SafeCo
reviews and complaints

My classic truck was hit by an uninsured driver Safeco wouldn't pay because the truck wasn't parked in a locked garage. Even though I had uninsured coverage they told me to pound sand.
They even added insult to it by having me pay an extra $500.00 to get it out of storage before the storage facility sold it at auction. We always keep all our paperwork especially from insurance companies because previous insurance companies have taught us that lesson. The adjuster sent us over one page #66 that said it was to be locked up at night not to be used as a back up vehicle etc etc. even our agent didn't know this So look elsewhere is all I can say.

Safeco has goofed around, changed claims reps and now this guy is telling me they don't have enough money to cover everyone's damages so I'll have to take a loss and wait months or file through my own insurance.
This is my first new car, the accident was not my fault. I hadn't had the car 30 days!
I was sitting at a light and a gentleman rear ended someone causing a 4 car pile up.
I had my kid with me, it was a peaceful Sunday going shopping which has turned into a awful head ache!
I just want my car fixed. There's no way they don't have enough money to cover our cars!

To whom it may concern,

Safeco promised to help me with my claim. I was assigned to Ashley Madsen a claims representative who immediately took a leave of absence. Everytime I try to call it redirects me to someone who cannot help me. I am here to file a complaint against her and safeco for allowing my case to fall through the cracks so-to-speak.

I have been on the phone for days now. On 12/10/2021 safeco said they would cancel the check that was being sent out because it would take 7-10 business days. The link they provided asked me to verify my billing address. Which is exactly the same as the mailing address. After inputting into the system multiple times and different ways it automatically redirected me to a screen that said " we're mailing your check " I do not consent to that, i do not authorize that. This was done without my approval and I need the money in my account now. Someone on a recorded line explained that they could cancel the check if they had the check number and help my on Saturday despot the money. It was om speaker phone so I have multiple witnesses to verify this. Again they lied.

Today on 12/11/2021 Mykysha from safeco transfered me to liberty mutual without my consent, as she told me she was just putting me on a brief hold to speak to the adjuster. This was a lie. She transfered me and the people at liberty mutual was very confused on why I was transfered in the first place.

Then I go over to the car rental place at enterprise at 1110 SW Grady Way Renton WA, 98057. The assistant manager named Alex Shey did not understand or try to help me in any way. He had all the information and even the reservation number. We explained that the car was bought and co-signed and the insurance is solely under my name. He did not work with me or my father, my father even took time to explain the situation and he did nothing to help us. I am between houses and I am trying to fix my current living situation, I needed this car for work and he directly prevented me from getting the help I needed because the addresses on file did not match? I am homeless and he didn't care. I told everyone in that room I was homeless because their is no privacy. Again, he failed to care or do anything to help me or my father.

The reason I'm writing this is to help prevent this sort of tragedy from happening to anyone else, ever again.

I dont blame people for their problems..but I do ask that they pay for them. I accept all forms of payment. Cash, check, gift cards. I am excited to see how Safeco and their representatives are going to make this up to me.

I am writing in reference to an incident that began August 9, 2021.

I was involved in a 4 vehicle accident- rear ended and pushed into another vehicle. I began the process of filing the claim with the insurance company of the at fault driver (Progressive). Shortly after the accident, everyone in the household contracted COVID, so it was sevreal weeks after the accident before I could bring it to be assessed. I was finally able to bring it in, and the preliminary review of the damage showed extensive damage. The Progressive rep I was working with called me to let me know that due to the extent of the damage on all 4 vehicles, the policy holders claim limits were exceeded, so I had to go through my own insurance company (Safeco). Within 30 minutes of receiving that call, I had a claim started with Safeco (claim number [protected]), as well as a detailed email sent to the Safeco rep I was assigned detailing why I was starting the claim, why I didn't have pictures or access to the vehicle, as well as the addresses, phone numbers, and email addresses of both the body shop the vehicle had been brought to (Service King) and the Progressive rep that had all the initial details.

From the beginning I had issues with the Safeco rep. He did not appear to read the emails, because when he called me he asked numreous questions that were answered in the email already. He repeatedly asked me for information about the at fault drivers policy limits, which he could have gotten directly from the Progressive rep, among other things. Even though I provided all the information for both the Progressive rep and Service King, including phone numbers and email addresses, and explained that I did not have possession of the vehicle and could not provide pictures, I got told repeatedly that they couldn't do anything until the car was brought to one of their preferred shops or I provided pictures. When I finally spoke with the Safeco rep that was assigned to my claim, he asked for pictures AGAIN, even though he admitted to having read my email AND Service King being one of their preferred shops.

I sent a request to my insurance broker at that point requesting new coverage because I felt that the situation was not being understood or handled properly, and she forwarded my information to the Safeco reps supervisor. She worked with me on getting things clarified and moving, and the process continued.

Nothing much happened after that until the vehicle was due to be done. Below is a timeline of my communication with Service King and Safeco. (My issue with how Service King handled the situation is another story, but I am including it so it is understood how things came to happen when they did.)

Timeline:

September 15- I initially brought the car in to Service King
September 17- I was notified that there was the claim limit issue, and filed the claim with Safeco on the same day.
September 21- Text from Service King stating they were "working on the repair plan"
September 23- Text from Service King stating estimated completion date 10/26
September 27, 29 October 8, 11, 18- update texts from Service King stating it was still on track to be done on the 26
October 25- I called Service King asking to verify if the vehicle would still be done the next day- I was only told they were waiting on parts
November 2- I finally got ahold of someone at Service King who gave me an update- per Tim at Service King, the parts they need are structural and the vehicle can not be repaired without the new parts, nor can they put the old parts back in. They have called every dealership in the country and no one has the needed parts. The vehicle repair is on hold indefinitely.

November 2, part 2- I emailed my Safeco rep, explaining what the Service King mechanic told me. I asked what could be done and what steps could be taken since the wait changed from a set date to indefinite. My policy includes $35 a day towards a rental car with a max of $1050 (30 days). I explained I was not comfortable with that for a variety of reasons, and I do not find it acceptable to be in a rental indefinitely. I was completely blown off. Both the rep and his supervisor made it clear that the rental car was all they would do since that's all the policy says. No consideration was made for the unusual and extenuating circumstances surrounding this already drawn out situation.

My top choice for outcome would be to have the vehicle totalled out. They are unable to fix the vehicle since they are unable to get the part and do not know when they will be able to get it. I am unable to use or access my vehicle. A very distant second choice would be to have a prorated refund from the time I brought my car to Service King and it was rendered undriveable.

I want to report Safeco agent, Jason Motis for lying, directly and indirectly, about Safeco policy options about car and house insurance.

-- Jason automatically put us on Safeco Premier home policy -- never showed us that there are other options, like the Essential Plan which covers basics.

-- When I complained that we did not have $200, 000. worth of stuff in the house (this is part of the Premier Plan), he said there were no other options. Directly lying. Since there were other plans, like the Essential.

-- The way I even found out about the fact that there were a number of home policies was by calling Safeco. The person said the agent should show you a chart of options -- we were never shown any chart or given any options.

-- Once I changed insurance agents, and we methodically went through our house and auto policies, I finally became aware of all the options that we had that Jason never gave us.

-- About the auto policy. I called Safeco (when Safeco was still accepting calls from insurers directly), and discovered 2 discounts we were not getting -- something Jason should have told us about instead of repeatedly saying, "you have all the discounts available, " regularly.

-- At about the same time Jason was out of town and his assistant handle my question and, once again, I called Safeco and found out we had options and discounts she did not tell us about.

Overall we were lied to and paying for all sorts of things we neither had nor needed.

In addition to this was Jason's attitude. Basically, he acted put upon about any requests, like we were bothering him, taking up his time. His main aim is to give you as little time as possible. And much of the time when I called his office, he was on vacation.

The rear glass and one passenger side window was shattered by a guy randomly shooting a gun. It's an older car and the rear window has been discontinued. I have called other glass companies and no one can get this glass. When I call Safeco they either connect me again with Safelite or the call drops when they say they are connecting me with customer service or policy manager, etc.
I am tired of being on the phone with them in the circular system they have on the phone. Or writing an email that is never answered. It's impossible to get anyone who can answer my basic question: What does Safeco do when the repairs can't be completed? Do they pay anything, total the car, what?
I would like them to tell me and do something about this. The car can't be used with a shattered rear window that is shedding big chunks of glass.
This happened in July and the claim was refiled again in September because they couldn't find the first claim when I called. I'm sick of trying with them.

My neighbors VERY poorly maintained tree caused major damage to both of my vehicles and my home. I contacted Safeco and the agent REFUSED to even send an adjuster out to, at the very least, inspect the severity of the neglect with the tree. However, the person i spoke with (I have all of her information) just kept repeating herself that this was an "act of god". Which, if the tree was maintained IN ANY WAY, I would be inclined to agree. But this would not have happened if my neighbor, their customer, was taking care of her property. I will not take a disrespectful "blow off" for an answer. We are out thousands of dollars because of Safeco's customers negligence. I would like to know how that does not warrant AT LEAST sending out an adjuster?

Our daughter was in an accident with a Safeco policyholder. Safeco accepted responsibility and her vehicle was totaled. They paid for a rental for her and gave us, what I considered, a fair price offer for her car. However, they stopped paying for her rental before she got payment for her car. Getting the check, however, has been a huge issue. We were able to loan her money to buy a new car. If not, she would STILL be without a car. We have been waiting 2 months to receive a check. This is unacceptable. The only method of payment is a check sent by USPS with no way to track it. They are also unable to send it certified or overnight. They say that it is because of covid and are working from home. They also use a 3rd party to process payments. They have SUPPOSEDLY mailed us three checks. None of them have ever been received. According to them, the only thing they can do is cancel payment and reissue the check. If the first three checks never arrived, why do they think the fourth will?

Our insurance company, Safeco, is denying our covered comprehensive automobile insurance claim because they have determined that it should be a collision claim, for which we do not have coverage.

On July 24, 2021, at about 9 pm in dusk, dry, and clear conditions, our son, George, with our permission, drove our covered vehicle down the mountain on Hwy 9/Big Basin Way in Saratoga, CA. The rocky mountainside was on the right hand side. Traffic was light as other vehicles travelled in his lane in front of him.

During the descent, George noticed a plume of dust and then a rock fall from a rockslide and then he heard a thud hit the vehicle. His car lost drive and he glided down to the safest pull out about 100 yards. He noticed a crack in his front bumper and a stream of fluid from beneath and behind his car. He followed the stream of fluid back up to the point of the thud and saw a pile of rocks on the side of the road that had fallen, along with crushed debris on the road.

He waited two hours for a tow truck and finally flagged one down. AAA towed the vehicle to the residence in Campbell, CA. On July 25, George called Safeco and he was instructed that they would tow the car to Caliber Collision in Campbell, CA. Safeco required and authorized the inspection of the vehicle. Caliber had to tow the vehicle again to a mechanic specialist, also approved by insurance. After 3 weeks, George received an estimate for $24, 000 of damages and the car would likely be totaled. George disputed this overinflated and overpriced estimate with Caliber and with Safeco. We called Karissa, the agent in charge of our claim, to let her know that we disagreed with the estimate and wanted to take the car to another shop for a 2nd opinion. Instead of calling us back, she referred us to Dillon Kersey in the Fraud Investigation Department. Dillon called us on July 15, 2021 and stated that he was referred to the case because the claim "looked like a collision" not a comprehensive claim and we did not have collision. He interviewed George and took our statements on July 15, 2021 and indicated that he found no evidence or suspicion of fraud. We asked about taking our vehicle to another shop for a second opinion and he suggested that, if it were him, he would "wait 24-48 hours to let the claim finalize before retrieving the car from Caliber".

We waited a week and left messages with Karissa and we never heard back from her. Finally, after multiple voice mails, Karissa left a voice mail on July 22 and then a chain of emails ensued between Karissa and angela. Karissa reported that the claim would be denied because she determined this to be a collision and since we don't have collision coverage, she would deny the whole claim and would not even cover the tows and fees. The denial letter sent by email stated to contact Karissa with any other information that may change the determination. We sent our rebuttal to her. She replied by email that the decision is final and she would not change it or consider any rebuttal. We asked for her manager. She emailed that her manager, Michelle, is out of the office until July 26. We asked for the covering manager in Michelle's absence and did not hear back. We asked for our claim file reports and Karissa said she could not forward them. Specifically, we asked for Dillon Kersey's reports, Karissa's reports, the Caliber Collision report and any other reports ordered and completed with regard to this claim, both known and unknown to us.

On 7/29/21, this email was sent to the adjuster

Karissa,

I was clear in my July 23rd 10:35 am reply to your 9:22 am email where to send the payment where I wrote in the first paragraph, "We had to pay Caliber $507.28 for these fees before they would release the vehicle to us yesterday. See receipt attached. Please mail refund to Angela Anagnos 94 Amato Ave, Campbell, CA 95008". You have admitted that you mailed it to the Indiana address despite my alternate request. This will cause additional hardship and delays.

The vehicles are correctly garaged and registered. If you were familiar with us as Safeco clients for appx 25-30 years, you would be familiar with our policies for more than one residence and multiple other rental properties and several vehicles appropriately garaged and registered at their respective residences. However, since this vehicle remains damaged while visiting here in California, we are unable to return to Indiana until it is repaired. Therefore, the payment was requested to be sent to where we are now, which is in California, since we can't return to Indiana until the vehicle is repaired. Does that make sense?

We continue to request a clear scientific explanation of why you assert this was a collision event. The denial is based on the following single sentence statement "The points of impact indicate that the rock/boulder was run over, not that it fell on the vehicle." There is no explanation as to why you have concluded that. But, we never asserted that a rock "fell on" the car? We assert that it fell from the rock slide and moved into the path of the car. Perhaps that is your confusion.

We assert that this remains a collision event of a moving object, entering the path of our car while on the roadway, a kin to an animal entering the roadway unexpectedly, and getting into the path of the car. In this case, the moving, rolling rock entered into the roadway at the time of impact with our vehicle, cracking the front bumper, breaking up and pulled under the car, causing damage. The analogy to an animal is the best one. It is clear that the rock (substitute animal) was moving to get into the path of our vehicle because if it was stationary and in the road, then the car in front of our vehicle would have hit the rock first and spared ours. Instead, perhaps from the turbulence of the car before ours, or perhaps from an animal on the side, the rocks moved as evidenced from a plume of dust, at least one rock fell, at least one rock rolled and moved in front of our vehicle in the roadway, in our path with inertia from the slope of the road and hit our car, as our car was traveling on the road in our lane, as if our car hit an animal. In fact, the initial thud was felt to possibly be an animal, like a possum or other animal. We did not know what hit our vehicle until we stopped and looked at the scene. What caused the rock to roll into the roadway is hypothetical, but the fact that it was well into the lane and path of the vehicle indicates, in and of itself, that the rock had moved there because the other vehicles in front or ours would have hit the rock first if it was stationary there. Since the rock (substitute animal for analogy) moved into the path of the car, any damages to the car associated with that impact are related to the initial impact. There is the initial damage that cracked the front bumper, then the consequential damage to the undercarriage.

Your denial letter states on page 2 "If you have any information you believe may impact our coverage position, please bring it to our immediate attention, so we may assess whether such information or pleading impacts our coverage position or obligations."

I have done that on July 22 and 23rd and you replied you are not going to look at any rebuttal statements despite the invitation to bring them to your attention. I have included the above "pleading" for your review since we do not claim that the rock "fell on the car". We assert that the rock moved into the path of the car and explain the scenario on how and why that occurred. The impact to the front bumper is consistent with this, and the damage to the undercarriage is consistent with remnants of a rock that had rolled onto the road with inertial due to the slope of the road and were carried under the vehicle, just as an animal might be.

Again, we completely disagree with Caliber Collision's high estimate for repairs. Even their "adjusted" estimate is excessive. We want to bring that concern to your attention since they are a preferred auto repair shop for Safeco.

Karissa replied,

Hello,
My manager and I have been verify clear about our findings and decisions regarding this claim, as well as the denial. We are not going to continue arguing regarding this decision.

I called Martins (wanda evans) to get a policy service and was threatened and cursed by this agent then hung up on. She wrote the policy incorrectly and told me that I could no longer have insurance with safeco...which was not what safeco said but i am confused as to how or why this agent behaved hostile towards me and I would appreciate an apology.

We have several policies with Safeco insurance including Auto, our personal home, rental properties and umbrella policy. I have called on our auto policy and Safeco's rep said that they would get back in 24 hours which they never did. After making at least 20 calls and talking to 30 people I found out on the last call that our auto policy did not cover collision. Why they didn't know this on the first call is beyond me, seems like a simple answer by looking at the information on the policy. Makes me believe that were putting our financial security in the wrong hands. If they can't answer a simple question like this what would happen if something catastrophic were to happen. Now we are considering canceling and going with a another carrier. Maybe Safeco should invest more money in the training of their employees rather than investing in the stupid commercials that they're running on TV.

I have been calling and emailing Safeco for 4 months to cancel a policy. I cannot get a real human on the phone. I am constantly transferred and hung up on. I do not own the vehicles on my policy anymore. I moved and when I tried to transfer to a new agent, I got put in a Direct Access black hole. I cannot talk to anyone because I am not an agent. I have called repeatedly every phone number I can find and I am still paying for insurance on vehicles I don't own. I will close my bank account to stop the automatic withdrawals. This has been a nightmare.

Claim # [protected]-01: Matt Stargell was the claim representative. I find it rather curious...that he is no longer with the company since my complaint. Matt DID NOT respond when I had a question about my claim. Supervisor Anthony Burke got involved & send me a very NASTY email telling me my vandalism claim was overly generous ...& actually, I would have to pay a deductible for each individual hole in the walls! The property sustained over $40k in vandalism from the tenants. Some work done would not fall under the vandalism HOWEVER...several damages that were NOT paid...were justified by ...well...we weren't there so we don't know for sure what the 'intent' was. It was ...crystal clear...the home was vandalized. In the spirit of the assessment, & any ordinary person viewing such, would conclude the ...'intent' behind the damages. I feel that the claim was rather lean. I was only asking for ..ONE...item to be covered ...that was excluded on the aforementioned basis. Several pictures & videos were supplied to agent. Police reports were made including officers present on property within the prior year, who found the property undamaged.

Over the last 2 months I had cancelled the insurance with Safeco for my motorcycle. They've informed that I would've be reimbursed once I confirmed the insurance cancellation. I've done everything right and Safeco keeps saying they will send me the reimbursement check by mail, which I never got. Everytime Safeco says they will send a new check and it just never happens. I've given them the solution - why they don't simply make a wire or bank deposit? Safeco have refused to do that.
I completly lost any trust on this insurance company and I will make sure to let other knows about it. Be careful, they may do the same to you. I just want to get my reimbursement check of more the $400 dollars. All the excuses are beyond ridiculous.

They jacked my rates. I called and took higher deductibles to lower my cost. The agent has notes she took and a recorded call but she never did the actual paperwork. I found insurance cheaper and called one day after paying and asked if I would get refunded should I cancel and go with another insurance company. They said yes, so I paid a premium with another company. When I got the refund it was half of what I paid. Turns out the agent never completed the paperwork that she took notes to do...I lost money because of that. And because I cancelled they blew it off. I am a senior citizen on a fixed income. I would have waited another month and changed then if they were honest. They kept telling me the refund check would be in the bank by a certain day. The day came and went. I called and they said they decided that because I cancelled the lower price I was quoted didn't need to be honored and therefore kept the money I was supposed to be saving. As I mentioned I am a senior citizen. They were charging me $75 a month for liability. 26 years without an accident or traffic violation and I drive less than 5000 miles a year.

I purchased a homeowners policy for $2200 a year in Wyoming and I started renting it out not knowing I need a different policy that was only $900 a year. My house burned down and they denied any kind of claim. They found a loop hole to not pay even tho the policy I should have had was less than half the cost. Zero payment for anything not even a refund for the worthless policy.

I was recently denied a claim to my RV trailer based on the information received from their "independent" estimator. The estimator never arranged a timeframe for me to meet with them and after contacting their company (Liberty Mutual) they stated that they couldn't disclose any of their information and that I would have to discuss directly with my Claim agent. I left multiple phone messages without a callback so I contacted my Insurance Agent and he escalated to her Manager. I received an email days later stating that they were still reviewing my claim. In the meantime, the RV company that I had taken it to for an estimate called me and stated that Safeco had dispatched a local salvage company to come and pick up the trailer! Cannot believe the irresponsibility of this company.
I have finally retrieved my RV and am working with my Agent to drop Safeco immediately and receive a refund of my money.
They will never get another penny of mine and I will continually warn my network of family & friends regarding the poor quality of service & insurance that Safeco provides.

This company lies and committed fraud! I was with them for almost a year, always paid extra, always paid on time. My bill was only $95.00 a month. My bf (now husband) moved in with me. His insurance cost a LOT. I told him I only paid $95.00 and said he should be on my policy. I called Safeco to get a quote. They told me my bill would only be $135.00 a month.

They also told me I had an account credit for paying early and paying extra every month. They told me my bill would be covered for a month, I wouldn't have to pay until 2 months later. When I paid my bill would only be $135.00 . Okay cool.

NOT EVEN A MONTH LATER probably 2 weeks later I get a bill in the mail. THIS BILL IS FOR OVER 1, 000.00 I BELIEVE IT WAS AROUND 1, 250.00! I WAS IN SHOCK. I called them and said it was all a mistake. I wanted to pay for my policy monthly not all at once, it's only supposed to cost $135.00 . They told me there was no mistake. That total was for one month! I argued back and fourth that I dont want my policy any more, they lied about how much it cost.

Who would pay 1, 200.00 a month for just liability insurance? This wasn't even full coverage! My insurance was $95.00 a month. My boyfriend was on his family's policy, he had full coverage and was paying $175.00 per month. How does that equal out to liability costing $1200.00. I asked them that over and over! They hung up on me and refused to cancel until I had new proof of coverage. I got new insurance within 30 minutes, called them back, and I canceled it. My bill wasn't even due yet.

I now have a collections report on my credit history from them for this bill. Who in the right mind would pay over 1, 000.00 a month on a 1992 Camry, and a 2004 Toyota matrix, both paid off, JUST LIABILITY?

They wont remove this off my report and I am never paying. They lowered my total to $950.00 or a little more. I will never pay that for 2 weeks of insurance I shouldnt owe, and was lied to about. DO NOT USE SAFECO.

I now have a 2017 Jetta leased, and 2014 camaro financed, I pay $230.00 a month full coverage, both me and my husband. NOT WITH SAFECO.

I was hit by a drunk driver insured by Safeco on March 22, 2019. Safeco has been horrible to deal with. I would never buy insurance from them or tell anyone to do so. Their rep handling my claim treated me like I was the drunk driver. She was rude and threatened me on one call we had even after she was instructed not to call me and was told to talk with my lawyer.

All in all so far it has been very bad. I don't expect it to change and they do not want to pay any claims. We will see how it shoes out but I am ready to go all the way and go to trial if I must