Western General Insurance Company
reviews and complaints

I cancelled the policy after several months of them adding fees and changing the monthly amount on a six month policy. After the last month was paid they charged my visa card for another month without my permission. A fraud claim was opened with my bank. After the investigation my money was returned to me and a block was placed against western general from continually trying to charge my account for a policy that was terminated. The next thing they did was report it to the credit bureaus which was disputed in 2020 and was removed from my credit report as fraud. Now it is march 2021 and they have sold it to another collection company who is trying to collect the same charge they were found guilty of by the bank. Also they have added a person to the case who was never on the policy nor ever insured as a driver on the policy. I was the sole insured. Now how they have obtained his name is either from my phone number that he pays for or his current policy with another insurance company I am insured as a driver currently. Western general is a corrupt company who cheats you, tries to claim money on disputed charges they were found to be fraudulent and now calls and harrases you and even went as far as threatening me after it was explained the policy was cancelled, and they were found fraudulent charges after policy was terminated by a bank and credit report ing agency.

Claim Adjuster of Western car Insurance was very abusive, he kept calling and leave voice mail, email, and mail to his customer although the customer already answer what the insurance required to provide the personal information because there was collision occurred. But the Western General Insurance provided claim adjuster who have been kept postponing the claim and suddenly come with new claim adjuster and asking another information from customer. This is an abusive company. The case of coverage has been going on for 6 months and there was no responsibility to repair the car, but instead kept asking information again and again. The claim adjuster was very abusive.

On April 21st, 2019, my car was hit (rear ended) by a WG policy holder who happens to be my neighbor. I contact the following day, which was a Monday. They submitted my claim, however they refused to move forward with having it inspected until they spoke with the policy holder and they would only first reach out to him by mail. So I asked my neighbor to contact them by phone so it would not prolong the process. After this, it took a week for them to get the appraiser to my car. The appt. was for 2PM and I took off of work early plus I live in a city 25 miles away from my house to meet him. He did not arrive until 3:30PM and refused to answer my calls while waiting for him. When he arrived he was taking pictures of the hood of my car, the sides of my vehicle, the roof of my car, even on the inside of my vehicle (did not understand this). He was literally only there for 5 mins. Once he completed the inspection he told me that he was finished. I was concerned because he never took pictures of the actual damages to the back of my vehicle. I asked him why he was taking photos of the roof of my car and he stated that my claim was for hail damage. I asked him to make sure that he had the right claim. His response is that he could take off the hail damage, as to submit a fraud claim. I told him to make sure he got the damage where I was hit. I waited 48 hours and contacted WG. They stated they had not received the inspection report and to wait another 48 hours. Two weeks later they still had not received the inspection report. They escalated my claim to dispatch and management because this had never happened before with the inspection report taking so long. Called on May 9th and was informed that it was finally received and they were solving my claim with $230. This amount is not enough to cover the light replacement and cover, let alone the damage to my bumper. I have been trying to appeal and now no one will call me back. Everyone is always so constantly rude who works there. They are always so quick to get you off the phone when you have waited 30 minutes to speak with them. I would like to appeal my claim and have a new inspector come out and inspect my vehicle who knows why they are there. There is no way they got the correct and accurate pictures when the inspector did not know what he was looking for to begin with.

I'm a disabled woman. At the end of May of 2018 my finance company added western general to my account. On the 4th of July my car was totalled western general did not come appraise it til almost a month later. My car was towed from scene. I had no place to park it. I've been in contact with Joselyn for the last week saying she s waiting for report today I talked to Joselyn she said I needed to contact my finance company. I talked to them they referred me back to insurance stating that I was only getting 280 toward my car. I called Elizabeth and left a message she returned my car telling me they were applying 500 and then said she couldn't talk to me because it was a repo claim but continued to ask me questions. Then said I'm not getting nothing back. I was never given policy info or nothing. I was advised that there was 2 car seats in the car and that they should pay me for them as I can't used them. This insurance company is unprofessional and I am disabled they are discriminating against me won't explain nothing. Joselyn said the same damage that happened in November 2017 is the same. There was a police report and definitely not I can't even drive this vehicle. Please contact me a.s.a.p

Doesn't really covers anything!
3/1/17 Took my car in to fix the sliding door that was closing and opening on it's own. Parts cost $360. Even though it is a "comprehensive" warranty a part that was necessary for the operation of the car was not covered. Their explanation was that what ever is not written as covered in the contract is NOT. So be aware when you buy an extended warranty from them to read the contract. What ever isn't specifically written that is covered (which is not much) they will give any excuse possible to try to get out of paying for.
The excellent service department at Honda of TO gave me a discount, because they couldn't even understand why the part wasn't covered.

A week ago I took my truck in to an Autonation Ford dealership to get an oil change and because I noticed that my engine light came on the night before. When the service tech turned the truck on to move it he claimed to hear a "weird noise" coming from the engine. The problem was that the valve cover had cracked. Assuming that my 2000 dollar warranty was going to cover my whole engine I was very surprised to hear that I owe 900 dollars to ford. The warranty company called "Protective" through which Western General operates, has the wording "Engine: all internally lubricated parts contained within the engine block, cylinder heads or rotary engine housing; oil pump; timing belt; or chain, timing gears and timing tensioners; water pump; engine block, cylinder barrels, engine head, rotor housing (if damaged by an internally lubricated part). Now, when I bought the truck this was the only warranty they would offer me because the truck had 140, 000 miles on it. So I called ford back and asked what the problem with the warranty was. They said that the company would not discuss anything with them, assuming I'd just go away and fork out the cash. So I called the warranty company and sure enough they say that the valve cover isn't an "internally lubricated part" and that they will not cover it or the belts for the engine because they aren't internal. My contract says the word "Engine" on it. I guess That doesn't include the whole engine although the problem occurred because of an internal problem. Pretty disappointed in the fact that I gave them 2000 dollars to "protect" me but now I know to never use them again and to watch out for tricky and sneaky wording, although I was told that my engine was covered. I am also disappointed in Ford for giving me that company as the only warranty I could purchase. The only advice I can give is DO NOT USE THIS COMPANY because they aren't interested in helping you, but they are interested in your money.

One of their clients made a right hand turn into my left lane and smashed into my right front passenger door...I called and filed a claim with his insurance company (Western General) right away since he was at fault. Didn't hear from anybody until I had to call back again, then was asigned an insurance adjuster i called her to check the status on my claim she then notified me that "they have been trying to get a hold of the guy who hit me, his phone number is no longer in service, so they will need to then contact him by mail." Great now it's going to take even longer to get the damages on my car fixed . Now here we are 3 months later and my car still hasn't been fixed I called the insurance adjuster yesterday 1-6-15 and they still haven't heard from him...and I was told they cannot move forward with my claim until he responds. I have been nothing but cooperative them. Why should I have to be going through this? isn't that what the idiot is paying you for? Can't believe this guy is out there driving getting into accidents and western general will not fix the damage he caused. Obviously he's not responding and hiding for a reason. Western General also stated I would need to go through my insurance to get my car fixed if the guy doesn't respond. I already tried going through my insurance but they told me i need to go through his since he was at fault. I am so unhappy with the way Western General handle things they are so unprofessional! Thanks western general for doing absolutley nothing! What a way to start the new year!

Do not ever buy an extended automobile warranty for a used vehicle from this company. All of their agreements are written so that it would take an act of God to receive payment from them. They require so much information, drag you along in the process and build up a bill of analysis by the auto mechanic, that they eventually reject, saying they do not insure that in the vehicle. Buyer beware, we learned!

SCAM! SCAM! SCAM!

This extended warranty company is a scam. They do not tell you that there rental reimbursement is based on how many flag hours it takes to fix your vehicle, not by the day! They also do not provide you a list of covered parts, just an overview. Then they deny parts that a dealership may call one thing and the insurance calls it something else, but it's the same part!

Had I done my research before, I would never had paid $2300 for this so call extended warranty. Customer service blows you off when you try to cancel as well. There have been multiple complaints with the BBB and otr forums such as this.

Would never use them again and plan on writing their main offices - not that it will do much.

I bought a Western General Warranty on a 2001 BMW 525i. Warranty is good for 3 years or 36 months, whichever occurs first. I bought the Mileage Plus contract/Level II, which was billed as the "bumper-to-bumper" warranty by the BMW dealership that I bought the car from and touted the warranty. I've never used the warranty. The three years is about up. I took the car in for its 100, 000 mile major maintenance, and the shop found a problem with the thermostat housing, which is part of the engine - let me think - it's in the engine compartment. But, when Western General was called by the shop, they said it wasn't a covered part. I called to complain myself, and they quickly dispatched me by saying it was not a covered part. Worthless warranty that I wasted $2, 000 on, for absolutely nothing. The first time I inquire - and, of course, it's not covered. I am going to recommend to all my friends to never buy a warranty from Western General.

My daughter purchased a GMC Yukon and was sold a service agreement by Western General. However, though it was in her contract she was not aware of the extent of the agreement. We had a repair done that would have been covered by the agreement. We paid for it. Later, I examined her contract and found the agreement.

I called Western General to explain. The said we needed prior authorization, which was true. Yet, I explained this was a "covered" repair and further explained our not being aware there was an agreement. They would not even hear us.

Certainly they have the legal right to refuse payment. It just seems to us that they could have at least examined the repair descripti0n and bill. When my wife called, the customer service man would even respond to her questions. He was totally silent! Some service!

Carman Ruggeri

I purchased a 2002 BMW 330xi two weeks ago from APPLE BMW of York. I also purchased the Western General extended warranty for 2.2k. The materials had a picture of a car and examples of prices for things covered under the warranty. One of the items was a fuel pump with the example price of $450. (Important later). So, I took my car into the dealership for service because something was wrong with the fuel gauge. I received a call from the dealership that the fuel sending units were bad and needed replaced. So, they called Western General to get approval. I get a call from the dealership that they denied the claim because that 'part' was not covered. Yet, this 'part' is in the fuel pump, and in order to fix this part, the fuel pump needs replaced. I called Western General myself to see if i could get someone to explain this. I had Jerry on the phone from Western General. He was so uninformative and unhelpful that it took everything in me to not hang up the phone. He explained that because that 'part' was not listed on the contract, that they do not have to pay for it. Anyone with some basic awareness would know that almost everything has 'parts' to it. That by adding the 'parts', you get a whole. If a fuel pump is covered, and any one of the parts of the fuel pump goes, Western General says too bad for you, its not covered. Jerry repeated this to me, "fuel pumps are covered, the parts are not." So i am stuck with this worthless 2k Warranty that covers nothing from Western General. Please take my advice, and DO NOT BUY ANYTHING RELATED TO WESTERN GENERAL. DO NOT MAKE THE 2k MISTAKE I MADE. DO NOT BUY WESTERN GENERAL EXTENDED WARRANTY.