no rental van/truck for my hubby, and they are not paying the storage fee. Now the towing company is threatening to sell his van which by the way is full of tools. I am so disgusted!

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Nikkaluvsron22
, US
Nov 30, 2013 4:39 pm EST

I need help I got into accident with a guy who is insured with them I send in everything they ask for I call every week bout my car to customer service and hermina ext.160 and she tells me they still waiting for their guy to send in his statement so what shall I do

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Helpmeplease93
Riviera Beach, US
Nov 26, 2013 12:27 am EST

I recently got into a car accident, causing property damage to a landscaping business and fracturing my clavicle. When i called to claim the accident, Ocean Harbor tells me that at this moment I'm not insured with them and that i can not claim the accident since my policy has expired, which in turn was brand new information. A few arguments later i find out that the renewal money i had sent in two months prior to the accident was late and they did not accept it for the new policy. My first response would have been an understanding sure, that can easily be dealt with, but it is two months later i sent in the renewal money, with no calls or statements, paper notes or even my money specifically back in my hands. During the stressful phone calls with the claims department, they argued saying they had sent the money back, but i had not received anything in the mail. So, i asked for the tracking number, tried to locate the lost money, and still nothing, basically telling me they have no idea where it was. Moments and more arguing go by and finally they put me on hold, come back and tell me, "ah yes we have it here, we will send it to you now." Which, helps my situation in almost no way possible since they still claimed me as an uninsured motorist and refused to claim the accident, but held my renewal money without my awareness for a longer period of time then it should have. Ocean harbor's only argument was that they mailed it to the address they have listed, but with my moving IN THE BEGINNING OF THAT YEAR, i had requested the post office to send all my mail to said location, and of course that is where i receive all mail sent, giving them no excuse for not properly mailing back my renewal money on time when apparently they should have had my new said address since that is where i send all my mail from. Nevertheless no other paper, document, or money form sent was "never found" or "misplaced" before, but all of a sudden my renewal money gets lost? This company and their rude customer service, inability to call, lack of attentiveness, and amazing ability to refuse people's claims but hold onto their money is simply disgusting and shameful.

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costservice
Bradenton, US
Nov 07, 2013 4:09 pm EST

10/10/13 was rear ended and have left 63 messages to supervisors ad claim adjuster. Customers service is rude. I was told my vehicle will get fixed when it gets fixed. I will soon have to pay storage on my car at the shop. This is the wost customer service I have ever experienced. my car lender is even calling them, and they cant get threw. They wont let you or give you a corporate executive to file a complaint with. what do you do at this point who do you complain to. I was told if I kept calling and complaining they would put off fixing my car. Im pissed.

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RS Claypoole
Palm Springs, US
Feb 14, 2013 11:43 am EST
Verified customer This comment was posted by a verified customer. Learn more

Ocean Harbor
Ocean Harbor is a joke. Whoever has issues please join me in getting individuals together to demand a full scale investigation into their business practices. Have already been dealing with the Governor's office, FL Dept of Insurance Regulation but the Consumer Hotline which is actually the Financial Services side of it but lets you think you are dealing with Insurance Regulation even though you are not. Can tell you so much if you call or email me. claypoolers@gmail.com or [protected] Already getting attorneys and doctors involved but would like the people like us involved - the innocent victims.

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Tona Gartrell
, US
Dec 19, 2016 11:12 am EST

Hi, My vehicle was involved in a incident on 12/16/16 and i am getting the run around with these people, they are also very rude and unprofessional. You can email me at tonag34@gmail.com.

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lewis steve francois
North Miami Beach, US
Oct 11, 2013 2:07 pm EDT

1801 NW 66th Ave Ste 100
Plantation, FL 33313
[protected]) 222-3077
this is there physical address im on my way down there now I have this claims agent name luis velez ext 197 never answers his phone. funny that my truck is at my own personal body shop and the body man said this company is the worse to deal with and said if it was another customer he would have not taken my truck to do the repairs so thank god im a good customer of his he was willing to go through with the repairs and deal with ocean for just this last time. called over 10 times and not one call to even discuss a rental car.

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RAY AUTO
Hollywood, US
May 31, 2013 11:12 am EDT

I AM DEALING WITH THE SAME THING FROM EVERY SINGLE COMPLAINT ON HERE. STAY ON HOLD FOR 15 MINUTES THEN GET HUNG UP ON, NEVER FAILS HAPPENS ALL TIME I CALL. NO ONE RETURNS CALLS, NOT MARIA LONG, JOE SHELLY, JOHN LAMEO, JEFF RILEY NOT A SINGLE PERSON RETURNS CALLS. SEND YOUR COMPLAINTS TO http://www.myfloridacfo.com/Division/Consumers/NeedOurHelp.htm SOMEONE THERE HAS TO HEAR ALL OF US. CALL THEM, WRITE THEM DO SOMETHING TO GET SOMEONE'S ATTENTION.

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Lilly Torres
, US
May 13, 2013 11:45 am EDT

Dealing with the same BS. Does anyone got any problem solved? So worry, my car is not even payed off and got total, no answer or call back. Is the a sue that can get them to pay for what thy own?

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Toney B
Plantation, US
Apr 30, 2013 10:48 pm EDT

Ocean Harbor sucks! Their insured smashed my car. The police report clearly stated it.And they are treating me like i cause it. Pearl Holdings(Ocean Harbor) needs to be removed from the face of the earth. The adjuster (Rafael Fernandez) they assigned me is a Lier. Everything they say is a lie. I'm reporting them the Insurance Commissioner as soon as possible... Pure BS

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Ocean Harbor Sucks
Plantation, US
Feb 20, 2013 9:13 am EST

If you are currently insured with Ocean Harbor Insurance/Pearl Holding Group, you better hope you don't get into an accident! They have no interest in providing you with coverage. They only want your money! It will take you months of litigation to get anything out of them. They will put up every obstacle and make it impossible for you to get your car repaired and your medical bills payed. These individuals should have their state insurance license investigated and or revoked. These people are nothing more than white collar criminals using state laws to rip you off! Beware of this company!

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shutitdown
key west, US
Jan 28, 2013 2:26 pm EST

i have been dealing with Pearl Holding Group since Dec 27 today is Jan 28 and i think i have called my assigned adjuster (hermi) ext 160 well over 100X documented i have left tons of messages and i have NEVER receivd a call back from her or her supervisor or anyone else. This company is the biggest piece of garbage EVER... i was hit by one of their drivers and have not received any information from this ins. They need to be shut down ASAP! i will contact the insurance commision and complain. Everyone else having the same problem needs to speak up this is very frustrating!

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brian.orlando
Orlando, US
Oct 23, 2012 7:52 am EDT

I got an estimate for my vehicle 4 weeks ago. I still have not heard anything back. I have called numerous of times leaving several voice mails. No return phone call, I spoke to a customer rep and they told me that they were waiting for their insured driver drivers info? They can not send out the check unless they get that info. IT IS THEIR DRIVER, THEY HAVE THE POLICE REPORT, THEY NEED INFO ON THEIR DRIVER? If she doesnt send in the info I will never get my check to fix my vehicle. This is total ###, they worse policy procedure.

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apfelt
Hollywood, US
Aug 21, 2012 11:15 am EDT

I also have had a horrible experience with this company! NEED A LAWYER TO FILE A CLASS ACTION SUIT AGAINST THIS COMPANY. DONOT BUY OCEAN HARBOR CAR INSURANCE THEY WILL FIND A WAY NOT TO PAY YOU. SOMEONE RAN A RED LIGHT TOTAL MY CAR .MY INSURANCE CO. IS SURPOSE TO PAY MY HOSPITAL BILL AND THEY KEEP FINDING EXCUSSES NOT TO PAY THEY SAID CAUSE I USED MY ELEMENT FOR WORK WELL I HAVE TO GET TO WORK. I GUESS YOU GET WHAT YOU PAY FOR AND IT'S A ### COMPANY ASK QUESTION WHEN YOU BUY YOUR CAR INSURANCE. DON'T SAY IT'S A PERSONAL CAR ALWAYS SAY I USE THE CAR FOR WORK. KEEP POSTING THIS TO HELP ANYONE BUYING FLORIDA CAR INSURANCE.Please file a complaint with the Florida Insurance Commissioner, the link is https://apps.fldfs.com/eservice/NewRequest.aspx.
The more complaints filed against insurance companies like this will hopefully stop their delay & stall tactics that they use.
I FILED MY COMPLAINT BUT THEY SAID THEY CAN'T MAKE THEM PAY BUT IF I DON'T PAY THEY TAKE MY LICENSE
FLORIDA LAW SUCKS . apfelt@bellsouth.net
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jay calderon
, US
Dec 04, 2017 1:32 pm EST
Replying to comment of apfelt

FYI... Hire an attorney!

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