Complaint Review: TMB Holdings LLC

Two years ago, on February 8, 2018, I called Auto Town Insurance for help getting a policy for a new car that I had purchased.  I called this company because I couldn't find anyone that would give me coverage because I had not owned a car in a few years and since I had used this company in the past. I thought I would use them again.

So, the person that I spoke with that evening said that after looking around for me Progressive was the only one that would cover me but it was going to cost me $1805 every six months because I had no prior coverage and my response was how could I have cover when I didn't own a car. Her reply was, I was supposed to have had some type of coverage that protects you when you don't own a car. I had never heard of that either (SR 22).

I was an Owner Operator,  Professional Truck Driver with an impeccable driving record and I had insurance on my truck but yet, I was charged this astronomically high price for my car. I went to the office on the ninth of February to sign the paperwork and an employee named Darcy C. printed out my policy. I signed the page for the Full Coverage,  so I thought and the page for the Uninsured/Under-Insured  Motorist.

I am not a native of Georgia and the State that I came from if you asked for full coverage you got it.  I didn't know that liability was not full coverage and I had no knowledge of Uninsured Motorist Reduced until after June 23, 2019, a young lady run the red light at an intersection a caused a three-car accident.

She didn't have enough coverage to take care of my car and the other vehicle so I had to file through my own and this is when I found out that I didn't have what I thought I had. And I renewed my policy every six months not making any changes because I truly that I had what I asked for.

Now, I am being asked why didn't I make changes but why would I when I thought I had been given Full Coverage and Uninsured /Under-Insured Motorist.

Uninsured Motorist Reduced law was signed by the Governor on May 14, 2008, it is called Senate Bill 276 and I believe that it is a total rip off to consumers. Why would anyone pay for coverage only to have it reduced?  Sonny Perdue was the Governor at this time and it's a scam. 

When you ask for coverage companies are not explaining this. I have one of the State Senators working with me to try and get this removed. Also, I have a letter from Auto Town stating that their system is set up to automatically put an x in a box stating that you want this type of coverage but only at the customer's request. Well, I could not have requested it because I had never heard of it. 

I want the Georgians to know about this and stand with me to make a change because what has happened to me shouldn't happen to anyone else ever.  And if ATI did this to me you know that there are others.  

I believe what was done to me falls under the Federal Law of Uniform Deceptive Trade Practice Act and Georgia Law adheres to this and if not I know my civil rights have been violated because as an Insurance company all of this should have been explained. 

And Senate Bill 276 states that a customer has to reject this Add- on in writing and I didn't do that.