Horace Mann Insurance Company

hit by insured teacher, who floored it around a corner onto a onramp without caution and rear ended me so hard my airbags went off and pushed me into the car in front of me witch was 5 – 6 ft while i had my foot on the brakes
idk how she didnt see traffic from the other direction and realized hey i need to caution —her son slipped and and i believe she was on the F-​ing phone screwing around —-
3 months later 22 calls and countless left msgs and i finally received a check they act stupid the whole process thru they wait you out as much as possible took them 3 weeks to even set a date for someone to come inspect the car and every other week my rep was changed i did all the work prepped my documents and force fed them everything they needed
and 3 of my reps went on vacation and made me wait 2 extra weeks untill i started yelling at them to change my rep to someone who wasn’t on vacation — NEVER EVER did any rep answer thier phone extensions and the customer help lady just informs you of a reps premade number and those reps never answer instead they wait about 2 – 4 days to call you back or they never call you and u have to leave 10 msgs until l they get the point of calling you then they call you before their even open like at 6am if you miss thier call then you will be waiting again they act all nice on the phone and give you the run around every single time —
— they file documents and forget to ask you for all required things seemingly on purpose i am still waiting for my salvage title since jun 9^th 2015 filed on july 22^nd and i have told them the dmv rejected the application and they need to fix it and they state ”ohh the dmv took our application fee money so they must have done it ” and i tell them no i went to the dmv and they wont let me file for a duplicate title they rejected your application, after 2 weeks of doing research i beleive it was because horance man had me fax them the form i signed and that form cannot be copied must be signed in ink so id need to resend them the form but mail it to them this time WOW they do this for a living and they didnt know that? come the F on .
they do this all the time but i dont so i didnt know as of now horance man still is denying me help in finishing this 9÷18÷2015 stating they have not received anything and will follow up if they receive somthing
i hate this company soo much they tryed to take my car also witch just needed bumpers replaced 189 $ from junkyard and replace airbags was 100 $ junkyard and a winsheild-​idk how but thankfully no other body parts were broke i un dented my trunk area myself too toyota wanted 4k to fix all this — boo any smart person with a service guide can test squib circuts and replace airbags but i guess ppl these days are too f-​ing stupid to fix or learn anything took me about a week of reading to understand everything fully i realize i was lucky and not everyone can do their own repairs, replace sensor and knows how to reset/​replace computer pcm parts
then they acted like i couldn’t keep my car and wanted to come tow it and take it finally they backed down i kept my car for the measly less amount of 600 $ off my payout the car cost me 300 $ roughly to fix and they declared it a total loss whatever f them i took their payout and punked them for injury fees –I WOULD HAVE GIVEN –0 STARS — THE TEACHER WHO HIT ME WHO WAS INSURED BY THEM ACTUALLY JUST HAD ANOTHER ACC 2 WEEKS BEFORE AND HORANCE MAN ACC GAVE ME THE CLAIM # FROM THAT ACC AND TOTALLY SCREWED THE PROCESS UP AT FIRST TOO AND THEIR SOO DUMB THEY CALLED ME THINKING I WAS THAT TEACHER AND GAVE ME ALL TYPES OF PERSONAL INFO UNTILL I CLAIMED ‘hey im not this person you keep calling me… AND THEN THEY HUNG UP ON ME !! —-OMG THANK GOD THE LADY WILLINGLY ACCEPTED BLAME– I EVEN HAD TO GET REPORTS FROM THE COPS AND FAX THEM TO HORACE MAN
and on top of everything the cops immediately acted like i was to blamed kept asking me if i had my seatbelt on and how fast i was going thankgod the car i was pushed into also stated that i wasnt moving and they could see me wearing my seat belt
it was the very 1^st time i was going to take a drive on the freeway with my top down in my new convertible i had just drove across states to buy this car and had been looking for the exact model for nearly over a year and had just titled the car and had it nearly only 3 weeks, before this i have never had a acc before ever this was a horror story and is still going on !!
i would have just said f it all but the car i have is rare even the insurance company didnt know the model and had to call dealerships for pricing quotes !

THIS IS THE WORST INSURANCE COMPANY. I was hit by one of their insured while my car was parked on the street. The insurance company fought to use aftermarket used parts on my vehicle. They take a very long time to get back to you. They left me with a rental bill at Enterprise Rent a Car. The Manager Brad Russell was extremely rude and unhelpful. I had to pay for the rental on an accident I had ZERO liability over.
Do yourself a favor and pay a little extra for a real insurance company. I cannot express how awful this insurance company is. A trip to the dentist combined with a two hour wait at the DMV would have been far more enjoyable experience than dealing with the Horace Mann Insurance company.

If I could give zero stars, I would. I was in an accident earlier this month, and Horace Mann has been to say the very least, unprofessional. I have been with Horace Mann for 7+ years, but this is my first claim. My agent told me that I needed to call the other person’s insurance company and do all the «leg work» in order to waive my $ 1,000 deductible. (The Police Report states the accident is not my fault, but the other insurance co. just sent me a letter informing me that they will only accept 70% liability.) I did everything Horace Mann told me to do. They recommended that I have my car towed to Caliber Collisions to «expedite the repair process.» and so I did, but the car has been sitting at Caliber Collisions for 16 days — with still no repairs done, because of Horace Mann. My car rental policy is only good for 20 days. In several days I will be without a car. It’s astounding how incredibly unprofessional and negligent Horace Mann Insurance is. As I said, I have called and sent emails, but there are no answers from Horace Mann… I was told by my local agent that he only «processes paperwork for insurance, and does not get involved in any claims/​accidents.» Claim Agents, who are located in Texas, never answer the phone, return phone calls, nor respond to emails. I will write to the Insurance Commissioner once this entire ordeal is over, but in the meantime I must deal with the fact that I unfortunately chose an unprofessional insurance company. I hope that by sharing my experience some others will be spared this misfortune.