Complaints

This profile includes complaints for Traders Insurance Co's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Traders Insurance Co

  PO Box 24568 Kansas City, MO 64131

• 

  Traders Insurance Co

  9300 Troost Ave Kansas City, MO 64131

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A claim was filed against a party that is insured by traders insurance on June 11th 3025. Traders insurance was supposed to get my statement about the accident within 48 to 72 hours or three business days and they have been giving me the runaround. They are engaging in bad faith practices and deliberately failing to get a statement from me. They claim they cannot get a hold of their insured driver in that they will get a statement for me after that but I was informed that legally they need to get my statement no matter what and they should have done it by now. This business is deliberately making me try to call to get a hold of them everyday and they are giving me different numbers and stuff and I am not able to speak with my adjuster on the phone. Since a week ago when I filed the claim, I have not spoken with the adjuster one single time. This is unacceptable. I need them to get a hold of me at once. Otherwise, I just want people to know that this is a shady company.

  Business Response

  Date: 06/27/2025

  June 25, 2025

  
  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137

  
  RE: Complainant: ********* ******
  Our Insured: ***** **************
  Claim No.: PCI0360435
  Date of Loss: 06/11/2025
  BBB ID No.: ********

  
  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by
  ********* ******. After reviewing the complaint, it appears *** ****** feels Traders is not
  responding to his contact attempts regarding his bodily injury and property damage claims.

  
  Traders has been in contact with *** ******. Traders has reached an agreed settlement with
  *** ****** on his bodily injury claim and is in the process of handling his property damage
  claim.

  
  Traders believes this matter has been resolved.

  
  If you have any questions or require additional information, please contact me.

  
  Sincerely,

  
  ****** *****
  Auditor
  **********************

• Initial Complaint

  Date:09/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  02/06/2024 i bought auto policy with this company for $185. For monthly payments of $114.50 per month. In March my car was stolen for the 2nd time and totaled. I made a claim with **** ***** who is adjuster for Traders Insurance. He sent me papers asking for maintenance records, bank information on how the payments were made, and finance records from dealership, this information explained my payments were on time, maintenance done every 3,000 miles, new tires, etc. He wanted my medical records, personal checking and savings, cell phone records, all my personal information. I refused. I felt this was going a little to far. I cooperated with their investigation, i also received a threatening letter stating i may lose my drivers license, and was also told I was lying by *** ***** over the phone about some litigation over ID theft, tampering with credit reports etc. Everything else i have had going on. Which is also none of his concern. I have medical issues and my son also, we are both disabled. My car was stolen by my daughter previously in December, I testified to this in court. I was insured with ******* Insurance and made a claim, neither company has paid the claims, I have been making payments on two cars since December. They have made a hardship on both my son and I. I have been interrogated by both companies and have been more than cooperative and so has my bank. I also have Gap Insurance. I have not heard anything from these companies except threats. Traders, *** *****, also put on my insurance records that I haven't fulfilled my obligation to their company. I have. It is now to the point I can no longer pay the note on the 2013 Chevrolet Equinox that was stolen. *** ***** told me I was responsible for the Equinox being covered at the salvage yard and weather damages, and costs for storage if any. I am disabled 66 years old woman with a disabled son to take care of. ******* told my attorneys they were paying a month ago. They have not.

  Business Response

  Date: 09/23/2024

  September 23, 2024
  

  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  
  RE: Customer: ****** ********
  Our Insured: ****** ********
  Date of Loss: 03/18/2024
  Our Claim No.: **********
  BBB ID No.: ********

  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by
  ****** ********.

  Traders is unable to comment on this complaint at this time. ****** ******** is represented by
  counsel and Traders is investigating her claim.
  
  If you have any questions or require additional information, please contact me.

  Sincerely,

  ****** *****
  Auditor
  P: ************

  Business Response

  Date: 09/27/2024

  September 26, 2024

  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  
  RE: Complainant: ****** ********
  Our Insured: ****** ********
  Claim No.: **********
  Date of Loss: 03/18/2024
  BBB ID No.: ********
  
  Thank you for notifying Traders Insurance Company of the rejection to Traders’ response filed by ****** ********.
  As stated in Traders’ previous response, Traders is unable to comment on this complaint at this time. ****** ******** is represented by counsel and Traders is investigating her claim.
  
  If you have any questions or require additional information, please contact me.
  
  Sincerely,

  ****** *****
  Auditor
  P: ************
  **********************

  Customer Answer

  Date: 09/28/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: In my research I have found Traders Insurance is known for behaving this way toward consumers who do business with them. I'm not the only consumer that has had this experience. I suggest they be investigated by the Missouri Department of Commerce and Insurance.

  Sincerely,
  
  
  
  ****** ********

• Initial Complaint

  Date:03/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  see attached
  denied my claim for hitting the fence

  Business Response

  Date: 04/04/2024

  April 3, 2024
  BBB Midwest Plains
  11811 P Street
  Omaha, NE 68137
  
  RE: Complainant: ****** ******
  Our Insured: ****** ***** ******
  Claim No.: **********
  Date of Loss: 12/30/2023
  BBB ID No.: ********
  
  To Whom it May Concern:
  
  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by ****** ******* After reviewing the complaint, it appears *** ****** would like Traders to pay for the damages to his fence as a result of this accident. The driver of the vehicle that struck *** ******** fence was not listed as a rated driver on the
  Traders’ policy. Traders has been unable to make contact with their insured, ****** ***** ****** or the driver not on the policy, ****** ******. Traders has sent numerous letters, attempted telephone contact and has hired an independent firm to place a letter on *** ***** ******* residence telling him the importance of contacting Traders. Traders contends they have not denied coverage but have been unable to complete their coverage investigation. Traders cannot pay for *** ******** claim without the cooperation of *** ***** ****** or ****** ******. If Traders makes contact or receives any additional information, Traders will review it.

  
  If you have any questions or require additional information, please contact me.
  
  Sincerely,

  
  ****** *****
  Auditor
  P: ************
  **********************

  Customer Answer

  Date: 04/09/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

   

  They have denied my claim for the Damages on my chain link fence, but ****** ***** ask for receipts from tge Fence I bought at *********** ****** here in Dodge City,Kansas I asked her I've got over 24 hours in Labor repairing my fence, they refuse to give me Labor as of the conversation I had last week with ****** ******  I said that isn't right.. ****** ***** was going to pass my concerns on to the next step. 

  I was Not told of the Driver not being a policy holder,  until this letter from Y'ALL. 

  I just want to be treated fairly,  I'm not looking to getting Rich off this Deal, but I just want Fairness!

  Thank you 

  
  
  
  
  Sincerely,
  
  
  ****** ******

• Initial Complaint

  Date:03/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got insurance with traitor insurance through Freeway insurance on February 24, 2024 I signed a contract I paid $271 to start it my monthly payments will be $84.60 which will be due March 24, 2024 . two weeks later I get a letter in the mail stating my policy has been changed without my permission I never signed nothing for this new policy I never talked to no one about a new policy I don’t understand why they changed it within two weeks of me signing a contract that’s supposed to be enforced for six months I wouldn’t never agreed to this new policy wants me to pay $235 march 24,2024 then $149 every month with no explanation to why they changed it I have the contract I signed and the first letter they sent out and the second letter .

  Business Response

  Date: 03/11/2024

  March 11, 2024
  
  
  RE:     Inquirer:                 Tamika Carthen
  Policy Number:        TM13015844
  File Number:            BBB
  Complaint
  NAIC Number:         42749
  
  Dear Ms. ****** ********
  
  Traders Insurance Company received your communication
  dated 03/09/2024 regarding a request for assistance. We are happy to respond to
  the request.
  
  You started a policy with Traders through our
  independent broker, Freeway Insurance Services of America on 02/24/2024. Thank
  you for reaching out to us regarding your recent experience. We understand your
  concern with the premium change, and we want to assure you that we take your
  concern very seriously.
  
  When you started your policy on 02/24/2024, your
  application for auto insurance included a Prior Insurance Discount (Exhibit A).
  Policyholders are eligible to receive this discount if they provide
  documentation of continuous personal auto insurance for the previous 6 months. On
  02/29/2024, the Prior Insurance discount was removed because documentation had
  not been provided and we could not verify your previous insurance coverage. On
  02/29/2024, we sent you the updated declaration page and payment schedule
  (Exhibit B).
  
  Today, on 03/11/2024, you called Policy Services and
  obtained a quote to add your daughter and to add a car. At this time, we
  received the documentation of your prior insurance coverage and applied the
  discount to your policy, returning your premium amount and billing as it was
  prior to it being removed. An updated declaration page and payment schedule
  will be sent tomorrow.
  
  Thank you for providing the documentation needed
  to validate the discount. As of the date of this letter, we have determined
  that your concern has been addressed. Please do not hesitate to contact us if
  you have any further questions or concerns.
  
  Sincerely,
  
  ****** ******
  Senior Quality & Development Analyst

• Initial Complaint

  Date:02/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The insurance company is trying to pay outdated rates from 20 years ago. My vehicle has been in the shop for a full month and Traders is trying to pay low rates and have customers pay out of pocket. I need my vehicle asap and Traders Corporate office needs to look into this. Claim ************

  Business Response

  Date: 03/06/2024

  March 6,
  2024
  
  BBB
  Midwest Plains
  ***** * ******
  Omaha, NE
  68137
  
  RE:  Complainant:  ****** *******
           Our Insured:  ****** *******
           Claim No.: 
  **********
           Date of Loss:  **********
           BBB ID No.:  ********
  
  To Whom it May Concern:
  
  Thank you for notifying Traders Insurance Companyof the above captioned complaint filed by ****** *******. After reviewing the complaint, it appears Mr. ******* *as not happy that the shop of his choice for repairs to his vehicle
  was charging rates higher than what Traders had approved.  Traders and Mr. ********s shop of choice have
  come to an agreement on the labor rates for the repairs on his vehicle.   
  
  This matter has been resolved. 
  
  If you have any questions or require
  additional information, please contact me.
  
  Sincerely,
  
  
  ****** *****
  Auditor
  P: ###-###-####
  ******@tradersauto.com

  Customer Answer

  Date: 03/12/2024

  Traders has approved some rates. I still don't have my vehicle. Again, a 3rd supplemental claim was submitted to Traders last week.

• Initial Complaint

  Date:11/27/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have Traders Insurance since July. They provided full coverage on my 2021 Dodge Charger. They obviously run my driving record when applying for auto coverage. I paid them money, paid my premiums, then my car was stolen from my work parking lot. It is on the security video, a male breaking the back window and stealing the car within 7 minutes. After 40 days the Traders adjuster called and said they are rescinding my policy , not paying the $35,000 loan balance and will return the premiums that I have paid due to me not disclosing a conviction in 2018. I never filled out an application, just spoke with an agent on the phone. I told her like I tell all insurance agent. My driving record is not good. But I haven't had and incidents in years. Why did they issue my policy if they didn't check my background like all other insurance companies do. So it seems I have been driving around with no insurance because no matter what kind of claim I filed , they would not have covered it. This is breach of contract. I am seeking legal advice. I am not paying for car that some thief is driving around in Kenosha Wisconsin.

  Business Response

  Date: 12/08/2023

  December 7, 2023
  
  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  
  RE: Complainant: ***** *******
  Our Insured: ***** *******
  Claim No.: **********
  Date of Loss: 10/11/2023
  BBB ID No.: ********
  
  To Whom it May Concern:
  
  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by ***** *******. After reviewing the complaint, it appears *** ******* was unhappy with the claims decision and his policy being rescinded. A letter was mailed to *** ******* prior to his complaint outlining the reasons for our action.
  
  If you have any questions or require additional information, please contact me.
  
  Sincerely,
  
  ****** *****
  Auditor
  ** ************
  **********************

• Initial Complaint

  Date:10/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Feb 24th 2023 my car was stolen. I was in the middle of an oil change and could not get the oil filter off but I had already drained the oil, I was waiting for my husband to come and help get the filter off. I work nights and was sleeping. When I woke up at 330pm my car was stolen. I filed a report with wichita PD they found my car 2 hours later a few miles from my house. I had to have my car toward and rekeyed. Once we did that the car would not turn on and it appears the motor has been blown I unfortunately do not have my receipts from all my car maintenance. And they will not continue my claim they initially did not ask for that information. I sent all of my car loan paperwork, payment history all of my call and message logs (which took me months to do due to my phone carrier and miscommunication, they kept sending the wrong information). My car drove before someone stole my car and now it does not I had full coverage insurance. I am just wanting to get my vehicle fixed.

  Business Response

  Date: 10/19/2023

  
  October 19, 2023
  
  
  
  BBB
  11811 P
  Street
  Omaha, NE
  68137
  
  RE:  Customer:  ****** ********
           Our
  Insured:  ****** ********
           Date of
  Loss:  02/24/2023
           Our Claim
  No.:  **********
           Complaint ID
  No.:  ********
  
  Thank you
  for notifying Traders Insurance Company of the above captioned complaint filed
  by ****** ********.  After reviewing the
  complaint, it appears *** ******** would like to move forward with the handling
  of her vehicle damages.    
  
  Traders had
  requested *** ******** to complete a Proof of Loss form and provide any
  maintenance records on her vehicle.   *** ******** sent back the Proof of Loss to
  Traders, but it was missing a page.  Ms.
  Gittrich called Traders on 10/16/2023 advising she would send the completed
  documentation. When Traders receives the requested documentation Traders will continue
  to work with *** ******** in an effort to resolve this matter.   
  
  If you have any questions or require
  additional information, please contact me.
  
  Sincerely,
  
  
  ****** *****
  Auditor
  ** ************
  **********************
  
  
  

• Initial Complaint

  Date:04/08/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Trader Claim # **********
  I am writing to express my deep dissatisfaction with the handling of my recent car accident claim by Trader insurance and the insured driver, who provided false information to the police report. In addition, Trader representatives ***** ( *** *** ****) & ***** ***** ( *** ********) from Total loss department promised to pay for my car rental and storage fees but have since reneged on their commitment and stopped answering my calls. Till the writing of this letter, my SUV is impounded at *** ********** **** *** ****) till Trader pays off the outstanding balance.
  
  
  On Dec 4th. 2022 , I was involved in a car accident with your insured driver, who was at fault for the collision. When the police arrived at the scene, your insured driver provided false information about his insurance company, which made it extremely difficult for me to track down the necessary information to file a claim. After several weeks of hunting down his insurance information, I finally was able to file a claim for my car rental and storage fees with your company. *****, who was handling my claim, promised to cover all expenses and assured me that the process would be handled efficiently and professionally.
  
  However, I have since been severely let down by ***** and your company's handling of this matter. ***** has reneged on his commitment to cover my car rental and storage fees and has stopped answering my calls and responding to my emails.
  
  I demand that your company honor its obligation to cover my car rental and storage fees as outlined in my policy. I also urge you to investigate the false information provided by your insured driver to the police report and take appropriate action against him. Furthermore, I expect your company to address the unprofessional behavior of your representatives, ***** & *****, and provide me with a prompt and satisfactory resolution to this matter.

  Business Response

  Date: 04/21/2023

  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by ***** *****. After reviewing the complaint, it appears *** ***** wants his car rental and storage fees paid.

  As of the date of this letter, Traders has paid *** ***** for his car rental. Traders has also paid *** ********** for *** *****’s tow bill, tear down fee of his vehicle to determine damages and the storage fees.Traders believes this matter has been fully resolved. If you have any questions or require additional information, please contact me.

• Initial Complaint

  Date:02/08/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  please see attached or caselink

  While driving through a parking lot, I noticed a car backing out. I sped up a little so he wouldn't hit me, but he still backed up into my car. He damaged the left side of my car.
  

  Business Response

  Date: 02/16/2023

  ******** *** ****
  
  
  *** ** ******* ****** ****
  **** * **** ******
  ****** ***** ** *****

  
  *** ************ ********* ******
  *** ******** **** **************
  **** ** ***** *******
  ***** **** **********
  *** ** **** ********

  
  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by ********* ******. After reviewing the complaint, it appears Ms. ****** was wanting her claim for damages to her vehicle to be resolved.

  
  As of 02/10/23 Ms. ****** has been reimbursed for the damages to her vehicle as a result of this accident. Traders believes this matter has been fully resolved.

  
  If you have any questions or need additional information, please contact me.

  
  Thank you.

  
  **********
  
  
  ****** *****
  *******
  ** ************
  **********************

• Initial Complaint

  Date:01/31/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 01/22/23 one of their clients t boned my vehicle and totaled it leaving me without a vehicle I requested they provide me with a rental car they said it would be 48-72 hours and it is now 01/31/23 8 days later and I still don't have a vehicle

  Business Response

  Date: 02/08/2023

  Thank you for notifying Traders Insurance Company of the above captioned complaint filed by ******* *****. After reviewing the complaint, it appears *** ***** was unhappy that Traders was not able to authorize a rental vehicle until our coverage and liability investigation was complete.

  As of 02/03/23, our coverage and liability investigations are complete and *** ***** has been reimbursed for the loss of use of his vehicle as a result of this accident. We believe this matter has been fully resolved.If you have any questions or need any additional information, please contact me.

  Thank you