Ocean Harbor Casualty Insurance Company

We were hit by a driver carrying Ocean Harbor on July 4, and received minor damage to our rear bumperWe filed a claim with Ocean Harbor - it took different phone numbers and a 47-minute wait on hold (yes, I timed it)Our claim was eventually approved, and we brought the car into the shop on 9/2/ On the shop found additional damage when they removed the bumper, and on 9/8/17, per Ocean Harbor's requirements, the shop emailed, called, and faxed for get approval for the cost of the additional repairs On 9/12/17, after Hurricane Irma, I followed up with Ocean Harbor and was told that an appraiser was scheduled to examine the additional damage(They also claimed they hadn't been able to reach the shop because it was closed and the phones were down, which was blatantly untrue and a pretty obvious stalling tactic.) On 9/23/the shop informed us that the appraiser had not yet been out to see the damage, making it weeks since our car went into the shop and weeks since the shop request approval of the minor additional repairs from Ocean Harbor On 9/26/I called and emailed Ocean Harbor threatening to file a complaint with insurance regulators if they did not either approve the additional damage or authorize the cost of a rental carThat got them to call me back, and I was told that there was nothing they could do to speed up the appraisal processI was also told that we were eligible for reimbursement for a rental car, and that the information about the reimbursement was included in our original paperwork On 9/27/I forwarded the original paperwork back to Ocean Harbor, pointing out that it does not mention anything about rental cars or reimbursementI asked them for written confirmation of the rental reimbursement before I incurred those costs I've heard nothing back from them since, despite leaving several voicemails (no one ever picks up the phone) and sending multiple emails Ocean Harbor has now been dragging its feet for THREE WEEKS on approving minor repairs to our car, and is either lying about reimbursement for rental expenses or purposely delaying confirmation so the rental costs will be lower(Especially considering that we rightfully should have had a rental for the past month.) If you have any choice at all in the matter, I'd advise you to choose literally any other insurance company in the country over Ocean Harbor

The worse insurance company everI got in an accident and called them the same dayNo one answered or called me back for a weekTook almost a week to get someone to come out for an appraisal Then they only pay in physical checks so my car had to sit in the shop for extra daysThe shop got the check for the wrong amount, so I called my representative named [redacted] He has the worse customer service everI asked to speak with his supervisor [redacted] and he told me she was on lunch He hung up on me because he could not give me a day or time that the new check would get to the shopSo my car has been in the shop for weeks going now and they do not show any signs of concern for meI was told to be happyThey do not have to issue a payment for up to daysThis place is a nightmareI do not recommend anyone use this insurance companyThey will leaving you hanging when you need help the most

After involved in a car accident, the at fault party produced an insurance card for coverage under Ocean Harbor Casualty Insurance Company In my effort to have my car repaired, I attempted to contact this company of responsibility http://www.oceanharbor-ins.com/claims/ Using the telephone number listed on their website for automobile claims ###-###-####: My first attempt resulted in a minute hold period with no answer My second attempt resulted in a second unanswered call after another minute wait Further research for a contact number revealed ###-###-#### which offered a 3rd opportunity to wait on hold for more minutes I queried the company reviews and learned the likelihood of success in reaching them was very small Florida Office of Insurance Regulation is next

Getting my car insured with this company was the worst decision I've ever made in my life! The worst experience ever!!! If someone will ask me if I can recommend it I will say "run away from this Insurence company as fast as you can"!!! First of all they rushed me to buy the policy, so they tricked me and sold me not what I neededSecond they NEVER answer the phone, you can talk to their answering machines and voice mail boxes for weeksthan when they finally answer they are rude, confusing, and telling you they will call you back or even just hang up on you! When I got my first accident they called me back in TWO WEEKS!!! By the time they called me I had my second Excident and after this one they just told me they not going to fix my car or pay me anything, Even I got full coverage! when I called them and talked to supervisors every one of them told me different stuff, one of them told me I don't have full coverage so I told him you sold me the wrong thing or you just lying to me, he transferred me to the other supervisor and she told me yes you have full coverageI was super confused and couldn't understand what is going onSo anyway they refused to fix my car, because when second accident happened I wasn't the driver, BUT! on the government website of the state of California you can clearly see (black on white, like people say in my home country): "For those friends or family members who don’t live with you but use your car every once in a while – you can typically loan them your vehicle and not worry that they’ll be coveredPermissive use generally applies in these cases Permissive use means that if you give another driver permission to take your car, they will be covered by your car’s insurance coverage." And I didn't have this person excluded from my policy Now I'm speechlessby the law of the state of California my insurance supposed to cover me but they just have their own rules and do what ever they want to doI feel they just rubbing people! They are scammers! And this business need to be sued and closed !!! Regular people are suffering from companies like thisshame on you Osean Harbor Casualty Insurance company I'm a single mom and now me and my baby suffering because of this people, and I'm sure I'm not the only one , I wish Justice will prevail

I am here to tell you the OCEAN HARBOR CASUALTY INSURANCE COMPANY never answers the phone I have been calling them to find the progress on a claim for a week and finally after calling every day they were open I get in touch with someone Meanwhile my car is not drivable and got towed by another company I had to push it into a parking lot The towing company is charging dollars for a tow and dollars a day storage They promised to pick my car up on Thursday February 16th and that was the day after the accident (WedFeb 15thbecause you can only report a claim from 8pm to 4pm I was on hold for minutes before someone answered on Thursday and she only got done with half my information before she said she had to call me backShe also promised to have someone come and get my car on by the end of the day on Thursday I find out my car was never picked up by them at allThe next day (Friday February 17th I called several times never talking to ANYONEWhen I call I am immediately put on hold for at LEAST min Sometimes an hour and a half before I give up ! time I pushed a button and it gave me a recording that I could leave a message So I leave a message and get no call back Around 4PM I get a call, with no prior call that said they were picking up the car, saying "This is Ocean Harbor Insurance and your car is not where you said it would be" I said That is because you were supposed to be there yesterday and it was towed by another company So my car has been in impound from FRIDAY FEBRUARY 17TH until today WEDNESDAY FEBRUARY because they were closed SATRUDAY SUNDAY AND MONDAY dollars a day in impound and for towing They are saying they will not pay for that I have to use the dollar towing allowance that is included in my insurance It was their fault my car was towed because they told me they would pick it up on Thursday and they did not Now I have to pay for any additional towing This could have been avoided if they would have picked up my car when they said NEVER USE THIS COMPANY They dont answer the phoneand they try to find every way possible for YOU to pay the expenses I also asked for a supervisor and the girl said im transfering you to a supervisor now This "supervisor" said she could do nothing about my car being towed even though it was their fault I said YOU ARE A SUPERVISOR AND THERE IS NOTHING YOU CAN DO She promptly said she was NOT a supervisor So I was lied to I asked for a supervisor again, and when I told her I thought it was their responsibility to pay for the tow because they were late picking up my cari heard a clicklike she hung up I end up getting transferred to a voicemail from a guy named [redacted] no title whatsoever so I didnt know whether he was a customer service repa manager or supervisor NOTHING I left a message for him to return my car and he has not returned it

I recently was involved in a hit and run called the day after it happen the message stated they were busy but to leave a message and someone would call back in hours dats later I call bqck and get thru to regina which completes my claim she stated someone will follow up in hours they seem to like that timeframe but never follows thru so days later I get a call from april she stated some would come out to appraise the damages I got a call on monday days after she someone would call me they call on monday at 8:in the evening to say they would be out on wednesday at 1:pm still waiting a hour and mins later called twice this insurance company seems to have some shady business going on and need to be audited

I was involved in an accident with one of there insuredShe came over in my lane in traffic on 8/25/it took this company till after hurricane Irma to come look and my car and now I have not heard a thing I have been calling the phone number and wait on hold for mins to times a day and then get hung up onI need this repair to be taken care ofIt's not like it a couple thousand dollar repair either I don't know how this company is even in business!!

My car was totaled on 4/11/by someone with this insurance and I have been trying fonthe last week to get the paperwork done to close my claimThey have already sent me the offer for my car and come to pick it upAll I want is to complete the paperwork and send it with the title so I can get the check for the value of my car and be done with this claim once and for allNo one is answering the phone, returning my calls or responding to my emailsI have been calling *** *** at *** *** *** for the past week and left messages numerous times with no response at all

My vehicle was hit by someone with this insurance company and I have called numerous times to speak with the claims department to no avail You are just put on hold for hours on end I tried finding a live person and every time they were very unhelpful and transferred me to the claims holding music I emailed, nothingI have all the information for the driver, police report etc....but there is no avenue to get them the information I recommend when dealing with this company go straight to a lawyer I just met with Morgan an Morgan and they are very interested

We were hit by a driver carrying Ocean Harbor on July 4, and received minor damage to our rear bumperWe filed a claim with Ocean Harbor - it took different phone numbers and a 47-minute wait on hold (yes, I timed it)Our claim was eventually approved, and we brought the car into the shop on 9/2/
On the shop found additional damage when they removed the bumper, and on 9/8/17, per Ocean Harbor's requirements, the shop emailed, called, and faxed for get approval for the cost of the additional repairs
On 9/12/17, after Hurricane Irma, I followed up with Ocean Harbor and was told that an appraiser was scheduled to examine the additional damage(They also claimed they hadn't been able to reach the shop because it was closed and the phones were down, which was blatantly untrue and a pretty obvious stalling tactic.)
On 9/23/the shop informed us that the appraiser had not yet been out to see the damage, making it weeks since our car went into the shop and weeks since the shop request approval of the minor additional repairs from Ocean Harbor
On 9/26/I called and emailed Ocean Harbor threatening to file a complaint with insurance regulators if they did not either approve the additional damage or authorize the cost of a rental carThat got them to call me back, and I was told that there was nothing they could do to speed up the appraisal processI was also told that we were eligible for reimbursement for a rental car, and that the information about the reimbursement was included in our original paperwork
On 9/27/I forwarded the original paperwork back to Ocean Harbor, pointing out that it does not mention anything about rental cars or reimbursementI asked them for written confirmation of the rental reimbursement before I incurred those costs
I've heard nothing back from them since, despite leaving several voicemails (no one ever picks up the phone) and sending multiple emails
Ocean Harbor has now been dragging its feet for THREE WEEKS on approving minor repairs to our car, and is either lying about reimbursement for rental expenses or purposely delaying confirmation so the rental costs will be lower(Especially considering that we rightfully should have had a rental for the past month.)
If you have any choice at all in the matter, I'd advise you to choose literally any other insurance company in the country over Ocean Harbor

Absolute worst auto insurance companyLuckily I got out before tragedy strikesI'm a first time car owner nor had insuranceI got in without doing proper researchMy dealership helped find reasonable price rate for insuranceOcean Harbor was the only one with the lowest rate$for the first month and the payments get lowered each monthSounds amazing, right? Of course anyone would pick up on this offerI decided to go with itTwo weeks went by and I got letter saying they were canceling my policy of 5/28/for failure to send in five pictures of my vehicleGet thisNo one from the agency bothered to call me to let me know this is what I needed to doI called the company to ask them what I need to doThey gave me a number to send the pictures of my car by text therefore I did soNo one called, no email, no letter in the mail that states my cancellation would be dismissedAnother red-flag was the day of my first paymentI realized I cancelled my debt card and ordered a new oneI wanted to give them my bank account number so they could withdraw my paymentI called, called, and calledI kept getting hung up onAfter that, I deiced to go online to do more research of this companyI send reviews about this company and how horrible they wereDifferent scenario, also a situon I read was similar to my ownI knew right then there I didn't want nothing to do with this unprofessional companyI decided to go with State farm who gave me a reasonable rateAll I have to pay $dollars more and I'm covered for everythingAt least I know State farm is legitimateI wasn't even fully covered with Ocean HarborOnce I got insured with State farm, I want to make sure my policy with Ocean Harbor would get cancelled, so I called to make sureThe lady I spoke tried to get me not cancelled when I told her I wanted, that I already had new policy with another insuranceShe was laughing constantly for whatever reason, attempting to make light of the situation, having an excuse for every question myself and my grandmother askedThis company is astoundingCan't believer it hasn't been shut down for the many complaints I seen onlinePlease avoid this place company at all costWhatever you need to pay with the legitimate auto insurance companiesAt least you know you'll be insured and in good hands

Ocean Harbor Casualty Insurance Company is a SCAMMy husband was with them for almost years when he added me to his policy they tried to hit him with a charge $over what our payment was supposed to beThey claimed it was for adding a new driver and a new car, this was never mentioned to us at the time of us signing the policyThe man who wrote our policy told my husband that he didn't write it when he was the exact person we sat across from when we got everything set upThey entered my driver's license information in wrong and said that my information was invalidInstead of calling or emailing us they claim they mailed us a letter that we never received, however they insured me anyway with no drivers license info! They just decided to raise the premium without notice and although I have nothing wrong with my driver's license or my driving record they did not know that because of the mistake they made entering my DL # they STILL insured me! That's NUT'SHow many other unlicensed drivers are these people insuring? After several phone conversations and me going into the office to speak to them they could not explain what the inflated charges where for, I asked for an itemized bill explaining all Castries in detail and was provided a bunch of collies of the same peprwork we already had and no answer to our questionThe same man that told us he did not know us told my husband that he called me and that I said I had no idea who my husband wasThen I got some message about us being disconnected, I never spoke to him until I answered that voicemailSo I'm going to assume he dialed my phone number wrong just as he enetered my drivers license number wrongI can only hope that he did not divulge any personal information to the person he seemed to have a conversation withI'm pretty sure they where not disconnected, I am sure the person he was rambling on to thinking it was me hung up on himI would haveI would not recommend this company to insure my kids sakeboardVery unprofessional, unhelpful, unorganized, and incompetent

The worse insurance company everI got in an accident and called them the same dayNo one answered or called me back for a weekTook almost a week to get someone to come out for an appraisal Then they only pay in physical checks so my car had to sit in the shop for extra daysThe shop got the check for the wrong amount, so I called my representative named *** ***He has the worse customer service everI asked to speak with his supervisor *** and he told me she was on lunch He hung up on me because he could not give me a day or time that the new check would get to the shopSo my car has been in the shop for weeks going now and they do not show any signs of concern for meI was told to be happyThey do not have to issue a payment for up to daysThis place is a nightmareI do not recommend anyone use this insurance companyThey will leaving you hanging when you need help the most

Accident occurred on 5/4/Its currently the 13th of JuneOver months later Both MrDenmark and the lien holders have been calling every day leaving voicemails for the adjustor Damien *** and he will not return the call to resolve this claimWhen you speak to other agents they will not assistThey've stated that we must only speak with the adjustorIts almost as it they're avoiding their responsibility to pay on this claim

I was hit by someone with this insurance on 1/1/in South Florida - totaled my car (which forced me to buy a new car) & I have spent the last months in and out of doctor's offices due to injury - and my lawyer has still not been able to get in touch with this insurance company

This is the absolute worst insurance agency to deal with! Their insured hit me You can not file a claim online and nobody answers the phone After a week of phone calls and messages left with the supervision, I finally spoke to an adjuster I got an estimate from a nation-wide body shop, and the insurance agency came in with a low ball offer that only included an out-of-state OEM part, no painting, and no refinishing They insisted that I have the body shop submit a supplemental claim The body shop completed the work in days and it has been a week and the insurance company still hasn't authorized payment to the body shop They don't have a relationship with a rental car company and I have been forced to pay for a rental car out of pocket I (and the body shop) have left numerous messages for the adjuster which continue to go unanswered This company is complete crap when it comes to any customer service!

Horrible companyMy vehichle was hit almost weeks ago at 6am while is was parked in my driveway, by one of their insured wreckless driverst my car then hit a telephone pole breaking it in halfHave yet to speak to my adjusterHave left over messagesHave called literally every hourAppraiser came out and he informed that ocean harbour will have his appraisal that same day but they will lie to me and say they dont have it yetWhich the operater has done thatI am without a vehichle because of their insane driverI need a rental carI need to speak with my adjuster to be reimbursed for the cost of the rental I had for ChristmasAnd I need to bring my car in to be fixed!! This is insaneI am now contacting the Florida insurance regulations office

This is the worst insurance company and they should be reported to the district attorneys office I paid this insurance for years for my truck Full coverage I was in an accident in Fort Lauderdale and Ocean Harbor will not return my calls for a claim nor will they come out to look at the damages No one returns my calls After paying them every month for years, I am left without a vehicle and no help with my claim This is abusive behavior and this company needs to be investigated for fraudI had no choice but to click on one star because they do not deserve any stars

Ed *** This is the worst company that I have ever seen before, the customer service, terrible, nobody answers, the agent they asigned to you never take your phone called , adjuster Heather *** , like that she doesn’t exist, agent Lisa *** the same , you can email then , call or leave a message and nothing, this company is a piece of

I bought my car through a dealership in January and they referred me to Ocean Harbor, said they were the bestI willfully agreed on a six month policy, and once I received my paperwork I made a phone call to set up auto payThe first month of auto pay withdrew from my account four days after the due dateI called to check on day for after our was due and at first they told me I never set up auto pay so I made an immediate payment via debit and then I checked the bank account I KNEW I set up auto pay with and they took money out that morning as well! So I had to call again to get the over the phone payment I made cancelled, and that agent agreed with me I was set up all along for auto payYet I continuously received for the next four consecutive months an "over due with threat to cancel", a "your policy was cancelled", then a "your policy was reinstated" letter a week apart from each otherFor FOUR months my auto pay was through their company/websiteI tried to cancel auto pay so I can just schedule payments, and you have to call in and send a letter to cancelThe wait times are horribleI cannot complete a phone call within my hour lunch breaks at workI called on month four to see what I needed to do to cancel because I got new insurance with more to offer, and she said I can either mail a letter with certain info, or drive to my nearest service providerTwo and a half hours away (Largo to Orlando) We said I would write a letter, my husband typed up the criteria they asked for, and we sent it inTwo weeks later we call them and ask to check up on the statusThey say that the information I was given was wrong, and told me I should of called "Pearl Holding Group" directly(They like to transfer back and forth to each other allot)A women from Pearl Holding said she would check the mail for my letter, came back and said it was not receivedShe offered to send an email with information, and all I had to do was get my husband to sign it since he was primary and send they letter back in along with proof of other insurance and that they would refund me back what I over paid (minus 10% of what was left of my policy plus a $fre if I remember correctly; it came out to be around $in fees since I had only months leftI am still waiting on word back the policy was cancelledIt's been a weekI talked to Ocean Harbor three days ago and they have not heard from Pearl HoldingsIt's like the refuse to talk to each other to resolve their conflictsI need my refund, I need my peace of mindHeaven forbid I get into an accident and I'm double covered, I don't know what I will do
I got new insurance on 3-15-18, I sent a cancellation letter on 3-17-18, I called Ocean Harbor on 4-4-when my auto pay I requested to get cancelled was taken out, and as of 4-15-I am still waiting to get cancelled and sent my refund for over payment