Acceptance Auto Insurance Review

Acceptance Auto Insurance
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Claims
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Acceptance Auto Insurance, part of First Acceptance Services Inc., is a private auto insurer located in Nashville, Tennessee. It sells policies in 12 states in the South and Midwest while maintaining nearly 400 agencies across the country.

The company currently employs around 1,350 dedicated agents to staff its neighborhood agencies. Policies are also sold directly to consumers through the company’s website and over the phone.

Acceptance primarily offers non-standard or high-risk auto policies. Like many high-risk companies, it offers lower-cost policies to standard-risk drivers as a way to balance its risk pool. The company also caters to a variety of high-risk drivers, including teenagers, seniors and people with bad credit, making it accessible to those who might not otherwise be able to obtain coverage.

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Insurance Products

Auto Insurance

The main product offered by Acceptance is auto insurance. There are two types of policy bundles available. The first is a bare-bones basic liability package that covers a vehicle at the state-mandated minimums for property damage and bodily injury liability. The second is a full-coverage policy including comprehensive and collision coverage. In states where uninsured motorist coverage is required, Acceptance can add that to a policy as well.

Additional Products

Depending on your state and specific situation, you may be able to purchase more than auto insurance through Acceptance. In some areas, the company offers several other products:

  • Renter’s insurance to protect the personal belongings of apartment dwellers and others who rent their homes.
  • Motorcycle insurance for both standard and non-standard drivers. Like auto insurance, the motorcycle policies can be either liability-only or include first-party coverages. Discounts are available for drivers who have completed safety certification courses and for military members.
  • Roadside assistance for towing, jump-starts, flat tire repair and more. This can be added to an auto or motorcycle policy.
  • Hospital benefits. In some states, you can purchase this supplemental health insurance policy to help fill in the gaps of coverage for hospitalizations, including protection for accidental death and dismemberment.

Acceptance Auto Insurance Rates

You can obtain a quote over the phone at 1-877-405-7102 or by filling out the online quote form.

The quote form is fast and easy to fill out, requiring minimal information and loading quickly. You will need to provide your social security and driver’s license number obtain the quote, since the company will complete a background check and credit report. If you are uncomfortable with submitting that information over the Internet, you’ll be better off calling the number for quotes or by finding a local agent’s office.

Claims

You can file an Acceptance claim through your local agent’s office or by calling 800-779-2103 between 7am and 7pm Monday through Friday or 8am to 5pm on Saturday. The claims office is closed on Sundays and in the evenings.

If you don’t want to call in the claim, you can also send an email with the relevant details to NewClaims@AcceptanceInsurance.com, although it’s probably best to avoid putting personal information in an email. There is no secure claims form on the Acceptance website.

Regardless of how the claim is filed, you’ll need to provide the same basic information to the company, including your policy information, contact info for others involved in the accident, and a description of what happened.

Consumer Research and Complaints

First Acceptance has been accredited with the Better Business Bureau since 1998 and has an “A+” rating with them. The BBB website lists 31 complaints as having closed in the past year.

Many of the consumer complaints against the company found online seem consistent with what you can expect from any company, like disputes over OEM parts or liability decisions. There don’t seem to be any major recurring issues that raise a red flag.

Financial Strength

Rating Company Grade Financial Outlook
AM Best N/A N/A
Fitch N/A N/A
S&P N/A N/A

Bottom Line

As far as high-risk auto insurance goes, Acceptance seems like a solid choice. Their website is well-designed, they offer a variety of coverage options, and dedicated agents give you a solid link to the company. Of course, if you can obtain standard-risk insurance, you’ll likely be better off getting a quote through a more mainstream policy, but high-risk drivers in the states covered by Acceptance Auto Insurance might want to take a look at this company.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
Review Date
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Acceptance Auto Insurance
Author Rating
3

Comments

  1. Stacey Christensen says

    I agree this is by far the worsed insurance company ever. The agent we are speaking of will not listen or help. They have put a hold on my license and I don’t even have insurance eoth thier company. The guy who has insurance with this company filed a fraudulent claim and it’s affecting my life in every way possible. The BBB should investigate thier company for fraud and other bad business practices. Oh, and they have threatened us with a letter as well.

  2. Isja says

    THIS IS THE WORST INSURANCE COMPANY EVER!!!!! NOT ONLY DO THEY GIVE YOU THE RUN AROUND BECAUSE THEY DONT WANT TO HELP, THEY ARE INCONSIDERATE. THE MANAGERS DON’T RETURN PHONE CALLS AND NEITHER DO THE INSURANCE ADJUSTERS. GOOD LUCK TRYING TO GET ANY ASSISTANCE OR A RENTAL VEHICLE OR ANYTHING ELSE YOU MAY NEED FROM THIS COMPANY!

    • EMILY says

      UNFORTUNATELY, I AM DEALING WITH THIS COMPANY AND I AGREE WITH YOU. I CAN’T GET A RENTAL, DON’T KNOW WHERE THEY TOWED MY CAR AFTER THEY REMOVED IT FROM THE LOT WHERE I HAD IT TOWED, THE ADJUSTER [Redacted] WON’T CALL ME AND I SPOKE WITH HIS SUPERVISOR [Redacted] WHO IS WORSE THAN [Redacted]. I CANNOT GO ANYWHERE WITHOUT ASKING FOR A RIDE FROM FRIENDS AND FAMILY. TO MAKE MATTERS WORSE WHEN I DID FINALLY SPEAK WITH [Redacted] AND [Redacted], THEY BOTH LAUGHED WHEN I WAS EXPLAINING MY PAINFUL EXPERIENCE WITH THEIR COMPANY. I REALLY FEEL INSULTED AND FRUSTRATED. I WOULD NEVER EVER BUY A POLICY FROM THEM OR RECOMMEND THEM. THERE ARE A LOT NEGATIVE COMMENTS I COULD MAKE BUT I THINK THIS IS ENOUGH FOR POTENTIAL CUSTOMERS TO GET AN IDEA OF HOW HORRIBLE THIS COMPANY TREAT PEOPLE. I DON’T KNOW HOW THEY SLEEP AT NIGHT.

  3. Shari says

    This is by far the WORST insurance company I have ever heard of. I have worked in the insurance industry for 36 years and never ever have I dealt with a company so unresponsive to their insureds. My family reported a claim on 8/25/15 today is 10/21/15 and the claim still has not been settled. I truly wish that people could understand that these companies that advertise “cheap premiums” will not only be a rip off when you have a claim but their premiums are not really any less anyway. For instance this policy that I am talking about cost 170.00 per month for low limits of liability and NO rental car or towing coverage. The same policy quoted through Travelers cost 76.00 per month and has rental and towing included in the premium. In case you are wondering I do not work for Travelers. Any of you major players can match this. Do your homework. There are also rules to claims handling that they pay no attention to. My next step is to file a Department of Insurance complaint. If that does not get them moving on this claim we will look at bad faith.

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