Had sevral years with Commerce Insurance and was treated pretty well until I moved to another state and cancelled my Insurance. I was told that when I cancelled my plates I would receive a refund.I cancelled my insurance 2/2011, plates 4/7/2011 due to fact that you have to waite until your birthday to register your vehicle and also prove to commerce to fax over new insurance agent with proof of insurance.Every time I contacted my agent she stated I needed to do this, that and every other thing under the sun.I am still waiting for my refund.Its only hundreds of dollars but its the princple, or just the old run around.

In my opinion I think, I got insurance through a big box store. I had been paying Commerce about thirteen hundred for years. I was bored called the number and the company that the big box store had for me charged me less than $600 for the exact coverage I had with Commerce. My cousin chipped her tooth in a big car accident and got an inlay. Commerce would not pay and only wanted maybe to pay for a filling. When taken to small claims Commerce used a very agressive lawyer who treated my very nice cousin pretty much like a criminal. Brutal cross exam etc. Commerce sometimes fights no fault claims by sending the claimants to law firms for "examinations under oath." They ask that a ton of paperwork (past medical records included) be brought and do not consult with their customers as to when they could make it. They just pick a time (often during working hours)and request your presence, The lawyers take people on seperately one at a time and ask them questions for sometimes hours, If anyone makes a mistake they can call it an inconsistency and the law firm can recommend do not pay. Problem is Commerce gives these couple of firms a ton of business and guess what. Their advice is often if not usually do not pay the claim and here is our legal bill. It gets ridiculous. If one person says, for example only, we were coming from Star Market and another one says we were coming from the gas station, they would never ask if the car stopped for gas after Star Market. Instead they would say that the testimony was inconsistent so not cooperative or something kind of sinister sounding. They ask tons of questions months after the crash. They sometimes ask questions from medical records. People do not screw up or not remember they LIE. Commerce is awful and expensive. I toned this down because I am honestly scared of them and what they might try and do to me.