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Business Profile

Insurance Companies

Arbella Insurance Group

Headquarters

Complaints

This profile includes complaints for Arbella Insurance Group's headquarters and its corporate-owned locations. To view all corporate locations, see

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Arbella Insurance Group has 9 locations, listed below.

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    Customer Complaints Summary

    • 32 total complaints in the last 3 years.
    • 23 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/24/2025

      Type:Service or Repair Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 5/16/25 my wife was rear ended by a commercial vehicle covered by Arbella. The next day ***** ***** called my wife in a rage frantically asking her how may I help you. She spoke with him about her medical visit. 5/21 he called her bullying her demanding that its best for her to go through my insurance because he wouldnt cover the claim; later that day my 2 calls were not returned. 5/22 he call me threatening not to cover the claim and I should go through Allstate. 5/29, 6/5, twice on 6/16 I received threatening emails demanding that I go through ********. I had the body shop reach out to ***** on 6/2, 6/3 & 6/5and sent before and after pictures. Arbella eventually took sole responsibility for the accident Today my car is ready for pick up, but only the rental was paid for by Arbella. I called ***** he returned my called to summarize he stated that I did honor his request to get Allstate to send pictures so he will not pay for the car I systematically reviewed his unprofessional behavior and bullying over the last 6 weeks. He in a condescending tone ask was I finished because he stopped answering questions. I asked could he record the call. I asked why what was the purpose he changed from being smug and condescending to extremely evasive. I asked him when was he going to start recording the call he didnt answer and started acting sheepish, and hung up the phone. I have more in depth details including emails but there is a character limit. Claim number is *********.

      Business Response

      Date: 07/02/2025

      July 01, 2025

      Better Business Bureau
      5 Mt. ***********************
      ***********, *******; 01752-1927

      RE: Complaint number 23513888

      To Whom It May Concern,

      On June 26, 2025, I contacted the complainant directly regarding their experience described in their complaint. After an extended discussion and review of relevant documentation a mutual understanding was met regarding the reason for the outcome of their experience.

      We consider this matter amicably resolved.  

      Best Regards,

      ******* ***** *****
      Director
      Claims

      Customer Answer

      Date: 07/10/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

      Regards,

      ******** ********
    • Initial Complaint

      Date:06/13/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to formally express serious concerns about the mishandling of my vehicle repair claim, which has evolved from a routine case into a prolonged ordeal marked by negligence, safety risks, and a complete lack of accountability.Summary of Issues:Initial Misdiagnosis: I was wrongly told the issue was transmission wear and tear and pressured to retrieve a non-functional, unsafe vehicle.Engine Damage: Your appraiser started the engine with no oil, causing critical damage. This was only discovered later by the repair shop.Unauthorized Engine Replacement: I was never informed the engine would be replaced. To this day, I dont know:Who replaced it (your partner shop or the ******* dealership)?Whether it's new, rebuilt, or used?What warranty applies?Life-Threatening Safety Failure: After being told the car was safe, it suffered a braking failure that nearly caused an accident involving a family member.Negligent Repairs: Your recommended shop returned the car with a broken rim and it broke down again within 24 hours. No accountability was taken.Ongoing Issues:Only 3 of 5 supplements were provided, despite claims all were ******* request for a third-party safety inspection has not been acknowledged.Ive asked for confirmation that I wont be charged storage feesno response.Most importantly, Ive repeatedly asked for a reassessment to determine if this vehicle shouldve been totaled.Formal Demands:Full breakdown of repairs, parts, and all 5 supplements.Engine replacement details: who performed it, what kind of engine, and warranty info.Certified third-party safety inspection at your expense.Written assurance I wont be liable for fees during this dispute.Reassessment for total loss due to repeated failures and major component replacement.This is now a matter of safety and good faith. If I dont receive a full response within 48 hours, I will escalate to state regulators, ******* Corporate, and legal counsel.

      Business Response

      Date: 06/18/2025

      June 17, 2025

      Better Business
      Bureau
      5 Mt. Royal Avenue,
      Suite 100
      Marlborough,
      MA  01752-1927

      RE:  Complaint #23464886

      Dear Sir/Madam,

      I would like to respond directly to you
      regarding your complaint filed with the Better Business Bureau on June 17,
      2025.  We are required to protect your
      sensitive personal information. 
      Therefore, a detailed response to your complaint would not be
      appropriate on a public facing page. 

      The details of your complaint are identical to the ones you posed in an e-mail
      to the Arbella adjuster and subsequently the Arbella Team Manager.  A comprehensive response has previously been
      provided to you via email.

      Best Regards,

      John Perlowski -
      Claim
       Arbella
      Insurance Group
      PO Box 699195
      Wakefield MA 01810
      Tel: 800-232-0619
      ext. 7611
      [email protected]

    • Initial Complaint

      Date:06/04/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Arbella upped the replacement value for my house on my home insurance after I paid the premium in full this March and set me an additional bill for coverage. I have asked my insurance agent to look into this. Arbella should have raised the replacement value prior to issuing a quote for renewal.

      Business Response

      Date: 06/12/2025

      06/12/2025


      Better Business Bureau
      5 Mt. ***********************
      *************** 01752-1927
      RE: Complaint# ********

      To Whom It May Concern,


      On 06/12/2025 I contacted the complainant directly regarding their experience described in their complaint. I explained
      how we have decided to rectify the situation for them.


      We consider this matter amicably resolved.


      Best Regards,


      ***** *******
      Contact Center Business Technician
      Customer Service
      **********************
      ***********************************************************************************
      Tel: ************************
      fax: ************
      ************************************************************************

    • Initial Complaint

      Date:04/25/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I opened up a claim in February regarding a collision I had and only once has my claim specialist been in contact with me. I have been reaching out with questions and some have been answered from me calling the general number. Other questions can only be answered by my claim specialist and whenever I call im told a message has been past on. I still havent heard back from her and its been almost 3 months. I have provided everything asked for on my end.

      Business Response

      Date: 05/05/2025

      5/5/2025



      Better Business Bureau
      5 Mt. **********************
      ***********,*******; 01752-1927

      RE:  Complaint# ********

      To Whom It May Concern,

      This response is confirmation that we are in receipt of this complaint and are reviewing the situation further. We are required to protect the sensitive personal information of our customers and complainants. Therefore, a detailed response to this complaint would not be appropriate on a public facing page. 

      Arbella will be in direct contact with the complainant and an official response will be posted thereafter.

      Best Regards,

      Arbella Customer Service

    • Initial Complaint

      Date:04/22/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, I have a two part issue same issue. Was in An accident long story short barley taped another car in the rear no damage was done there was prior damage on his car and a very bad language barrier. I took pictures of everything and explained hey red paint my cars silver along with others was told they would call me they added points to my license didnt tell me a thing. Not even a letter to appeal. Now I get a letter in the mail stating I was in an accident in October when I was at work that day weird? My mother was actually in the car accident the police report shows her name and signature along with her check of the appeal. Well they put the accident under my name and sent me a letter in the mail stating issue with check that was sent. The mailing address name everything has nothing to do with me. Gets better company is unaware of claim number doesnt pull up an accident, the employee connected to claim doesnt even work for the company anymore? I called yesterday was told a manager would call me within a couple hours still till this moment nobody has called me. This company has something going on and this is unfair to me especially adding points to my license wrongfully! We pay for ********************** to help us not to do the complete opposite.if this cant be resolved I will be changing insurance companies, hoping sending this over I can get some sort of help.

      Business Response

      Date: 05/01/2025

      April 28, 2025

      Better Business Bureau
      5 Mt. ************,Suite 100
      ***********,*******; 01752-1927

      RE:  Complaint #: 23235518

      Dear ******************* would like to respond directly to you regarding your complaint filed with the Better Business Bureau on April 22, 2025.  We are required to protect your sensitive personal information.  Therefore, a detailed response to your complaint would not be appropriate on a public facing page. 

      I attempted to reach you on April 23rd and April 24th at the contact information provided on your complaint to discuss your experience and offer a resolution, however the information did not lead to a successful connection.

      I would ask that you either call or email me directly so that we may discuss this matter in further detail.  My contact information is listed below.

      Best Regards,

      ***** *********
      Claim Tech Team Manager
      **********************************************************************************
      ******************


    • Initial Complaint

      Date:03/04/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      August/September 2024 I contacted a roofer to determine if I needed to replace my roof and indeed it was time. The roofer explained to me that there was evidence of wind damage to portions of the roof and to file a claim with my home owner's insurance (Arbella) to see if they would cover a portion of the damages to aid in the cost of replacing the roof. I filed the claim. An adjuster came and reported findings. The roof cost about $15K, the insurance company covered about 2/3s of it, about $10K.The adjusted had also noted need for repairs to the chimneys. The roofer replaced the lead flashing to all of the chimneys. Work was completed in October 2024. The insurance company reached out about the state of the chimney repairs. I mentioned that the flashing had been replaced and that I would seek a ***** to have the chimneys repaired in the spring. I then was threatened with a non-renewal to my policy effective 3/26/25 for failure to maintain my property. I contacted several masons and one came out in January to give me an estimate of the repairs, but said the work should be done in the warmer weather because any repairs done immediately would likely needed to be redone in spring.I was told by the Beringstar Insurance agent that if I provided an estimate and was told the work should be done in the Spring, that they would request rescinding of the nonrenewal notice. This did not happen. I had this policy for 10 years, probably paid pretty low premiums considering costs today, and I can only imaging that my legitimate claim cut too deep into the profits of the insurance company, so any reason to discharge me as a customer would be better for their bottom line. I realize this is speculation, but their decision is based on zero facts (that I fail to maintain my property despite taking steps each step of the way to care for my property and informing them of them) and is inextricably linked to having to pay a claim that far exceeds the premium they collect from me.

      Business Response

      Date: 03/14/2025

      March 14, 2025

      Better Business Bureau
      5 Mt. **********************
      ***********,*******; 01752-1927

      RE:  Complaint# ********

      Attention Better Business Bureau:

      On 03/07/2025 Arbella contacted the complainants independent insurance agent and advised of their options to resolve the situation described in this complaint. They were satisfied with the options, and we consider this matter resolved.

      As we are required to protect the sensitive personal information of our customers, insureds and claimants, a detailed response to this complaint would not be appropriate on a public facing page. I am available to call or email directly if the complainant wishes to discuss this matter in further detail.  My contact information is listed below.

       Best Regards,

      ******* *****
      Contact Center Business Technician
      Customer Service

      **********************
      ********************************************
      tel: ***********************

    • Initial Complaint

      Date:02/24/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 3/8/24, I purchased a one-year car insurance policy (3/8/24 - 3/8/25) through Appletree Insurance Agency with Arbella Insurance Company. Since I sold my car on 12/31/24, I contacted Appletree Insurance Agency on 1/3/25 to terminate the policy and request a refund of the remaining premium, attaching a copy of the *** canceled plate receipt.Appletree Insurance Agency informed me on 1/4/25 and 1/8/25 that they had received my application and submitted the documents to Arbella Insurance Company, and that a refund check would be sent to me. However, so far, I have not received the refund but instead received a new policy and a payment reminder. On 1/31/25, I received an email from Arbella Insurance Company stating that a new policy had been generated. On 2/14/25, I received the new policy in paper form, and on 2/23/25, I received a paper notice to pay the new policy premium.During the process of handling this matter, I have contacted Arbella Insurance Company, who stated that all my business must be handled through Appletree Insurance Agency. Due to poor communication between the two companies and the unprofessionalism of Appletree Insurance Agency, two months have passed, and not only have I not received a refund, but an unnecessary new policy has been generated. This has not only caused me inconvenience but may also damage my credit. I am now filing a complaint with BBB, requesting that Arbella Insurance Company cancel the new policy and refund the remaining premium of the original policy.

      Business Response

      Date: 03/05/2025

      3/5/2025


      Better Business Bureau
      5 Mt. ************,Suite 100
      ***********,*******; 01752-1927

      RE:  Complaint# ********

      To Whom It May Concern,

      On 3/5/2025, I contacted the complainant directly regarding the experience described in their complaint and their requested resolution. This contact included confirmation that their requests were completed as they outlined in the complaint.

      We consider this matter amicably resolved.  

      Best Regards,

      *****
      ***** *******
      Contact Center Business Technician
      Customer Service
      **********************
      *******************************************
      Tel:************************
      fax:************

    • Initial Complaint

      Date:01/09/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I want my account closed. I have spoken with my insurance agent about a particular issue where Arbella Canceled my policy for a revoked reg but i had a secondary driver. My insurance company is playing stupid saying that i didnt contact them about until after much later.The vehicle has been removed from my possession and the insurance should have been canceled upon my previous request. Both Old Hertitage Insurance and Arbella have denied anything of the sort. I which for the policy to be closed with no money owed.

      Business Response

      Date: 01/17/2025

      01/17/2025


      Better Business Bureau
      5 Mt. ************, Suite 100
      *************** 01752-1927


      RE: Complaint# ********


      Dear Sir,


      I would like to respond directly to you regarding your complaint filed with the Better Business Bureau on 01/09/2025. We are required to protect your sensitive personal information. Therefore, a detailed response to your complaint would not be appropriate on a public facing page.

      I attempted to reach you on 01/17/2025 at the contact information provided on your complaint to discuss your
      experience and offer a resolution, however the information did not lead to a successful connection.


      I would ask that you either call or email me directly so that we may discuss this matter in further detail. My contact information is listed below.


      Best Regards,
      ******* *****
      Team Manager
      Arbella Mutual Insurance
      ************

    • Initial Complaint

      Date:12/20/2024

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to formally express my dissatisfaction with the handling of my claim during this holiday season. It is my belief that the level of professionalism and diligence demonstrated by your team has been significantly lacking.The assigned adjuster and manager have exhibited a concerning degree of incompetence in managing my claim. Their conduct does not reflect the standards expected in this industry.Initially, I was informed that my claim could not be filed due to the absence of a policy. However, this was later contradicted by a subsequent communication indicating that a policy does indeed exist. I have made numerous attempts to reach out to both the adjuster and the manager, but unfortunately, my efforts have gone unanswered.After seeking assistance from my own insurance provider, I was finally able to elicit a response from your company after multiple attempts. However, the representative I spoke with was exceedingly unhelpful and displayed a lack of professionalism, despite confirming that coverage was available and that there were no justifiable reasons for the delays in processing my claim.The ongoing challenges we are facing as a result of the negligence of your insured. Through no fault of our own, we have been left with a damaged vehicle and unresolved injuries that remain unaddressed to this ******* is imperative that this matter be prioritized and resolved promptly, as the current situation has significantly impacted our lives.I respectfully request immediate attention to this matter and a prompt resolution to my claim. Thank you for your attention to this serious issue.Company Information: Arbella Claim Number: ********* Handling Adjuster : ****** *** at ******************** Manager: ******* ***** at **************************************

      Business Response

      Date: 12/30/2024

      December 27, 2024

      Better Business Bureau
      5 Mt. ***********************
      *************** 01752-1927

      RE: Complaint# ********


      To Whom It May Concern,

      On December 20, 2024, Claim Service Specialist ****** *** contacted the complainant directly regarding their experience described in their complaint. After an extended discussion and review of relevant documentation a mutual understanding was met regarding the reason for the outcome of their experience.

      We consider this matter amicably resolved.

      Best Regards,
      *** *****
      Office Manager
      Bridgewater Claim Office
      **********************

    • Initial Complaint

      Date:12/13/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 9/21/24, my insurance policy with Arbella was canceled without notification. When I checked my personal account with **********************, it showed that my insurance was canceled. I did not receive any emails, messages, or physical mail informing me of the cancellation.Upon calling my insurance agent, *****, I was informed that my policy was canceled due to a speeding ticket and a failure to update my vehicles inspection by the expiration date. I explained to ***** that I had not received any notice regarding the cancellation, and she mentioned that a letter had been sent to an outdated address. Although I had provided an updated mailing address via email to my insurance agent on 11/30/22, this information was never updated in their system.Due to the lack of proper notice, I was unaware of the cancellation and, and then experienced a lapse in my coverage. When seeking other insurance, the new quotes I received were between $450 to $788 per month, with high down payments. I was previously paying $215.After filing a complaint with the MA Division of Insurance, Arbella agreed to reinstate my coverage for the period between 9/21/24, and 10/29/24. I was not given clear information regarding the cost of this reinstatement.When I received the first bill on 11/7/24, it amounted to $8,668 for six months of coverage, despite the coverage being reinstated for less than two months. After I contested the bill, I was sent a second bill for $9,234, citing Premium reversed for mid-term cancellation. This included charges for two months of coverage, the reinstatement fee, and the early cancellation fee. I was told that I was required to cancel my insurance before 11/1/24 and yet I am being charged an early cancellation fee, which is unjust given that I was advised to cancel by both my agent and Arbella. I have email receipts and proof of all of this. As of November 20, 2025, I have received a final bill for $889.

      Customer Answer

      Date: 12/24/2024

      I have not heard from the business in response to my complaint.

      Business Response

      Date: 01/03/2025

      January 3, 2025

      Better Business Bureau
      5 Mt. **********************
      ***********,*******; 01752-1927

      RE:  Complaint# ********

      Attention Better Business Bureau:

      Following the mentioned complaint with the Division of Insurance Arbella satisfied the request made by the complainant. The agreement made to satisfy the request in the complaint was facilitated through their independent insurance agent, who was responsible for relaying the information and details of the agreement to our mutual customer.

      On 11/27/2024 my Business Technician spoke directly with the complainant regarding the details outlined in this complaint. Unfortunately, they were not satisfied with the explanation. At this time there is no further action that can be taken by Arbella regarding this matter.

      As we are required to protect the sensitive personal information of our customers, insureds and claimants, a detailed response to this complaint would not be appropriate on a public facing page. I am available to call or email directly if the complainant wishes to discuss this matter again.  My contact information is listed below.

      Best Regards,

      ********* *******
      Operations Team Manager
      Customer Service
      **********************
      ***********************************************************************************
      tel: **********************
      fax: ************
      ******************************************

      Customer Answer

      Date: 01/19/2025

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      The issue has not been resolved. I did not recive information that I needed to respond to either accept or reject the response by my insurance company so the case was automatically closed. I would like to re-open the case in order to come to some agreeable conclusion.

       

       

      Business Response

      Date: 02/01/2025

      February 1, 2024


      Better Business Bureau
      5 Mt. ************, Suite 100
      *************** 01752-1927
      RE: Complaint# ********

      Attention Better Business Bureau:


      As stated in our initial response to this complaint on January 3, 2025, a conversation took place between one of our
      Business Technicians and the complainant in which an explanation of the circumstances and options for resolution of
      their complaint was provided. Unfortunately, they were not satisfied with the explanation and what is required in order
      to resolve the situation. At this time, our position remains the same and there is no further action to be taken by Arbella.

      As we are required to protect the sensitive personal information of our customers, insureds and claimants, a detailed
      response to this complaint would not be appropriate on a public facing page. I am available to call or email directly if the
      complainant wishes to discuss this matter in further detail. My contact information is listed below.


      Best Regards,


      ********* *******
      Operations Team Manager
      Customer Service
      **********************
      ***********************************************************************************
      tel: **********************
      fax: ************
      **********************************************************************************


      Customer Answer

      Date: 02/03/2025

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      Arbella continues to try to price ***** me. I received their first bill on November 7, 2024 for the reinstated insurance. This bill amounted to $8,668 for six months of coverage, despite the coverage being reinstated for less than two months. After I contested the bill, I was sent a second bill for $9,234, citing Premium reversed for mid-term cancellation. This included charges for just over on month of coverage, the reinstatement fee, and the early cancellation fee. I was told that I was required to cancel my insurance before November 1, 2024, and yet I was being charged an early cancellation fee, which is unjust given that I was advised to cancel by both my agent and Arbella. I have email receipts and proof of all of this. 

      As of November 20, 2025, I have received a final bill for $889, described as an outstanding premium bill for canceled policy. This is an incorrect and unjustified amount considering the circumstances. Arbella has intentionally jacked up their price for coverage as I had no other option but to reinstate my insurance with them after they canceled it without notice. I have informed Arbella that I will pay them market value for any covergae they coverd. Market value considering my cars value and my driving history is about one fourth of the cost they are asking me to spend.

      The reinstated coverage was from 9/21/2024 to 10/29/2024 which is 8 days over one month of coverage. In the attached "Policy Declaration (8)" you will see that the annual premium cost $10,272.00. In the previous years policy declaration (see attached Policy Declaration (5) my anual premium cost $2,344.00. This is nearly four times the annual cost than the previous year. My current annual premium is set at $3,347.00. This would mean that Arbella's policy is three times what I am asked to pay from a comperable company. 

      It is innapropriate to and unacceptable to charge me three times the reasonable price and four times their previous price. Again, I had no other option but to return to their insurance coverage in order to avoid a lapse in coverage. 

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *****

       

       

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