Hartford Financial Services

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Hartford Insurance Claim
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I, too, have extremely disappointed with the service received from Hartford after a car accident. The claims handler was rude and treated my phone call as a complete inconvenience. A week later my car was still in the tow yard and no one had looked at it. I called again and talked with a woman named Josie Medina who was outstanding. She listened and truly cared. She helped me set up a rental car and gave me the number of the claim handler's supervisor. But the supervisor did nothing more than apologize and made promises that she didn't follow through on until I started calling every day.

Finally my car was picked up and taken to Denver which is 5 hours away. A week later an adjuster called and said the car could be fixed, not totaled as the computer had designated. He agreed to have the car brought back to my hometown to be fixed. His boss called later and said they didn't want to bring the car back but would have it fixed in Denver. I reminded him that according to my policy it is my choice. He unhappily agreed to have the car hauled back. An hour later he called again and offered to buy me out. Thankfully I got the offer in writing via fax.

Two weeks later the person who was to cut the check called, only the price he quoted was two thousand less than the offer. He all but called me a liar when I told him the real offer, until I told him I would be happy to fax him the quote that had been faxed to me in writing.

It took over a month and numerous phone calls to poorly trained, uncaring "customer service" people before the claim was settled.

As a 54 year old Human Resources professional, I deal with stressful issues all day long but have to say that by the time my claim was settled, I was pretty damned fed up!

But it didn't end there. When I purchased a new vehicle, I was told that the wrecked car was still on the policy, and that I was to have called to have it removed. The claims handler does not do that. As per my call, the premium for the wrecked car would be backdated and deleted.

But lo and behold, I get the endorsement and the wrecked car is still on the policy and I am being billed for coverage. I call again and am assured it will be taken care of, and that I will be refunded the two months premium I'd already paid on the wrecked car. Then another bill, the car is still on it. No mention of a refund. All three premium amounts have been different, the one over the phone, the first endorsement bill, and then the next. And each one higher than the previous.

Enough I say, cancel the policy and go with a certified agent here in town.

I got a letter in the mail today from Hartford. Yes, they are charging me a 10% cancellation fee. Well worth every penny to be done with such an incompetent organization.

Bottom line, stay away from insurance companies that only offer 800 number service. With any claim, write down who you talk to and when, and get whatever you can in writing.

As for AARP, as long as they endorse a company that writes policies without the resources to back them up, I will not belong to that organization. Thankfully I was young and savvy enough to jump through all the hoops and FINALLY get my money. Thankfully this did not happen to my mother. I can only imagine how hard it would have been for her.

Wake up AARP, do a complete audit of what is really going on with the company that you are endorsing.
     
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Over 100% increase in automobile insurance
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Being long time members of AARP, my wife and I were pleased to have the opportunity to join The Hartford and get the advertised cost reduction on our car and newly purchased home. My wife and I are the only drivers and each of us have driven for nearly sixty years without a traffic violation, not even a parking, speeding, or a stop sign violation. We have never filed a claim in our fifty-two years of marriage. On January 8,2010, on a foggy, rainy night around 9:30, I was leaving the Safeway parking lot. After stopping and making sure the way was clear, I entered the three lane street, turned right, and was crossing over to get in the left lane for a "U" turn about about 100 yards away. Suddenly, a car sped by and clipped my left front bumper just as I was entering my turn lane. I saw nothing coming, so I can only assume the car had made a "U" turn an entered the left lane after I had checked to make sure the way was clear. I stopped and talked to the girl who was driving her grandma's car, gave her my insurance info, and got the info on her grandma, s car. Police were not notified since there was no injuries, and damages were so slight. In fact, my car has such minimal scratches that I had to point them out to my wife when I got home. My car still has the scratches, and practically unnoticeable. I contacted AARP- The Hartford, gave them all the info, and notified the state insurance office. The representative who I talked to at Hartford told me that he would be in touch if anything was made out of the incident. So, it was all but forgotten until June 9th when we received a notice from Hartford showing that our auto insurance policy had increased by more than 100 percent. Since hearing nothing for over five months, the new rate was shocking. I immediately contacted Hartford and was told that the increase was due to the January accident. The person who I talked to said that Hartford had paid $10,000 to repair the other car. Remember, we heard nothing for over five months. I'm still trying to figure how the other car could require $10,000 in repairs while my car requires nothing. Leads me to only one conclusion - that is, someone padded the bill, big time. Tomorrow, Hartford will be notified to cancel our car and home insurance, because we have purchased our insurance with another company. Oh, by the way, we were told that the first accident would be forgiven.
     
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Hugh_Jorgen on 2010-06-11:
The moral of the story is always call the police and get an accident report written, no matter how minimal the damage might seem. The other driver could have sideswiped a phone pole on her way home and then claimed you did the damage and you have nothing to disprove their claim.
sanah on 2011-05-14:
Oh yes, I was told that too, but it didn't happen...I have not had any accidents but found a dent they repaired for $484.00 was put on my record as 'an accident' (close encounter with a snow/ice bank) and then when the tread came off my tire and beat the heck out of my bumper, they tried to call it a collision, even though it wasn't. They cancelled me when I only paid the regular monthly amount instead of the triple amount they wanted as 'a deposit' after being a customer for many years. Never been cancelled in the 41 years I have has incurance. They are thieves taking advantage of people who trust AARP
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Dishonest and unfair
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I was in a car accident in October 2006. An old lady ran a stop sign and I hit her at the intersection (I did not have to stop). At first they said that I was 15% liable because I should have seen her coming. I argued that down to 5% based on the layout of the intersection (cars parked along the road, house makes side streets not visible until you are in front of them). On principle I would have argued it lower, but I wanted to get it over with. After the accident, when I called the insurance company they stated that they would not agree to pay for a rental car until liability was established. I explained that the vehicle that was damaged was our only vehicle for a family of five, and that we needed that to get to work, the children to school, etc. The representative stated that once liability was established that the car rental would go retro. I agreed that I would put the rental on my credit card and then seek compensation from them with the settlement once liability was established (there was no doubt in my mind that liability would be on their insured). To make a long story short, when it came time to pay for the rental car, they stated that they would not pay for the rental car until liability was established, and that it would go retro (from that day that we were having the conversation back to the day that liability was established). I explained that was not what this exact same representative had told me, and that that was not retroactive. I explained to her that the fact that liability hadn't been established at that point did not make them any less liable in the situation, but she still said they could only pay after liability had been established, which was more than a week after the accident (were they dragging their feet to get out of paying more???). I spoke to her supervisor and expained the situation AGAIN, stating that we didn't have another vehicle and that I was entitled to a rental since their insured and made my van undriveable. She agreed to pay for the rental back to the day of the accident. Then she argued about the towing and storage. I told her that I couldn't have parked my car at my home because of city ordinances regarding inoperable vehicles, and the two body shops that I had called (the two that I would actually let work on my van in the area) said that if they were not contracted for the work that they charged storage, which was, in fact, more expensive than the storage charged by the towing company. I explaned this, and she still refused to pay for storage beyond the three day window from when they sent the letter. I didn't know if the van was totaled, which is why I didn't have it taken to the body shop.

Anyway, getting ANYTHING from them was a nightmare, and in most cases I just settled because I was tired of dealing with it. Now I have medical bills going to collections because they agreed to pay medial bills for the 30 days after the accident, and those have not yet been paid. I've been begging the creditors not to send them to collections, but I'm guessing they've waited enough, and I suppose they're right.

I have nothing good to say about The Hartford. Nothing at all.
     
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Sparticus on 2007-03-30:
Insurance companies (claim agents) are trained to give you a hard time... banking on the fact that you will give up eventually and save them a few bucks! I used to work at an insurance company and I overheard a conversation in the elevator regarding this exact topic... they were discussing and laughing how the rule of them is to always deny a claim first regardless of what it is... pathetic. Anyway, next time I wouldn't give them a dime extra... you pay your insurance premium every month for this coverage... they owe you what you pay for. Don't let them talk you out of it.
Anonymous on 2007-03-30:
Thanks for the heads-up about Hartford. Thanks also to Sparticus for the interesting info.
Anonymous on 2007-03-30:
File a suit in court against the lady and Hartford. This business about you taking some of the liability is absolute bull. She ran the stop sign, not you. If the police issued her a citation and none to you then you are guiltless.

Imagine if all insurance companies used this 'admission of liability' in all claims. They'd never have to pay a dime. Let's say you're driving late at night and a car without any lights comes towards you and causes a collision. Using this liability excuse they would say that even though their client had no lights on you should have known they were on the road (even though you'd never seen them before) and should have never left your own home. Therefore it would be your fault.
*Brenda* on 2007-03-31:
Well, I hope you didn't sign anything accepting that liability. Even if you didn't... you just posted it here so I guess it wouldn't matter anyway.

Is this your insurance or her insurance? You could try going through yours and then what'll happen is that they will go after the Hartford to get their money back.
CDB33 on 2010-04-23:
Partial liability is a valid and commonly used equasion within the insurance industry. If you have worked for an insurer or know someone in the industry and they don't know of the term they are a bafoon and don't know their business. Just because you have the right of way doenst mean that you aren't able to avoid the accident. and in some cases you are not able to avoid being in an accident. This became law several years ago because there were (and still are) a lot of people out there that make a living out of insurance fraud... they create a situation where they get into a "not at fault" accident and sue the insurer & insured. These rules and laws are not only to protect the insurance company, but also the public not only from fraud but from price increases in insurance. If the insurance companies paid 100% on every claim, especially fraudulent claims, your insurance bill would be more than your carpayment and rent. based on my experience in the field I thin that the people at the Hartford treated you pretty well... sometimes you may get rep on the phone that may be new and fresh out of training and still learning (the retro example you gave on the rental)- but overall you didn't experience anything out of the ordinary or unethicle. the Hartford is rated as the most ethicle insurance company for 3 years now, the only 3 years that ethisphere has been rating copmanies on ethics.
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Scam Artists and Liars
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ARKANSAS -- I live in Arkansas, I went to Michigan where the frame broke. I traded for another car and Hartford canceled my Arkansas Policy and opened a Michigan policy. At a much higher rate. I told the woman I didn't live in Michigan, wasn't going to be living in Michigan. Said she would correct the mistake. I got a bill charging me $75 for "closing my account and re-instating it". The woman in accounting is such a smart alex, and Hartford doesn't make mistakes. She needs to be fired. I told her I'd move my auto and home owners to another company. She couldn't care less. I'm surprised the company doesn't care! Plus, when I added my Homeowners, they told me I'd get a discount on my auto insurance. Instead, they increased it. They lie as bad as DirecTV
     
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Alain on 2011-12-28:
My guess here is, that since insurance follows the car and not the person, when the car was purchased in Michigan it had to be insured in Michigan until you got back to Arkansas to register it and get plates there.
CowboyFan on 2011-12-28:
My understanding is that when you purchase a replacement vehicle, it is covered for 14 days to 30 days on your old policy. This would have allowed you time to get back to Arkansas on a temporary tag and get both tag and insurance resolved in Arkansas. I wondered if maybe the person was spending more than a few days in Michigan, but was in fact staying there for some time.
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Underwriters Of Hartford Insurance Does Not Make Mistakes
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When we received our renewal for our insurance on our vehicles we was shocked it had double with no explanation to why it had gone up. This happened in April of this year. We live on a fixed income and this really hurt. So like a dummy we kept trying to pay it but each month it has become harder to do, with all the prices on food and utilities going up. I decided to call and ask why this was done to us, come to find out they had the wrong mileage down on our vehicles and did this. Instead of reissuing a new policy they told us we would have to continue to pay the price they had on the policy until April of 2011 and when our policy started over they would put it back at the right amount. There was no mention of paying back our money which will be over a $1000. My point is would you or anybody like to donate your money to a insurance company because of their underwriters mistake so be aware and if something is not right on your insurance policy at renewal time call right then so the lazy underwriters don't rip you of like they have us.

The reason I say this that was what we were told we should have done. This has been a hard lesson for us to learn and do not want any one else to have this done to them.
     
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Skye on 2010-07-23:
Good advice. And they really DO NOT care about us. It's all about the almighty dollar. And whatever you do, don't you dare even attempt to file a claim if needed. This goes for all insurance companies, for auto insurance.
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Hartford cancells auto insurance without notifying me and sends premiums back
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I insured one of my vehicles with Hartford last year. Right from the start I had issues with them... first of all premiums were not delivered to me on several occasions causing a lot of work to try to straighten things out so they would not cancel me. They tried to cancel me one time due to non payment when they did indeed have my payment and this year I paid the entire years premium by the end of March to try to avoid any future premium problems with them and on 10-30-10 I received a check from them for $240.00 and all that it said was that it was a refund due to my insurance being cancelled on 10-04-10 which means that I was driving uninsured for 3 weeks. No letter or phone call from them explaining what their latest issue was. They simply cancelled me and sent me a partial refund 3 weeks later.
     
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idontthinkso on 2010-10-31:
Wow.. Sounds like half a story, but that's pretty unprofessional.
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Hartford Insurance problems through AARP
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SOUTHINGTON, CONNECTICUT -- During a recent storm some months back a large limb approx one thousand pounds broke from a perfectly healthy tree swinging in a pendulum motion striking my glass enclosed spa and deck causing major damage. The limb broke in half over top of the structure causing it to move sideways. I called the insurance company as soon as possible and was informed to take any measures I could to minimize further damage. I immediately drained the spa and secured deck to another large tree with a come along and chains to keep it from falling over and losing the spa on the ground that was five feet down. While doing this I pulled the deck back to original spot as good as possible. The insurance company sent out a contractor to inspect the deck followed by a engineer that without a level found that deck was not level, DAAA, so there claim for not wanting to pay full amount of claim is that a deck that was built years ago is not up to code because it is not level now after being struck by a thousand pound limb sideways. I have code up grade insurance. I have contacted adjusters and there supervisors numerous times with very few responses. They then sent me a check for approx one tenth of the amount of the claim.
     
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AARP should change endorsement
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My husband and I are in our early 60s; he’s retired I work as a nurse. We have impeccable credit and driving records. We’ve been AARP members for a decade, using Hartford insurance for our home and several vehicles with never a claim. Last year we moved to Alaska. For several months we sought home insurance, but were told Hartford only does business through the mail. We continued paying for the house we’d sold and even took out an unnecessary renter’s policy while mailing inaccurate and contradictory quotes back and forth from Alaska. In frustration, we finally insured our new home through Allstate, but kept the renter’s policy and two cars with Hartford.

When our son graduated from college we removed his vehicle from Hartford (as required) and canceled the unnecessary renter’s insurance. We live in a small town and drive our 8-year-old vehicle less than 5000 miles a year. I was told this updated information would go into effect next October. I again tried to insure our home with Hartford and was told rather tersely that they only deal through the mail. I asked for paperwork and was sent an application for car insurance! Then I got a bill, increasing vehicle insurance to almost $1000 a year.

We are simplifying our lives and no longer need multiple vehicles. We’ve tried to consolidate our policies with Hartford, but the obstacles are daunting. Hartford is no longer the best value of older couples. Their paperwork is copious and contradictory, they are unwilling to value past client performance, and seem intent on maintaining a high flow of cash from people who no longer require extensive coverage. When I canceled the final vehicle policy I was told I would be billed 7% of the remaining new policy amount figured until October.
     
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Bait and switch
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Hartford Auto Insurance used a "Bait and switch" tactic on my premium.
With no tickets or claims they increase my premium by 25%. This is unfair and Hartford should not be endorsed by AARP. AARP should be protecting seniors against this tactic.
     
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carl on 2012-09-12:
I have auto insurance with AARP when I signed up with them I thought they are here to help out the over 55 age and over. I signed on for auto insurance for the year 2011-2012 have no ticketts or violations and cost me 400.00. Now for 2012-2013 they want 600.00 for same policy good drivers record not even a parking tickett.So I called them thinking they made a mistake,they told me "no mistake" to take it or leave it. SO DO NOT GO WITH BAIT AND SWITCH. STAY AWAY FROM AARP they are not here to help you ,just themselves to your money.
Thomas on 2012-10-30:
I have been insured with Hartford on both house and autos for several years. No surprise that my home policy has been increasing substantially each year even with the auto/house discount. However, last April I was told that my auto insurance premiums would be less with comprehensive insurance rather than just liability, so I took the bait. I just received my next 6mos, premium which has increased by another $30 dollars--and after signing on to their website as a new subscriber discovered that their liability only offer is much cheaper than carrying comprehensive. Four other insurance carriers offer liability only at even lower premiums. This is definitely "bait and switch" with Hartford! Insurance shoppers beware! I talked to an agent with Hartford who reassured me that comprehensive is still less expensive than liability coverage, even though it isn't. UNBELIEVABLE!!
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THE BEST Insurance Company I've Ever Had
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INDIANA, PENNSYLVANIA -- Just wanted to recommend The Hartford insurance company to others. I have their auto insurance but they also offer home, etc. I am 19 and finding cheap car insurance is not easy. My rate from Hartford of $150 a month is very reasonable, I think, compared to Progressive's $320 a month for the EXACT same coverage. I recently had some damage to my brand new car (over $1,500) and the Hartford was so east to work with. They did all the investigating, covered the damage, and even waived my $500 deductible since it was not my fault in any way. They got me a rental car and everything. I am extremely satisfied. The staff is very pleasant, and they make me feel like a customer, not just a number.
     
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lwadkins14 on 2004-03-17:
ONE COMPLIMENT -------TEN COMPLAINTS. Not very good odds!
Karri on 2004-05-13:
Lucky you!
Hartford has been a horrible experience for me!
nasty customer service, too much to write!
horrible horrible horrible!!!!!
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