Help with evil ING car insurance??

Question

I already switched insurance company after some issues with ING insurance (for auto), and now its like they're blackmailing me!

The switch is already made, but right before, the broker guy was saying how they're looking into the old files and "magically" (imo) comes with with a REALLY old accident of one of the drivers insured. That is impossible for at least 3 years!! Since that person is rarely here (out of country) and for sure no accident has happened for the last three years.

Now they're messing with the new insurance company and the NEW broker called and said "they're holding onto the files because of a accident (thats suppose to have happened a really long time ago)."

The ING people said this is going to make your record bad it takes at least 6 years for an accident record to go away blah blah. While I have heard NOTHING about this after years of using ING until THIS POINT. And they're saying how its going to raise your insurance and so on.

ANY advice would be great

Lastly, I like to add ING is evil. Switch OUT if you have a bank account there or insurance, before they BLACKMAIL you.

Is it legal for them to do this?
And there seems to be a "ING complaint hotline" - I doubt it will do any good, but any suggestions?

Answer 1

When you have a claim or accident - it shows up on your CLUE report. Insurance companies can not make up stuff and put it on the CLUE report. They also can not put stuff on your MVR that did not happen.

The new company will pull your CLUE report and if an accident happened and law enforcement was called (even if a claim was never turned it) it will show up on CLUE. It could also show up on your motor vehicle record.

And insurance companies don't "send over files". Insurance files and information are property of the insurance company. We don't go giving those out to folks. And if the file has to do with the accident - that's a claim file and we never send those to sales agents for other companies.

Have you ever considered that the new agent messed something up and rather than tell you the truth is blaming ING since the new agent already knew you were mad at ING?

"for sure no loss has happened for the last three years" - OK- so no loss has happened in 3 years - what about 4 years, 5 years, 6 years? "REALLY old" may not mean with in 3 years. A speeding ticket can stay on your record for more than 3 years - so what makes you think 3 years is "really old"?

I've known companies that looked back as far as 7 years when they pulled CLUE and MR reports. Heck - an unpaid bill will stay on your credit report for at least 7 years? So why do you think an accident is "really old" after 3 years and that you should not be penalized for it? Even if the insurance company is late in discovering the accident - they are going to start to charge you for it after they find it.

If you have transferred your auto policy to another company ING is not that worried about the loss of your business.

If the only policy they have with you is an auto policy, they are more likely to lose money on you than to make money. They have no reason to "blackmail" you and they are not going to waste their time/energy and resources thinking of ways to make your life difficult.

The best advice I can give you - you are not going to like -but
get over yourself.

Answer 2

1

Answer 3

Ah yes, ING.

On August 22, 2005 the Superintendent of Financial Services issued the following order:

REGARDING the Insurance Act, R.S.O. 1990,
Chapter I.8, as amended, in particular section 441,
and the Automobile Insurance Rate Stabilization Act,
2003, S.O. 2003, c.9.

AND REGARDING ING Insurance Company
of Canada (“ING”) and ING Novex Insurance Company of Canada (“Novex”).
CEASE AND DESIST ORDER
On August 4, 2005, the Superintendent of Financial Services (“Superintendent”) issued a Notice of Proposed Cease and Desist Order as she was of the opinion that ING and Novex had committed an unfair or deceptive act or practice by inadvertently charging rates for coverages or categories of automobile insurance that were not approved by the Superintendent.

http://www.insurancegripe.com/ might be helpful

Answer 4

you can contact the states commissioner of insurance and file a complaint. easiest thing to do, get a new insurance company. the accident stays on record 3 years NOT 6.

Answer 5

1) Contact the better business bureau.
2)Ask ING to please put in in writing what the issue is with switching over and to please put in writing the history about the so called accident.
Everything about ING should be in writing.
3)Next contact a lawyer for a free consultation about your problem. maybe for a fee, that lawyer can them a letter with his office letter head, requesting information on you the client of the law firm and stating what the problem is.
4) You might want to start a blog listing issues with ING.

Answer 6

CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND SEE IF THEY CAN HELP YOU.

Answer 7

WOW! That was pretty tense, but sorry no advice.