Customer ReviewsforNYCM Insurance

On January 16th, 2024, a driver insured by NYCM collided with our property, resulting in significant damage to our yard and mailbox. We promptly filed a claim on the same day of the incident. However, nearly two months later, we are still awaiting reimbursement for the relatively minor damages we reported. This delay persists despite our repeated efforts to follow up on the matter.

Truly the worst experience I’ve ever had with someone else’s insurance. The amount of money they have made me shell out because of THEIR policy holder hitting ME & being 100% at fault. AWFUL customer service. Down right awful. Their wait times are an hour plus right now to get through for even basic help. That’s not an exaggeration. Can’t ever get a hold of anyone. If you “leave a message for a call back” you’re going to have to hound them down when they don’t call you back ever. The “examiner” assigned to me took her phone off the hook at 3pm on a Monday. I never got a call back on Friday when I initially called. From 3-5pm, it said she had “stepped away or was working with another client” for two hours???? Insane service. Horrible insurance company to even work with from the other side. Would never suggest them to anyone & I never want to have to work with them again. Truly. It was a nightmare plus. By the way— I’ve been dealing with them for nearly five months over an accident that happened in November. FULLY their policy holders fault. I wasn’t even moving. Including not having a car to get to necessity things such as work, groceries, etc. They don’t give a crap about service or how they’re inconveniencing other peoples’ lives. I live in the country. I NEED my car & I need a reliable rental that I don’t have to pay out of my own pocket to have. Which they are trying to charge me out of pocket since I live in upstate NY & everyone has been backed up. That’s not my fault. At all. Just like it isn’t my fault your policy holder hit me. So I shouldn’t pay out of pocket for something YOUR policy holder did. If they’re such an issue to you, maybe you should drop them instead of making other people deal with them. Thanks for literally the worst service I’ve EVER experienced with any form of a company. It’s terrible. Should be negative one star.

If I could give -stars I would. Last year I was in a small fender bender, a woman backed into me and she declared fault then and there to the insurance company (hers and mine). It took 3-4 months of back and forth with NYCM because they had wanted ME to pay my deductible instead of communicating with the woman’s insurance company to get the money for repairs. The entire process was long and much more complicated than it should have been (only about $2,000 worth of damage to my vehicle, none to the other party). I had to initiate every single phone call and update because I went 2 weeks without a single call, email or text. Also I was told when I did get ahold of somebody (I was on hold for 2.5 HOURS) that the person handling my case was on vacation, I’m sorry WHAT THE ACTUAL HECK!? For a company that’s supposed to be “there for the customer” the customer service was horrible. Now 8 months later I am up for renewal and they’re raising my monthly payment because of that accident. Considering all this is happening with a FENDER BENDER I am terrified if something more major happens because this company will NOT take care of what needs to be done

The worst experience I have ever had with an insurance carrier.

This company is terrible no wonder they have 1.44 stars. The worst customer service ever. Filed a claim for a simple windshield replacement as I have a policy that has full glass coverage. They clearly don't know how to read or they are incompetent because they said they are having trouble verifying when it's right there in BLACK and WHITE. No one was willing to help only pass the buck and this is completely unacceptable. HORRIBLE HORRIBLE insurance company! DO NOT USE

If zero stars were an option, thats what I would give this company. I unfortunately had a major hot water pipe leak in my kitchen (in December in NY-in frigid weather) leaving me with no hot water. These pipes run under my concrete slab. I was told because this did not cause water damage, that i would receive ZERO help. How is there no damage?? Even though they were completely aware that we needed to cause SIGNIFICANT damage to our kitchen to fix this issue, they couldn't have cared less. I was told when the concrete was opened up and if there were signs of water damage to give the adjustor a call back. When the concrete was demolished, there were clearly signs that this water that was leaking washed away the soil under the concrete leaving hardly anything supporting the concrete slab. The adjustor came back out and states that it would be within a day or two for an answer if this was something that was covered. 10 days later, multiple voicemails left (mind you- I've lost my kitchen, I have a massive hole within my floor in -9 degree weather) without a response. NYCM corporate office told me they do not have a report of her coming out and that they would reach out to her to have her call me back. Hours later, I got a phone call with an immediate denial of coverage. This has been a major issue within my house. This has costed me THOUSANDS upon THOUSANDS of dollars to fix. This company completely neglected to help during a serious crisis in my home. They have done and said anything they could to not help. I would not trust this company to help anyone during a huge home crisis. I have them for home and auto insurance and I will be leaving this company as soon as I can. Knowing they are who I rely on in a time of crisis is now terrifying. I will quite literally have to get a second job because this company has failed to recognize this as water damage to my home. I will ensure that I will let everyone I know to not use this company in hopes I can save others from this.

Typical response one would expect from a company that does not meet their obligations under the policy.