Foremost Insurance

UPDATED REVIEW:
Be careful with how you proceed with Foremost and especially when you have JOSHUA BINFORD on the phone. He will apply bully tactics that meets Foremost mechanical process, based on Farmers Insurance guidelines. If you have an neck injury go and see your medical professional (acupuncturist, chiropractor, physical therapist) to receive treatment. Then ask your doctor to upload the documentation for payout. Don’t be surprised with Foremost declining to pay the full amount. They will offer LESS than HALF. So be prepared to negotiate AGGRESSIVELY on the phone, don’t back down. Threaten small claims court in the State of California. Then listen to Joshua Binford voice start to get agitated. LOL
According to a lawyer whom I consulted specializing in insurance, 80% of small claims the victim will win the case against auto insurance corrupt practices. Since California is notorious with auto insurance malicious approach and it’s out of control. If all else fails, go to small claims court you will win be sure to build your case with proper documentation. Such as medical bills, body repair at your chosen body shop and/​or lost wages. Don’t even bother calling Foremost, WAIT for them to call you when they receive a summon. There’s a strong chance they will offer a settlement on the phone or make an appearance at court as a scare tactic to YOU. If you did all your due diligence the judge will side on your favor.
If your medical or repair bills is less than $ 1k, consider Foremost offer with a small loss during negotiation. Don’t allow them to give you a number to settle, that should be up to you. Just to avoid the aggravation in your busy lives. I took the latter.
I’ll end with DON’T sign any documents to close the case till you have an agreed settlement.

FOREMOSTHAS THE WORST CUSTOMER SERVICE EVER!!! I WAS PAYING $ 209 /​MONTH FOR A COMPANY THAT DOES NOT CARE ABOUT THEIR CUSTOMER’S! I SWITCHED TO GEICO, PAYING $ 153 /​MONTH AND I AM DRIVING A NEW 2016 AUDI A4.
It all started when my vehicle got rear-​ended. I filed a claim with both my insurance and the other party’s (who was at fault) insurance. I received a phone two days later, on Monday morning from Glenda Backlund. The conversation went well initially… When she confirmed to me who was driving, I informed her that it was my partner and I was the passenger. She flipped the switch and her demeanor over the phone suddenly changed! She told me immediately, «Well… we are not liable for any damages nor injuries involved since you were not the driver». I asked her what does my policy cover??? And she interrupted and said that I can make changes /​modifications to my policy to have my partner added to the policy. That was not the answer I was looking for nor was that even part of the question (s) being asked. I asked her again if she knew what my policy covered or not liable for, she told me to call customer service. HELLO!!! Aren’t you an Adjuster for a reason, once she knew I was not the driver, she saw no opportunity $$$$ to be made for my claim. She started raising her voice as I was still trying to explain why I am inquiring about the specifics of the coverage in my policy and just hung up on me! I called her 5x after that and left her voice messages, screaming from the top of my lungs. Her supervisor called me after filing complaints about Glenda Backlund, I told her that I want an apology. Instead of an apology, I got NONE, but just kept sending me statements that Foremost is not liable for the accident that occurred. AAA and Geico who preferred to cover the damages; since it was the owner of the vehicle son who hit my vehicle was at fault. Geico called me a day later and AAA at the same say it was filed had everything ready for me to bring my vehicle to the shop… and with a rental.
Now, I cancelled my policy… Their cancellation process is such an inconvenience. You have to scan a piece of paper of your full name, policy#, effective date of cancellation, a statement saying that you want your policy to be cancelled and lastly your signature. Geeeeez, the process is 3 days and to even inquire about the remaining balance or possibility of a refund is dreadful. Minda or Nenda from their «Leadership Team» is useless, she kept promising that she will give me a call back… two hours later of supposedly calling back I had to contact them 2x since she promised that she will call me again, but failed to do so. I spoke to another supervisor, Janet that she was going to call me back Monday. The supposed reasons for the delay because the cancellation is effective, but still processing. Okay, I can somewhat understand, but at least let me know what is going on without leaving me in the dark while my blood is boiling!
RUN AWAY, IF YOUR BROKER OFFERED YOU THE LOWEST QUOTE, JUST PAY A LIL BIT /​MORE FOR ANOTHER INSURANCE COMPANY. NOT ONLY ARE YOU PAYING MORE TO GET YOUR VEHICLE INSURED, YOU ARE PAYING FOR CRAPPY CUSTOMER SERVICE AND CONSISTENTLY BEING KEPT IN THE DARK!

One of the worst insurance companies I’ve ever dealt with. First of all I was being charged for a vehicle I no longer owned, was told the insurance was cancelled and there were to be no worries. I received emails stating I had a balance of over $ 130 months after I was told the policy was over. Made over 8 phone calls in regards to clearing this error just to be transferred and given the wrong information AGAIN. In conclusion I was still being charged, dealt w/​rude customer service and I was mainly doing everything myself in order to clear off my balance. Never go to this insurance.

Great team Zach help us choose the right program for Ashley thank you we had a long day appreciate the professional service keep it up!

Horrible insurance company! They charged me a broker fee plus first month and I signed up for an automatic payment and twice they charged me a late fee and cancelled my policy and had to argue with them on the phone! Then in December they automatically renewed my policy and in February they send me a notice saying I owed $ 73 and that they sent it to collections for non payment even though they never sent me a bill prior to it! Then I called and said I wanted to cancel and they charge you a cancellation fee! They didn’t even bother taking the fee off since they made a mistake! This insurance is a joke!!!

very shady company.
I double payed in November to cover December due to Christmas. I owed 26 dollars on my policy for the rest of the year. they cut me off 12/​30/​2015 and I just got a notice today on 2÷5÷2016 that I had no insurance on my motorcycle. So I decided to go with Geico. I asked them how much my payment was supposed to be in December that I «Missed» and they told me somewhere around 50 dollars (I forget the exact amount), but I only owed 26 dollars on the rest of the year which made no sense. Second, I asked if I could just make the payment to settle this issue, and they said I can, but it would cost 195 dollars for a start up fee and it’d have to be a new policy. Very very shady how they did that. I also signed up for paperless statements and billing, yet I never received 1 email stating I was going to be terminated. The only thing I received was my termination notice today, over a month after the fact.

This is not a good insurance company. Agent Abiola is the worst insurance agent I have ever met. She was unprofessional and rude. Once time she even told me to stop calling her when I called her for a second time in regard to my claim. She was also never on her phone during her normal business hour.

This is the worst insurance company in history, they use bait and switch tactics to charge you insane amounts!
For my case, I started my auto insurance with them and after 2 months got a message that they didn’t like my previous insurance history thus «removed my discounts», which was basically EXTRA $ 150 per month to my premium. I indeed didn’t like it and canceled it and started a new policy with another company, resulted in about %60 lower premium. And here is the worst part, I find their letter in my mailbox that I owe them $ 300 which didn’t make sense, after investigating this unknown payment, it appears that they are demanding «added discounts» for my 2 months of insurance with them. When I called their customer support about it, I literally got the phone closed on my face. AVOID THEM LIKE A PLAGUE IF YOU VALUE YOUR HARDLY EARNED INCOME.

Bad business experience with them. They cancelled/​nonrenewed my small business insurance because they said my business is an «ineligible business.» I have not changed my business activities in 10 years. If I was ineligible why did they insure me in the first place and why did they continue to take my premiums if I was «ineligible?» I think an investigation into their practices by the State Board of Insurance might be in order. BTW I did not make one claim. Caveat emptor.

This company is garbage!!! My experience with this company goes as follows, I purchased insurance from them when I bought my motorcycle and then cancelled it the next day because geico who I have all my other insurance through was actually cheaper. When I cancelled my insurance I found out that Firemost uses a broker (third party) and they keep 200 $ of your down payment. I paid 262 $ and got back a lowsy 59 $. So I recommend you do your own shopping around and not listen to others. A very expensive lesson learned on my part! This place actually deserves less than one star. l!!!

Got the insurance a week ago and had an accident 3 days later. It is possible to get good service ²⁴⁄₇.