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Personable Insurance underwrites policies for a number of smaller indemnity companies in each of its covered states. These include:
- Plaza Indemnity Company (California)
- Lyndon Southern Insurance Company (Texas)
- Peachtree Casualty Insurance Company(Texas, Georgia and Florida)
Since Personable is so new, it will likely continue to add producers to its roster in future years.
Like many other non-standard insurers, Personable has opted for a quirky brand identity. Its logo is the winking-face emoticon ;) and a pair of Crash Test Dummies act as mascots for the front page. Combined with the company’s name, all of this is clearly supposed to create the image of a company that’s young, hip, and, well, personable.
It’s an angle that makes sense as many of the high-risk drivers it targets would fall within younger demographics; Personable is likely trying to grab a corner of the market that’s also reached by advertising geniuses Progressive and GEICO.
However, the Personable website is largely geared toward insurance producers rather than customers. This may be temporary, until the company grows, but it certainly does not go with its “personable” brand to have a site that’s so user-unfriendly.
Personable Insurance is focused entirely on providing non-standard auto insurance, aka “high risk” or “SR-22” insurance.
The term SR-22 Insurance is actually something of a misnomer. An SR-22 form is what you file with the DMV to prove that you have insurance. It’s necessary in order to register a vehicle or reinstate a driver’s license that’s been suspended. People who need an SR-22 on short order will often look for cheap basic insurance, and that often means obtaining a policy from a non-standard insurer.
There are a few reasons why someone might need a non-standard auto policy:
- A history of auto accidents
- A recent policy cancellation
- A DUI on record
- Multiple traffic violations
Younger teens and older senior citizens may also sometimes find themselves labeled as high-risk.
Non-standard auto insurance generally offers minimal coverages. In some situations, a high-risk driver may not be able to obtain first-party coverages like collision or comprehensive unless they are required by a vehicle’s lien holder. Liability limits are also often very low, sometimes barely meeting state minimum requirements. (Click here to see why state minimum insurance is a bad idea.)
In the case of Personable Insurance, the limits are higher: Policies are available with liability limits of up to $100,000 per person or $300,000 per accident for injuries and $50,000 for property damage. These are not the highest liability limits imaginable, but they do offer fairly reasonable protection and better coverage than many other high-risk insurers.
There is not any obvious information on the Personable website about obtaining a policy. There is not a phone number or online form available for obtaining a quote, and there is not an agent locator. The “New Appointments” tab leads to information about appointments for producers (agents), not customers.
There is a customer service line at 619-702-7022, which leads to a general inquiry line.
There not much in the way of claims information listed on the Personable website. There is no readily available claims link or online reporting form. The claims phone number is buried on the “Contact Us” page.
Customers can call 877-233-9180 to report a claim and obtain additional information.
There are few consumer reviews available for Personable Insurance, most likely due to the fact the company is so new. The company does have a Facebook page with over 300 “likes” and a 2.6 star rating. There are ten reviews, six with a 1 star rating and four with a 5 star rating.
Although it is not accredited, the company is listed with the Better Business Bureau . There are six complaints filed, three of them closed in the last 12 months.
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Personable Insurance is quite new, and therefore difficult to get a fair read on the organization as a whole. It is unfortunate their website does not provide much user-friendly information, and it points to them being very agent-driven. On the plus side, Personable offers fairly high liability limits for high-risk drivers, which is not typical when dealing with non-standard insurance companies.
For a list of companies that we recommend, visit our Best Insurance Companies page.