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Do Not Even Think About Buying AARP/ Hartford Auto Insurance!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CONNECTICUT -- After having AARP/Hartford Auto Insurance for about 10 years, some of our miserable experiences: An apparent Albuquerque gangbanger (one of an army of them here in New Mexico, check the crime stats) one day followed me to my parsonage. While he called the cops falsely accusing me of running into him, I called the cops to report him stalking me. I was not involved in any accident with him nor anyone else, and there was no evidence to prove such an accident. I was assured by the AARP/Hartford claims adjuster, Jeremy **, that I had nothing to worry about and that my premiums would not increase.

I had been totally accident-free for 10+ years before this false accusation and up to and including today. Months after this fake accident, I learned that our premiums had skyrocketed, and the reason was that the false accuser filed with his insurance company, which held a secret arbitration and decided 100% in favor of the false accuser. I never was told about this arbitration, never was allowed to present my side, never was informed by AARP/Hartford that I "lost" this secret case nor that they were increasing my premiums.

AARP/Hartford provided the lamest defense for me in the annals of arbitration cases; clearly intending for me to lose so they could skyrocket our premiums, which they did. AARP/Hartford refused to provide me any info. relevant to this so-called arbitration, and our corrupt New Mexico state insurance officials defending them, fraudulently claiming that since the proceedings were a legal "work-product" I had no right to know what they were, nor even what alleged evidence they presented (if they even consider evidence), nor even a copy of their decision.

Being linked to AARP - clearly like a monstrous Siamese twin - which we were members, we bought our auto insurance with Hartford because of our trust in AARP. We later came to the belief that AARP, while it used to be pretty good for Seniors, had clearly morphed itself into some hideous corrupt money-grabbing beast. When the AARP/Hartford talks about "accident forgiveness", it clearly does not apply to its policy holders, but to its corporate chiefs who forget to strap on their adult diapers before stepping onto their luxury yachts we were paying for.

We had several vehicles insured by the AARP/Hartford. When I sold one and did not replace it, I called the AARP/Hartford, and was told that because I had sold a truck and now had less vehicles, it was going to have to INCREASE our premiums! AARP/Hartford constantly made costly mistakes in our paperwork that somehow always seemed to result in higher premiums for us. Whenever I complained, its people would "play the stupid" to excuse their mistakes, but not a penny ever returned to us.

We switched our auto insurance to another company and now pay about 1/3rd of the rip-off premiums AARP/Hartford was charging us. I had to repeatedly try to cancel the AARP/Hartford insurance, it kept on billing us after I kept telling it that we had quit it. Thank God, we did not have one of those automatic bank withdrawal or credit card accounts with AARP/Hartford.

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The Hartford Does Not Value Their Customers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

RANCHO CUCAMONGA, CALIFORNIA -- I have been with the Hartford for 15 years. I had a problem with a payment going through due to my Debit card being replaced with a new card. I paid it on the 2nd of February. I was not aware that the old Card number was on the site. The payment was not honored due to the change.

My policy was canceled immediately because of this misunderstanding. When I called the Hartford on the 19th of February to reinstate after I got a letter from them dated February 11th they would not reinstate unless I paid the full balance for the whole year of close to $500.00. I asked if I could make a payment or even half of the amount. They said "No" because I did not contact them soon enough. Remember the letter was dated the 11th of February which means it still needed to be mailed so the 13th or 14th it would have arrived. So 7 days or under is the time frame that you are supposed to contact them I guess.

I have never had an accident or any problems. Always paid my bill - again customer 15 years. In the past if there was a problem with a credit card it was no problem to reinstate and take the monthly payment (which happened once before a few years ago). Lucky I had a credit card or else I would have not been able to reinstate the policy and been left without insurance.

This is totally unreasonable as I started with the policy because of AARP thus Hartford deals with older people who may not be able to contact them in the time frame of under a week due to illness or family illness plus most older people are on a fixed income and may not be able to pay the whole year off.

I don't know what happened with this company. They used to be caring & helpful but not anymore. They are now nothing more than another greedy insurance company that cares more for profit than for people. Needless to say after this and when my policy is up for renewal I will not be continuing with the Hartford and will not recommend anyone else to do business with them.

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Retaliation over doing the right thing
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

HARTFORD, CONNECTICUT -- The Hartford is a shady business. They will agree they owe half of damages and mail the check (they really owe full but will only agree to half) when you start complaining and filing complaints with the officials they MAGICALLY remember a state statue that keeps them from paying anything they stop payment on the check and hide behind this state statute they magically remembered weeks after agreeing they owed money. I wouldn't recommend them to my worst enemy! The company retaliated once I filed complaints and they then stopped payment on their check and are hiding behind a state statue that was there when they agreed to pay initially claiming "we only just found it" Really, its been there for a while. Because I won't bow down to the big insurance company and agree to whatever they want. Retaliation for complaints rather than doing the right thing. Maybe that should be the new company motto?

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Did not discuss the policy when went through AARP for insurance
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HOUSTON, TEXAS -- In 2007 we switched over to Hartford to get cheaper rates and never once did they explain that our deductible is based on a percent of the home value. Well there is no way that I would have agreed on this which they know would be turned down. So what do you do with policies when you get them in the mail after talking to the seller, you put it up in a safe place until needed. Well we all know Hurricane Ike hit us here in Houston 2 weeks ago. The house fared well but took off the shingles on on side of the house.

I called and reported the damage and it took almost 2 weeks to get an adjuster out and over the phone before he got here told me I had a 5% deductible which was in the amount of $7,900.00 leaving them paying me just over $600.00 total. Well I was furious and got on the phone and spoke with (won't say his name) that didn't know anything. He told me I had a choice of percents when the policy was written. He was belligerent, and rude. He put me on hold and when he came back he told me in this entire coastal area there is no choice, it's 5% of the home value and that's the way it is and they don't have to tell this when selling a policy.

I have called around to other insurance companies and all they could do was laugh saying it is standard to have a 2% deductible. Not 5%!! The bad thing, AARP recommend Hartford. Do you know how many of us live from day to day on fixed incomes in our senior days. Do you know how many belong to the AARP? Millions!! This deepens the pockets of the Corporate office from the CEO, of the Hartford and without the seniors of AARP, they won't get their yearly bonuses all the way down.

To hell with the senior citizens just trying to make it until they die. I have switched insurance companies and I hope this wakes up all you other seniors before you get the screwing I did. Cancel Hartford and get some quotes on different companies. Change now! I just received a call from the VP of claims saying they looked at the transcript of the conversation that they taped when the policy was sold. (Now get this, I was told earlier there was no record of the call because it had been a year and all the sudden up jumps a tape saying the 5% was discussed but not what the 5% was for.)

Anyway he said they were not making any adjustments because she had agreed to 5%. You would have to be BRAIN DEAD to purchase a $7,900.00 deductible policy and my wife is a school teacher and very intelligent person and very tight with our money. I have now dropped the insurance from the AARP insurance program with the Hartford Insurance Co. I now have a 1% policy and 2% for wind paying less with State Farm on deductables. We also switched our cars over to State Farm as well and the whole policy was cheeper than Hartford for which they are supposed to represent the elderly with AARP. SHAME ON YOU HARTFORD, YOU ARE NOT THE ONLY INSURANCE COMPANY OUT THERE!!!

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Avoid This Company if You Value Your Sanity!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MANCHESTER, TENNESSEE -- The Hartford has to be the worst company that I have ever dealt with. My local agent switched us to The Hartford without prior knowledge or our approval on January 1, 2012. The rates were absurd but it was too late to switch due to my escrow account already paying out before we even were given a quote. In the beginning of October 2012, we received a notice from The Hartford that they had randomly inspected our home and that due to slight curling of the shingles, our home was declared a hazard.

We were given 2 weeks to have a roofing contractor to come evaluate and repair our roof and provide evidence that the work had been completed otherwise our policy would be cancelled. We hired a roofer and he said that we had hail and slight wind damage and should file a claim. By the time a claim's representative came out to inspect the roof, the 2 week deadline had passed and I notified the underwriting department of our progress. My roofer quoted a $4800 price to replace the roof... The Hartford sent a check for $870 and once the roof was completed and evidence provided, sent another $2600.

So we were bullied into this new roof, to replace a non-leaking 14 year old shingled roof. Fast forward to the end of November and what happens? We receive a non-renewal notice from The Hartford due to not repairing the hazardous roof! Phone calls were made and nobody within their arrogant staff was willing to even listen to our problem and certainly not try to find a solution to the main concern of non-renewal due to hazards showing up on our file as we go to find a new policy holder.

It took me calling them out on Facebook to even get an employee to listen, but they still didn't get this garbage removed from our file.... just the standard hired "apologizing and butt kissing" employee. I want to save anybody considering The Hartford from the stress and maddening situations that come with being their customer. I will be airing my grievances on any forum possible as well as contacting the Insurance Commission about their shoddy practices.

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"Losing the paperwork"
By -

To disclose, I work for an insurance company who's short term disability benefits are administered by The Hartford. On Halloween I was jumped by some drunk idiots outside a bar while trying to catch a cab. Luckily for me, the police witnessed the entire incident and chased the perpetrators 4 blocks to arrest them. However, it was not conveyed from the officers to the EMTs the nature of the attack. I only learned a week later when the detective called me to ask if I had remembered being kicked in the head which I had clearly had no recollection of.

To make matters worse, the ER techs only stitched me up and didn't even bandage me, let alone treat me for the stage 3 concussion I was eventually diagnosed with. It took me weeks to get a specialist's appointment, and it took the doctors at the concussion clinic 6 weeks after the incident to establish that I needed time off and that my condition was regressing.

The Hartford doesn't seem to agree and tipped their hand to me on the 17th or so call still making an issue that I worked for almost 6 weeks after the incident, and has denied my claim twice -- not because they think my condition is not legitimate, but citing paperwork not yet received and losing doctors reports. Not helping me is that my doctors don't use e-mail and are very hard to reach.

Considering my condition left me in a space cadet state where I was misplacing my house keys on a regular basis, I'd say the Hartford is currently doing a pretty good job of exploiting me trying to get me frustrated and give up, since they can't really deny me any other way.

This probably could have been handled better if the EMTs and the ER treated me for a concussion but leave it to a for-profit insurance company to try to exploit the situation. And since I work for one, I'm not oblivious to what can happen in the industry. I'm on Round Three of sending them doctors paperwork -- let's see what happens this time!

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Consumer Beware of The Hartford
By -

Beware - I am on short-term disability; no question that I am unable to perform my job due to Carpal Tunnel. I was told by employer (Wal-Mart) to file with The Hartford, as they had me take a Leave of Absence until my doctors would release me back to work.

I filed, Attending Physicians Statement sent into them. Keep checking on the claim; it is pending. Then I hear it is being denied "as no medical records, proof of tests, medication or treatment" were sent into them. Well... guess what? The state of MO has HIPA laws which require The Hartford to request, in writing, my authorization to release the documentation to them. It is a form they must send into me or my doctor's office. After they had denied it, I brought this to their attention. They did fax over the authorization request, I signed it so the clinic and doctors could send the required info to them.

I took 3-4 days for the medical staff to obtain all of the information and send it out; which was at the very end of January. While it is still in the mail. I am still hearing, via their voice messages all this time, that my claim is still denied; not pending, mind you. I spoke to two separate people about this and they said, don't worry about that; it will say denied until we get the records. Lo & Behold, I get a letter, dated Feb. 1, 2007 from them, which was mailed out to me while my medical info was being sent to them; and the letter denied my claim because they had no medical backup so I was determined able to do my job.

Hey, the attending Physicians Statement clearly stated "Unable" to Lift, "Unable" to carry, "Unable" to do repetitive motion "Unable" to drive.... my own employer will not allow me to work, knowing my condition; yet The Hartford say I am able to. Plus, it is their mistake the forms needed to get my backup; which I do indeed have, were never sent in.

I faxed a letter asking them to contact me, today, and of course, in their normal manner; I have heard nothing. Here I am; no money since end of December; can't work; in physical and now mental pain. DO NOT WASTE YOUR MONEY WITH THIS COMPANY! THEY ARE CHEATS AND LIARS. I was a Claim's Manager for years and this is not how you keep costs down; at the expense of people's livelihood.

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Denial of my claim based on the case worker's prejudice
By -

My worker's comp claim was denied, I strongly believe, because the case worker that was assigned to handle my claim was prejudiced. When I called to make my claim about my work injury, this lady's attitude was really rude, she was "talking down" to me the moment she heard my accent. I've been an American citizen for many years. Throughout the 20 years of my family and I living in the land of the free, we have plenty of "experience" in being prejudiced against because we are not born here.

I'm fluent in three languages including English. However, this case worker from Hartford workers compensation didn't return some of my few calls when I called with questions regarding my claim. (She was rude and hateful in her answers to my questions when she returned a couple of my calls.) She ignored most of my few past calls except this morning when she returned my call to tell me that she denied my claim. This claim agent has done this for one month, stringing me along. I have filed all the paperwork she asked for.

I believe that she already made the decision to deny my claim from the beginning of the claim process. She told me from the first phone conversation that I would get the least amount of money, she constantly, tried to "put words in my mouth"; statements that I was not making, she was "talking down" to me, like I was some illiterate foreigner; to state that she was rude is an understatement. I haven't been this disrespected in a while.

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Claims? Get a lawyer
By -

If you have a claim against The Hartford, I strongly recommend you get a lawyer. A Hartford client was ticketed for his actions that resulted in a collision between his truck and my motorcycle. No argument possible about fault. The Hartford people separate the personal injury claim from the vehicle/property claim--unless it suits them to talk about both at once. But they seem error-prone or dishonest-- I can't tell which-- on both sides of the process.

The personal injury guy told me I have to eat the first $4000 in medical costs because of my state's laws. I believed him until I asked a lawyer, who told me that exclusion does not apply to motorcycle riders. If that was an honest mistake (from someone who does this all day every day) then it was pretty convenient.

The property claims folks were disorganized and dragged their feet quite a bit. The first time their mailed instructions differed from their phone instructions, I was told, "Oh you have to go with what is in writing." Then they sent me a written offer with an amount for my totaled motorcycle, but told me on the phone when I tried to accept the offer, "We are mistaken-- It is cheaper to fix your bike-- We take it all back." I now wish I had called a lawyer as soon as I got done with the first doctor visit. I absolutely do not trust The Hartford.

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The Hartford Rating:
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1.5 out of 5, based on 8 ratings and
19 reviews & complaints.
Contact Information:
The Hartford
One Hartford Plaza
Hartford, CT 06155
1-860-547-5000 (ph)
www.thehartford.com
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