American Access Casualty Company review (2024)
American Access Casualty Company offers non-standard car insurance to people in Illinois, Indiana, Nevada, Arizona, and Texas. American Access Casualty Company has non-standard car insurance products that are geared specifically toward the Hispanic community and may be a great fit for individuals who are considered high-risk drivers.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 25, 2024
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: NR
- Monthly Rates From: $89-$279
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 630-645-7755
If you are on the hunt for car insurance, you may want to look into the American Access Casualty Company. American Access Casualty Insurance offers car insurance coverage for people who need same-day coverage, SR-22 insurance, or who have been driving for a while without car insurance.
Based on the company’s website, American Access Insurance products are affordable and hassle-free for most clients. American Access Casualty’s non-standard car insurance products are geared specifically toward the Hispanic community and may be a great fit for individuals who are considered high-risk drivers.
As you search for high-risk car insurance, you need to shop around online and compare quotes from several different car insurance companies. This will help you find better rates on non-standard coverage, and it will also allow you to find the coverage you need.
You can use our free quote tool above to find and compare car insurance rates from top companies in your area today.
American Access Casualty Company Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | American Access Casualty Company | U.S. Average |
|---|---|---|
| Full Coverage | $279 | $119 |
| Minimum Coverage | $89 | $45 |
American Access Casualty Company Car Insurance Costs
Car insurance costs are a significant consideration for anyone seeking coverage. American Access Casualty Company specializes in providing non-standard car insurance, particularly tailored for high-risk drivers. Here are factors that influence the cost of car insurance from American Access and what you should keep in mind when exploring your coverage options.
- Driving History: Your past driving record plays a significant role in determining your car insurance premiums. If you have a history of accidents, traffic violations, or lapses in coverage, you may be considered a high-risk driver, leading to higher rates.
- Location: Where you live can impact your insurance costs. Urban areas often have higher rates due to increased traffic and a greater risk of accidents. Additionally, states have varying insurance requirements and regulations that affect pricing.
- Coverage Needs: The type and amount of coverage you choose will also affect costs. Basic liability coverage is generally less expensive than comprehensive coverage which includes additional protection for your vehicle.
- Vehicle Type: The make and model of your vehicle can influence your insurance costs. High-performance or luxury cars typically come with higher premiums.
- Age and Gender: Younger and less experienced drivers tend to have higher premiums. Additionally, some insurance companies may consider gender when determining rates.
- Discounts: Many insurers, including American Access, offer discounts for safe driving, bundling policies, and more. Taking advantage of these discounts can help reduce your costs.
- Credit History: Some states consider your credit score when setting insurance rates. Maintaining a good credit score can lead to lower premiums.
American Access Casualty Company offers non-standard car insurance to individuals in specific states, often targeting high-risk drivers. When it comes to the cost of coverage, it’s essential to consider these influencing factors.
To get an accurate quote for your car insurance needs, it’s recommended to contact American Access directly, providing them with your specific details to receive a personalized rate that matches your unique circumstances.
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Coverage Options With American Access Casualty Company
When selecting car insurance, having a comprehensive understanding of coverage options is essential. American Access Casualty Company specializes in offering non-standard car insurance to cater to the unique needs of high-risk drivers. While the specific coverage options may vary, it’s crucial to explore the types of coverage typically available through American Access Casualty Company.
American Access Casualty Company primarily serves high-risk drivers, and as such, they offer coverage options that align with the needs of this demographic. While the company’s website does not specify the exact types of coverage, it emphasizes providing non-standard auto insurance for clients considered high-risk. Non-standard auto insurance often includes liability coverage that helps policyholders meet their state’s auto insurance requirements for legal driving.
It is essential for drivers in states where American Access operates, such as Illinois, Indiana, Nevada, Arizona, and Texas, to explore the coverage options that best suit their needs. To gain a deeper understanding of the available coverage, visiting the American Access Casualty Company website or contacting their agents for a personalized quote is recommended.
American Access Casualty Company offers non-standard car insurance tailored for high-risk drivers. While the specific coverage options are not detailed in the provided information, it’s clear that their focus is on providing insurance solutions that help policyholders meet state requirements for legal driving.
For individuals residing in the states served by American Access, it’s important to explore the coverage options and speak with company representatives to determine the most suitable coverage for their unique circumstances.
Penalties for Driving Uninsured by State
| State | First Offense | Second Offense |
|---|---|---|
| Alabama | Fine: Up to $500; registration suspension with $200 reinstatement fee | Fine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension |
| Alaska | License suspension for 90 days | License suspension for one year |
| Arizona | Fine: $500 (or more); license/registration/license plate suspension for three months | Fine: $750 (or more within 36 months); license/registration/license plate suspension for six months |
| Arkansas | Fine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment | Fine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. Court may order impoundment |
| California | Fine: $100-$200 plus penalty assessments. Court may order impoundment | Fine: $200-$500 within three years plus penalty assessments. Court may order impoundment |
| Colorado | Fine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service | $1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours community service |
| Connecticut | Fine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee | Fine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee |
| Delaware | Fine: $1500 minimum fine; license/privilege suspension for six months | Fine: $3000 minimum fine within three years; license/privilege suspension for six months |
| Florida | Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement | Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for second reinstatement |
| Georgia | Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due | Within five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due |
| Hawaii | Fine: $500 fine or community service granted by judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six months | Fine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months |
| Idaho | Fine: $75; license suspension until financial proof. No reinstatement fee. | Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee. |
| Illinois | Fine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proof | Fine: minimum of $1,000; License plate suspension for four months; $100 reinstatement fee and insurance proof |
| Indiana | License/registration suspension for 90 days to one year | Within three years: license/registration suspension for one year |
| Iowa | Fine: $500 if in accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over | N/A |
| Kansas | Fine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100 | Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100 |
| Kentucky | Fine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown | Within five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown |
| Louisiana | Fine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 days | N/A |
| Maine | Fine: $100 to $500; suspension of license and registration until proof of insurance | N/A |
| Maryland | Lose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration | N/A |
| Massachusetts | Fine: $500 to $5000 fine and/or imprisonment for one year or less | Within six years: License/driving privileges suspended for one year |
| Michigan | Fine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State | N/A |
| Minnesota | Fine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months | N/A |
| Mississippi | Fine: $1000; driving privileges suspended for one year or until proof of insurance | N/A |
| Missouri | Four points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement fee | Four points against driving record; driver may be supervised; suspended for 90 days with $200 reinstatement fee |
| Montana | Fine: $250 to $500 fine and/or imprisonment for no more than 10 days | Fine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days |
| Nebraska | License and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years | |
| Nevada | Fine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsiblity) if lapsed more than 90 days; reinstatement fee: $250 | Fine: $500 to $1000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500 |
| New Hampshire | Not a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance. | N/A |
| New Jersey | Fine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per year | Fine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service |
| New Mexico | Fine: up to $300 and/or imprisoned for 90 days; license suspension | N/A |
| New York | Fine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of license if without insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance. | N/A |
| North Carolina | Fine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee | Fine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee |
| North Dakota | Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove this notation is $50. | Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50. |
| Ohio | License/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied) | License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied) |
| Oklahoma | Fine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees. | N/A |
| Oregon | Fine: $130-$1000 ($260 is the presumptive fine); If involved in accident — at least a one year license suspension; proof of financial responsibility required for three years | N/A |
| Pennsylvania | Registration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period | N/A |
| Rhode Island | Fine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50 | Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50 |
| South Carolina | Fine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee | Fine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee |
| South Dakota | Fine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license. | N/A |
| Tennessee | Pay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25 | N/A |
| Texas | Fine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements) | Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day. |
| Utah | Fine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee | Fine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee |
| Vermont | Fine: up to $500; license suspended until proof of insurance | N/A |
| Virginia | Fine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid | N/A |
| Washington | Fine: Up to $250 or more | N/A |
| West Virginia | Fine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee | Fine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance |
| Wisconsin | Fine: up to $500 | N/A |
| Wyoming | Fine: up to $750 fine and up to six months in jail | N/A |
Read more:
- American Access Casualty Company Car Insurance Review
- How many points to suspend a license in New York?
- Best Cheap SR-22 Coverage Car Insurance Company
- Can the police impound your car for no insurance?
Discounts With American Access Casualty Company
One of the factors that can significantly impact your car insurance costs is the availability of discounts. American Access Casualty Company, specializing in non-standard car insurance for high-risk drivers, may offer various discounts to help policyholders save on their premiums. Understanding these potential discounts can be crucial in securing affordable coverage.
While specific discount offerings from American Access Casualty Company are not detailed in the available information, it’s common for insurance providers to offer a range of discounts that can help lower insurance costs. These discounts can include:
- Multi-Policy Discount
- Safe Driver Discount
- Good Student Discount
- Defensive Driving Course Discount
- Multi-Car Discount
- Pay-in-Full Discount
- Discounts for Vehicle Safety Features
- Loyalty Discounts
While the specific discounts offered by American Access Casualty Company are not listed in the provided information, policyholders should inquire about available discounts when obtaining a quote or policy. Discounts can play a significant role in reducing the cost of insurance coverage, making it important for high-risk drivers in states served by American Access to explore these potential savings opportunities.
Average Monthly Liability Rates by State
| States | Average Monthly Liability Rates |
|---|---|
| Alabama | $37 |
| Alaska | $47 |
| Arizona | $48 |
| Arkansas | $36 |
| California | $45 |
| Colorado | $49 |
| Connecticut | $59 |
| Delaware | $69 |
| District of Columbia | $58 |
| Florida | $76 |
| Georgia | $55 |
| Hawaii | $39 |
| Idaho | $32 |
| Illinois | $40 |
| Indiana | $34 |
| Iowa | $27 |
| Kansas | $32 |
| Kentucky | $47 |
| Louisiana | $73 |
| Maine | $30 |
| Maryland | $55 |
| Massachusetts | $52 |
| Michigan | $72 |
| Minnesota | $39 |
| Mississippi | $41 |
| Missouri | $38 |
| Montana | $34 |
| Nebraska | $33 |
| Nevada | $64 |
| New Hampshire | $35 |
| New Jersey | $76 |
| New Mexico | $44 |
| New York | $71 |
| North Carolina | $31 |
| North Dakota | $25 |
| Ohio | $35 |
| Oklahoma | $40 |
| Oregon | $53 |
| Pennsylvania | $43 |
| Rhode Island | $68 |
| South Carolina | $50 |
| South Dakota | $26 |
| Tennessee | $37 |
| Texas | $49 |
| Utah | $45 |
| Vermont | $30 |
| Virginia | $38 |
| Washington | $53 |
| West Virginia | $43 |
| Wisconsin | $33 |
| Wyoming | $29 |
| *National Average* | $48 |
American Access Casualty Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
American Access Casualty Company provides multiple convenient options for filing insurance claims, ensuring that policyholders have flexibility in choosing the method that suits them best. You can file a claim through their online portal, over the phone, or by using their mobile app. This accessibility can be particularly valuable during stressful times when immediate assistance is needed.
Average Claim Processing Time
The efficiency of claim processing is a crucial factor for policyholders. American Access Casualty Company aims to streamline the claims process to ensure that customers receive prompt assistance. While specific processing times may vary depending on the nature of the claim and the documentation provided, the company strives to expedite the process to minimize any inconvenience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in assessing the effectiveness of an insurance company’s claims resolution process. It is essential to gather insights into how American Access Casualty Company handles claims, including whether customers are satisfied with the resolutions and payouts they receive.
This feedback can provide valuable information for potential policyholders seeking assurance in their insurance provider’s reliability.
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American Access Casualty Company Digital and Technological Features
Mobile App Features and Functionality
American Access Casualty Company offers a mobile app that enhances the convenience of managing your insurance policies. The app is equipped with a range of features designed to simplify the insurance experience.
These features may include the ability to view policy details, make payments, access digital insurance cards, and even file claims directly from your mobile device. Evaluating the functionality and user-friendliness of the app is crucial for policyholders who rely on digital tools for their insurance needs.
Online Account Management Capabilities
The company’s online account management capabilities are a key component of their digital services. Policyholders can log in to their accounts on the American Access Casualty Company website to access various features.
These may include updating personal information, reviewing policy documents, making payments, and monitoring claims. Understanding the scope and ease of online account management can help customers make informed decisions about their insurance provider.
Digital Tools and Resources
In an era of digital innovation, insurance companies often offer additional digital tools and resources to assist policyholders.
American Access Casualty Company may provide resources such as educational materials, calculators, and risk assessment tools to help customers make informed decisions about their coverage. Exploring these digital resources can empower policyholders to navigate their insurance needs more effectively.
Does American Access Have Good Ratings and Reviews?
Unfortunately, company ratings for American Access are not very positive. In 2015, A.M. Best downgraded American Access’ financial rating from bb+ (good) to bb (fair). Soon after this rating, American Access requested to withdraw from the financial rating process with A.M. Best.
This type of review does not create a lot of confidence in potential clients, as they may worry about filing a claim and never receiving a payout for covered expenses.
If you need non-standard car insurance, it is a good idea to look at the financial strength ratings and customer reviews of any company you are considering before you make a final decision. This could help you avoid purchasing a policy with a company that is incapable of supporting you when you need it most.
Be sure to use our free quote tool below when you shop around for car insurance coverage in your area today.
History and Mission of American Access Casualty Company
American Access Casualty Company has established itself as a prominent player in the insurance industry, offering specialized non-standard car insurance solutions. The company’s mission revolves around providing accessible and affordable insurance options, particularly tailored for high-risk drivers.
They have been dedicated to serving the needs of their clients in Illinois, Indiana, Nevada, Arizona, and Texas. With a commitment to offering hassle-free coverage, American Access aims to bridge the gap for individuals facing challenges in obtaining car insurance.
Their mission aligns with a dedication to providing insurance products that cater to the Hispanic community and making sure that even high-risk drivers have access to the coverage they need.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.