American Freedom Insurance

My claim against a policy holder of theirs was denied due to "breach of policy provisions" but they won't give you a specific reason because they don't want to give you a specific reason for fear of it being proved wrong. I have dashcam video showing their policy holder hitting my car plus police report putting him at 100% fault.

They don't see their policy holders or the victims of their policy holders accident as people, you're a bottom line, a number. My car was hit July 5th, 2023,everthing filled out and signed,pictures taken, estimate done,and video sent within 2 weeks. My claim was denied August 17th.

I was notified of denial September 15th.

Between August 17th and September 15th I was in contact American Freedom 11 times with them withholding the information about the denial until on the 15th of September when after me calling once again wondering what lie I would be told that day as to why a decision hadn't been made, that I was told they would send me a email with decision. Date at the top of the copy of denial was 17th of August as is the date at top of paper copies that were sent to me with the post mark being after 15th of September on envelope.Worthless company that needs to pay for damages that the victims of their policy holders incur.

Recently, i purchased an auto policy through Acceptance Insurance. I changed my policy to them, because I was unable to continue to pay, the cost of my previous insurance.

But, I found out that was a mistake. I was informed that the quote given might change. I was agreeable with that. However, I was not told.

They would require proof of previous insurance, which I had. Also, also, a statement from the doctor. When I asked would a doctor who practices alternative medicine would do. They would not approve.

So, I was informed to find a medical doctor. And that would cause me more expense. I am on a fixed income. I do not understand why this was needed.

There was nothing in my driving history, that indicated, I had any medical condition. So, to me, it was age discrimination I am an active senior, Exercise and always busy. I follow up with other companies, I was told yes they do needed evidence of prior insurance. I thought that was public knowledge.

However, a physician note is not required. There was no full disclosure. They lied and took my money. Now, I face more stress in getting my money back.

They are scammers . Beware

One of their insured hit two of my parked cars. They make you take your car to a shop for an estimate as they don't have an adjuster.

They try to pay you 30 cents on the dollar in terms of the actual cost of repair.

They rarely answer the phone or respond to emails...until you let them know that you plan on filing a complaint with the Department of Insurance and even then they try to drag things out. I saw so many reviews of people who just gave up of caved in because they couldn't waste any more of their time.