American Underwriters Insurance Review & Complaints: Auto Insurance (2023)

American Underwriters Insurance Company of Arkansas (AUIC) offers both standard and non-standard car insurance policies across the state. They assist customers who have difficulty obtaining auto insurance elsewhere.

This American Underwriters Insurance Company review will provide everything you need to know about the company. Before you start, enter your ZIP code to compare car insurance rates right now.

What to Know About American Underwriters Insurance Co.

AUIC is based out of Conway, Arkansas, and offers Arkansas car insurance to drivers through agents in all counties across the state. The company operates as part of Crum & Forster, which is in turn owned by Fairfax Holding Company. AUIC is one of several Crum & Forster specialty insurance companies.

Very little information is available regarding the history of AUIC or its operations. The company does not have its own website and is instead listed on the Crum & Forster website, although it does appear to operate as a separate company.

Auto policies available from AUIC include standard package auto insurance and custom, or nonstandard, auto. This company appears to be the type to which a driver is referred by an agent when they are having trouble getting coverage elsewhere.

AUIC is not related to American Underwriters Insurance of Tacoma, WA, which is an insurance agency, nor is it the same as American Underwriters Life Insurance Company.

Which American Underwriters Insurance Products are Offered?

Based on the vague definitions offered online of the company’s website, there are two types of auto insurance offered by AUIC.

Standard auto insurance is offered to customers with a good driving record and no lapse in coverage over the past 12 months. There is no further information available as to what type of coverage or discounts are offered.

Custom auto insurance is what is better known as non-standard or high-risk. This policy is designed for customers who have problems on their driving record, have had lapses in insurance, have poor credit, or have other issues that disqualify them from a standard policy. Again, details on the coverage are not offered.

How to Get American Underwriters Insurance Rates

Unsurprisingly, there is not an online quoting system offered for this company. The limited information on the website is clearly directed at agents, and not at potential customers.

This seems to be a company to which an agent will direct customers who are having trouble obtaining coverage elsewhere. As a result, their rates are unlikely to be competitive with most standard car insurance companies.

American Underwriters Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American Underwriters Insurance Company, also known as AUIC, provides multiple options for filing insurance claims. Customers can choose to file their claims online through the company’s website. The online claims filing process typically involves logging into the secure area of the website and following the provided instructions.

Alternatively, customers can also file claims over the phone by using the phone numbers provided on the claims reporting page. Additionally, forms for filing claims can be obtained in PDF format from the website, which can be printed and filled out manually.

Average Claim Processing Time

While specific information about the average claim processing time for American Underwriters Insurance is not provided in the content, it is mentioned that the company aims to contact the insured within one business day of the claim filing. They also strive to resolve auto claims quickly, indicating a commitment to efficient processing.

Customer Feedback on Claim Resolutions and Payouts

The content does not offer any specific customer feedback on claim resolutions and payouts for American Underwriters Insurance.

However, it’s mentioned that consumer information about AUIC is difficult to find, and the Better Business Bureau (BBB) does not have a file for the company. Therefore, there is a lack of publicly available customer reviews or ratings related to claim experiences with this insurer.

Digital and Technological Features of American Underwriters

Mobile App Features and Functionality

The content does not provide information about the specific features and functionality of the American Underwriters Insurance mobile app. Given that the company offers auto insurance policies, it is possible that the mobile app provides features for policy management, claims filing, and potentially other insurance-related functions.

However, without further details, it is not possible to describe the app’s capabilities.

Online Account Management Capabilities

The content does not elaborate on the online account management capabilities offered by American Underwriters Insurance. It mentions that the company does not have an online quoting system for customers and that the limited information on the website seems to be directed at agents rather than potential customers.

Therefore, there is a lack of information regarding the extent of online account management options available to policyholders.

Digital Tools and Resources

The content does not provide specific details about the digital tools and resources offered by American Underwriters Insurance.

While it mentions the availability of online claims filing and provides information about obtaining claims forms in PDF format, it does not delve into any additional digital tools or resources that the company may offer to policyholders for managing their insurance policies or accessing relevant information.

What do American Underwriters Insurance Ratings and Consumer Reviews Say?

Consumer information on AUIC is difficult to find. The Better Business Bureau (BBB) does not have a file for the company. Parent company Crum & Forster has two BBB files, one for a location in Boston and the other in Morristown, NJ. The two files both have an A+ rating.

We found one Google review for AUIC, a very basic positive review. Aside from this, we were unable to find other customer reviews, either positive or negative, for this company.

American Underwriters Insurance: The Bottom Line

American Underwriters is the type of insurance company to which an agent generally refers people when options are limited. It’s unlikely that this company will make its way onto the list for the average auto insurance customer. With very little information available, it is difficult to form a solid opinion on this company.

Now that you know all about American Underwriters auto insurance, see how much you could be saving. Enter your ZIP code to compare free car insurance quotes.