22News I-Team: Massachusetts insurance company gets hit with discrimination complaints

The state's Chief Civil Rights agency is about to issue a complaint against a Massachusetts insurance company. Full Story
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Plainville, MA

#22 May 20, 2012
Have commerce homeowners. Home recently broken into, they completely trashed my home and stole everything and anything they could find. Unbelievable amount of damage done. I was interrogated by commerce agent, sent a letter in not so many words accusing us of staging the break in and wanting us to give then permission at anytime in the future to come back at us and allow them to recoup payment. Refused to sign. They have held us up seems they are doing there best to get out of paying. Run away from commerce. They don't mind taking your money but won't and will do anything to get out of paying. Have filed complaints with insurance commissioner, attorney generals office and looks like I might have to get an attorney. They need to be put out of business or held legally accountable they are practicing extortion. They take and refuse to give back.

Orleans, MA

#23 Jul 6, 2012
I am dealing with a similar issue with Commerce- I think there is something bigger going on with SIU. My claim was denied with ample evidence to support my story, and they would not allow me to see their forensic report. I had to get an independent forensic analyst who backed up my story. I am curious who your agency is?
Michelle wrote:
Commerce is like nothing I've ever seen in my life! My car was hit in a parking lot. I came out of the store and my car evidently had been hit. Yellow paint on the door and much of my white paint scraped off the door handle. I have full collision and full comprehensive coverage, so regardless of WHAT hit my car (whether it was another moving vehicle, a vandalism situation, or someone rammed a shopping cart into my car) it should have been covered. I filed the claim the morning after it occurred on 8/7/2011. They sent an adjuster to look at the car. The auto body shop ordered the parts. a week later I got a letter from Commerce saying that they needed to send an investigator to look further into the situation. fast forward to the middle of September. So the broker called me and I explained to him that I would need someone to come to my home in the evening or on the weekend. He said that was no problem. He told me he'd get back to me to schedule the investigation. 1 Week went by and I heard nothing from him. I called and he said, "Oh don't worry, we can just take a recorded statement from you over the phone. No need for someone to come to the house". So I did my recorded statement over the phone. 2 weeks later I get a letter from Commerce denying my claim. The reason? I did not cooperate with "the investigation". Also, "Upon a 2nd inspection of your vehicle, it was determined that you supplied false information in filing this claim. The paint found on the car was not from an automobile". Okay, so what? Perhaps it was a shopping cart? or a baseball bat? The made this determination based on the fact that there are not many yellow cars and the paint is yellow. They implied that I lied. What pisses me off is the fact that Steven Montville the broker from Commerece stated that no one needed to come to my home. Yet, somehow according to the letter I received, Christopher Borelli conducted a 2nd investigation of the vehicle. Could these assholes have looked my information up on facebook and found where I work and gone there, found my car in a parking lot and conducted an investigation without my knowing? To make a long story short, I am furious. In the process now of dealing with the Massachusetts insurance complaint people. I intend to fight this till the end. 10 weeks and I'm STILL dealing wtih this claim! If I need to sue these bastards, I will!

United States

#24 Jan 31, 2013
My car was stolen, I dropped keys when carrying in laundry and wrestling my dog,the police recovered it burned and Commerce is acting like I burned it! I had a funeral the morning I found it stolen and a 70 year old Mom in the hospital with a broken back why would I total my car??? Its still being investigated no rental and they want me to pay my loan and insurance the whole time they investigate plus pay for alternate transportation? Who has $ like that??? Ughhh

Groton, MA

#25 Aug 23, 2013
Commerce insurance, comprehensive auto insurance. I really thought that comprehensive auto would cover my broken windshield. I thought it was even required in Massachusetts because they don't want people driving around with broken windshields. Unfortunately, my windshield replacement was not covered. Even though I specifically asked my agent about glass and was told it was covered, their comprehensive coverage will not actually cover glass. Now I feel like I'm driving around without any insurance. I have a policy that allows me to register my car, and that's about it. After trying to get them to pay for this glass, my only claim in 5 years of paying their premiums, I realize they will not pay for anything. Reading these other comments only confirms that. They probably have excellent lawyers and just deny 100% of claims as a general practice. I'm not sure what other options we have in Massachusetts, but any money you spend with commerce insurance will only get you the paper the policy is printed on, they won't abide by the words on the page. Dishonest and shameful.

Petersburg, VA

#26 Sep 6, 2013
You need to watch your brokers also. Bryan Provencher insurance in Lowell took a full years insurance and was supposed to pay "Safety Insurance" company for the entire cost of the auto policy. He paid the policy when he felt like it on a monthly basis..I incurred monthly fees and even a $25.00 late fee. When I finally got fed up with it and turned in my plates to move to New Hampshire (out of Massachusetts).I filed a complaint with the insurance commission. Mr. Provencher wrote a heart felt letter saying he was trying to help me and I had actually asked him to hold my $2,000.00. I guess I wanted this stranger to hold my money...Cost me $6.00 per month in fees and a late fee. Makes sense? The commission thought it did ..He was within regulations. Obviously if you're a good liar you can steal more with a pen than a gun. I'm done with Massachusetts but watch out as none of these brokers ever spend a day in jail..Remember the class action from Prudential ...No one went to jail.

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