Complaint Review:
Robert Moreno Insurance Services
"YOU GET WHAT YOU PAY FOR".... That's a typical quote you hear..
NOT IN THIS CASE! Yes, I paid a decent price... lower than my old insurance company, GEICO. Yes they gave me the same "COVERAGE", Yes.... They did take my money each month.
now lets get into some FINE PRINT DETAILS:
1. "COVERAGE" means you purchase COVERAGE and you're COVERED!... right? NO NOT RIGHT, NOT WITH ROBERT MORENO! THESE GUYS ARE A JOKE! RMIS TAKE ADVANTAGE OF ALL THEIR CUSTOEMRS! EVERYONE SAYS IT! I got into an accident 7 months ago and they STILL havent paid me. They agreed they are supposed to pay me $7,000 but where is it? OH TATS RIGHT... I can't get in touch with anyone at their company to even ask. They take your money VERY QUICKLY yet they cant pay out a claim or return a phone call?
2. They disrespected me SO MUCH.. They called me names and at a few points EVEN LAUGHED at me when I said I am waiting for a check. They told me as follows, "Sir, (haha) your check is being processed and you should be receiving it in the next few months." ARE YOU KIDDING ME!?!?!??!?!?
3. They called me a liar about 100 times. You want to know what they think I'm lying about? MY WIFE BEING SICK!!!!
4. I cancelled my insurance and THEY STILL CHARGE ME! I HAD TO CANCEL MY ENTIRE ACCOUNT!
These people are not an insurance company even... they are the middle man to a company that, honestly, I don't even think exists.
To finish this off, AVOID RMIS, ROBERT MORENO INSURANCE SERVICES AT ALL COSTS!! THEY ARE CROOKS! THEY ARE EVIL PEOPLE AND I.... I am a man of integrity and have no TIME to be writing these reviews UNLESS ITS SERIOUS, this is serious. STAY AWAY!
1 Updates & Rebuttals
Domingo@TCS Insurance Brokers
Tracy,California,
RMIS - Robert Moreno Insurance Service & MGA's
#2Consumer Suggestion
Thu, April 11, 2013
The Blame for your specific situation falls on your Insurance Agent or Broker. It is that person's responsibility to let you know what you are getting yourself into. Most Agents/Brokers that work with RMIS and other Managing General Agencies, charge a hefty up front fee. The fee is allowed by the CA Department Of Insurance because these individuals should have the knowledge and experience to lead you to a good purchasing decision. If you feel that the person omitted, or kept information from you that would have led you to make a better buying decision. Than you have a right to go after that person's Errors and Omissions insurance and have them cover your claim.
RMIS and many other Managing General Agencies are good at a specific type of risk. Such as drivers with No License or low limits, drivers with many violations or with multiple accidents. That is what they go after and they could save you some money but, you give up some parts of your insurance coverage that you might not have tought about. First, you usually get a coverage that does Not include permissive use. In other words if you let others borrow your vehicle than the accident would not be covered during that time. Second, claims are handled by this MGA and it will not compare with a Name Brand insurance carrier. Which means dealing with a person that might be swamped with too many other claims at the same time. Also, they usually contract out an adjuster to go see your car. Which can lead to errors in communication and under valuing your vehicle. Third, there are many middle man when you choose to go this route. You have the agent or broker that sold you the policy. Then you might have another retail agency where this policy went through. Then you have the MGA that is handling the billing and claims and then you have the actual insurance carrier that carries the policy on their paper. Usually the carrier it self will not talk to the insured for any reason and if you try to contact them, they will just refer you back down to the MGA.
I hope this information helps you and anyone else reading.