Mendota Insurance Company Review & Complaints: Auto Insurance (2024)

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Based out of Minnesota, Mendota Insurance Company is focused on the non-standard auto insurance market selling niche insurance to customers. They provide coverage to drivers who are having trouble obtaining it elsewhere across the country.

What is Mendota insurance?

Mendota Insurance has been in business since 1989 and offers auto insurance in the non-standard market. The specialty insurance company is a wholly-owned subsidiary of Kingsway Financial Services, Inc. The  casualty insurer’s website is very bare-bones and dated, and there is not a lot of specific information regarding the company’s history.

Auto insurance is the company’s main product, and it is sold by independent agents across the country. They also offer flood insurance, but this is underwritten by American Bankers Insurance Company and not directly. Auto appears to be the only product Mendota insurance company underwrites in North America.

Read more: American Bankers Insurance Company Review & Complaints: Home Insurance

Mendota Insurance headquarters is located in Eagan, Minnesota, but they have offices in various locations including California and Tennessee.

Does Mendota offer auto insurance coverage?

The Mendota website does not offer much in the way of detail regarding their auto insurance program. The website simply states that they insure drivers that have trouble getting coverage elsewhere, and to contact an agent for more information.

This type of company typically writes a lot of bare bones, legal minimum policies. That is mainly due to the fact that drivers in search of non-standard insurance are facing very high rates due to their status as high-risk drivers, and as a result, frequently choose only basic insurance to save money.

We would assume that Mendota offers coverage options beyond the legal requirements for liability, but the site offers no real information on their coverage.

Are the rates competitive?

It is not surprising to see the lack of information regarding rates on the Mendota site. Online quoting is not offered and quotes can only be obtained through an insurance agent.

Since this is a non-standard insurance company, rates are only comparable to other similar companies and not to standard insurance company rates. We did find many comments in the reviews of this company stating that their rates were low, but we are unable to provide a comparison.

Simplified Claim Process at Mendota Insurance Company

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Mendota Insurance Company offers a straightforward and accessible claims process for its customers. Whether you prefer the convenience of online filing, a quick phone call, or even using their mobile app, Mendota provides multiple avenues to report and initiate a claim.

This flexibility ensures that policyholders can choose the method that suits them best, making the claims experience more user-friendly.

Average Claim Processing Time

The speed at which an insurance company processes claims can significantly impact customers’ satisfaction. While specific processing times may vary based on the complexity of each claim, Mendota Insurance aims to handle claims promptly and efficiently.

Customers can expect to receive instructions on the claims process, including any additional steps or documentation required, upon filing a claim.

Customer Feedback on Claim Resolutions and Payouts

The satisfaction of policyholders with their claim resolutions and payouts is crucial. Mendota Insurance Company has received feedback from customers regarding their claims experience. This feedback can provide valuable insights into the company’s performance in this regard.

Mendota Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Mendota Insurance offers a mobile app designed to make managing policies and filing claims more convenient. Policyholders can access features like policy information, claim tracking, and even initiate claim reporting directly through the app. The user-friendly interface ensures that customers can navigate and utilize these features with ease.

Online Account Management Capabilities

Mendota’s online portal, MyMendota.com, empowers policyholders to manage their insurance accounts from the comfort of their computers or mobile devices. Through this portal, customers can access policy details, make payments, and track the status of their claims. The ability to manage policies online adds a level of convenience and accessibility to Mendota’s services.

Digital Tools and Resources

Beyond basic account management, Mendota Insurance provides digital tools and resources to assist customers in understanding their coverage and making informed decisions. These tools may include educational materials, insurance calculators, and FAQs to address common queries.

Are ratings and consumer reviews positive?

Mendota has an A- rating from the Better Business Bureau (BBB), with a total of ten complaints on file in the past three years. These complaints appear to be the basis for the slightly lowered rating, although in our experience that is not a high complaint volume even for a smaller company.

Consumer Affairs has 91 reviews of Mendota, 81 of which left star ratings that result in an overall 1.5-star rating. The majority of the reviews are negative, with a few positive reviews scattered in. Most of the complaints are regarding poor customer service, difficulty with claims, and billing issues.

Google has 134 reviews of Mendota, and the resulting rating is 1.2 stars. Again, there are a lot of complaints about claims handling and difficulty reaching company representatives. The overall impression is very negative.

What is the bottom line?

Non-standard insurance can be difficult to find at a good price and with good service, but it is likely that there are better choices out there. Mendota’s lack of information available and the repeated complaints about claims problems throw up some red flags that lead us to recommend looking elsewhere.