AARP Insurance Program Complaint - Unethical Practices; Lies about their policy
I was overjoyed to turn 50 and lower my Auto Insurance rates through AARP Hartford. My (and my spouse's) driving record was perfect-Indeed, I had not even been in an accident caused by someone else. As years passed, I was even more pleased when I read the comment attached to my policy: "Congratulations! You've earned the First Accident Forgiveness and Disappearing Collision Deductable benefits. Because all drivers on your policy have remained accident and violation free for the last five years (May vary by state ...), including three with the AARP Auto Insurance Program, providing these records remain clean, We'll forgive your first accident. Your rates won't go up because of the accident..."
OK, now I'm 57, still with a perfect driving record, and Hartford was still assuring me that they will forgive my first accident. (need I go on?)
In Feb, 2004, I backed into a vehicle in a parking lot. Minor damage, no one in the other car, no ticket issued. I found the owner, and as it was a Company car, he wanted to have a police report filed to cover himself. Hey, no problem, right? Hartford will forgive my first accident!
A month before the policy was due for renewal, I get a letter saying that, as a result of the accident, I was going to have a "surcharge" applied to my renewal. Well, gosh, I thought they were going to "forgive" my first accident. But, what the heck, the premiums were lower than I could get elsewhere, so what's a 10% charge for three years (The Industry standard)?
So, I get the Bill-they raised my rates by 80%! For three years! After paying premiums for seven years, their total payout for this claim was $300.
I called their (arrogant) representative, and he told me that "unfortunately, it's not what the policy says, but what it doesn't say, thats important..." whereupon I cut him off and implied what he could do with Hartford.
This is the third, and last, time Hartford will have the opportunity to misrepresent their policy, even to the point of lying, to me. All further communication will be with AARP and the State Insurance regulators. I would elaborate on the other two instances (which involve age discrimination for auto and home insurance)but I guess this post is too long anyway.