Nora Lo

Review of TSC>Direct

Avoid the time lost and headaches dealing with the...

Avoid the time lost and headaches dealing with them. They lure you in , then only to throw you away. They have a horrible process of determining whether they want to insure an individual for car insurance. I had switched hoping to lower my insurance cost. I took time and answered all their questionnaire and provided all information they requested to set up a policy. Then I had to take a day off to go to one of their inspection locations to show the condition and status of the car, so they could take photos of the car, in order to confirm OKAY covering my car under their insurance.

After all that time and effort, less than two months later my policy was CANCELLED by their underwriting department because of an incident that was not my fault (a car side-swiped me and drove away). Luckily, I got the person's plate# and called my insurance right away to report and they did estimate and that hit-n-run car's insurance covered all damages). They also told me they canceled covering me, because of the high mileage from the previous year, which was my first year owning the car and wanted to enjoy driving anywhere on weekends and vacations away from home, they said they can't risk covering that mileage. I estimated my mileage best as I'd expected upon competing their questionnaire from that point on. It's unfair to judge my mileage on that one year and then to cancel me because of that. For better business/underwriter practice, they should allow the new year under my coverage to take place, and would have seen that my mileage was within what I put on the questionnaire. If at that point only after the year, if it went beyond what they covered me, then I would understand why they would cancel me. VERY POOR business practice and don't see how they can sustain keeping clients. Also, as I had paid a full year's fee in advance, I had to chase them down for my prorated refund. It took them over 6-weeks to receive my prorated refund check......thankfully their check did not bounce.... I certainly would never refer them to any of my family nor friends.