American Century Casualty Company, commonly known as ACCC Insurance, has been a regional provider of personal insurance since 1985. ACCC provides affordable auto insurance, focusing on the non-standard market. 

ACCC Insurance Texas often insures drivers who otherwise could not get covered. This included drivers who received a DUI, reckless driving charge, or multiple tickets in a short period of time. 

In 2020, ACCC Insurance Company stopped issuing new policies and was placed into liquidation by court order on December 14th. By January 2021, most ACCC Insurance policies were either canceled or assumed by Prime Tempus Inc. 

ACCC Insurance Is a Market Leader In Non-Standard Auto Insurance 

For decades, ACCC Insurance Company, headquartered in Texas, has focused on providing affordable auto insurance solutions, particularly for drivers who may have difficulty obtaining coverage from larger, national providers. This niche focus has allowed ACCC to carve out a significant market share within the markets it serves. This includes:  

• Texas
• Alabama
• Georgia
• Mississippi
• New Mexico

While ACCC Insurance may not be a household name like some of the industry giants, it has built a reputation for offering competitive rates for higher-risk drivers. ACCC Insurance’s smaller size has allowed it to be more flexible and responsive to local market needs. This has allowed ACCC Insurance to grow in the non-standard market over the years and the company gained many loyal customers who renewed their policies year after year.   

ACCC Insurance Coverage Options

ACCC Insurance primarily focuses on auto insurance, which forms the backbone of its product offerings. However, the company has expanded its portfolio to include additional coverage options to meet the diverse needs of its customers.

Auto Insurance

ACCC’s auto insurance policies offer standard coverage options including:

• Liability coverage (bodily injury and property damage)
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Medical payments coverage

ACCC also provides additional features such as roadside assistance and rental car coverage as optional add-ons to their policies.

Renters Insurance

While not as widely promoted as their auto insurance, ACCC does offer renters insurance to protect personal property and provide liability coverage for tenants.

Commercial Auto Insurance

For small businesses and entrepreneurs, ACCC provides commercial auto insurance to cover vehicles used for business purposes.

ACCC Insurance Coverage Overview

Compared to larger competitors, ACCC’s offerings may seem more limited. However, the company’s focus on auto insurance allows them to specialize and tailor their products to meet the specific needs of their target market. One standout aspect of ACCC’s policies is their willingness to work with high-risk drivers who may have difficulty obtaining coverage elsewhere. This includes drivers with poor credit, multiple accidents, or DUI convictions.

While ACCC may not offer the extensive range of insurance products that some larger insurers do (such as home, life, or health insurance), their specialized approach allows them to provide more personalized service and potentially more competitive rates in their niche market.

ACCC Insurance Rates And Discounts

ACCC Insurance is known for offering competitive rates, particularly for drivers who may be considered higher risk. The company’s pricing structure is designed to be flexible, taking into account various factors to determine individual premiums.

Factors influencing ACCC Insurance rates include:

1. Driving history (accidents, violations, claims)
2. Age and gender of the driver
3. Vehicle make, model, and year
4. Annual mileage
5. Credit score (in states where this is allowed)
6. Location (urban vs. rural areas)
7. Coverage limits and deductibles chosen

ACCC Insurance offers several discounts to help policyholders reduce their premiums:

1. Multi-car discount: For insuring multiple vehicles on the same policy
2. Safe driver discount: For maintaining a clean driving record
3. Good student discount: For young drivers with good academic performance
4. Defensive driving course discount: For completing an approved defensive driving course
5. Loyalty discount: For long-term customers
6. Paid-in-full discount: For paying the entire premium upfront
7. Paperless billing discount: For opting for electronic statements and communications

Customer feedback regarding ACCC’s pricing is generally positive, with many policyholders reporting competitive rates compared to other insurers. For example, John D. from Houston shared, “I was surprised to find that ACCC offered me a rate nearly 20% lower than my previous insurer, even with my less-than-perfect driving record.”

ACCC Insurance Customer Service And Claims Handling 

Customer service is a critical aspect of any insurance company, and ACCC Insurance has made efforts to provide responsive and helpful support to its policyholders.

ACCC offers multiple channels for customer support:

1. Phone support: Available during business hours for policy questions and claims
2. Online portal: For policy management, bill pay, and basic service requests
3. Mobile app: Allows policyholders to access their information and file claims on-the-go
4. Email support: For non-urgent inquiries and documentation

Customer reviews regarding ACCC’s service are mixed, with many praising the company’s personalized approach and others expressing frustration with response times or resolution of issues.

The claims process at ACCC Insurance follows a standard procedure

1. Report the claim: Policyholders can file a claim 24/7 through the mobile app, online portal, or by calling the claims hotline.
2. Claim assignment: A claims adjuster is assigned to the case within 1-2 business days.
3. Investigation: The adjuster reviews the details, inspects damages, and gathers necessary information.
4. Evaluation: The claim is evaluated based on policy coverage and circumstances.
5. Resolution: A settlement is offered, or the claim is denied with an explanation.
6. Payment: If approved, payment is typically issued within 5-10 business days.

While ACCC doesn’t publicly share specific statistics on claim processing times or customer satisfaction rates, customer feedback provides insights into the claims experience.

Positive reviews often highlight the efficiency of the process. For instance, Mark T. from Texas shared, “I was impressed with how quickly ACCC handled my claim after a fender bender. The adjuster was out within two days, and I had a settlement offer by the end of the week.”

However, some customers have reported challenges, particularly with more complex claims. Lisa R. from Georgia noted, “My claim took longer than expected to resolve, and I felt like I had to constantly follow up to get updates.”

Overall, ACCC’s customer service and claims process seem to be on par with industry standards, with room for improvement in consistency and communication.

The Pros and Cons Of ACCC Insurance Company 

Addressing common concerns:

1. Financial stability: While ACCC is smaller than national insurers, it maintains a stable financial position and is backed by reinsurance agreements to ensure claims can be paid.
2. Coverage limitations: ACCC’s focus on auto insurance means they may not be a one-stop shop for all insurance needs, but it allows them to specialize in their core offerings.
3. Customer service inconsistencies: The company has acknowledged areas for improvement and has been working on enhancing its service quality and responsiveness.

Customer Reviews & Ratings

Analyzing reviews from multiple sources provides a comprehensive view of customer sentiment toward ACCC Insurance:

1. Better Business Bureau (BBB): ACCC Insurance is not BBB accredited but maintains a B- rating. Customer reviews on the BBB site are mixed, with an average rating of 2.5/5 stars based on a limited number of reviews.
2. Trustpilot: ACCC Insurance has a limited presence on Trustpilot, with fewer than 50 reviews. The average rating is 3.2/5 stars, indicating a mix of positive and negative experiences.
3. Google Reviews: Ratings for ACCC Insurance vary by location, but generally fall in the 3.5-4 star range out of 5.
4. Insurance-specific review sites: On sites like Clearsurance and ValuePenguin, ACCC receives average ratings of around 3.5/5 stars.

Overall customer sentiment trends towards ACCC

Recurring feedback in customer reviews

1. Price sensitivity: Many customers chose ACCC for their competitive rates, particularly those who had difficulty finding affordable coverage elsewhere.
2. Local presence: In areas where ACCC has a strong local presence, customers appreciate the personalized service from local agents.
3. Claims experiences: While some customers report smooth claims processes, others express frustration with delays or communication issues during more complex claims.
4. Policy flexibility: Several reviews mention ACCC’s willingness to work with drivers who have less-than-perfect records or unique circumstances.
5. Technology: Some customers praise the mobile app and online portal for ease of use, while others feel these digital tools could be more comprehensive.

It’s important to note that online reviews tend to skew towards extreme experiences, both positive and negative. The majority of policyholders who have average experiences are less likely to leave reviews, which can impact overall ratings.

The Final Word On ACCC Insurance Company 

For drivers within ACCC’s operating states who prioritize affordable rates and are comfortable with a smaller, regional insurer, ACCC Insurance could be a worthwhile choice. Their willingness to work with high-risk drivers and their competitive pricing in this segment are notable strengths.

However, potential customers should be aware of the limitations in terms of coverage options and geographic availability. Additionally, while many customers report positive experiences, the mixed reviews regarding customer service and claims handling suggest that individual experiences may vary. Compare auto insurance rates where you live. Get a free online quote and save hundreds with direct car insurance rates. Get covered today for less.