Tips For Filing ACCC Claims

Background on American Century Casualty Company

American Century Casualty Company (ACCC) is headquartered right here in Houston, Texas. They are a smaller insurance com-any comparatively but they do business in the following states: Alabama, Georgia, Louisiana, Mississippi, New Mexico, South Carolina, and Texas.  ACCC does 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

ACCC focuses on selling non-standard auto insurance policies. That is, they market their insurance towards people who are 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

Before you try to deal with them on your own, you should do a little online research. What you will find is that there are several review websites with numerous customer complaints and bad reviews.  Some complaints indicate difficulty in reaching adjusters and getting return phone calls as the reason for their low ratings.  Our experience is that return calls can be slow as well.

Furthermore, the Better Business Bureau indicates that ACCC Claims Service, Inc. is 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.”

Filing a Lawsuit Against ACCC

We have found it necessary to file a lawsuit against ACCC in many cases in order to get them to pay a reasonable settlement amount. Many of these cases must go through litigation. We have been successful in getting some of these cases resolved at Mediation just before trial.

Are You Getting the Run-Around From ACCC?

Call Simmons and Fletcher, P.C. today for a free consultation about your case with one of our automobile accident attorneys. You are the injured victim. You have a right to seek full compensation for the harms and losses that ACCC’s insured caused you.  Call us at (713) 932-0777.