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Ocean Harbor Car Insurance Claims


Starting in February 1994, Ocean Harbor Casualty Insurance Company was formed to offer personal auto insurance policies in the state of Florida. Managed by Pearl Holding Group, Ocean Harbor Casualty Insurance Company’s sole purpose has remained focused on personalized automobile insurance policies and options.

Instead of creating a large call-center insurance company, Ocean Harbor Casualty decided to sell their insurance policies exclusively through the use of independent agents. This ensured that policy holders would have a face to associate with the company and the policy in which they are purchasing.

These individually operated insurance offices can be found throughout the continental U.S. and even Hawaii. They are still run under the supervision of Ocean Harbor Insurance and offer auto insurance policies through Ocean Harbor.

For a company that started just over 15 years ago, Ocean Harbor Casualty Insurance is growing in size. The use of independent sales offices has proven to be a financially profitable model. While the main office is still located within the state of Florida, the company is expanding into other states as well. In addition to Florida, offices may be found in New York.

Ocean Harbor Auto Insurance

Every Ocean Harbor insurance agent is licensed and should be able to offer knowledgeable advice when consumers are seeking auto insurance information. It is Ocean Harbor’s stated goal to give the customer the right guidance in selecting the best coverage and cost. The company claims help their customers meet all of their insurance needs by balancing needs with finances.

To meet these goals, Ocean Harbor offers a variety of insurance policies designed to fit just about any consumer’s budget. Customers can purchase auto insurance policies that include liability coverage, personal injury protection, uninsured motorist coverage, collision, comprehensive coverage, and even 24 hour road side assistance packages.

Financial Strength of Ocean Harbor

In 2004, Ocean Harbor had over $64 billion received in policy premiums, which was an increase from the $53 billion they had received in 2003. With continued growth by both Ocean Harbor and their owners, Pearl Holding Group, expected to increase this year. In 2002, Ocean Harbor’s actual income earned after tax was listed at $625,093 and was listed as an 86 percent increase in the state of Florida itself.

As of June 2010, A.M. Best Companies upgraded Ocean Harbor Insurance from a “B” rating to a “B+”. This was due to Ocean Harbor’s increase in risk-adjusted capitalization, sustainable profits, and a surplus of growth over the last five years.

Better Business Bureau Rating for Ocean Harbor

Ocean Harbor has been accredited through the Better Business Bureau (BBB) since May of 2005. The Better Business Bureau rates Ocean Harbor Casualty Insurance at “B”. This score is based on the number of complaints received by the BBB since their accreditation BBB has received 40 complaints filed against the auto insurance company since 2005. These complaints have been against both Ocean Harbor and owner, Pearl Holding Group.

The complaints have varied from advertising issues and contract issues, to refund and warranty issues. Out of the 40 complaints filed, 26 have been resolved and 14 were closed out by the BBB due to the claims not being satisfactory for dispute.



18 comments

Tuesday, October 2, 2012
Mirian Alcocer:

I stayed in the holl 45 minutes, nobody attended my phone call, now I wait that someboby return my phone request.

Thursday, October 4, 2012
Attorney Greg Dell:

Mirian,

It is sad that Ocean Harbor would treat you in such a manner. Their customer service may not be the best in the industry.

Monday, October 8, 2012
Lionel:

Read many bad reviews (while on hold for claims dept.) and I’m starting to get worried. My daughter’s SUV got sideswiped by a woman with Ocean Casualty Ins., I’ve been on hold so far 35 minutes and their automated system continues to send me to a voice mail option. The vehicle can’t be driven due to the damage and I’m worried the repairs are going to come out of my pocket. Is there another way to get in contact w/ their claims dept?

Thursday, January 24, 2013
Larry:

This is not an insurance company. It is a Den of Thieves. They take people’s money and give nothing in return. Don’t get into an accident with one of their insureds. You will never get any satisfaction, much less get paid. They do not answer their phones. So don’t waste your time trying to call them. If you do get through to them, they will treat you poorly and outright lie to you. This is the absolute worst insurance company in the world. They should be investigated and put out of business by the authorities.

Tuesday, March 26, 2013
Darroch:

A customer with this insurance company backed into my car in a mall parking lot. The person admitted her fault and wrote out a statement to this effect, dated and signed it. Now the insurance company has offered me half the cost to repair my vehicle. Ripoff

Wednesday, April 3, 2013
Delores Warden:

This company’s insured damaged my car in a parking lot a month ago 03-02-13, $432.00 damage to my 2013 Nissan. They did sent me forms to fill out but now will not answer my calls or return my calls. I have called them every day for a month, on Monday April 1, 2013 when I called their 800 # was no longer in service. I have called them everyday on the local # and left messages with no success. The person that finally answers in their “claim” dept says they are waiting for a Police Report… I provided them with the driver exchange report filled out by the Clearwater Police (happened in a parking lot) and they still insist they need a Police Report, which there isn’t one! My next step will be to sue their insured and hopefully he will in turn go after them. They ignore you hoping that you will go away. That’s not going to happen this time. State of Florida has had over 100 complaints filed about them, how about we find out how to close them down!

Saturday, May 4, 2013
Still In Progress:

For those of you thinking about working with these crooks let me tell you how they treat their customer. All comments below regarding avoidance and failure to respond are true. I was hit by a customer of Ocean Harbor. Ocean Harbor refused to respond and the customer openly acknowledged fault and was found at fault by the police. She was visibly shaken up and I tried to reassure her as they loaded me into the ambulance by letting her know it would be ok and our insurance companies could handle this. I finally had to call a lawyer even though I did not want to. After they investigated it became apparent that Ocean Harbor was trying to look for ways to drop the customer. If this happened we would go to court and the bills would go directly to the customer and this would potentially drive the single Mother into Chapter 11. So I turned to my insurance company, GEICO. These guys are AWESOME, I love them and will never leave them. They began the arduous task of trying to work with these people. After two months of avoidance the claim went to collections directed at the customer not Ocean Harbor. GEICO however is doing everything in their power to make sure I am taken care of even though they will probably never be fully compensated for the loss. We (GEICO and myself) are going to both be out large sums of money because of this event, not to mention the fact that I am going on my third month of physical therapy, my credit is shot and I am now looking to any credit card company that will work with me.

My point being not only is this company negatively impacting their customers and ripping them off but they are causing substantial cost and loss on other companies that do value their customers. As I research them further I am seeing countless reports like this. This leads me to believe that they are a huge drain on the local economy of the state they operate in. This sham of a company needs to be closed down for the good of all. The insured by Ocean Harbor are nothing more than mobile time bombs waiting to cause more financial drain on the economy. How anyone can operate an organization like this and sleep at night indicates a truly twisted and deranged individual.

Run, Run Fast and Run Far.

Monday, May 13, 2013
Daniella:

I been with them for over 6 years, I hit someone and my car got total. Not same here, I’m trying to get in hold with someone since friday (it’s monday afternoon), no one answers or calls back. I’m so worried because my car is not ever payed off yet. I will have to go to the office on Oakland Park Blvd. in Fort Lauderdale to get someone in hold with them :(

Does anyone here got the problem solved afterwords?

Tuesday, July 16, 2013
Ken:

I was rear ended by one of Pearl Holding Group / Ocean Harbor Insurance clients. I have been calling everyday several times a day and leaving messages for 1- Luis Belez an adjuster, 1- Johana Harris an adjuster whose name was given to me by an independent appraiser assigned to my case, she called me, and she also cannot get anyone to call her back from Pearl Holdings. And lastly 1- John, the Adjusters Mgr. This company in my opinion does not care in the least if you are w/o a vehicle, injured or not. They have not even taken a statement from me. I tend to get the impression that they want you to go away. Like I said I was rear ended on my motorcycle in Key Largo by one of their insured customers. My insurance company has been awesome with communication and keeping me in the loop of what is going on. My insurance company is also having problems getting information from Pearl holdings. Pearl caters to bottom of the barrel coverage’s and God help you if you need help from them. In my opinion this company should not be allowed to operate with this type of malice for its customer nor its claimants. I plan to report this company to the FL insurance board. This why people hate insurance companies.

Wednesday, July 31, 2013
Linda:

Curious, a bad insurance company on a lawyers web page. Having the same issues as the other posts on this page. With so many complaints about this company, why has the state of Florida not shut them down? Can you sue the state for allowing these types of companies to remain open?

Thursday, August 1, 2013
Gregory Dell:

Linda,

There need to be numerous complaints to the Florida Department of Insurance before the state will take any action. The state of Florida cannot be sued.

Monday, August 19, 2013
Andres Gonzalez:

My name is Andres Gonzalez. I have been calling this company for almost one year and I cannot get in contact with them. My car was stolen from a gas station, it was found the next day by the Palm Beach Sheriff Dept. Totaled. Tt has affect my credit big time… 11,000.00. I keep calling Maria Long leaving voice mail and messages to other agents and no answer. Please, I need assistance on the next step that I should take.

Thanks,
Andres Gonzalez

Tuesday, August 20, 2013
Gregory Dell:

Andres,

Ocean Harbor is a very difficult company to deal with. You need to deal with them in writ-ing via certified mail. You also need to file a complaint with Florida Department of Financial Services.

Wednesday, October 9, 2013
Lewis Steve Francois:

Been trying to call property damage adjuster at Ext. 197 for weeks now and no response. My truck is in the shop done and I need my money to pay for repairs. I need a rental, lost money and I finally get through to a supervisor who was not available. This company sucks. I will be calling Florida Department of Financial Services.

Thursday, November 14, 2013
Harry Connors:

Truck was totaled by another driver; it’s been 5 weeks since I got my paperwork. This company is the worst, please avoid this company, you will never talk to the person you need to talk to.

Friday, November 15, 2013
Victoria:

My experience with this company; extremely rude, Parasites, flatulence, bottom feeders, combative, incompetent, dung, deceitful, negligent, useless, ignorant, unjust, disrespectful, erroneous, miserable, pungent, putrid, anal, unqualified, irresponsible, thugs, shameful, questionable, shoddy, unreliable, contaminating matter, worthless, sarcastic, hollow, inexperienced, no morals, blockhead, failure, irrational, callous, nimble, below normal levels, senseless, difficult, useless, deranged, needing enemas, detached, abusive. (I am holding back how I really feel)

The Insurance Commissioner should be ashamed to allow this company to have any kind of a license! And my report has been submitted to the BBB. Also, I have been in contact with attorneys.

Tuesday, November 19, 2013
Ibrahim:

The worst insurance company ever. Never returns voice mails . Never respond emails phone calls etc. I would not pay little bit more and insured by professional companies . If you don’t want nightmares stay away from this company …

Monday, April 21, 2014
Randy:

I’ve been with Ocean Harbour for about 4 years. Not a late or missed payment. I added a new vehicle to my existing policy, paid at freeway. Next day received a letter stating they are canceling my policy due to non payment. I called immediately they said it would be OK. Now I have a letter stating it’s being reinstated. I’ve driven with out insurance due to their negligence. Thanks Ocean Harbour.

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