Skip to content Home Page

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.


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:


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

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

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

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

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

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

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:


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.

Andres Gonzalez

Tuesday, August 20, 2013
Gregory Dell:


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

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

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

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.

Wednesday, July 23, 2014

I have the same story. How do we bring a class action suit against them? How many more people are they going to screw? HELP!

Monday, November 24, 2014

I was hit by one of their insureds. I am letting my lawyer handle it all. But these comments scare the hell out of me. I am already without a car, reading these horror stories make me want to vomit…

Tuesday, January 6, 2015

I was rear ended by one of their insured. Not only did she rear end us, she rammed the car in front of her into me. I called them and was on the phone for over 35 minutes. I called back later and was on the phone for 25 minutes. They want me to give them a copy if police report. I can’t have my car fixed through them because I have to mail papers back and forth. I’m going through my insurance company and let them subrogate the fees. I believe they insure the otherwise un-insurable. Too bad for us when we get hurt.

Wednesday, January 7, 2015
Jason Macri:


Sorry to hear about your experience dealing with Ocean Harbor. Please call us at your convenience so we can discuss your case further and see what we can do to help you in this situation.

Friday, March 20, 2015

Dealing with this company has been a nightmare. Everyone is rude, no one returns phone calls. When you do get to speak to someone they don’t have helpful information. I crashed my car a month ago, I received a check a week ago and it was only for $950 but my estimated damages were over $2000 seen of damages. The body shop that my car is at is even having a hard time dealing with them. They need more money to fix my car but they take their sweet time having someone come out. I spoke with my adjuster and told her she needed to have someone come look at my car or I was going to contact a lawyer. She told me that her name was Peggy and to make sure my attorney has my claim number. I don’t understand how it is okay to treat people like this.

Saturday, March 21, 2015
Jason Macri:


Sorry to hear about the way you are being treated by Ocean Harbor. Were you injured in the accident? Who is your automobile insurance company? They may be able to help you get your vehicle fixed more efficiently. Please feel free to call us so we can let you know how we can help.

Sunday, August 2, 2015
C Rodriguez:

My son was insured with Ocean Harbor Casualty and was in an accident in which his car was determined to be totaled. It has been well over a month and he has been unable to contact them. He has left repeated messages and has received NO returned calls. We are wondering what the next step to take would be. He has no vehicle, no compensation, and because he could not get another vehicle within 2 weeks he now has no job. Please advise me on what can be done at this point. Thank you!

Monday, August 3, 2015
Jason Macri:

Hi CRodriguez,

We are sorry to hear about your son’s incident. Was he injured in the accident? Have you sent any certified letters to Ocean Harbor? Please feel free to call us to discuss this matter further.

Wednesday, September 30, 2015
Sidney Boling:

I had a car accident almost two months ago and this company has yet to do ANYTHING to resolve my claim. I can’t even get my agent on the phone. I had an accident TWO MONTHS ago, and it has YET to be resolved. When I call my agent, Selene Gomez, and another women in charge of my case, Laudy (I do not have her last name) they are rude, and have HUNG UP on me several times. If I am on the phone with them, and it hits 4 pm, I am hung up on. When they do not do their job, and I ask to speak to a supervisor, I am hung up on. I have called every day since the accident. I have not received any mail, statements or a check for the damages. I leave a voicemail with my agent every day and she does not call back. If I ask if there is someone else I can speak with, I am told no and hung up on after being treated poorly and unprofessionally. They have NO PROBLEM calling me to collect my monthly payment, but I leave a voice mail EVERY DAY and receive a phone call back MAYBE once a week. This company is ROBBING me. It has been TWO months I have been off the road. Because of this, I was unable to get to my job, so I lost my job and my apartment, and was forced to move home with my parents in Kentucky. This company has literally ruined my life. not only should you not be insured by these people, but this company needs to be SHUT DOWN. This is unjust, cruel and just plain not RIGHT. I have filed my complaint with the BBB, and filed a complaint with the Florida attorney generals office. Please, this company needs to be stopped, and I am doing everything in my power as a young, 22 year old women who was RIPPED OFF and completely taken advantage of.. Please help me.

Friday, October 2, 2015
Jason Macri:

Hi Sidney,

We are sorry to hear about your experience with Ocean Harbor. Were you injured in this accident? Do you have uninsured/underinsured motorist (UM) coverage on your own insurance policy? Please feel free to call us so that we can let you know how we can help you.

Wednesday, October 14, 2015

After reading all of these comments… why don’t we do a class action lawsuit against Ocean Harbor to shut them down? One of their insured hit my car and totaled it and they have perpetually delayed the claim because their irresponsible son won’t come forward to give a statement.

Thursday, October 15, 2015
Attorney Jason Macri:

Hi Ben,

Were you injured in this accident? If so, please feel free to give us a call so that we can let you know how we may be able to help.

Wednesday, March 15, 2017
Tiffany D.:

My car was totaled in a roll over wreck on I 95 last month and then towed to the west way tow company. The next day my husband and I went to sign the car over to be picked up by ocean harbor which was dated 2-2-17. They didn’t pick the car up from the tow yard until 2-14-17 after which they decided the car was a total lose. Here it is march 15 2017 and I still can’t get anyone from the company to answer or return messages from my self my husband or the bank we financed our car threw but they managed to send out papers they want me to sign on a car that we financed for 12,000 and they only want to pay out 6700 on the claim. Long story short…. there trying to low ball us on the claim and still giving us the run around. Can someone please help us with this problem?

Thursday, March 16, 2017
Attorney Jason Macri:

Hi Tiffany,

Who was at fault for the wreck? Is Ocean Harbor your insurance company or the insurance company for someone else involved in the wreck? When did the incident occur? Did you get injured in the wreck? Please feel free to call us so that we can let you know how we may be able to help.

Monday, March 20, 2017

I am having the same issue with this insurance company. My truck was totaled by the person they insure. He totaled my truck, his car and damaged 3 other vehicles in the process. The wreck happened in November 2016. It is now March 20, 2017 and I have yet to see a payment from them. They under valued my truck and refused to take the new VIN NUMBER ON THE NEW ENGINE. I had just spent over 2k on repairs and the day I was suppose to pick it up, well earlier that morning is when the wreck happened. It is such a long story with how they are screwing me over. I hate this company and have no idea why they are still in business.

Tuesday, March 21, 2017
Attorney Jason Macri:

Hi Andrea,

Thanks for reaching out to us. Were you injured in the crash? If so, what are your injuries? Where did the crash occur? How did it happen? Who is your insurance company? What type of coverage do you have? Please feel free to call us so we can let you know how we may be able to help.

Monday, June 12, 2017
Mary G.:

I was just involved and injured in an accident with someone the police said had insurance through this company. I have been on hold for 25 minutes. I finally got a claims agent who hung up on me. My neck is killing me but I’m not going to rack up medical bills if this guy doesn’t have insurance.

Wednesday, June 14, 2017
Attorney Jason Macri:

Hi Mary,

When and where did the incident occur? How did it occur? Have you received any medical treatment yet? Who is your insurance company? Please feel free to call us so that we can let you know how we can help.

Tuesday, June 27, 2017
Kim G.:

I was hit by a young man who is insured by Pearl Holding. I even have the accident on video and they are still disputing what happened. No one was injured. Is there anything that I can do?

Friday, July 7, 2017
Attorney Jason Macri:

Hi Kim,

Was your vehicle damaged? If so, a property damage attorney may be able to help you. If nobody was injured then there is not much we would be able to do to help you in this situation. Feel free to call us though if you’d like to speak about it further. We may be able to recommend someone who can help.

Tuesday, July 11, 2017

I understand the frustration of waiting on hold for longer than we think it should take. Suck it up! Everybody waits on hold for customer service of any kind, anywhere, any company… it’s a fact of life, and it’s not about to change in the foreseeable future. At least after a 40 minute hold, I got a very friendly and personable agent (Valy) who understood our frustration, and worked hard to satisfy my needs. She obviously still had people on hold, waiting for service, but she took her time, was very professional, and never rushed me. Those of you who never had to work in customer service should spend an hour in their shoes… you’ll never complain again!

As for waiting for claims adjustment, if you have a claim number, you’ll just have to wait your turn with the rest of us. Faster service means hiring more agents, which increases overhead and in turn increases your rates! Sometimes you get what you paid for (and nothing more)!

Tuesday, July 11, 2017

I was driving through an intersection and a left hand turning Ocean Harbor insured motorist drove right into my path. The Ft. Myers police had to inform him that he really did not have the right of way in this case… 55 years old and he’s still learning how to drive.

I have a head/neck injury and the car is totaled. I can’t get a hold of anyone at Ocean Harbor/Pearl. Should I just pay for all the repairs and file a claim in Lee county court? What is the advantage of investing so much of my valuable time into their obviously rigged system?
This is ridiculous. Thank you.

Tuesday, July 18, 2017
Attorney Jason Macri:

Hi Mike,

When did this crash happen? Was the other driver cited for the crash? Who is your insurance company? Do you have uninsured motorist coverage on your policy? Please feel free to call us so that we can let you know how we may be able to help.

Share your comments with us. Our lawyers will respond to your comments.

Click here or call us at (800) 383-7853 to schedule an appointment at one of our office locations.

We are available to meet with you at your home, business, or the hospital.

Free telephone consultations are always available.