Ocean Harbor Insurance

"I canceled my insurance after returning my car in sept. However ocean harbor gave info to FDMV that I drove with no insurance and now my license is suspended. I don't have $500 to reinstate at this time. I am recovering from recent surgery. I have attempted to contact Ocean Harbor with no luck. If someone can help me that would be great."

"if i could give this place 0 stars i would. the lady gerlene picked up the phone and has terrible customer service, my adjuster hasnt reached out to me since i filed the claim more than 2 weeks ago, olivia charles and the customer service rep and everyone else here are incompetent people who dont care about their jobs and/ or clients. worst insurance company ever"

"Craig Hamway - Chief Executive Officer of Pearl Holding Group is not doing his job because, this is the worst experience I have had with an insurance company. Their adjuster, Liza V. Rodriguez Collision Adjuster, has very little knowledge of what she is doing. They have had my claim for a month and still seem lost as to what they are doing to fix my car. It is so bad that the Mercedes-Benz dealership doesn’t even understand what they’re talking about. They have been making up policies as they go. My car has been sitting at a dealership where they refuse to pay the storage charges. The adjuster, Liza V. Rodriguez, suggested that I leave my car in the street where the incident happened for a month and they would’ve came, and did an inspection there instead of having my car towed to the dealership. This company is a fraud they don’t want to pay they just want to collect, they don’t know how to conduct business, they try to find loop holes to get over on their customers instead of help them. STAY FAR AWAY FROM THIS COMPANY or you will regret it!!!!!!"

"I’ll never recommend this company. They are the worse insurance company ever. The only thing that matters to them is to take your money. They don’t know about customer service or how to treat good their customers. Stay away from them!!Son una estafa!"

"I had Ocean Harbor for my car insurance for 4 and a half years before I needed to use them to file a claim. I was involved in an accident on 6/5/23 and I didn't receive my claim funds until 7/11/23. It was a frustrating 5 week ordeal trying to navigate Ocean Harbor! When I first called to file my claim I was on hold for 90 minutes before I was able to speak to a live person. After the initial claim phone call any subsequent phone calls to the "assigned" adjuster was a very frustrating experience. I was first assigned to someone who was out on maternity leave! After several emails and phone calls I was referred to a new adjuster who was inconsistent in responding back to me in a timely manner. The operating hours to reach the adjuster was weekdays from 9am - 4pm. That's it! Such a small window of time to be able to speak to someone! When my car needed to be towed to one of their storage facilities it took over a week! I needed to call repeatedly to find out when my car would be picked up and I was told different answers as to when it would be done. Even though it was a very long process with Ocean Harbor they did come through for me and paid me a higher amount for the value of my car which was deemed a total loss. I was pleasantly surprised! I would give Ocean Harbor an average rating despite the long and frustrating experience of dealing with them. Their monthly premium rates were very reasonable and if you don't need to file a claim everything is fine but once you need more from them it turns into an ordeal. I would recommend trying to obtain other insurance companies first before using Ocean Harbor. But I will say in the end they came through for me and helped me with a generous offer to pay for the loss of my vehicle and that put me in a better financial situation to be able to obtain a very nice vehicle. I decided to switch insurance companies and I no longer will use them in the future unless I absolutely needed to."