UPDATED: Mar 20, 2020
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Access Insurance Summary
Access Insurance was founding in 1994 in Atlanta, Georgia, and has since expanded to be licensed in 22 states. The company plans to continue its expansion nationally in the coming years.
Access is a specialty car insurance company, offering non-standard policies and coverage for drivers who may have had trouble obtaining a policy elsewhere. This includes drivers with multiple tickets or accidents, major violations, credit problems, lack of driving history, or other issues that can qualify them as high-risk.
The company is quite technology-focused, offering a mobile app, plenty of social media connections, online customer account management, and online claims reporting. Surprisingly given all of that focus on technology, they do not offer an online quoting service. Policies are sold through agents in the states where coverage is available.
Access writes auto insurance policies only, and they specifically aim their products at a particular market of drivers who need non-standard coverage. Access also promotes their products towards drivers who may be new to the U.S., have a language barrier, out of country license, or those who are simply searching for low-cost auto insurance.
There is very little information available on the Access website in regards to their actual auto policies. The site does not offer an outline of available coverage or options, and states in the FAQ section that coverage varies from state to state.
Access does not provide online quoting, therefore making a price comparison is not possible. As a specialty insurer, they probably will come in with rates that are quite competitive for their target audience.
The important thing to remember when it comes to insurance companies that target high-risk drivers is their rates will often be decent for that market only. If you are a good driver with an excellent record, high-risk insurance companies will rarely be a good deal compared to standard issue insurers. That means once your record is clean, its often a wise decision to switch to a regular auto insurance company.
Access has a major focus on using technology, so it’s not surprising that they offer online claims reporting as well as the option to track a claim online. That is a nice perk that places Access Insurance up with the major insurers. However, it is also the only option Access offers up front for claims reporting.
Access also promotes their mobile app as a method of keeping up on policies, but this app does not offer the option to submit a claim.
For a company promising to be on the cutting edge of technology, the single online method of reporting a claim is something of a letdown. As a small company, the lack of a 24-hour claims reporting line is not entirely unusual, but is still something most customers expect from an insurance company.
Access Insurance Company is not accredited by the Better Business Bureau, however is does have a D- rating, not the best rating for a company listed on the BBB. The website states that the reason for the rating is due to the lack of responsiveness from Access in addressing a complaint, and the number of complaints. The BBB listed 42 complaints on their website, 23 of which have been closed in the past 12 months. Of 42 complaints, 30 of them are regarding issues with product and service.
Aside from the BBB, there is a large number of complaints elsewhere online relating to Access Insurance. Complaints are mainly centered on claims service, and there are a large number of complaints that are from people who are not actually Access policyholders, but rather those who were involved in accidents with them.
Complaints include rude and slow claims service, denial of claims, and accusing Access of insuring drivers who were not licensed. There are also complaints from policyholders regarding billing issues and difficulty obtaining help over the phone. Overall, there are enough legitimate complaints out there from both policyholders and others who have dealt with Access to raise some red flags.
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Access aims their auto insurance products at a very specific market, and unless you are in that market and struggling to obtain coverage elsewhere, they are not likely to be worth further investigation. Anyone searching for standard insurance will certainly find better coverage and rates elsewhere. Access offers little information regarding their policies and their claims process, and there are a lot of complaints against them. As a result, we are unable to recommend this company and a lot of reasons to be concerned.
For a list of companies that we recommend, visit our Best Insurance Companies page.