AO Max Insurance Review: A Cautionary Tale of Poor Customer Service

My AO Max Insurance Nightmare: A Cautionary Tale of Poor Customer Service

summarizeEditor's Summary

I'm sharing my nightmare experience with AO Max Insurance, where poor customer service left me feeling frustrated and taken advantage of. From their lack of communication to their unprofessional staff, I've got the details on why I wouldn't recommend them to anyone. With a year's worth of coverage, I thought I was protected, but AO Max proved me wrong. Don't make the same mistake I did – read on to learn from my experience and find out what went wrong.

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Kalite2/10

Iletisim2/10

Dönüşüm8/10

HizmetKalitesi1/10

My AO Max Insurance Nightmare: A Cautionary Tale of Poor Customer Service

I'll never forget the year I got into a fender bender in 2017. I was a new driver with no experience, and I had to shell out a pretty penny for a year's worth of coverage. AO Max Insurance was one of the few options available, and boy, was that a big mistake.

Fast forward to 2017, when I got into that fender bender. The damage was minimal, but I was still shaken. I called my insurance company, AO Max, and they sent an adjuster to take a look. I thought everything was taken care of, but little did I know, I was in for a wild ride.

The adjuster gave me a Euro-protocol, which I was supposed to send to AO Max within 5 days. I thought, 'No big deal, I'll just send it by mail.' But here's the thing - I had no idea I was supposed to do that. And to make matters worse, the AO Max office was all the way on the other side of town, and they didn't even work on weekends. So, I sent the protocol by mail and forgot all about it.

Three years went by, and I thought I was off the hook. But then, in 2020, I got a surprise visit from the police. It turned out that AO Max had filed a lawsuit against me, claiming I hadn't sent them the Euro-protocol on time. I was taken aback - I had sent it by mail, hadn't I?

I went to court, and the judge listened to my side of the story. But here's the kicker - the other side, AO Max, didn't even show up to court. I was left to explain the whole situation to the judge, who was sympathetic but ultimately couldn't do much to help me.

But the real kicker was when AO Max started sending me texts, offering me a 'deal' to pay my supposed debt with a 20% discount. I was livid - I knew I didn't owe them anything. I ignored their texts and deleted them, but one of them still managed to slip through:

I talked to some lawyers, and it turns out that, by law, I didn't owe AO Max anything. But how was I supposed to prove that I sent the protocol by mail three years ago? It was a Catch-22, and I was stuck.

I ended up having to visit the AO Max office in person, and let me tell you, it was a real treat. The staff looked at me like I was crazy, and told me to just pay up. They said I had one last chance to pay with a 10% discount, and that was it. No other options were available. Thanks, AO Max.

Fast forward to November 2020, and I got a surprise visit from the bailiffs. They had issued a court judgment against me for 20,000 rubles, and they had blocked my credit cards. I had to pay up, and it was a real wake-up call.

Looking back, I wish someone had explained to me how to handle a car accident and the paperwork that comes with it. But no one did, and I was left to figure it out on my own. If you're reading this and have had a similar experience, please share your story - I'd love to hear it.

And to AO Max Insurance, let this be a warning: they have a complete disregard for their customers. Don't make the same mistake I did - stay far, far away from them.

I've learned a valuable lesson from this experience: always read the fine print, and never assume that your insurance company has your back. AO Max Insurance is a company that will take advantage of you, and leave you high and dry when you need them most.

So, if you're in the market for car insurance, do yourself a favor and avoid AO Max Insurance at all costs. There are plenty of other companies out there that will treat you with respect and care. Don't make the same mistake I did - your wallet (and your sanity) will thank you.

Rating: 1/5 stars

Pros: None. Honestly, I'm still trying to figure out what I did wrong.

Cons: Poor customer service, lack of transparency, disregard for customers. And a whole lot of other stuff that I'm still trying to process.

live_helpFeatured FAQ

What happened when you got into a fender bender with AO Max Insurance?

I got into a fender bender in 2017 and thought I was covered with AO Max Insurance. But when I tried to file a claim, I found out that AO Max's customer service was a nightmare – and I mean that literally.

Can I trust AO Max Insurance's customer support?

No, I wouldn't trust AO Max's customer support as far as I could throw it. They're unprofessional, unhelpful, and seem to think they're above the law – which is a huge problem.

What's the return policy like with AO Max Insurance?

AO Max's return policy is a joke – they make it as hard as possible to return your policy, and even then, you're not guaranteed to get your money back.

Is AO Max Insurance worth the money?

No, AO Max Insurance is not worth the money – you get what you pay for, and with AO Max, that means poor customer service, lack of transparency, and a total breakdown in accountability.

Can I get a refund from AO Max Insurance?

Good luck with that – AO Max's refund policy is as clear as mud, and even if you do manage to get a refund, it'll be a battle to the death.

What happened to the adjuster who was supposed to help me with my claim?

The adjuster who was supposed to help me with my claim was a total disaster – they sent me a Euro-protocol that I had no idea I was supposed to send back, and then they just disappeared.

Can I trust AO Max Insurance's management?

No, I wouldn't trust AO Max's management as far as I could throw it – they seem to be either negligent or clueless, leading to a total breakdown in customer service.

What's the worst part about dealing with AO Max Insurance?

The worst part about dealing with AO Max Insurance is the lack of transparency and accountability – they seem to think they're above the law, and that's a huge red flag.

check_circlePros

•Value for money: AO Max Insurance might seem cheap upfront, but you get what you pay for – and it's not worth it.
•Wide coverage options: AO Max offers a range of coverage options, but be prepared for the fine print and a whole lot of hassle.
•Easy online application: AO Max's online application process is straightforward, but that's where the ease ends – and things only get worse from there.
•Customer support: AO Max's customer support is basically non-existent, so good luck getting help when you need it.
•Return policy: AO Max has a return policy, but don't expect them to make it easy for you to return your policy – it's a real challenge.
•Build quality: AO Max's policies are like their customer service – flimsy and lacking substance.

cancelCons

•Napoleonic complex: AO Max's customer service reps seem to have a major attitude problem, thinking they're above the law and can do whatever they want.
•Negligent management: AO Max's management is either clueless or negligent, leading to a total breakdown in customer service.
•Unprofessional staff: AO Max's staff is about as professional as a high schooler's essay – and that's being generous.
•No accountability: AO Max seems to think they're above accountability, which is a huge red flag that should keep you far, far away.
•Lack of transparency: AO Max is as transparent as a politician's promise – and that's not saying much.
•No customer support: AO Max's customer support is a joke – don't expect them to help you when you need it most.