The compulsory insurance in PR are one of the closest activities that I can think as a picture of a…read moreState fraud. Due to the fact that it's compulsory anyone that has a vehicle has to pay this insurance every year. The insurance is extremely peculiar. It's not your insurance that cover your accident, if you are the one without responsibility, but the other vehicle insurance and it cover only up to 4,500$ Whit this introduction is pretty clear that just by itself the insurance has a ridiculous low outcome to pay any accident happened and everybody has to pay them. It's already clear that the insurance company, right now are about 12 that are authorized, had a huge profit doing this kind of insurance joke. Then if you have an accident you can find out really how they get dirty in order to maximize the gain and destroy you. First. You have to understand and be capable to speak with them. I spend just for the first time 1 hour and 40 minutes waiting after the first 2 call was disconnected. You have to have a police report, that you have to collect in person at the cop station, and you have to pay with sate stamps. You have to have the fault driver call them. You have to have one of their mechanics to inspect your car and you have to take the car to them. I put a very long story short. If you don't compelled one of the previous request, you will be not capable to receive the payment. If you receive the payment it will be 50% of what they have to pay. It's just your fault if you cash the check. They they evaluate your car with the blue book or some other crappy instrument that it's maybe ok with the US market but not for sure for Puerto Rico. After all this crap you can maybe have a second check to fill the amount to repair the car, if you accept 60% of the value of your car if you don't want to surrender it when the value of your car is evaluated by them and you can't complain. My personal case. I was it from a drunk driver that burn a red light. I have a used car buy in a car dealer for 4.000 $ a very good price compare to the car in the island actually sold for the same amount of money. Perfect condition. I have to move the car from the street. Tow service is not cover by the insurance. Take the insurance to teir mechanic. Home visit is offer by the insurance but the mechanic refuse to come! Tow service again not included. 2.800$ repair quotation by teir mechanic. 2 weeks after the insurance didn't release any approval to fix the car or any check. If you have to go to work you are already screw and you are suffering big problem for your freedom to move and other. Service car or rental car is not cover by the insurance or offered. Then the mechanic offers to fix your car and you will collect later the money from the insurance (I already know that it was a criminal cartel made to frode the people in order to cash more money is possible for the mechanic and the insurance). So, I refuse. I just patch up the car (500.00$ work done by another mechanic) jut to have the car possible to be driven. Then punding on the insurance phone to know what the hell happen. Insurance send without notice 500.00 check. I went at the first office then to understand. It was my payment. Then I complain. When the inspector told me that my car was work 1.600$ I laugh at her face and call her loan shark. I asked her where to find my car at that price... you can't even fine the engine for that price. Then I was enjoying the very criminal nature of the insurance employee that of course are following the criminal policy of the insurance. I refuse. Then they offer me 60% of 1600 or 1600$ if I would surrender my vehicle. At that point I called the insurance 12 time, been at their office 4 times, been called by the inspector twice and was already 2 month the time lost for this money. I see the clear fraud behind this system. The insurance will barely pay half the cost of any accident and never more than 4.500$ they will hope you can mess up and accept even half of that charity and or you get screw up by their mechanic too if you were capable to collect all the document without losing your job. Of course, you could take them at the court and pay your own attorney in order to get paid... and of course I believe that the percentage of this people are very lean. Because you will pay more that you will get. This is Puerto Rico, enjoy the real lair of corruption and citizen robber.

Driving in St. Thomas is like rolling the dice, you really are taking a chance. You may get to…read moreyour destination or may not. With landslides, falling rocks when it rains, crazy rude drivers, tourists that don't remember to stay on the left side of the road, a plethora of pot holes, malfunctioning traffic lights (that the territory doesn't care to fix timely) and drivers that can't seem to stay between two lines, odds are you will get into an accident out here or damage your car. I've driven all over the East Coast in winter storms, and never got into an accident. I've never been in an accident ever period. But here, it only took a month for an impatient driver that wanted to pass another car in oncoming traffic, to swerve into my lane and take out my passenger side mirror. The point my friends is get good insurance. Insure yourselves as much as possible on this island. We use Family Insurance Agency for our car insurance. Aretha our agent, was just so responsive and amazing in helping us get a quote and then get us through the process of obtaining insurance. Being fast in responses via email is not an easy find on this island and I always got a response from Aretha in a few hours. She definitely operates at stateside speed! We started working with Aretha in January and didn't finalize everything until April. Family Insurance Agency is one of the only insurance companies that could insure our car make and insure it to the extent that we wanted. In addition to that they use Lloyds of London as underwriters, whereas all of the other companies we reached out to were using no name companies. Their office building is also very nice, with plenty of parking out front. Instructions that we received to get there are typical islands instructions, with "go back past the hospital and it's the second new building," needless to say we got lost getting there, but its located on the road behind the hospital in town. The address listed on google is their old address, so make sure you go to their Royal Palm Office Center location. One of the strange things about purchasing car insurance in USVI is that you need to purchase a years' worth up front. They don't charge you on a per month basis like stateside, however, Family Insurance Agency, offers a financing plan with an interest rate, but we didn't find out of what that rate was. Make sure you have insurance before your car is ready to clear customs, otherwise it will not leave the docks. It sucks to spend your hard earned $$ on car insurance, especially to give it all away up front, but I can't tell you of how important it is out here in the wild wild jungle of driving craziness!

From the owner: Whether you've lived in St. Thomas your whole life or are a recent addition to our beautiful island…read morecommunity, insurance needs are universal and vary from one life stage to the next. Family Insurance Agency has provided insurance policies to individuals and businesses in the US Virgin Islands since 1989, so we know the local requirements and extra coverage options that can protect you and your family in the face of the unthinkable. As an independent agency, our goal is to offer you the highest level of customer service in a warm, friendly manner, all while taking advantages of competitive prices to save you money.

Staff have been very helpful by phone and in person. The last time I went to add rental insurance I…read morehad to bring with me two kids under the age of 3. Staff did not mind and encouraged me to use the chairs as toys for them. This company was recommended to us by fellow relocators.

Wholly unethical and utterly incompetent. I have no words for how disappointed I am with Seaglass…read moreafter today. They breach their agency relationships right off the bat and it's honestly pretty shocking how they work contrary to whom they represent. Was just called by one of their agents (Amanda) regarding a property that I: 1) Had previously listed with them before, that they did not get a single offer for 2) Had an offer for from someone they represented via an agency (fiduciary) relationship I had listed the property by myself after it didn't sell with Seaglass and was bombarded with offers (lowered the price). I had already accepted an offer the day prior to Amanda calling me. When I pick up the phone, not 5 minutes later Amanda suggests that I raise the price while simultaneously letting me know that she has an offer in hand from a willing buyer. This is a breach of fiduciary responsibility- her role should be to get her buyer the best price possible since she's literally their agent. It makes me sick knowing they 'represented me' for a year that their agents don't give the slightest damn about their clients. Will probably be reporting this to VI Board or Realtors but I would suggest steering clear of working with Seaglass until they get their agents' ethics in line with basic legal requirements.

I give it a 5 star to Jeff from Sea Glass. I Moved to St…read moreThomas on short notice from work. I needed accommodations right away and all the local knowledge that comes with it. Within 5 days I was settled and had all the key contacts on the island. I immediately started looking for the house for sale for the next 4 years of my time on the island. Jeff found a perfect property for my needs. He directed me to all the right people so I could get mortgage, inspection and other stuff out of the way. I have has an abundance of positive experience with Jeff and I have no hesitation of recommenting him to my Yelp comrades.

I was in area when walk in occurred. Gladys was there for me. She walked me through my quote from…read morestart to finish. Then, a principal walked in , you know, to make sure we're all good. Turned out, they produced what I'm looking for right there on the spot. That's so much nicer than all the hullabaloo other places raised. Anyway, cheers and two thumbs up.

Very clean office with parking in front. Employees really go out of their way to be pleasant and…read morehelpful. I've always experienced quick, professional service. And have never left without accomplishing what I came to do.

I had Mapfre until this year and complete crap for insurance and customer service. We had our home,…read morecars all under them and I'm moving on to someone else who hopefully has better manners and customer care. Don't waste your time with these guys. They are borderline criminals and have business practices that should be reviewed. I had a minor incident with my Tesla and needed to have the bumper and headlight repaired. I was able to get an adjuster to look at it quickly but they lied to me and told me I could only take it to their facility which they claim is certified by Tesla and it's not really. They don't have any special equipment to deal with EVs. After that I had to wait from Sept 25 until Feb 5th when parts finally arrived. Then repairs took another 2 months. On another repair for my Volvo that was also pretty minor they fought with the body shop that repaired the vehicle. And you know what now they have refused to renew for the next year. What a piece of $h*t company. They will happily take your money but they don't provide you with service.

Responds very quickly. Took care in finding the best products for covering my needs. Great customer…read moreservice. Highly recommended!!!

From the owner: CLB Insurance provides personalized guidance for health insurance for individuals and businesses,…read moreauto insurance, and property insurance in Puerto Rico. Our mission is to help individuals, families, and property owners find the right insurance coverage to protect what matters most. We work closely with our clients to compare insurance options and select policies that offer the best balance of coverage, protection, and affordability. Whether you are looking for health insurance plans, auto insurance protection, or property insurance for your home, our experienced team is here to guide you every step of the way. At CLB Insurance, we are committed to helping you protect your health, your home, and your vehicle with reliable coverage at competitive prices.

Excellent experience. My request was not easy because apparently its not a very common surety bond…read more I am completely satisfied with the way Surety One handled my need.

From the owner: Surety Bonds, Fidelity Bonds, Performance Bonds, Bid Bonds, Payment Bonds.read more