Cseinsurance

I have been a CSE customer for a while, but I am very disappointed, and will find another company. I will present only the facts, and will leave it to the readers to figure out why I am so upset by CSE: on Saturday, 7/25/2020, I filed a claim. The claim agent, David Hernandez, contacted me on Monday, 7/27, and was responsive at that time. We agreed on a repair shop, and he started the procedure for issuing a check. There was about $1,000 difference between the shop's estimate and CSE's estimate, which I forgot about when I was talking to David Hernandez on Monday, 7/27. Therefore, I tried to get clarifications from David Hernandez (CSE) on Tuesday, 7/28, who will cover the difference. I was not getting a reply, so I decided to risk and deal with the estimate difference later. I contacted the shop on Tuesday, 7/28, to leave the car for repairs, but it turned out that the shop was very busy. Since I could not afford to be without a car for more than 3-4 days, I decided to use another shop. I found one, which had even a slightly better rating than the first one, and which agreed to repair my car in much more reasonable time. Unfortunately, this is my first claim, and I am not familiar with the process. I thought I had to get CSE's permission to switch repair shops. Therefore, between 4:10 p.m. and 4:21 p.m. on Tuesday, 7/28, I left an urgent voice mail, text message, and an e-mail to David Hernandez, CSE. I was not getting any reply, so on Wednesday, 7/29, in the morning, I tried to reach him again (please remember I was not familiar with the claim process, so I thought I had to obtain CSE's approval to switch shops, and that I could be without car no longer than 3-4 days). I could talk to him only after I had to call CSE FOUR times (the two claim operators kept connecting me to David Hernandez's line, even though I let them know, after the first time, that David Hernandez was not picking up his phone). Anyway, on Wednesday, 7/29, around 11:00 a.m., we spoke, and I requested switching the shops. Please note, the second shop has agreed to meet CSE estimate, while the first shop's estimate was higher with approximately $1,000, AND the second shop committed to finish the repairs by the end of the day on Friday, 7/31, which means that I would have saved CSE money on rental car (I have the coverage). The only thing I requested in return from CSE was to expedite/overnight the check, so I could pay the shop on 7/31, and pick up my car. CSE refused to expedite the check, even though I was saving CSE about $1,000, and the costs for a rental car for 6-7 days. When I shared my experience with CSE (they pretend to care about their customers, so I received a link to write them back), I received a call from a Kyle Norman, Claims Operations Manager. According to him, it was my fault for the check being delayed, since I requested to switch shops. Never mind that the second shop saves them a ton of money. What really upset me about this Kyle Norman was: a/ he tried to use ridiculous arguments to prove to me that everything was my fault, for example he tried to convince me that even if they had overnighted the check, I would not have received it earlier (? I still can't believe that a reasonable person would say that); b/ he (Kyle Norman) lied to me – again, to prove to me that everything was my fault: David Hernandez said that CSE checks come from Walnut Creek, California, while Kyle Norman said the CSE checks come from the East Coast, and when the check finally came, it came from Wells Fargo in…Walnut Creek, California. If the Claims Operations Manager shows no flexibility, and on top of it – lies to customers, and acts according to the principle "I am right, and the client is wrong" by even using ridiculous arguments, then what could the customers expect from the regular claim adjusters?