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Very disappointed with the way Ameriprise handled my claim. I lost over $10,000 of equipment and was only given $2500. In other words, I wasnt made whole by my policy. Hard to work with and rude on the phone. I do not recommend at all! Costco should drop them.

Recently, my car was hit where it was parked in the street in front of my house. No one was in my vehicle at the time of the accident, and the presumed other driver left no note nor informed me of the incident. My Ameriprise experience regarding this incident as awful. My agent was unfriendly and unhelpful, and classified this incident as a collision, rather than as comprehensive damage.
According to your website, comprehensive covers the following:
"This is one of the most basic types of car insurance coverage. By definition, Comprehensive coverage pays for non-collision damages to the insured vehicle and its equipment. Here are a few examples:
A thief breaks into your car.
Your windshield or window shatters or cracks.
Vandals damage your car.
A bird, deer or other animal strikes your car.
Your car is damaged in a fire or explosion.
An earthquake, tornado, hail, windstorm or other natural disaster causes damage to your car.
Something falls onto your car.
Whether these events damage all or part of your vehicle, Comprehensive coverage helps cover the cost of repairs."
From my view, a situation out of the owner's control, in which no one was driving includes situations such as a a branch falling on a car, a deer hitting a parked car or by that same rationale a car hitting a parked car in a grocery lot or on a side street.
Furthermore, let me familiarize you with the collision listed on your website:
"Collision coverage works like Comprehensive coverage, but covers damage that is caused by a collision with a vehicle or other object. If you collide with another vehicle and your vehicle is damaged, Collision coverage will pay for the cost of repairs. Likewise, if you strike an object in the road or even a pole in a parking lot, Collision coverage will be used to help with the repairs."
All of these above listed scenarios seem to refer to the act of you, as the driver, actively striking or being struck by objects or vehicles while occupying your vehicle.
Now, let me share some overall research that I found on other insurance companies' descriptions of collision versus comprehensive coverage:
"With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply." (Progressive)
"The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking." (ValuePenguin Inc.)
It seems to me that if I am no where near or within my car, and an accident, whether it be a branch or a deer or another driver, seems awfully like an "act of God" or at least an act that is utterly out of my control. Perhaps Ameriprise does classify this as collision rather than comprehensive regardless of this logic, but as a young woman navigating this complex and vague sphere of minute insurance classification, I feel completely taken advantage of by Ameriprise. Using vague language to sell a product to an innocent consumer does not seem moral whatsoever. Honestly, at this point, I feel as though Ameriprise deliberately deceived me as their customer, and it is my responsibility to share that experience. If there is someone within the company who could assist me, it would be greatly appreciated.

I have been a policy holder with Ameriprise Auto Insurance through Costco for more than 10 years and they cancelled my policy due to communication issues. After reaching out to them to clarify the issue, they refuse to reinstate my policy because my insurance had been expired for a few days.

The insurance company investigator came to my house he states that my car was a total loss a salvage vehicle now the insurance don't want to paid for the damages I will paid for the repairs Ameriprise said that my car is not salvage I am confused the investigator is denial what he said and the customer service adjuster called my daughter at work a d made my daughter cry very unprofessional lady there is no help from ameriprise

I recently bought Ameriprise insurance policy for my New home. Along with the home insurance, I was offered a home electronics media package. This package is advertised to cover any damages to cell phones. A week ago my cell phone was dropped and the glass screen was broken. Since I have insurance for that damage. I called Ameriprise and they asked me to submit repair estimate. I did what I was asked and my claim was processed. I was happy and everything.
Now, I get a call from Ameriprise saying they are going to cancel my insurance since I have a claim in the first 3 years of new business. This seems to be a shady practice. You expect your consumers to not have any claims for 3 years ? Does that mean you just want your customers money for 3 years straight without actually paying them if there is a issue ? If I would have been informed of such a practice, I would not have even bought a policy from this company.

I recently inquired about getting car insurance thru Ameriprise. I did a quote online and then called to find out as the quote seemed significally less than what I am currently paying. I called on 9/15/17 & spoke with Stephanie. Stephanie informed me that the quote I received online was correct and that the only thing that could impact the quote would be if anything showed up on my motor vehicle report. She ran the report and I was told that it might take 2-24 hours to come back. She stated that she would call me back as soon as it came back. Just out of curiosity, I called on 9/16/17 & spoke with Brain. Brain informed me that the MVR report had come back and that everything was good to go. I told Brian that I would make a decision later into the next week after discussing with a friend but that I would more than likely go with them - it seemed to be better coverage as well as much less for 6 month coverage. Today, 9/19/17, I called to actually purchase the policy. I spoke with another Brain (not sure if it was the same one) and was told that it showed that I had been in an accident on 3/21/17. I told Brain that I had not been in an accident in many years - let alone on 3/21/17 nor have I ever had any tickets. He insisted on telling me that I had been in an accident and then states that a police officer had taken down my license number. Brain stated it was the only way that it would show up in the system as an accident. I started informing Brain that I had a hail damage claim on 3/21/17 and that maybe that is why it was showing as an accident. Again, Brian insisted on the fact that I had an accident on this date. Then Brain says "oh wait, I think you're right." He says once I further look into it, it was "coded wrong" and that it must be the hail damage that you reported to your car. (A car I no longer own). Brain then tells me that he cannot write the policy as I had a claim to the comprehensive coverage of my current insurance. I asked to speak with a supervisor in which Brain connected me to Ray. I informed Ray of all the misinformation that I had received. Ray stated that the MVR report came back late Friday 9/15/17, but that the portion of the MVR report that reports accident/claims didn't come back until yesterday 9/18/17. Ray offered to get me a quote thru Progressive Insurance, however my question to him is why in the hell would I ever allow him or their company to touch any of my personal information after this incident.

I have been with Ameriprise since I believe since 2002 and really appreciate their business. Customer Service is always courteous, knowledgeable, and engaging. I haven't had any negative thing to report about any claims until now. Recently I bought my daughter a 1987 truck and added it to my policy as liability at this time because Ameriprise needed an auto mechanic statement which was provided and pictures which too was provided to upgrade to comprehensive/collision coverage. Simultaneously I was also inquiring quotes for another policy for my daughter because I received a letter stating that as of October if she wasn't removed from my policy that my policy would be canceled, because she lives in another state. When my daughter sent the photos on August 29, 2017 the photos were uploaded to the quoted policy instead of my policy. I was not aware of this until Hurricane Irma came into visited Atlanta Ga on September 11, 2017, something evidently small and round fell on the windshield of the truck with such force as to leave a crater and spider vein like runs across the windshield. When I called to file a claim to replace the windshield, that is when I found out photos of the truck was not attached to my policy but the other which was on a quote not a policy. After speaking with representative (Brittany) the supervisor became involved with the issue to see how the matter would be handled. The pictures were added to my policy, but after "review", I was told earlier that the pictures of the truck qualified for the upgrade, but when I got the follow up call from the supervisor (Nick) at 6:41pm I was told after further review a "small" dent was found on the tailgate of the truck and unfortunately will not be able to move forward with the coverage in order to get the windshield replace. This is not a case in trying to get money or to get over but everything that was required of me to get full coverage was submitted timely. I have spoken with representative about cost difference of liability vs comprehensive/collision and that I would like for the payment to continue to come out of my account. I even inquired if I needed to call back once everything request was received and she said no everything would be handled and a new policy would be sent out reflecting change. I am disappointed that data wasn't properly uploaded timely for review prior to the storm so that the damage (picture provided) to the windshield could be filed for replacement.

They obviously have made friends with the right people to obtain that A+ rating. I Also do not feel that it is deserved. After an auto policy that never started, I receive a letter from a collection agency stating I owe $76.86.??? I did not receive one letter of correspondence from Ameriprise regarding this alleged bill, and it was immediately sent to a collection agency. I DO NOT RECOMMEND INSURING YOUR FAMILY WITH AMERIPRISE. STAY AWAY! COSTCO MEMBERS TOO! Unfortunately, Ameriprise is affiliated with Costco, which is a respectable company.

I was with this company for auto insurance for 12 years. I was the first to sing their praises, until last week. I was pleased with the service, never once late with a payment, never made a single claim in the 12 years. Last week I called to make my payment and was told I had been dropped! They said I was late(by a mere hours) and that I could call back in 6 months and they might take me back. Yea, no thanks! Apparently loyalty means squat! The refused to reinstate, I was willing to take a late fee to stay. I never received a call, email, text, smoke signal, anything warning me that my payment was due... If you are looking for a good insurance company that cares for its clients, keep searching!

I don't understand how this company has an A+ rating. My truck was hit- while parked- by a woman who has an ameriprise auto policy. She admitted it was her fault; I got an estimate right away, and have had it submitted twice; I have called regularly to make sure that everything was handled and find out why I have yet to receive a check, or even a call back, and I get nothing but the run around. Today I finally looked into this company's consumer reviews, and it appears that this is a regular issue. How are they possibly rated an A+ when hundreds of customers are complaining about their business practices? I would not recommend doing business with this company.

I am responding to callous nature of the customer service at Ameriprise Auto & Home Insurance, ***
I have been having either a home or auto insurance with Ameriprise for almost 10 years through Costco. For my current residence I have a home insurance. I bought a new house which is closing mid-September for which I called Ameriprise on 8/15 at 2:17 pm. I got in touch with an agent who was prompt in providing a quote and then mentioned to him that I will need a quote on landlord insurance for my current residence for which he transferred to another agent Jennifer. After mentioning to her that I only needed a quote and not clarifying my needs adequately she decided to cancel my new residence insurance effective 9/15 without asking my permission. I requested her to understand what I am asking her for and then respond. The tone and insensitive nature during the call was uncalled for after a 42 minute call.
My mortgage agent called me on 8/17 and 8/18 mentioning that Ameriprise cancelling my policy after 9/15/17.
On 8/18 at 3 pm on a 24 minute call, I called Bill at the Ameriprise Customer service and he mentioned that they will look into this, but could not do it as his manager was busy. He also mentioned that they could not do it on 8/18 or 8/21 as they are busy. On 8/22, 7:52 am I called Pristine and she had to fix all that I wanted after a 23 minute call.
I then get a call from Eli at 3:55 pm, on 8/22 with no proper explanation on what happened, he was already ‘A day late and a dollar short’.
I need to know from Ameriprise on why
1. Jennifer was rude and unforthcoming/ uncommunicative in the call. Also there needs to be a confirmation from the customer to ensure that they are aware that their insurance is going to be canceled. I should not have learnt it from my mortgage agent. What if my mortgage agent did not communicate and I did not have insurance after 9/15/17.
2. What is the need for an agent to be so aggressive with a customer? Am I a criminal or have I claim anything on my insurance falsely since I have been with Ameriprise.
3. Why Ameriprise needs 2 to 3 days to listen to review a call and also communicate to customer that they do not have time to review their call either on Friday or Monday as they are busy? As a customer I had to put my mortgage application on hold for Ameriprise. I would have gone with another service but stayed back as this was through Costco and Costco always stand by their customers.
I appreciate a response from you in this regard.

Terrible. They lack any physical offices, and use entirely 3rd party vendors (sleazy vendors to boot) to assess vehicles, so they never ever see the faces of who they are dealing with or even LOOK at the car themselves. Rather than negotiate to work out a solution that would work for my situation, they just pushed their callous agenda thru - hurting me emotionally & more importantly financially. (The option of canceling the claim wasn't even given & would have been the best solution, but NO!! they forcefully stripped me of a vehicle over minor cosmetics that did not affect the safety or drivability of the car - the shop I've taken all my vehicles to in the past even felt these people were completely bonkers). Thanks but NO thanks for totaling a vehicle for a little cosmetic damage that was otherwise in pristine condition. Have dropped them in favor of a carrier WITH physical offices, with a real person who can & will LOOK and LISTEN to my concerns.

I've been with Ameriprise for over 14 years for my auto insurance, our last traffic ticket it's over 16 year old. I've recently had a fender bender in a parking lot with $800 damages to my car and scratches in the other car. To make the long story short, after 14 year of NO claims I had one for $800 minus my deductible of $500 I received the whopping amount of $300. Needless to say that my fender-bender was classified as an accident AND THEY RAISED MY PREMIUM IN ALL MY CARS and the total now is 100% MORE...YES from $700 now is $1400 for 6 months...Yes, I've call for an explanation for the 100% increase and the "classification" as an accident "no matter how big of small it was" was the reason for the the increase. But a 100% ? I insisted... and she just kept bring in up the classification, and "that's how it works" horrible company to deal with. Stay away.

Ameriprise is the most unethical and unreasonable insurance company I have ever had to deal with on a claim. Their customer backed out of a parking space into the front end of my vehicle causing $1680 in damages. They have declined to consider the facts of the accident and also eyewitness accounts, and will not settle and pay for 100% of the repair costs for my vehicle. They first contacted me offering to pay 80% of repair costs, and then a few days later offer 85%, and now 90%. They make up the story they want to tell to suit their agenda of paying 80-90% of the repair costs, and ignore the evidence and eyewitness accounts. Shame on Ameriprise for employing unreasonable and unethical business practices!

We had a water pipe burst in my 4 year old's bathroom - destroyed the entire bathroom and part of the garage below. This was the first time I'd been through this type of thing, and as the "victim" of this, I felt like even more of a victim going through Amerprise. The adjuster was abrasive and rude, even stating in one email: "We have been so swamped ... a mitigation invoice had to take a lower priority. I have unfortunately lacked the time to go back and forth. As you can see, I am handling this on a Sunday evening." Essentially Ameriprise was saying we don't value you and have zero sympathy or concern for your loss. There was no explanation of the process and decisions were final. ZERO customer service. I am terribly disappointed, and as one other reviewer said, Costco, wise up! They will be losing a long-time home and auto customer for life.

I have had Amerprise insurance for many years. I have not had an accident in over 10 years or a ticket. I was in an accident this year no one injured and they raised my premium $600 for six months...ouch. They had dropped my daughter due to her driving issues but I was still able to find her full coverage at an A rating insurance company and save $800 for the year. Amerprise you used to be good to you Costco clients but not any longer. I am going shopping and I am pretty positive I can find something a lot cheaper. They are going to loose 2 cars with a homeowners bundled. I am so disappointed in you Amerprise!!!