Access Auto Insurance ReviewFriday, 08 November 2013 16:48
Access Insurance Company specializes in offering auto insurance to individuals who may have difficulty getting insured at other insurance companies such as those with bad credit, non U.S. citizen drivers, drivers with DUIs, and others. Access Insurance operates in 14 states, and it is a relatively new but fast growing private insurance company. The company has not been reviewed by A.M. Best or J.D. Power most likely due to the fact that it is a newer and smaller insurance company. Access Insurance offers bilingual customer support and flexible low down payment plans to its customers. It has been rated among the fastest growing insurance companies in the U.S. by several publications, but it has been the subject of some customer complaints online.
Company Background Information
Access Insurance Company was founded in 1994 is currently headquartered in Atlanta Georgia. It has been ranked among the fastest growing companies in the United States by Inc. Magazine six times and was ranked 19th on the GeorgiaTrend Fast 40 list for the fastest growing companies in Georgia. Access Insurance sells its policies exclusively through its independent insurance agents who also provide customer support. The company has not been reviewed by J.D. Power for customer service or claims satisfaction or by A.M. Best for its financial stability.
Pros of Access Auto Insurance
- Bilingual support available for Spanish speakers
- Can provide insurance options for those who have trouble getting insured
- One of the fastest growing private insurance companies in the U.S.
Cons of Access Auto Insurance
- Not rated by A.M. Best or J.D. Power
- Customer complaints regarding claims related issues and other problems
The Access Insurance website has an extensive FAQ section along with information about the company, but there is not much information regarding its auto policies. Quotes cannot be retrieved directly from the website, but interested customers can email agents through the website. Policy holders can pay their policies from the website and view their policy documents online. Insurance ID cards can be printed from the website and claims can also be tracked. Interested insurance agents can also apply to represent Access Insurance from the website.
Filing a Claim
Claims can be filed on the phone and tracked online. After a claim is filed, a primary adjuster is assigned to handle the claim. The primary adjuster directs the policyholder to other support people involved in the claims process as needed. Access Insurance mentions on its website that filing a claim may result in an increase in premium costs depending on the state regulations, amount of damages paid out, percentage of fault, and type and severity of the accident. Access Insurance allows its customers to take their vehicles to any repair shop that they prefer.
Types of Insurance Offered
Access Insurance does not provide very much information about the types of insurance that it offers, but it is known that Access offers coverage options to non-standard drivers. The website FAQs only cover general questions regarding the company’s policies. A prospective customer would need to speak with an Access Insurance agent for more information on the types of auto coverage that are offered and other details.
Customer reviews of Access Insurance are generally negative online. Customers have complained about difficulties reaching the claims department and adjusters, trouble getting reimbursements for medical expenses and rental cars, and slow claims processing. The few positive reviews mentioned that some employees were helpful during the claims process. Most of the reviews of online were negative but they were not all from Access Insurance customers; some of them were from vehicle owners who were in an accident with an Access insured driver.
There is not that much information available as to the discounts or unique benefits of choosing Access Insurance for auto insurance. Based on the lack of reviews from third party organizations and the negative reviews of the company online, insurance seekers may be better off choosing a different insurance company that offers coverage to high risk drivers. If you are looking for auto insurance you can get quotes from multiple insurance companies now by simply entering your zip code on this page.
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