Tips For Filing ACCC Claims

We are no longer taking these claims but you may find some of the information below helpful:

Has ACCC Gone Bankrupt?

Yes. ACCC filed for bankruptcy and is going out of business. On December 30, 2020, a Travis County Court ordered that a Special Deputy Receiver be appointed to oversee the liquidation of ACCC The Court found that ACC does not have sufficient assets to continue doing business.

What Happens to ACCC Insureds?

Many of ACCC’s policies in Texas were transferred to Redpoint County Mutual Insurance Company. Many Alabama policies were transferred to Incline Casualty Company. Those whose policies were transferred should have been notified by the insurance company that took over.  Anyone not receiving notice who did not obtain replacement insurance beforehand had their policy terminated as of January 29, 2021 (unless their policy expired before then–no policies were renewed after December 30, 2020. These people may be eligible to file a claim with their State Insurance Guarantee Fund.

Accidents With ACCC Insureds

If you were in an accident with an ACCC insured that was still within the coverage period you may be able to make a claim with either the applicable State Insurance Guarantee Fund or with one of the companies that took over claims in Texas or Alabama. In Texas, the guarantee fund is Texas Property and Casualty Insurance Guaranty Association.

Background on American Century Casualty Company

American Century Casualty Company (ACCC) was headquartered in Houston, Texas. They were a smaller insurance company comparatively but they were doing business in the following states: Alabama, Georgia, Louisiana, Mississippi, New Mexico, South Carolina, and Texas.  ACCC has done business under several names including:

  • American Century Casualty Company (ACCC)
  • American Century Claims Service
  • Best Texas General Agency, Inc.
  • Old American County Mutual Fire Insurance Co
  • ACCC Insurance Company.

If you had insurance from any of the above, contact Redpoint County Mutual Insurance Company. to determine what happened to your policy. ACCC sold primarily selling non-standard auto insurance policies. That is, they marketed their insurance towards people who were considered high-risk drivers by the big standard auto policy insurers which may be due to prior tickets, prior accidents, age, sports cars, bad credit, or other reasons.

ACCC Non-Standard Insurance Policies

One type of policy we commonly see with ACCC is the non-standard auto policy. Non-standard auto policies are often very bare bones.  The State of Texas only requires that drivers carry a minimum of $30,000.00 per person and $60,000.00 total per accident for bodily injury liability and $25,000.00 for property damage. This is called a “minimum limits policy.”  That is usually all you get with non-standard. Often these policies are stripped down with no personal injury protection and no uninsured motorist/underinsured motorist coverage in order to keep the cost to the insured down.

ACCC Claims Customer Complaints

The Better Business Bureau indicates that ACCC Claims Service, Inc. was no longer accredited with the BBB due to the following pattern of complaint since September of 2016:

“According to consumer’s disputes, it has been alleged that ACCC Claims Service, Inc. is denying claims due to lack of contact with their insured.  Consumers have also mentioned when ACCC Claims Service, Inc. sets an adjuster–if issues arise in which the repair shop is required to contact them–they cannot get a hold of them for days or weeks–resulting in overages for rental-car and other supplemental claims not being approved.”