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.
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.
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.
TULSA, OKLAHOMA -- Introduced to the Hartford by AARP. When first insured by The Hartford, premiums were low and very competitive. Whenever I had claims they were prompt and their selected auto collision repair was excellent with only one disagreement (broken windshield from hailstorm was not included in the hail damaged body work; ten years ago, I still have a broken window because they wanted a second claim filed.) All other storm and collision damages were promptly and equitably paid without much effort. I rate The Hartford a 4.9 of 5.0 on claims resolution. Premiums however are now just about backbreaking so I am changing insurance companies.
VANCOUVER, WASHINGTON -- In late 2010, I inadvertently backed into and dented the plastic from bumper of another car. The dent was about 5 inches long and maybe 1/2 inch deep. I was at fault. The owner of the car I hit got it repaired to the tune of $770.00. Because I was without insurance at the time, (I am insured now) I was liable for the cost. Rather than contact me, the Hartford sent the claim directly to a debt collector in Florida.
I finally paid off the $770.00 and have the final receipt. If the Hartford treats everyone this way, no contact, then it is no wonder that they have the highest premium rates I have seen. I was seriously thinking about moving all my insurance needs to them, car, house and contents. But, after this experience, I do not even want to drive by any of their offices, much less go to them for insurance.
After a quick review of a recent billing of my homeowner's policy through The Hartford I find out that the yearly policy amount has more than doubled. I am from Ohio and I knew something was up as compared to other policies from other companies. I am also in complete agreement with others who think the AARP is taking a large cut from these insurers. I am now paying in one yearly billing to another company for more insurance coverage than I would have paid through Hartford in one quarter coverage. This is a scam and have even thought of turning them into the BBB.
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!!!
WHITSETT, NORTH CAROLINA -- Thr Hartford denied my short disability claim. They paid me for two weeks and after that nothing. My diagnosis was that I had a "stroke." My left side was not functioning at that time 25%. They thought I should be ready for work after two weeks - totally ridiculous! Not a good company to support. The pain and suffering from this along made it difficult to heal effectively. To worry about your bills being paid while recuperation is taking place is not a good policy.
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!