Esurance
Esurance Auto Insurance Tells Customer, "You are a liar" & "We aren't paying for your damages"

On March 13 my car was driven through flood waters in New Jersey during a Noreaster. The flood had caused water to get into my engine causing my engine to seize. I had filed a claim with Esurance (my auto insurance company). I had then proceeded to file a police report of the incident with the town that the incident occurred as well as file a claim with Esurance. At first Esurance wanted to replace my engine with a used engine. I had contested that course of action since this did not address water damage in the electrical components and wiring which could have lead to control unit in the future. Esurance informed me that by law they are only required to replace an engine with comparable mileage. I contested the approach as the warranty for this used engine would have only been for 90 days. I felt unsafe having a used engine in my car. Primarily since there was obviously issues with the car that this engine came from if it wasn't in that car to begin with. Secondly, a 90 day warranty would not have protected me from potential issues that could arise from this engine after the 90 day period. Esurance had decided that the cost of a new engine would cost more than the value of the vehicle so they decided to total the vehicle. For 2 months I waited for Esurance to finalize the claim. I just had found out today that Esurance is denying my claim and are not going to resolve the engine. According to Esurance, they are telling me that I did not drive through water (basically calling me a liar) since "forensics" were performed on the vehicle via some investigator hired by Esurance. Aside from being insulted by Esurance and being called a liar I had the vehicle assessed by 2 auto mechanic professionals. They both had suggested to me that the vehicle damage was beyond repair and this vehicle needed to be totaled. Basically I have been paying Esurance for auto insurance and they have basically told me to screw myself and we aren't paying for the damages. This is unfair business practice and I do not appreciate Esurance for RIPPING ME OFF.

Company: Esurance
Country: USA
State: California
City: San Francisco
Address: 650 Davis Street
Phone: 18003787262
Site: esurance.com

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