First Chicago Insurance Reviews 

WORST EVER!!!!!!!!!

Calling their 24 hour claims reporting line is a joke! On hold for over 2 hours to report a claim. Never get a call from an adjuster and if they do call they hang up and mark that contact was made, what a joke of an insurance company. They are ripe for a bad faith law suit.

I obtained a policy with them and canceled it the following day because I end up not getting the car that I obtained it for. The rep that I spoke to about the cancellation told me I would receive my refund in 7-10 business day. Never received it. After 2 weeks passed, I called the company to inquire and then was informed that I would receive the refund as a check instead of direct deposit like I was originally told. It went from taking 7-10 business days to taking 30 days to receive the check by mail. This is ridiculous. Then after waiting almost a month, I call to inquire again and then was informed that they had the wrong address on file. How is that even possible? I demanded to receive direct deposit for the refund since they screwed up the first check. For some reason they claim they cant do direct deposit, so now I’m forced to wait an additional 7-10 business days for my check. I am highly upset and frustrated. They had no problem withdrawing from my account to start the policy but can’t deposit it back. Sounds like some bs. Now I have to wait for a check again. Not to mention the refund isn’t even the full amount that I paid. Considering I cancel it the next day I would have expect the difference to be $50 or so, not a difference of $100+. I didn’t even have the policy a full 24 hours. If I could I would have given them 0 stars.

If I could give negative 10 stars I would!
Hit a deer over 3 weeks ago and my damaged car still sits in my driveway!
Do not go with this company!
I will update this review every day until they do their job!

If I could give this company no stars I would. This guy at the auction gave me a direct number for this insurance. I was only going to keep them for a month temporarily then get regular named insurance. Someone broke into my car 19 days ago, 10 days after i got my car and policy. It is taking forever to get the police report even though I been calling them everyday since to hurry up the process. Some days I am on hold for 6 to 8 hours with no one to answer. Today the lady told me to send my bill of sales to try and hurry the process for me, once I did she said she will not be in the office for two weeks. Why say you're going to try and help me then say you won't be in the office for 2 weeks. On top of that they gave me a cancelation notice email and text 2 weeks after I signed up for their insurance to scare me. I am not paying another $290 while they do nothing. I rather pay the $800-$900 in damage for the windows and steering column area and get better insurance asap then give them the $800-900 for the deductible and $290 for another months insurance to wait more weeks and weeks for nothing to happen. I almost broke down then read a review about a ladies husband breaking down.

Terrible company leave now before it’s late

they stole my car on March 19 they told me to take a maximum of $900 I don't have a car I call them every day he doesn't answer I leave a voice message he doesn't call me back even though I don't have a car there lady told me they will call me for the estimate but he does not call me I am desperate

this is the worst company and our biggest mistake !!! 2 years ago my husband hit a deer damaging the front of his car to this day that never got fixed because you cannot get anyone to answer phones or give you answers or follow up on calling you back! fast forward to today..on September 24th 2022 my husband was in an accident in a 2012 mitsubishi galante the car is totaled they said they will give us 500.00 for that car because of the prior damage to the car!! you mean the damage u never settled with us 2 years ago??? to beat that to this day Nov 16th we still have no check and i have been on phone and hold countless times am writing this while on hold for over an hour right now,,, my best advice do yourself a favor and do not insure your vehicle through this company I promise you will regret it

My car was stolen with keys push start they took my bookbag laptop music everything n damage My car I've full coverage first Chicago Insurance denied my keys cuz keys was n car n no force entry someone plz help I've police report n everything 7089435375

First Chicago is the worst insurance company I have ever dealt with. When something is their driver’s fault, they won’t pay out even with proof. It was nearly impossible to even get that far into the claim because they never answer the phone, or when they do they say they say nothing has been done because they are working on other claims.

Unfortunately my husband was a victim of car theft but was thankfully not harmed. Having left his car in a gated driveway, his car was stolen. We imagine they had an antilock system/software or found his keys lying nearby as there was no 'evidence' of forcible entry and/or tampered with the gates when trespassing on private property.

* Criminal sophistication these days is unparalleled so to say there is no evidence of forcible entry is naive, outdated and simply irrelevant in this case. Period.

Doing the right thing, he called the police and his insurance company immediately and handed over the CCTV footage once he obtained this.

First insurance DENIED this claim. First Chigaco admitted/agreed that the car was stolen, absolutely there was no speculation surrounding this- its on the CCTV footage. You can clearly see the thief robbing surrounding cars and then managing to enter his car (still unknown as to how). However, First Chicago decided that the car was not stolen 'aggressively enough' to warrant a claim. We were sent a denial letter stating that they will only cover forcible entry of a stolen car, not just simply a stolen car. The car basically has to be stolen in an aggressive manner only, not just stolen....

Now, you can only imagine the devastation this can cause to a human life. Not only did that car still have a balance owed (which the gap insurance would cover if First Chiago would pay out something- $100 even but of course they didn't), but my husband would now have to buy another car. A young man, doing the right thing to be smacked in the face and laughed at by Chicago First. To witness my husband for the first time in his life break down, shut down and panic beyond belief was one of the most traumatic things to witness. A sudden shock of looming debt, inability to travel 'aggressively' changes the course of his next 5 years perhaps.

It is sickening to think that your company would proudly KILL off a human financially just to not have to pay out on a comprehensive cover policy. I am dismayed at the lack of sheer understanding, empathy of solution offering on this matter. A simple denial letter and I'm sure a celebration of a target reached to NOT take care of your loyal customers. Utterly sickening.

Thank goodness the Lord himself witnessed your FOUL play and the car was eventually later recovered by CPD. Now, CPD did not notify my husband nor the insurance company that the car was found....yep the bad luck continues. Only by chance, did we call every tow company in Chicago to be surprised with the fact that the car was actually recovered a few weeks prior. A bill of
$2K from the tow company (CPD even stated the facts of not notifying), and some obvious physical damage to the car interior/exterior- we thought to call Chicago First with the GREAT news of this new/adjusted claim would be a wonderful solution. NO, denied again because the car just wasn't stolen to their liking.

The tow company were even that dismayed at the fact that you denied his claim they even gave us a discount....

And before you sit and reply with "under section 6 of your Policy we need to know there was forcible entry before we submit a claim" PROVE to us that an antilock system wasn't used, tell us how trespassing isn't forcible entry when you cannot prove the gate wasn't tampered with and for the love of god, why a stolen car needs to be stolen aggressively to even warrant a claim on COMPREHENSIVE cover. How about a THEIF entering a car without permission being aggressive? He's hardly there to provide a valet service. Would you advise us to go out and fight the thief before the car is robbed/stolen? We need to prove forcible entry (and how are we meant to do this when the car is stolen...), how about YOU prove there wasn't forcible entry?! Why does forcible entry even matter? The car was stolen. FACT.

Also, the full policy was not ever set to my husband when buying insurance from you. What a further kick in the teeth that was. We were sent the full policy after the denial letter...

So Chicago First, why would ANYONE come to you as a customer if the above is how you respond to claims? Why do you find it ok to devastate someone financially/emotionally when they pay their comprehensive car insurance?

To the decision maker and everyone else who denied his claim, (I will not put her name in here because we embody respect and empathy for human beings) I hope you go home happy knowing you almost devastated the life of a young man who was subject to an unfortunate car theft and did the right thing by turning over all the evidence he had. You are no better than the man who was eventually arrested for the car theft.

To those reading this review, spread this message. You yourselves could be the next victims of Chicago First, the real thieves in this world. Shame on you.

Tried calling this company to get quotes for auto insurance coverage. The first time I called, I waited for 21 minutes then was automatically cut off. I called back and the call was dropped a second time after waiting 16 minutes. Their website says they've been in business since 1920. Kinda seems like they've still got some of the same employees who were running the company in the 1920s! Hello, is anybody home at First Chicago??? If I can't even get quotes on a policy I sure don't want to be the one trying to file a claim with this place!

Staff has been very helpful and professional.

ALWAYS LOOKING FOR EXCUSES NOT TO COMPENSATE PEOPLE

Very helpful, quick and efficient.

Great fast and quick claim service, hope that the repair is quick accurate and in a timely manner

I WOULD NOT RECOMMEND THIS INSURANCE COMPANY TO MY WORST ENEMY!

Just liked their attitude. Been with y’all for a year, had some different issues and customer service was always great.

They are very professional on the telephone and the young lady was very patient with me while I was giving her all the information I had

She was very polite, professional and patient.