Tips for Filing an American Access Casualty Company Insurance Claim
American Access Casualty Company, AACC, is a relative newcomer to the insurance provider industry. They provide non-standard private passenger insurance in Texas as well as in Illinois, Indiana, Nevada, and Arizona. AACC is known as an affordable insurance company that caters primarily to the Hispanic community.
AACC provides non-standard auto insurance policies. In fact, they claim to be the leading provider of non-standard policies. This means that they insure a large number of high-risk drivers and those who are unable to get insurance through other providers. As with most of these types of insurance companies, they specialize in selling policies with the basic coverage necessary to follow the law. They even sell policies to international drivers and those who are unlicensed.
File a Claim with AACC
To file a claim with AACC you should call their claims number at 1-630-645-7755. Their corporate office is located in Illinois and they do not offer a toll-free phone number for claims. This may be your first indication that dealing with AACC is not going to be easy. Once you file a claim, an adjuster will be assigned to your case. Do not expect a quick callback. In fact, according to many customer reviews, some people were never able to actually get a callback about their claim.
AACC has a one-star rating on Consumer Affairs online rating site. You will see that most of the complaints are similar. It seems as though the tactic that this company uses is to continually delay the claim for a variety of reasons. Sometimes the adjuster is on vacation, other times the paperwork was lost or the documentation was missing some information.
When a customer completed the request for more documentation, for example, another problem cropped up to delay the process. Their lack of response has caused a flurry of complaints to the Texas Department of Insurance.
What You can do to Resolve Problems with AACC Claims
One thing you can do to help the process along is to contact an experienced Houston car accident attorney before you even submit a claim. This could eliminate some of the delay tactics that they seem to utilize on a regular basis. If you have already placed a claim, it is not too late to talk to an attorney.
In some cases, a demand letter may be in order. This may not help in speeding a delayed case but it can often help in situations in which they offered a low settlement. If you do want to send a demand letter, you can do so yourself, but it will have a better impact if it comes through your attorney. A demand letter is simply a letter outlining your case and requesting that the company take steps to resolve the claim.
A demand letter is just the first step and sometimes may be ignored. A lawsuit might be the only way to get the company’s attention. Most companies prefer to negotiate a settlement rather than going to court. However, each case is different and so the case could end up at trial. Your lawyer will guide the process with your best interest in mind.
If you need to file a claim with AACC, we are here to help. Our law firm has assisted in successfully negotiating and resolving thousands of claims. Contact Michael P. Fleming & Associates, P.C. to schedule a free consultation 713-221-6800.