Lighthouse Casualty Company

I never had such unprofessional service in my ENTIRE life. My car was recently rear ended by a Lighthouse Driver. I reached out to them about my accident and did not hear from them for an entire 3 weeks after I reported the accident to them. When I finally spoke to my adjuster he mentioned he just started the job which led me to believe that no one ever was working on my claim the entire three weeks. After going back and forth with my adjuster I finally asked for a supervisor. The supervisor called me laughing, so unprofessional and immediately defensive and rude. I could go on and on about the disgusting behavior of the supervisor but instead I will save this energy for an attorney.

the worst i repeat the worst insurance company ever!!! was assigned to the adjuster diana r. never returns phone call been calling her four times daily leaving mssgs never heard back from her! i tried talking to the manager never got a hold of that person either! avoid

WHAT A FRAUD!
I was rear ended by a drunk driver on Halloween 10÷31÷15. He finally gave me his insurance information and I contacted them right away. As of today, 12÷15÷15 I have yet to receive any call from the adjuster that was assigned to me. I have made several calls, they do not pick up the phone! I was able to leave voicemails on a few occasions and haven’t received any return calls. This company is a joke! So i’m preparing to report them to the BBB and Illinois Dept of Insurance. I am also looking into taking the driver to small claims court, my car will get fixed whether its by the insurance or the owner. ABSOLUTELY RIDICULOUS!!!

Literally the worst customer service experience I have ever had. I was hit by someone insured through lighthouse over a month ago and have left several voicemail messages for Charles Morgan, who is apparently the only claims adjuster that works there. Still haven’t heard back from my claim and my car is completely useless. Like other comments on here, I will soon be contacting an attorney.

Let me preface by saying I have never written a review on here. Only reason I’m saying anything is because every other review of this company is a 1-​star review. My car was hit by one of their drivers. It was pretty stupid. I was in an alley, pulling into a garage, got out of my car to manually open the garage door, and the other driver got into his car which was parked in the alley just a few feet away from where my car was completely blocking the entire alley, and he just backed up right into my car. my 6 day old car. needless to say i was not a happy camper. and he was chinese and did not speak english, and apparently thought the appropriate response was to start laughing, either at his own stupidity, or as a way of diffusing the situation. of course, this was no laughing matter. but i digress.
finally got someone to translate and got his info. called my insurance, progressive, that day (Saturday) to report the incident. Heard from someone at claims dept on sunday who tried calling Lighthouse that day but they were not open sunday. he said he would call the following day when he got into the office. i was not willing to wait that long. so i called Lighthouse first thing Monday morning and initiated the claim. I was very concerned about dealing with them as every review of them here on Unilocal or anywhere else makes it clear they are the worst insurance company in the world. After holding for about 10 minutes some girl came on and asked me to hold for a few more minutes. it’s a little weird because there is no on-​hold music (which i usually hate, but now realize that complete silence is actually worse) But anyway a few minutes later I spoke with this girl named Venus. I tried to be extra nice and funny and we had a nice conversation and it took about 20 minutes to file the claim, then she gave me the info for the collision repair shop in my area to go to for an estimate and said they’d be expecting me in an hour, and gave me the name of the adjuster at Lighthouse who would be handling the claim. I went to the body shop, got the estimate (by the way, it was a pretty minor dent in the rear fender, resulting in about $ 500 worth of repairs, so perhaps my experience would have been different if there was major damage.) Called and left a message for the adjuster. called back the next day, Tuesday, spoke with Venus again (small company) and found out that they received the estimate from the body shop and that the adjuster, Charles Morgan, had already tried to contact the other driver. Then on wednesday afternoon, got a call from Charles saying he got a statement from the other driver, everything was processed and they were going to cut me a check. I asked to pick up the check from the office and he agreed, then he called me thursday morning to say the check was ready and waiting. The only annoying thing about the experience was that I drove to the address that is listed for them on Knox only to get there and find some other company who told me that Lighthouse moved to Niles. Which wasn’t a huge issue as I live not far from there, but slightly annoying.
anyways the accident occured saturday. i filed a claim with them monday and had a check on thursday. can’t ask for much more than that.

One of their drivers backed into my car and they have no customer service. I stayed on hold for 2 hours before someone answered. The lady took my info and said an adjuster would be out in 48 hours. Well, its been over 5 days and no call. On top of that, my insurance tried to contact their client with no return phone call at first. Finally after tracking him down, he decided to give no statement… WTH! My own adjuster said that she never got an answer from the company. Although it is fixed as a no fault to me but this company has no regard for customer service and the people they insure are just as shady. They should get one star!

stay far away from this company, I was hit by one of their clients, multiple phone calls with no call backs lead me to file the claim with my insurance company (farmers) which I cannot say enough great things about them, they are world class. My insurance company has had to go to litigation with these losers. I don’t even get the issue, it was the other guys fault, he rear ended me cause his brakes went out. They are sub standard to say the least.

Please don’t use this business. They’re about as shady as it gets. They will do everything in their power to avoid paying out. They don’t answer the phone and never call back. Stay far away.

they not professional at all !!
its just another chippy companie
not well trained like Nick D replied !!
not customer friendly at all
and im goig to report them to the deparment of bussiness today !!

I’m sorry I have been a customer of both unique and now Lighthouse and thus far I do not see myself as ever being another customer. Every company prides themselves on customer service but the fact of the matter until you change or train your employees you are going to keep having this issue with negative feedback.
I was involved in a car accident and have yet heard from anyone, filed a claim on line and received a pop up that says your car is unusable then give the number to Unique, call unique and they are ignorant and tell you your not there customer and will transfer you.
But prior to I’ve been trying to call my so called insurance company and file a claim so that I can get this matter taken care of and I’m on hold for hours literally since my accident on 1.9.15 My entire lunch breaks was and are an hour but if you press the prompt saying you going to make a payment mysteriously someone answers says they can’t help you and sends you to apparently the only claim adjuster Samantha who either doesn’t return calls or her voice mail hangs up on you.
This entire time my car is sitting racking up fees because I can’t get my insurance to tow my car and I’m without a rental to get back and forth to work but is supposed to be included in my plan.
But I bet your bottom dollar they want the $ 110 for payment I have on my cars next month.
Oh need I mention that once I got ahold of the most ignorant rep who told me that they don’t do rentals you pay for the rental in full and they decide if they want to pay you back. What’s the point of full coverage? And I still have not heard from the person that he told will call me in 24 to 48hrs. Nor a response to the claim I filed online.
So when someone calls me and shows me some sort of respect as being a customer and not like I’m taking food out there mouth then maybe I would not feel the way I do. Maybe others would not feel this way and you would not have 75% negative feed back with BBB and another on the way.

I have also fallen victim to this insurance company. Unfortunately, since I was using my vehicle as part of a car sharing service my insurance company will not cover me so I have been forced to purse the driver at fault insurance. And it has been a complete nightmare.
Like everyone else who have written a review their customer service is basically nonexistent and everyone there is rude and unexperienced in the insurance business.
After calling several times and leaving over 100 messages for Charles «the guy» who is supposedly handling my claim I finally gave up and just went to their crappy office and asked for their manager Diana Rodriguez who is also by the way very rude and uncooperative.
After trying to explain the situation to her. She basically told me that I was wasting my time by coming down there and all she could suggest was that I call a rental car place until they send someone to take an estimate on my vehicle, which of course they never sent… And it has been over a week since my car was hit by a idiot who just decided to run a stop sign.
Let me just say this… its only a matter of time before they will be out of business and everyone in that office will be out of a job. With all of these complaints, people suing and continuously being reported to the better business bureau I’m hoping their doors will be closed shortly… and I’m more than willing to be apart of their demise! Unfortunately I was forced to give them one star but honestly their not worth anything… worthless company.

Drivers Beware! This company is attempting to avoid payment for damage caused by their client who was on his phone when he ran into the back of my vehicle.
They’re response, «we haven’t heard from our (dumbass) client so we can’t pay». Well they didn’t exactly call him a dumbass since they’re getting paid to cover him.
No callback from the adjuster or manager.
If you’re in an accident with one of their insured call your insurance company immediately. Save yourself the headache of dealing with the employees of this company. Their customer service is horrible!
No stars deserved!

So this company is actually «Unique Insurance». After my accident, I googled the insurance company of the idiot that hit me. Found nothing bad. No reports, no reviews, nothing.
Now that I FINALLY got the repairs approved 22 days after the accident occurred. I find out it is actually Unique Insurance. Which is pretty magical considering the appraiser never even looked at my vehicle. Where they get the dollar amount is beyond me.
Getting someone on the phone has been a nightmare. Getting answers has been even worse. I would call and leave message after message after message. Even for the VP and still no call back. I don’t even know how this company is still in business.
After reading these reviews, I am sick to my stomach to think how long it will take me to get «reimbursed» for the rental car that I had to get to I could do things like you know go to work, go to the grocery store, pick my daughter up from school/​activities.
At this point I am going to pursue this with an attorney. There is no reason that people should be treated this badly. I was the one that was hit and feel like I have been punished every step of the way. From my car being impounded to having to max out my credit card just to be able to keep my job.
Bottom line, if anyone ever hits you with this insurance, just go through your own insurance.