Titan Insurance
reviews and complaints

There are always 2 sides to every story/complaint and I feel if you are going to make an inforrmed decision whether to do business with a company you should at the very least have ALL the facts.

A lot of what the person above is saying is true but there are a few things they have left out and hopefully by mistake...

This person did write auto and home insurance with Farm Bureau of Michigan on 10/04/2011. The drivers license forr the first driver was spotless but the second driver had a number of recent issues. This isn't where the problems were and all this inforrmation was known by all parties upfront. The issue came into play when the client answered the eligibility questions...question number 7 asks specifically about accidents in the last 36 months to which the client said there were none and signed their initials confirming the answer was correct. Once the application was signed and the electronic withdrawal was all set up the client left happy. On 10/27/2011 the policy completed the underwriting process which turned up multiple unreported accidents forr driver 1(also happened to be the same driver who answered the questions and initialed the paperwork) which made the client ineligible forr the Farm Bureau standard market. The client was immediately called and told there was a problem but we had forund another company that would accept their less than perfect accident records. The client agreed to go with the new carrier Titan Indemnity Company on 11/03/2011. A down payment was needed of $675.80 and the client agreed to pay and said "have it all ready forr me to sign when I get there". The client agreed knowing that the money was going to be withdrawn from their checking account and provided us with the account numbers so we could process the paperwork and have it ready forr a signature. This was all done at 10:33 AM according the the down payment receipt. The client later called saying they had forund another company that was less premium and they wanted to cancel the Titan policy. We promptly faxed the cancellation forrm to her and she returned it to our office at 1:38 PM according to the fax phone and time stamp at the top of the page. By this time Titan had already started the draw on her account and it could not be stopped as it was already sent electronically to the bank. On 11/04/2011 the client came into the office to cancel the Farm Bureau policies early as she was given until 11/29/2011 to find other coverage. On 11/09/2011 $426.73 was electronically withdrawn from the clients account forr the Farm Bureau policies she had canceled on 11/04/2011. It was unforrtunate that the money was taken from her account but there was no way to stop it as the requests are sent to the banks about a week in advance. This is the reason clients are told it takes 30 days to stop an electronic withdrawal. The amount of $264.71 was returned to the client in the forrm of a check and the balance of the draw was used to pay earned premiums to the company.

This all started with a client being less than truthful on the application and could have been avoided by being honest with the agent right from the beginning. We will never know if she was being deceitful by not disclosing the accidents or if they just simply were forrgotten about. My impression of the clients is that they were both very nice and friendly people when they sat in front of my desk to write their original Farm Bureau policies. I'm sure their complaint above was written without even thinking about what they could have done to prevent these issues and that is why there is always at least 2 sides to every story. I would be curious to see the documents the client claims to have as proof because I don't recall them asking forr copies and I have the originals. The only documents they could have would be the withdrawal from their account and I don't dispute the money was withdrawn from their account. I only dispute the pretense for which she claims the draws were made under.

THIS IS ADDRESSED TO TITAN UP AUTO INSURANCE AND CREDIT COLLECTION SERVICE.

I JOSEPH ADAM STENSON D.B.A STENSON'S LABOR AM DULLY ASKING YOU TO START THE COURT PROCEEDINGS AGAINST ME.

I WANT TO SHOW THE PEOPLE OF THE UNITED STATED HOW BAD YOU f*** WITH PEOPLE CANCEL THERE POLICIES WITHOUT THERE PERMISSION AND OR KNOWLEDGE, AND WHEN I GO AND GET SICK AND TIRED OF YOUR ###.

THIS IS AN EXAMPLE... I GO AND PURCHASE INSURANCE AND PAY IN ADVANCE MY MONEY. I GET A REFUND OF 15 DOLLARS AND 88 CENTS. WHICH IN MY OPINION WE ARE EVEN ON ALL SIDES.

NOW I AM GETTING COLLECTION NOTICES.

i AM PUTTING YOU ON NOTICE YOU NEED TO START COURT PROCEEDINGS

Your experience with Titan insurance is the same with what happened to my daughter in San Diego. I'm hiring an attorney to mitigate my claim. This insurance is not proactive in answering phone calls and closing open claims for the victim of the accident. My daughter was injured and her car was total wrecked. The insured Titan car was at fault because it hit my daughter's car at the back and subsequently hit another car in front. This Titan insurance should close their business. There's no way this insurance operates like they are not human beings.

I recived a notice from a collection agent stating I owe TITAN money yet my bank statement shows they where payed in full it is disappointing to think companies can act this way towards the people that pay their wages. I am also removeing my motorcycle from their policies I would rather pay more than put up with this kind of customer disrespect

They are ###s, I worked for them for 2. 5 years and they treat their good employees like ###, while the troublemakers are praised and kept. I was fired because I blew the whistle on the office bullies...Nice group, huh...My advice take any other insurance offered to you, do not write any business with Titan, don't even let them put you through another company they may write through, because they will still treat you like ###. They don't want to do any followup or customer service, they simply want your money and for you to keep your mouth shut. They are the worst corporate company in America...

I have this insurance company too and the customer service is beyond horrible, I called my agent and left him numerous messages for a quote and nothing...Just yesterday I received a letter in the mail stating that i owe them $114 since my last payment was 2/5/09 when it was actually on the 18th ! they are trying to screw me for overdue fees and other things I dont recommend it to anyone im cancelling my policy with them asap. p.s. The other guy is right my agent knew that i hadnt had prior insurance with anyone else and he didnt disclose that you pay 10% of your remaining premium.Instead he lied to me and said if I cancel with them I will have to pay everything in full.They're ###ed.

I agree that this company can be shady. They dont disclose the fact that if you attempt to go with another insurance company, they charge a early closure fee of 10 percent of the premium. Stupid.

titan auto insurance sucks because of dishonest agents they will lie to help you get cheaper insuance then if something happens who says they will pay ...i did not buy titan auto insurance