DIRECT AUTO INSURANCE COMPANY, COLLECTS MONEY FROM IRRESPONSIBLE DRIVERS AND THEN DENIES ALL CLAIMS - REAR-ENDS YOU LIKE THEIR INSURED Chicago Illinois

DIRET AUTO INSURANCE COMPANY IS A SCAM!!!! STAY AWAY FROM THEM AND FROM THEIR INSURED! THIS IS WORSE THAN BEING HIT BY A NON-INSURED DRIVER!!!

Fenruary 19, 2015, 6 pm, Rolling Meadows. 

I was stopped at  aread light on a major intersection. Algonquin and Golf.
This idiot rear-ends me and crushed my rear bumper. He failed to stop because he was driving on a torn rear tire, litteraly on the metal rim while sparks were coming out. Comes out and gives me an expired temporary insurance card and a state ID, NOT a driver's licence. He is 17!!! Says he was coming from school and was in a hurry to see his girlfriend and the new born!!!! Good thing I called the Rolling Meadows Police. When the officer came I gave him the documents the guy gave me and the Officer shaked his head saying that's not a DL. The kid then says oh here is my new insurance card, that one was the old card....Police Office issued him 3 violation tickets and arrested him and imponded his car. I called the insurance and the agent said I must call before 5pm. I called next morning and filed a claim with Direct Auto Insurance Company. The assured me the claim is filed and asked for my docuemtns. They mailed me a form to fill out. On the form they stated that all accidents will be paid out based on the percentage of fault assigned to their insured. I mailed all documents and pictures and responded that in this case their insured has 100% fault for failing to stop at a red light and thus rearend-ing a stopped vehicle. They took their sweet time to review. I kept calling them. EVENTUALLY, THE RUDE AND ILLITERATE AGENT ON THE PHONE, FATIMA, STATED THEY WILL NOT PAY THE CLAIM BECAUSE THEIR INSURED, JULIO GOMEZ, DID NOT REPORT THE ACCIDENT TO THEM WITHIN 30 DAYS, REGARDLESS OF THE FACT THAT I REPORTED THAT TO THEM AND PROVIDED A POLICE REPORT. The most rediculous denial. I made the insured go to their office to give them whatever statement they need. They took written statement from him of the accident and still said the calim is denied! They never sent me denial in the mail, nothing written! The insured then says, since his insurance does not want to pay then he will not pay either. That seems to be a very convenient loop hole. Hit others, cause accidents and damages, don't report to your insurance and you never have to pay a dime for being reckless and irresponsible on the road. DIRECT AUTO INSURANCE COMPANY IS A SCAM, THAT HAS FOUND A WAY TO MAKE MONEY BY ISSUING USELESS INSURANCE CARDS FOR POLICIES THAT COVER 0 DAMAGES, AND THUS THEY PAY $0 ON CLAIMS!

ILLINOIS STATE NEEDS TO SHUT THEM DOWN AND ADD PROVISION IN THE REGULATIONS TO MAKE THE DENIAL BASED ON THE BEFORE MENTIONED REASON UNLAWFULL.