AARP/Hartford Auto Insurance

The Hartford increased my auto insurance premium more than 50% for my renewal period Dec. 2011 to Dec. 2012. I've had no accidents, no moving violations, and no points against my license during the entire time I've had coverage with The Hartford. I called The Hartford at least twice and the customer representatives acknowledged that their records indicated my driving record with the State of Florida was clean as I described above. The representative indicated that the increase was due to an increase in the miles driven and an overall liability rate increase throughout Florida. The part about the increase for all Florida drivers turned out to be a lie. A subsequent email to the company was met with a response that I should call the customer service department.

As a last resort, I filed a formal complaint with the Florida Department of Insurance Regulation. Within a month, I received notice from The Hartford that my premium would be $2330 instead of $3177 which they initially charged. I wonder how many of your members, who you claim to represent, have had a similar experience with The Hartford but paid the illegitimate premium increase instead of going to the time and trouble to fight The Hartford through their respective state agencies. I would like to be advised of what sanctions you plan to impose against The Hartford on my behalf for their attempt to extort an illegal premium increase against me. Illegal is the correct term because what they did is a violation of Florida statutes.

I joined Aarp/TheHartford in 2001 and certainly got a reduction in premium compared with Geico. But from then on, for the following 10 years, almost every year there was a hefty premium increase (10-25%) so I was forced to continuously reduce the initial coverage, even if neither my wife nor I ever had a claim. I asked for an explanation for these rate increases and never received a satisfactory reply.

The most common explanation was that my state had allowed the rate increase, or that my zip code had more accidents than other zip codes in the state, or that the premium was increased every few years because of age, or that the premium was increased every year because of age. A friend who is 4 years older never had an age related premium increase until last year (not insured with Aarp). After 10 years I had enough and after a careful study of customer satisfaction, in 2011, I switched the auto and home insurance from Aarp/The Hartford to Amica. My question is, does The Hartford pay Asrp a fee?

When I bought this insurance in June 2011, I was assured that OEM parts would be used with any repairs covered by this policy. To function optimally and maintain vehicle integrity, our 1981 Mercedes and 2008 Volvo require OEM parts. Every auto insurance policy that I have had (since 1972) has carried this provision.

When I called Hartford to make a claim for windshield damage, they initially indicated that indeed, only OEM parts would be used in the replacement. When the repair process began, the technician showed me that he was replacing the windshield with an off-market product that fits the car. I explained that only OEM glass was to be used. He indicated that he did not have OEM glass and I needed to call the service vendor. I did so and was told that OEM glass could be used but that it would cost at least three times more and that I would have to pay out of pocket. He explained that this is the policy of my insurance company. I asked the cost of the uninstalled OEM glass. He told me it was over $950.

I next called the local dealer (Phil Smart) parts department and got a quote for an OEM windshield. That was about $600. Alarmed by the sequence of incongruent messages that I was receiving, I contacted the Hartford again. They thrice referred me to their glass claims subcontractor Safelite who eventually explained that my policy does not cover use of OEM glass. Alarmed, I recalled Hartford but was successively referred to an 800 number for Safelite. They repeatedly told me to take up benefit questions with Hartford. After three rounds of long (180 minutes) conversations with Hartford claims, I was told that they could not authorize the use of OEM parts because it would not be fair to other policy holders.

After several requests, I was finally internally transferred to Hartford customer service. Customer service referred me back to claims twice before I was able to speak with a supervisor Brandon W. in customer service. He assured me that he would personally handle the matter and respond personally within three weeks.

Two days later, different Hartford customer service representative contacted me explaining that OEM parts are not covered under my policy. I told this person that when I bought the policy I was told that only OEM parts will be used. She told me to read the fine print in the policy. I explained that Hartford had never sent me a copy of the policy and could only assume that what I was told before buying it was what I would receive.

I also explained that Brandon W. in Customer service had told me two days prior that he would handle my concerns and get back to me in three weeks. She denied that anyone named Brandon W. works in customer service at Hartford. I told her I would wait to hear from Mr. W. as he was the only person in the entire process with Hartford who seemed to have listened to my concerns.

No callback yet. No copy of the policy. No repair has been done.

AARP The Hartford has been urging me to complete a written application following the issuance of the policy. I completed the form. They sent me a follow-up letter telling me to call them or go to the website and view my policy. Because it was late on Friday night, December 30, I went to the website. After a multiplicity of attempts where I was consistently informed that my assigned policy number does not exist, I gave up. I Googled complaints about AARP The Hartford and found this forum.

After reading about your problems and understanding if I have a claim that I'll encounter the same problems, I intend to cancel this policy. I was with another company when I received their advertisement in the mail telling me they'd lowered their rates in Wyoming (easy to do when you don't pay claims) and that they wanted my business back (I had them several years ago). What I don't understand is why the rest of you put up with the obfuscation and mistreatment. I may end up taking these folks to court. Maybe they'll understand that their behavior is not going to be tolerated and the AARP, a co-defendant, will get some well-deserved adverse publicity. It sounds to me like The Hartford thinks we're all too old to be taken seriously. We'll see about that.

Hartford canceled our policy but never informed us of the action. Plus they kept taking our money for a full 4 months after they claimed they canceled the policy. It was a fluke. We found out our car had to be towed, and I called Hartford. This is when we had discovered we had been canceled. I asked my husband didn't we pay them over $600.00 in the last 4 months and he confirmed we had. The Hartford also made a very discriminating remark about my husband's age (he had just turned 79 on September 5). I was completely shocked by the statement, and the women just laughed.

I told them I would follow up with an attorney. The Hartford is a fraud group. I also filed a complaint with AARP; it too is a fraud group as well. We discovered that AARP gets huge kick backs from The Hartford. It's sick to think Hartford targets the elderly when in fact they discriminate against them. I also want to add my husband and I, in the 25 years we had The Harford, never one time had an accident. For years we paid tens of thousands dollars for our company's vehicles, and never one time had an accident--not once. We have several blogs and post warning others of their fraud.

Five stars? After paying for my policy, I received a notification that I had a pending balance, and was due for cancellation, because of the unpaid balance. I called them immediately, paid $130 to keep it in force. I specifically asked if we were on the same page now, and that I had coverage until 10/12. I was told we were all squared away.

Today, I went down to the Co. Motor Vehicle Department to buy license plates. I called Hartford, and was told my insurance had been cancelled as of November 11, because I had not paid the "additional" $120 that was due within 10 days. I was completely taken by surprise! It seems I never quite finished paying the premiums. This insurance policy was to be paid twice a year, and I keep owing small balances that I am unaware of (because I am told when I have them on the phone that I am now current). I drove around all that time thinking I was insured. Never again. I am almost glad I am not covered by them anymore, especially after reading all these complaints.

My husband was driving and he hit a deer and I was a passenger of our 2001 Jimmy. I called the claim department and they assigned Jaclyn to the claim and they are giving us a run around. This happened on 10-20-2011 and the deer went under the Jimmy. I had people come out and give estimates and they all tell me that my frame is bent and even if they tried to unbend, it it is still going to be warped. They sent out an adjuster to take pictures; he was rude to me on the phone and here at my house and he didn't do his job right.

I unlocked my door on the Jimmy; he pulled so many times on my hood to pop it, he broke it. I told him the hood would not come up and then he broke my console in the middle of the Jimmy. I had 10.00 in change and I went out there to get it when he left and it was gone. I had a witness over here and the guy was on video camera to all that. I even went as far as writing a letter to the adjuster and telling her that and she keeps telling me to take it to auto repair shop and get it fixed. I said hello, lady they all tell me it will cost more then the blue book of the Jimmy and they want money up front and they can't even fix it. My husband is 60 and has never had a wreck and they are treating us like we are liars or something.

Due to the accident, it hurt my husband's neck. They are talking about surgery on it and it has hurt my neck and my back and my throat is swollen. Now I would not recommend anyone to this company at all! They have got us so upset. When they settle on the medical and our Jimmy we are switching insurance companies and if I have to, I will get an attorney on this matter. Please to all the seniors, do not use AARP/Hartford. They will take advantage of you. Believe me. We've been there and we are done with Hartford after this.

Don't buy Hartford Insurance offered through AARP. My wife and I were in a car accident on September 16, 2011. The other driver ran a stop sign. My wife suffered a broken sternum, and I have back and neck pain. Our car (2009 Chrysler 300) was taken to a repair shop. When the adjuster arrived at the shop, he was given an estimate of approximately $15,592.66 worth of repairs needed.

I talked with the Hartford claims adjuster (handling the case), Jeff **, and asked him to total the car. He told me that my car is valued at $26,000 and doesn't quite meet the criteria to total it. When the estimate was given prior to repair, the shop told Mr. ** that they felt the car should be totaled. The adjuster said, repair the car. We picked up the car after seven weeks in the shop. The total bill (so far) was $21,036.39. After driving the car over the weekend, I returned it for further repairs.

I called Mr. ** twice, and left messages, and have not had a reply from him. I feel that this car has passed the threshold for totaling. Nada value for this vehicle is about $23,000 (that is without $21,000 in repaired damage). We normally trade cars every few years. When they see a Car Fax for $21,000 repair, I doubt they will be interested. This car has virtually no trade in value, let alone selling it to an individual. Yes, Hartford has returned a nice looking car to us but a nice looking car with little value. We are definitely hesitant to take this vehicle on a planned 2500 mile (one way) trip.

Mr. ** called today (after this message was sent to Hartford), and left a message on our phone. He basically told us that the car has been repaired, and they are done with it.

They have been advertising on TV a no drop policy. This is false advertisement. As of 11/7/11, they dropped me, my wife and family. My youngest son had an accident, in which he totaled the car. Since then, he has his own car and insurance and is not on our policy. Hartford would not renew our policy, even though the above individual is not on it.

I am having a very poor experience with Hartford. A client of theirs rear-ended me. They are rude, talk over you when you get them, and look at finding anything and everything they can deny. I even used their crash company, thinking I would get expedited service. I have not had good service. Beware of this company! I am looking to have to get legal representation - how sad!

Negative 5 stars is really the truth. We are 51 years old and have been receiving information from AARP to become members since we turned 50 years old. Therefore, we would be eligible for auto, home, life and even supplemental health insurances. We were looking forward to doing business with AARP. We like the convenience of having our policies in one place. So, I decided to get a quote from AARP/Hartford Auto Insurance, and other insurance companies. AARP's website shut down on me and there was a message to try another time.

Then, I receive a letter in the mail from Deborah **, VP of The Hartford AARP Auto Insurance Program, that we do not meet the eligibility requirements and, we are not eligible to get auto insurance because we didn't have any auto insurance. We were with MetLife for three years previous to our shopping for another carrier. Our policy cancelled on October 5th, 2011 so I asked for the quote on October 12, 2011.

Again, I'm 51 years old, and I never had a ticket or accident. I have received much solicitation from AARP and when we decided to bite, we received a letter of denial. I supposed that you know what you can do with your policies. AARP is a topic in several of our circles of friends. We hoped that we could give good reviews. Your company portrays that they are here for those getting on in age, where is proof of that? Take us off your mailing list.

My car was hit after a van backed into me in Hayward, California. Although my car was not badly damaged, I suffered injuries to my left thumb, back and neck. I was also traumatized and had to be hospitalized for observation. I attempted to write down the license number of the vehicle, but the Highway Patrol and Hartford said the number did not match any vehicles. The Hartford Claims Adjuster has denied my claim because no witnesses have come forward. The insurance company did not search for the driver of the van. I have uninsured/under-insured motorist with Hartford and believe that I should be compensated. This is the first time I have been involved in an automobile accident and cannot believe how I am being treated. They are basically calling me a liar and ignoring the fact that I was admitted to the hospital and have follow-up care with my doctors. I am looking for a better policy and cannot believe that AARP is backing this bogus insurance company. They are putting me through additional trauma with the treatment I am receiving.

I have been with Hartford for 3 years and I just received a renewal where my rates were increased ($106.00 which equals to 13.8% increase). When I called for an explanation, I was on the telephone for over 30 minutes mainly navigating through their computer answering machine maze and being on hold. When I finally got a human being on the phone, I explained the reason for my call. I was immediately put on hold again for about five minutes and when she came back on the line, she told me that they had just recently increased their rates for the entire state of Florida. Without any prompting from me, she advised me that I would need to contact them to cancel when I get another insurance company. My response to her was that she would find out when I didn't make any payments. They were barely competitive before the rate increased and the only reason I went with them is that they were recommended by AARP. I think AARP should take a serious look so their members can get fair treatment. By the way, I had no claims submitted!

I had an accident and it is not my fault. First claim I have filed with AARP for an auto accident. They have abandoned me and won't return my calls or emails! The accident was Aug. 5, 2011 and I don't have a replacement accident or repairs!

It is Sept. 30, 2011. I will be switching insurance company for all my policies as soon as I get this accident settled!

Like everyone else, we chose AARP/The Hartford because AARP recommended that company. They said they would save us money. We were with them for many, many years with no claims. They began raising our rates every year, until this year, it was at the high of $2960.00. We do have our granddaughter on our policy, however, 3 other companies quoted us rates over HALF of what The Hartford did. Shame on AARP for obviously being in the pockets of the Hartford Insurance company. Shame on both AARP and The Hartford for taking advantage of the people they are supposed to help. Guess who won't be a member of AARP any longer? We went with another company.

These folks filing complaints are clueless. Insurance is about deferring the cost to the insurer. For someone to think that their rates cannot go up needs to go back to the 1900s before cars were invented.

Rates go up because of claims and it can go up even if you did not cause the wreck. That's what insurance is, sharing the risk. In this case, the insurance company takes on most of the risk. Insurance companies are rolling the dice.

Imagine an insured who pays insurance for 30 years at $1,000 per year. So, he has paid $30,000. You get into one accident where the insurance company ends up paying $50,000 for the Porsche you demolished. They are not going to send you a bill for the $20,000 they paid over and above your total premium. That is the risk the insurers take. If they clueless clients don't like it, then go ahead and self-insure and lest see how far you go.

After 20 years with AARP, they jacked up my rates three years in a row from $800 a year to $1,200 a year, and my homeowner insurance from $500 to $800 all in three years. I have had auto claim in the 20 years.

My wife and I contacted AARP once I became of age to take advantage of their membership. I also contacted The Hartford about the auto insurance, because AARP said it would save us money. I did contact Hartford and we signed up for their auto insurance. Everything seemed to be going well for a while with The Hartford. And then, our annual auto premium went from 474 a year to 869 a year. I told them that is ridiculous. It almost doubled. We have had no tickets or accidents at all with them. And I saw no reason for this increase. Then we got our 2011 renewal. It went even higher to 928 a year. For two people who only use their car for pleasure driving, this is stupid.

They said everyone in Illinois got an increase because of all the claims they had to pay out. I told them this was the biggest bunch of ** I have ever heard. They should be basing costs on an individual's driving ability and history, not on bad driver's record and how much they pay out for them. I am not a 16 year old that just got out of high school.

We told The Hartford we would not be one of their insured any longer. We are very unsatisfied with their attitude towards someone that no longer wishes to stay with them. They do anything to talk you out of canceling just so they do not lose money.?I have been arguing with them about a premium refund, only to keep being told it will be mailed in a few days.?That was 2 weeks ago! If any of you continue to be one of The Hartford insured, all I can say is good luck and heaven help you. If any of you have had the same problem as we have and are looking for a better company, try 21st Century. Our premium is now about one third of what we paid to The Hartford.

Bridgeview, IL

On June 20, 2011, I sent a letter to the Hartford regarding the quote I received to renew my car insurance. Previously, I was insuring two cars. I no longer have the second car, it was junked. I was originally paying $489 full coverage for the Chevy Cobalt when I asked for a quote for the Chevy only. It was jacked up to $1300. I spoke to several people including a supervisor or manager (no name). There is no way, even without the 40% discount, I was getting for 2 cars that the quote would go that high. I wrote a letter to the Hartford at PO Box 14601 in Lexington KY, c/o CEO/manager.

I was not even given the courtesy of an acknowledgment and never received an answer which I asked for. I was a customer for 16 years, in good standing, and this is how I was treated. I was forced to find another insurance company. I was highly insulted and I am being ignored after 16 years of paying on time and a good driving record.

I received a pre-approved proposal in the mail from AARP Auto & Insurance Program from The Hartford. When I called The Hartford requesting a quote for auto insurance, at no time did the agent notify me that my Social Security Number would be used for a credit check. A driver's license check and other factors would also be used to measure my insurance risk. I simply wanted a quote. The letter that I received from The Hartford was full of statements about my credit reports that were confusing and contradictory. They failed to list in their letter the other factors that were used to determine my insurance score. They also failed to list a formula or include a "list of standards" that was used to justify the derogatory remarks that appeared in the letter.

After I mailed in a complaint letter, I received a call from Melissa **, who informed me that I was incorrect about the phone interview and that the agent was not a fault. When I asked her why Susan **, the Director of The Hartford, didn't reply to my letter that was addressed to Susan, she stated that she would never see it because it was her job to review complaint letters and to resolve them. So the director never reads them. About a week later, I receive a form letter from The Hartford letter, stating the "quote" was good for the next thirty days and the letter was signed by Susan *, Director of The Hartford.

Since the letter, I have filed a complaint with The Hartford and Connecticut BBB. I also told AARP to remove my name, address, phone number and e-mail address from anyone that tries to use them, which AARP did. I also went online to ** and found the insurance department and they have a consumer complaint form, which can be printed off. I intend to fill this out and mail it in.

Options: Change auto insurance companies. I have State Farm. So if there is a problem, I can go to the agent and resolve it. Cancel AARP and sign-up for another health provider. There's plenty out there.

My auto insurance went up $100/year and the reasons he gave were that I did not renew my over 50 class and because I had increased my mileage by 3000 miles. Usually, the over 50 discount doesn't amount too much and I told him I had to drive to Iowa to get my oldest sister to move her back to Montana --the miles would now go back to few. So I am being penalized for going on a trip! Is that even fair? Economic damage is that insurance is already too high and they don't want you to use your vehicle even to take a trip once every five years. I am angry because I do not use my vehicle very much as I am not employed and seldom take trips.

We left an insurance company that we had been with for 15 years to purchase auto insurance via AARP-Hartford. The premium was lower and we wanted to save the money. What a mistake. We have been ripped off within the first two months of dealing with them!

Hartford gave us a quote, wrote the policy, and accepted our first payment. Then, they notified us that they were going to increase the premium because of an "incident" they discovered. Here is the incident: two years ago, a driver sideswiped my car and damaged my mirror. His insurance company paid to replace the mirror. There was no claim filed with our insurance company!

This is their justification for raising the rate. I talked to a manager who was useless and kept repeating that they could not do anything because of state "regulations". I don't buy that at all. If anything, there should be a regulation that prohibits insurance companies from engaging in this kind of unethical business practice. To raise the rate after a policy is issued because another driver tipped your mirror and it had to be repaired is crazy.

We intend to return to our prior company, even though their rate is higher. In 15 years they never acted in such an unethical way as did the AARP-Hartford within two months of our getting involved with them!

We have been insured with Hartford for five years. No accidents and no tickets. I am 55 and my spouse is 53. We have two vehicles currently covered with them. It goes from March to March. The other week we received paperwork for the new contract that calls for a 50% increase to remain covered.

We called to ask why but only got excuses and **. I am sure that we are not the only consumers to get the rates raised. If they can raise the rates on drivers with perfect records, then drivers with less perfect records must be paying much more. It does not make sense. I suspect "Fraud" on the part of Hartford.

We have a pending legal matter that can be avoided with the proper decisions on the part of your company. In August of this year, one of their agents illegally added my son, Darren **, to my mother's policy. Darren lives in Washington, DC with his mother, and is attending Carnegie Mellon University in Pittsburg, PA. More importantly, Darren has been covered under his mother's policy since he started driving. If you check the law in the District of Columbia, you will find that a person must have insurance coverage, in order to have a valid driver's license.

My mother, 80 years of age, and like many elders, is an easy target for people and organizations to steal from. In July or August, my mother informed me that your company told her that you were adding Darren to her policy, because he was driving her car. I immediately contacted your customer service department to discuss this matter. During the discussion the agent informed me that Darren needed to be added to the policy, if he drove the car at least once a week.

The agent went on to request Darren's driver's license, as well as other information to put him on the policy. I informed the agent that he was currently insured on his mother's policy, and I would stop Darren from driving my mother's car altogether. I also informed the agent that Darren is attending school in Pittsburgh, and would not even be in a position to drive the car, which is parked in Maryland. I never provided authorization, nor did I provide the information (driver's license number and state) requested by their agent to add Darren to the policy. If you review the policy you will see that they have added a fictitious person, Darren **, with no driver's license to my mother's policy.

On November 24th, I discovered that the company had deducted money from my mother's account, which they have not been authorized to do. I once again contacted your customer service number, and had a long discussion with agent Mike **, number 271964. The result of that grueling conversation, was that your underwriting department would take Darren off of the policy back to August, refunding the premiums, if I provided proof by an insurance declarations page, that Darren is currently insured by another company.

It took me a couple of days to get to declarations page, and I provided it with the requested letter on December 1. I received a call a few days later from your agent Frank ** stating he only needed to get in touch with the State Farm agent, James **, for some additional information to authorize the complete refund of the money taken out of my mother's account. Frank stated that if I did not hear from him again, everything was taken care of.

On yesterday, I once again contacted their customer service department, asking when my mother would see all of the funds deposited back into her account. I was told that the only change that has occurred is that Darren was dropped effective in November, which would not result in any money being returned. I received a call from Frank ** stating that he had left a couple of messages for the State Farm agent, but had not pursued it any further. I asked him why he had not followed up with me, and his response was an apology. After being on the phone with Frank for over forty minutes, I was told that your underwriting department has reversed the decision to refund the stolen money.

How can a company that would steal money from an eighty year old senior on fixed income, call itself reputable? I would like to have this matter immediately corrected and money returned. We will hold their company at fault if my mother has any financial issues like insufficient fund charges, related to money being stolen from her account. Without your immediate response, we will not only pursue this legally, but also plan to inform AARP, the Maryland Insurance Commission, Maryland Consumer Affairs, as well as 60 minutes.

I moved from Ohio to Michigan in August 2009. I cancelled the AARP policy (in writing) due to switching to Allstate. I asked for refund of the unused premium serviced letters for September, October and November. They said that the refund was on its way.

I never received the refund, only a letter saying that my premiums were used up from August to December! I lost $450 out of my own pocket and into AARP / Hartford's. What a rip-off!

My auto insurance was changed from Safeco to your auto insurance earlier this year. As soon as I became of the change (done by my son-in-law), I immediately switched back to Safeco. Safeco informed me that when you received the cancellation, I would receive a refund for the year's premium I paid, minus the amount of time my car was insured by you. It has now been over three months and I have not received the check for unused time. Knowing your (AARP) reputation to seniors, please remit my refund immediately. I trust your honesty and await confirmation of refund.

My policy was paid in full with a beginning and expiration date of 04-07-2010 to 04-07-2011. I received a letter from the state of MD on approximately 09-02-2010 stating that The Hartford had sent the State of Maryland, Dept of Motor Vehicles, a notice that my insurance had been lapsed from 04-07-2010 to 08-09-2010. As a result, my registration on the vehicle was suspended as of 06-08-2010.

On 09-03-2010, the vehicle was impounded by the police. I immediately called The Hartford and spoke to Michael who assured me that my policy was in good standing and had never been lapsed. I called back three consecutive days, spoke to other customer service reps at The Hartford. It was over the Labor Day weekend and I could not get to the DMV to discuss this with them and each time, was assured that my policy was in effect and had never been lapsed and had been paid in full for many months.

Eventually, I got to the MVA who explained that I needed to get an FR-19 from The Hartford to the DMV on not only the vehicle that was impounded but all three vehicles insured through The Hartford. I called The Hartford 4-5 times that day (09-06-2010) trying to get an FR-19 faxed to the State DMV. Each time I spoke to a customer rep who assured me that my policy was intact and had never been lapsed. Eventually, I was relieved by the DMV and received a letter stating the case had been closed. The $833 penalty for not having the vehicle insured was waived. I contacted The Hartford and requested that I be reimbursed for the towing fees and the impound release fee, totaling $385. I received a voice mail from Ann *** several times to tell me she was investigating the claim.

On approximately September 30, 2010, I received a letter from Ann *** of The Hartford telling me that my request for reimbursement was being denied. The reason she gave was The Hartford sent a cancellation filing to the state (MD) because your policy was set to not renew effective April 7, 2010. When the DMV receives this type of notification from an insurance company, it follows up by sending a letter to the customer asking for proof of coverage to avoid registration suspension. When this proof is not received, another letter is sent to the customer to inform of the suspension. "We are unable to honor your request for reimbursement of any expenses incurred for the incident that occurred in September, as The Hartford was not contacted at any time prior to your receipt of the suspension notifications from the state."

I do not recall ever receiving a letter from the State of MD, the DVM, or The Hartford insinuating that my auto policy had lapsed on any of my vehicles. It is strange that I had three vehicles insured, all paid in full, but only one was reported as lapsed to the State of MD. Why did they pick this one vehicle to lapse? I believe it is because my son began driving this vehicle occasionally and chose to insure the vehicle himself through his GEICO policy. The incredible fact of the matter is that this vehicle, a 2007 Chevy Silverado, was in fact, insured by two insurance carriers at the time of the impoundment.

I had to spend over 40 hours of my time trying to remedy this impoundment and get the vehicle released. My son, who is self employed, had to leave his occupation losing many hundreds, perhaps thousands, of dollars in income. In addition, I had to pay $385 to the Laurel Police Dept. and the towing company to get the vehicle released.

I received a letter from The Hartford, Inc. They said my auto insurance was canceled on Aug. 9, 2010. So, why do I have to pay them when I did have no cover until I took out a new policy with a new company on 9-7-2010? I got a bill from Scdof Motor Vehicles for a $140.00.

Today, I called AARP to inquire about why our insurance premiums were not getting any lower as our cars were getting older. We have been insured with The Hartford through AARP for I believe around ten years and I was informed that we had been canceled! The Hartford cancelled our auto insurance without even letting me know they did this or why they did this? I was shocked! I couldn't believe this and asked why? Debra, the person that told me this said that it is because I didn't pay my August payment. I told her that I was sure I did and went right to my checkbook to double check. I did make my payment as I always do. I always pay my bills before I do anything else, even buy food. Debra then said it was a day late and for the wrong amount. I

n looking at the statement, I have now noticed the amount was almost double what my normal payment is and I explained I just tear the payment stub off the bottom and send it with my check and did not notice a different amount as the payment stub has a blank amount and I always write my payment amount in the blank. Debra said I now owe $317.00, that's almost three times what my payments usually are. Then she said I could mail a check or if I paid the $317.00 over the phone that she could reinstate our insurance today so I would be covered. I told her we live on social security and that would be hard but I did this even though the amount she asked for would take away from our monthly food allowance. I then asked her for a reference number or something to verify that I now have insurance coverage and she then said that we have a verbal agreement over the phone and that the phone conversation was being recorded and would be proof.

Then I asked her so I am covered now and can drive my cars without the worry of being stopped? And she said I could still be stopped if I broke the law. I told her I knew that and didn't plan on doing anything like that. I was mainly asking, am I now insured? She then said not until the check I gave her over the phone clears and that I would not have coverage until the check I gave her clears next week. I'm sorry to say that I broke out in tears. I felt helpless to say the least! I gave her the money and she now tells me she did not say she would reactive my insurance and says she only said she would reinstate? Reactivate-reinstate, I thought they meant the same thing. I send my payments in every month around the same time every month and maintain a good driver's record.

The person I talked to, Debra, was very unkind, demeaning and told me I didn't make my August payment when checking my check book I did make my payment not knowing The Hartford had changed the amount due. I quoted the check number, date, and amount and yes my payment had been sent. Debra then said they had sent me a refund check for less than the amount I had sent them. I asked her why a refund and she said they returned my payment. I asked why again when I pay my bill every month on time. She said they received it a day late and it was supposed to be for a higher amount that was almost double my normal payment. When I asked her why the amount they wanted was more and why they returned less than what I sent, she said renewal fees and they deducted service fees and late penalty fees and also said when I receive the refund I could spend it on whatever I wanted to!

I thought that was strange and somehow sounded illegal that The Hartford could accept my check only long enough to take a late fee, penalty fee and service fees and then cancel my insurance and send me what was left. They didn't accept my payment but still charged me service fees and a late penalty and deducted it before returning in the form of a refund? I'm set up on a twelve-pay-plan, same amount each month. When I double-checked my bill, it did say in small print to send the higher amount. In paying my bill, I had just tore off the bottom bill as mentioned, made the check out, and mailed it as I do every month. Very rudely, Debra said that I needed to read the whole entire bill from top to bottom and not just the bottom.

I should have asked for a supervisor but I'm sorry to say I did not as I was already very stressed from all of this. I felt so stressed, and told her, so if I was driving today I could have been stopped and arrested for not having insurance and not even had known that AARP The Hartford had canceled me? I never received a notice in bold print urgent or bold red, nothing! No phone call or anything. I had no idea that my insurance was even cancelled! So now I am out over three times my normal monthly payment, my monthly food money is basically gone and I still have no insurance coverage until The Hartford decides if and when to accept my check I gave them over the phone! I know AARP the Hartford is supposed to be there to protect the seniors but instead they have caused me so much stress and financial duress. They were extremely disrespectful and demeaning. If I would not have called The Hartford today with a general question about my policy, I would have been driving without insurance, as The Hartford did not tell me I was cancelled! This is wrong!

I called AARP about auto insurance. We had had insurance with them for some time. I had bought a new car and wanted it added to my policy. My husband had died recently and I needed his name off the policy and also wanted to check to see if my son could drive the older of the cars for a while until he could get a car of his own. He had had a DUI between 1 and 2 years ago.

I had let him drive the car for about three days before I called the insurance company. Anyway, they canceled all my insurance on my cars. I told them that I would get the car back and not let him drive or else have him put the car in his name and get his own insurance but that didn't matter. Just because I asked them about it, I was canceled. I am very mad. Not only have I lost my husband but now I have to go looking for another insurance just because I was honest and told them the truth. I will be sure to let everyone know how Hartford treated me. Sometimes it doesn't pay to be honest. But I will continue to try to do the right thing.

On July 19, 2010, I called AARP hartford auto insurance, and told them on August 20, 2010, I am changing auto insurance to Allstate. I have auto and rental with AARP but moved to Allstate. I received two letters from Hartford telling me I have credits due on my policy . AARP has taken their payment out of my checking account every month. I looked on AARP site and found I received $6.00 credit on my rental. On august 21,2010, I received a bill from AARP for $55.00. The monthly payment was $45.00.

I called AARP on August 21, 2010. I told to a young lady I asked for a manager or supervisor, she put me on hold for 10 minutes, I finally hung up. I told the young lady that I disagree with the amount. The payment was taken out every month out of my checking account. On August 20, Allsate insurance took over. On August 21, I got this bill. I do not owe this bill. I tried to explain that to AARP but she would not listen. I am not paying the bill. I do not understand their problem that is my complaint. I hope no one goes through this. Can someone put a stop to AARP charging for service not received or already paid for.

What got me to looking for insurance on the Internet was AARP was charging me $5 each for the home owners and car insurance. They mailed out two separate bills and of course hit me up for $10 that comes out to be a $120 yearly fee. Some deal they have. I changed and got better and more coverage for less. Their fleecing seniors need to be investigated by the U.S. government.

I was on the phone with them to get a quote for my collector car. Price was good at $600. I got to talking to the supposedly friendly rep when I explained that I had bumped by garage door and had to (out of my own pocket) put a new bumper on the car, for a grand total of $150. Zero insurance involved.

She said, "Now that you told me of another incident, your rate has gone up to $850. I was astounded! I asked her that if I told her I scratched the door, would that have caused a rate increase? "Yes", she said.

If you call, then please do not say anything beyond what they ask you. I guess since they deal with older people, they look for any excuse to jack your rate. My 85 year old father told me to stay away from AARP Car Insurance and now I know why. Sneaky and crooked.

The claims representative outright lied to me. He told me there would be no deductible on my repair since I was rear ended. When I went to pick up my repaired car, the repair shop knew nothing about the deductible being waived. I was forced to pay $1000 to get my car back. When I called Hartford on the next business day, they told me that I would have to wait until they recover funds from the other insurance company and I might bet my deductible back. It took two months, I had to wait and I did get my funds back. They never contacted me, they never apologized, nothing.

My husband was in a car accident and when we called to report, we were told that we did not have collision insurance on all four vehicles. Shockingextremely rude on the phone and not helpful. Scary. At this point, however, the end result was it was 100% the other drivers fault. Now AARP back billed us $1020.00 for collision insurance for the past yearand we never even pursued a claim.

When I called, they were extremely unfriendly. I was held for 30+ minutes only to be disconnected and hung up on by Melanie because she wouldn't transfer me or give me the name of her manager. Then, I was told they were closed.

Buyers, beware. They use a lower rated comp company and pay less for your vehicle if you total your car. The difference they were going to give us compares to what we received in payment from State Farm was drastically different. Thank God State Farm paid. They paid off our loan; otherwise, we would have owed thousands of dollars.

They are unwilling to take payments for the amount they are now back billingit's $1020.00. All I can say is seniors and anyone over 55, please beware. Do not go with AARP. They will cause you horrible stress and put you under financial duress. They will not answer your calls and treat you extremely disrespectfully and not give you.

They caused me financial hardship. They are unwilling to set up a payment plan. There are unfair charges for a service they were unwilling to provide at the time the service was needed and they then back bills for a year. Extremely poor customer service. Bad phone manners. Bad service teams. Lower comparable company used. High prices. Thieves/liars. Unethical. Unwilling to do anything. And I don't have the $1020.00 to pay upfront for their mistake. I pray for the people who have them, especially people on fixed incomes. Beware, they are unethical! The stress and duress they have caused my familythey should pay me. Buyers, please I beg you: beware.

I have had Hartford Auto Insurance through AARP for several years without any wrecks. My wife had a wreck that was her fault. Hartford had the vehicle taken to their favored repair shop which would result in a savings on the deductible. Estimate was made which was excessive but okay with me. The repair shop decided to have the vehicle taken to the dealer to check for an electrical problem. It turns out that it was a damaged cable in the wreck and the new cable was $2400.00 which made the vehicle a total loss based on the value Hartford had assigned to the vehicle which was so $3000.00 below the selling price of similar vehicles in my area.

I requested the basis for their value and they sent me the computation from value service which were a joke. My vehicle is a one owner purchased from the dealer in 02 and the wreck happened in 2010 which makes the vehicle eight years old with 65,000 miles. The comp vehicles (and they had 20 such) were sold by individuals through AutoTrader and 17 of the 20 had mileage in excess of 30,000 miles more than my vehicle and several of those were double my miles and five each were very close to 200,000 miles. I too complained and was told Hartford only uses sales of vehicles individual to individual to settle total loss claims and that was their offer; take it or leave it. The people were very unfriendly and rude on the phone. I've not settled but will probably soon.

I plan on reclaiming the vehicle as the owner and will get a salvage title but will repair the vehicle on my own. The bottom line is if I replaced the vehicle with another vehicle of the same year and miles, I would have to spend another two to three thousand if I purchased from a dealer or spend hours looking at junk cars on the internet.

When we opted to use Hartford for car and homeowners insurance, we opted for automatic premium withdrawals from our checking account for BOTH policies. The information was given over the phone. Later we received a bill/notice that we needed to send in a canceled check for automatic withdrawals to take place. Since withdrawals had ALREADY taken place, I called to inquire and found out that the canceled check was just a formality. I sent in the check.

Later my husband was called and asked if it was true that we had chosen to have an amount taken from our checking automatically. Because I set it up and do our financial records, he said that he wasn't sure. He was told to have me call, which he neglected to do. Now we are charged late fees and almost had our homeowners policy canceled because I didn't know to call back and confirm. That seems shoddy to me when I thought we were finished setting up the transactions after the two previous tries. Why didn't the car policy require the same thing? THAT has been working smoothly. I am really upset with a company that wouldn't follow my wishes after the first two attempts to get it correct.

After a womean rear ended us in April we had a hard time reaching our adjuster. She did not returen our calls or emails. She had told us the time we did talk to her we only had huranteed work on our car if wwe went to a Hartford chossen site even thought our policy gave us the option of choosing the auto repair facility of our choice. She said used parts would be put on our car. She actually got mad when I asked her why. She said why would I put on 2010 parts on a 2007 vehicle. ( Wehave one of their best policies)It is the middle of June and we still have not received our portion of the rental car back that we had to pay up front.

So I called to inquire about this to the corporate office and was told they would be happy to look into this and that our renewla would not be effected since the accident was not our fault. The premium would not increase. Well it did...over 200.00 more then last year. So I called to dispute this and was told their rates are regulated by the state of Florida. So I called the corp. office again and was told this is not true. After a lot of runaround I went to another insurance company and got a lower qoute..same coverage. i called the corp office back and was told they do not match pricing. But after looking over our ploicy she found she could give us 72.00 off of the 200 increase. ALso if my husband woudl take a drivers class by AARP there would be about a 21.00 discount more. I called and asked customer care if I could take the class instead and was told sure let us know the certificate number and we will apply the discount. I made the mistake of calling corp office again for another question and told her I was taking the class. She said I could not since I am not the primary driver. I told her I am the primary driver and the car is used for medical purposes mostly. She got upset with this.

So today when I called to make the first 2 payments on the renewal I was told my credit card is on file and I did not have to read it to him. He transfered me to customer care because there was a mistake on my due date. I told the rep that I would call Monday with my cert. number from the AARP driving class for the discount. The corp office had called and noted the account that I was not primary and could not take the class. I told her I was taking the class. She said I would be charged 6.00 to change the policy to me as primary driver. Both my husband and I have perfect driving records..no tickets or accidents that have been our fault. So more runaround.

My insurance policy was one number, and then this insurance company changed it to another number without my knowledge. They sent my insurance premium checks back. I called the first time to ask why and they said they didn't know. After the second time, they said it was because they changed the policy, but by that time they had cancelled my policy for nonpayment. Therefore, we were driving around with no insurance thinking we were covered.

When I asked them, why they didn't just take my payment and apply it to the new policy number, and then my policy would not have been cancelled.

I have a new insurance company now, because these people are not reliable. They need to be held accountable for their irresponsibility.

Husband was alive--had 2 cars. Low insurance. He became ill- sold 1 car. Insurance went up. He died. My insurance went way up. Have a 2006 Town & country van with 23,000 miles on it for the 4 years I have owned it. Safe Driver. No accidents or tickets. Why am I paying over $1300 a year for 1 car which is paid for? Being 67 it is difficult for me to pay these high premiums and may have to drop full coverage.

I recently joined AARP on the strength of their special relationship with the Hartford and the glowing PR they put out about it.I was hoping that being an AARP member might save me some money on car insurance.

apples-for-apples quote from the Hartford on auto insurance for my two cars. It was double what I currently pay. Yes that's right, exactly double what I currently pay for the same policy.

I am left wondering about the purpose of AARP and how much the Hartford pays them for this "privileged postion" because the glowing PR they put out about it turns out to simply that, glowing PR with no substance in truth.

I took out auto policy per AARP Hartford insurance. I found out the policy did not cover and did not offer road service and towing so I had to change insurance. AARP Hartford insurance refused to refund any of my premiums. They stole my money - approx. $150.00

Hartford misquoted prices for home and auto. Policies arrive with higher than quoted annual rates. Hartford started both policies before due date of June 28, 2010, I'm writing this complaint 607/10. Hartford requested payment from my mortgage company before due date and without my authorization letter. Had to call and cancel twice and still don't know if this is mess is fixed or not. I CANELLED BOTH AUTO AND HOME POLICIES!

The State of Utah sent me a letter saying my vehicles were not insured. I called Hartford and they said they had forgotten to send me the premium notice three months prior. When I got the notice, the rates had jumped by 20% from the previous year. They said it was because I turned 60 and filed a claim. I told them I was cancelling my policy and they said I would be charged a cancellation fee. I had to get the State of Utah insurance department involved to get them to not charge me this fee. The new insurance policy was 30% less than the original premium.

I received my renewal policy for auto insurance. I have never had an accident or citation. I have been with Hartford Auto for over 10 years. I have a 1969 VW Beetle, Value: $2500. I carry liability coverage only. When I began my policy with Hartford, I was told I would receive a 5% discount each year that I did not become involved in an accident or moving violation. I never had an accident or moving violation. The discounts never occurred for my good driving record and only increased yearly.

Last year, my policy cost me $322.80. This year $393.80, a 22% increase, each year an increase. AARP continues to push this insurance on its members. This is a total fraud on its members trust. In these difficult times, this behavior by insurance companies and financial institutions is reprehensible. My current policy will terminate in June. I am switching to the California Liability Insurance Program. The policy will cost me $297 per year for the same coverage. Never again will AARP pawn off any insurance product in my household. AARP is to "in bed" with the companies it sponsors.

Exceptionally high premiums for Auto & Homeowners Insurance thru the AARP and The Hartford Insurance Group.

Premium: $924.

2.) Requested identical quote from another insurance company: Premium $520. That's $404 less than The Hartford's premium.

3.) The Hartford said the best they could do was take off $50.

4.) Same thing happened with homeowner's insurance: The Hartford $303; the other company $230.

5) How can the AARP continue to endorse The Hartford knowing that they are fleecing the very people they're supposed to be protecting? Something is very wrong here. I used to believe that the AARP existed to protect us from the unscrupulous business practices of others, but that belief disappeared a long time ago.

So many of us have lost a great deal of hard-earned money over the years because of the blatant failure of the AARP to recognize or acknowledge the greediness and irresponsible behavior of The Hartford Insurance Group. I now consider myself happily unaffiliated with the AARP.

These people are the most evil insurers I have ever had. Do not under any circumstances use these people. You will be so sorry.

I had my premium raised over 300 dollars - called to question and was told the older the driver the premiums are raised-This is ridiculous- called Geico and price was $500 dollars less- I have been overpaying for years- AARP gets a cut of the policies and this raises the price - Consumers are duped by thinking it will be less with AARP - check it out before you buy

They gave me a 1/3 more quote than three other companies. The agent said he was going to mail me the quote and I said not to; he said he had to. I asked the company to delete all my info I put on their website. I have not heard back. I tried to get an e-mail address to AARP to ask them to not use Hartford insurance company but I guess they own the company and don't care about their dishonesty.

I asked the Hartford at least three times to provide proof of insurance on me, my wife and son. This policy is through AARP, but the problem so far is not with them. The Hartford told us several times that they would provide proof of coverage, but when they do they refuse to include out my 19-year-old son as a named insured as we requested they provide. About three weeks ago, we asked them to provide proof of coverage, by sending us insurance cards for each of us in our individual names. We also asked them to send us a policy that includes our son on it. But when we received it in the mail, like the other ones they sent, he is not mentioned, nor is he on the new insurance cards they sent.

They greatly increased our insurance rates to add him on the policy, then they play this game. Sometimes when we call, they claim he is listed in their records. But if there were ever a claim, we will have no way to prove he is actually covered. We finally gave up today and cancelled the policy after signing up with another major carrier who emailed us confirmation in writing already listing all three of us on the new policy. We want a refund in the great difference in the rate increase they charged us to add our son on, but refused to give us proof. Insurance is supposed to provide peace of mind, and it is the law to have coverage.

This is a very bad reflection on the AARP if they allow the Hartford to get by with these mob style tricks and games. We contacted AARP about it today and expect them to do the right thing, to see to it that we get a refund for the great increase to supposedly have our son covered, and for a written apology for their nonsense and deceit. The Hartford's strategy is to send a very thick policy with all sorts of information in it to make you think you received the written proof of insurance you requested. In today's busy world, their strategy is they hope you will trust them to keep their word and you won't find the time to sift through the huge mass of papers they send in the large envelope, so they can shaft you later by claiming you have no written proof of your son being on the policy. Our son is a Phi Bet Kappa honor student, non-drinker, non-smoker, and it is a shame that he has to be treated like this, just as we are being mistreated as a family, by such a devious and lying company like the Hartford.

I was cancelled and refused to reinstate. I've been using AARP for over 20 years with my personal name and company. The reason they gave is last June I was late in paying and then in January they again said I was late and canceled because late and would not reinstate. The reason in June was that I was distracted due to my wife had a server stroke and was in hospital partly paralyzed and still suffering so I was distort. The reason in Jan/Feb was that I was snowed in and did not get the message. They said they were sorry and they did not call or otherwise try to contact me as if I did not get my mail then it was my fault. This seems like a very poor way to operate a company and I am glad that I left them as I had no claims and if I did, I wonder what would have happened.

I had called and talked to a rep. with Hartford and explained that the car is in uncle's name and that I make the insurance payments on car but needed uncle's name on policy as an added name. The girl tells me hang on she will check to see if that's allowed. She comes back & says yes that's fine that my down payment is $98.88 and I paid it. In September, I had added another car and after I got off phone I called back and told them I needed a copy of insurance policy to put in other car and please make sure uncle's name was on it. The man Charles got irate with me telling me he was cancelling my policy right then for fraud. What? I proceeded to get ugly back as I had told the girl to start with of the situation, it didn't matter I was cancelled.

Other insurance that I had on car didn't treat me this way and I always say make sure uncle's name is on it. Well, I had to get a new policy with them and was being charged a down payment of over $200.00. I asked when my down payment of $98.88 was? Hell, I live on ssi/dis and don't get that kind of money. Told I didn't get that back because I was cancelled. What? What do these morons not get. It was their incompetence that caused me to be cancelled in first place! They was to go back and listen to recording and get back with me in a week. You guessed it. They didn't. So 3 weeks later, I called and was again told they would review the recording and call me back. Again 2 weeks go by and I called them to be put on hold for to ask their adjustor about it.

They hadn't listened to recording and I wasn't going to get my down payment back. I have stayed on with them for another 6 months and now I am being cancelled because I didn't even get the bill as my landlord has Alzheimer and gets into my mail. Screw them. I am done and no, they wont be getting another penny from me.

I noticed when I received my bill that The Hartford raised my rates substantially from the previous year. When I questioned the increase, I was told it was because I became a year older (from 59 to 60) and so, according to their statistics, I am now a higher risk driver. I have not had a claim, moving violation, or any other problem. After challenging this with The Hartford, I wrote to the state Insurance investigation department, and was told there was nothing I could do about this "discrimination."

On January 1, 2010 I visited my daughter. On her table was an insurance bill. Our conversation turned to the insurance bill; she told me I was being ripped off on my auto insurance because she paid less than I did. I started checking it out. I found insurance from AARP $500 less a year than what I paid. The 4th of January 2010, I received a quote from The Hartford AARP auto. On January 15, 2010 I received by USPS mail a lower rate notice from The Hartford AARP auto. The notice went on to state their latest studies suggest as a safe driver over 50 and my auto rates are too high. Because of my age and my level of experience, I would save 200 to 300 on my auto insurance.

Today I received a quote from The Hartford AARP by e-mail with an un-real/unreasonable low rate. I live in Texas where the penalty for stealing a $1.30 candy bar is five years in the pen. Today, I called; after a long wait some fool answered and he ran my credit history, drivers license and insurance report. The lying fool told me all he needed was the $171.94 up front. We set it all up $1174.18 year for the Advantage plus plan. The deceiving fool went on to tell me he would lock these rates in for life. He told me he would call me back at 5:00 pm Central Time.

He never called, so at 5:30 I called. Some old woman answered and said she ran my credit history and insurance report all over. The sorry old woman then told me I had several accidents. September 2007 where I caused damages; first $2500 and then it went to $3300. Please clarify, was it $2500, or $3300 or $25, or $30? Several lies. The police report shows I was run in to a hit and run. Nothing more than a lie. The sorry Hartford Insurance agent went on to tell that was the information she had. She told me to call my insurance company where the report came from. I did later and their story matched mine. They went on to tell me the higher the premium, the higher the commission.

The fiction gets even bigger and the sorry Hartford Insurance agent listed my daughter's misfortune. I would like to tell you all about this. I have the world's best daughter and she worked nights and her husband is an American hero. He was at the time serving in action. 2006 she went to church, came out of the church and her vehicle was damaged. This misfortune also has a police report. My daughter parked her vehicle in front of her apartment and an ice storm came and a tree fell on several vehicles. Today, I received a quote from The Hartford AARP by e-mail. The e-mail read, click here to buy online. I called and after a wait, some fool answered and told me the old woman lock me out of the system did not qualify. I told The Hartford AARP fool to send me written statement. He said no.

I told The Hartford AARP fool I live in Texas and it is a law. I believe I have a good case, Southern County Insurance or State of Texas? I told The Hartford AARP fool give me the source of his misinformation. I called Chase Point, went through their hour recording only to be told they allow 4 to 6 weeks to respond. I will forward a copy of my complaint to FTC and AARP monthly and weekly. Expose the fraud and abuses. I only request the names of the lying, deceiving, The Hartford AARP fool so that I may turn them over to the state of Oklahoma and Texas to have their Hartford AARP license pulled and for prosecution. I am still looking for a reasonable insurance company that does not discriminate based on age.

Called the 800 number requesting amount and cost of life insurance for my age group. I was given a quote and I asked about the up to 80 age and the lady was very nice and told me up front the premium at that age was so expensive that the average person can't afford it and most dropped the insurance. The AARP auto insurance program is a good deal as long as you don't have a claim. My wife had an accident, her fault and now I am paying almost double the premium and have only one vehicle. Point of this message is AARP programs aren't as good as they are made out to be.

AARP offers a safety driving program class that when attended, AARP gives a discount on your car insurance premium. On Dec. 30th, I went to my local library to sign up for the AARP safety class. I was told the class would be on Jan. 8th and 11th 2010 at noon. I was given the name, home and cell number of the rep. I called the home number. A lady answered, took my info and told me she would put me down for Jan. 11th and George ** would call. On 1/09/10, I called the home number. A girl answered and knew nothing about me. So I called the cell number, no answer. On 1/10/10, I called the cell number. No answer, I left a message in regard to me attending the class on Jan. 11th at noon.

Around 4:30PM, I didn't hear from George **. I called the library. She told me there was a safety class scheduled for Jan. 11th at noon. With that information, I called my work subfinder to take off a personal day Jan. 11th to do the class. On Jan. 11, 2010 at noon, I'm at the library to do the safety class. I waited until 12:45PM for George ** to show. I checked and verified with the various library personnel about George **. Same answer: I haven't heard from him, he hasn't canceled and he hasn't checked in yet, and he needs the keys to open meeting room. At 12:45PM, I went up to a library personnel and told him I was leaving and would complain. I couldn't find any email for AARP that's why I'm writing you.

I have had my car insured with Hartford through the AARP program for Seniors. I was quoted a rate during my second year (this year) with them of $282.00 per month for a 2005 Hyundai Sonata. I just traded in this car for a 2010 Toyota Corolla. Luckily for me on Saturday 12/26/09 when I purchased the new car we could not get through by phone to Hartford. The manager at the car dealership mentioned that he thought I was paying a bit much for insurance especially a senior rate for the car. Therefore, he suggested I try another insurance company.

We called another insurance company and the quote I got for New York State full coverage on a 2010 car was $175.00 less than AARP Hartord. I was totally surprised. Hartford advertises to be the insurance for senior citizens. They have full page ads in the AARP magazine. I am a senior citizen and on I am on a fixed income. When I insured my car with Hartford I asked for the basic full coverage New York State required and thats it.

When I called Hartford today 12/28/09 and asked how could I have been charged so much I was told that I had also elected to get some optional insurance - which I did not. I told them I am not an insurance agent and their office is not in New York where I can walk in and sit and have an agent explain every detail about the insurance. I spoke to someone over the phone and asked what I was going to pay for what I needed and that was all.

I feel that the agents feel that since they are not dealing with customers in person that it is easy to factor in these other optional items that people do not need. This is false advertisement and a form of cruelty to take advantage of senior citizens by not informing them of all the facts and Hartford should be forced to reimburse every customer that they have swindled - because that is exactly what has been done.

Seniors have been swindled. I told them this when I called and informed them that I would write to every senior group so that they would not use their products. During this time when the economy is in such dire straits how can they do this. I am sure this has been done to many people.

Called in for quote gave the female ONLY a minimal amount of information i.e. Name, address, and a contact #. She launched into reading a littany of cars she showed as titled to me (all but one were gone). When I asked where she was getting her information she started hemming & hawing about it comes from a "site"...when asked if it was the Ohio BMV she got more evasive.

When I stated that I had not authorized any of this searching she flippantly said "well, we're able to access all the files we need at once" (never furnished my S.S. or D.L. numbers).. when asked if she was looking into my Credit Bureau report too (I have a very high score) she went from evasive to aggressively defensive and started firing questions at me.

When informed she had no authorization to do this she replied "well, it's already done"... when I stated that we'd see how the Ohio AG and Consumers Counsel felt about this she outright laughed. I then said "proceed no further"...got another laugh. Then used a couple of phrases I learned in Army basic training...that to no one's surprise ended the call. What a bunch of 20 something slime buckets they've got working the phones. Someone should stop these people fram such fast and loose access to credit information.

I was paying approx. $800 a year and it jumped to over $1,200. I waited too long to cancel and the new policy went into effect and when I switched from the AARP/Hartford to State Farm and went to cancel my policy, the Hartford informed me that I owed a 10% cancellation fee, which I disputed, but even though my policy was cancelled, ten days later they still tried to take the renewal fees for the new policy out of my checking account, which was $147.36. I noticed it when I checked my account on-line and put a stop payment on it, but the payment went out anyways. The bank asked for it back and it was returned, only to recieve a bill for that amount in the mail. The Hartford refused to budge, so I filed a complaint with the Dept. of Ins. in Pennsylvania and the amount was reduced to $29.36, which I reluctantly paid. I have read all of the articles on this site and its plain to see that The Hartford looks for any excuse to raise your rates or to under pay claims. I myself was tricked into believing that I had full coverage when I first signed up, when I was asked to sign forms for what they said was coverage that I didn't want, which gave me the lower premium.

I later found out what it was that I signed away from State Farm and that was my under-insured motorist coverage, while only having uninsured motorist coverage for 3 years. I was told that the reasons for my premium increase was losing my multi-car discount, turning 60 years old and a Hartford rate increase for all policies. I had lost my multi-car discount a year before and turned 60 in my previous policy as well, so was I being charged for that agian? I noticed that the new premiums were within $2 of the premiums that I was paying when I had both cars insured. I am paying $300 less now with State Farm with full coverage than what the Hartford wanted with incomplete coverage and needless to say, I will not be renewing my AARP membership. I would say that representatives of the Hartford are very nice until you have a problem, but for them to raise my rates that much without having any claims, tickets or accidents, is totally rediculous as well as their reasons for the rate increase. I guess that I'm lucky that I never had a claim with them, because I got a good taste of how they really are! They certainly are not out to help Seniors at all and I can now laugh at their TV comerdials knowing better.

Yesterday, I had a rock chip my windshield on my 2010 Lexus RX 350. I telephoned the Hartford, and was put in touch with the glass people with whom you work. They set up an appointment for me, and my windshield is scheduled to be repaired tomorrow. When I came home this afternoon, I received a message on my answering machine explaining to me that my $500.00 deductible would be waived so long as my windshield was repaired using your window repairer. This confused me as I have full glass coverage. I telephoned the Hartford, fully expecting to be told that this was an error due to my full glass coverage.

Much to my surprise, I was told that I do NOT have full coverage on my 2010 Lexus. It was explained to me that the Lexus dealer had ordered the insurance, and that they were not permitted to choose deductibles. It was further explained that an explanation sheet had been sent out when I first insured the car, and that this sheet clearly showed that I did not have full coverage on BOTH of my cars.

I examined the Declarations Page, and I am appalled to see that they are indeed correct. I have been driving around for months with very limited coverage on a car that cost me almost $50,000. First of all, this is not very clear on the Declarations Page. Items A, B, and C are listed on the first side of the page. Item D is listed on the reverse side of the page and, in my opinion, it is totally ambiguous that this coverage was omitted. To be totally truthful, I most likely never even turned the page over.

I previously owned a 2004 Lexus and, when I checked that policy, saw that I did have full coverage on that car. Why would the Hartford assume that I would not want the exact same coverage on a six year newer - not to mention much more expensive - car?

I am appalled that this occurred and I blame you, the Hartford Insurance Company. I would NEVER have driven this car out of the showroom without full coverage, and I cannot understand how you would allow this to occur. While I am thankful that this occurred now and that I was not calling you to report that my car was totaled (finding out at that time that my coverage was indeed limited), I cannot fathom how The Harford Insurance Company could permit this to occur. When the Lexus dealer told me that they would take care of the insurance, I assumed that they would indeed do that. Lexus dealers will do anything for the customer. When they offer to carry out a task of this magnitude, one assumes that it is being done correctly and, if it is not, that the insurance company will contact the insured to correct the situation.

I have now corrected this situation, and I now carry full coverage on both of my cars. I am, however, seriously doubtful of the abilities of Hartfords customer service. I have often spoken about how wonderful your insurance company is. I have recommended your company to everyone I know over the age of 50 (I even recommended your company to the salesperson I purchased the Lexus from; Mr. Rick R did not switch companies solely due to the fact that you could not offer him motorcycle insurance at a competitive price). I do not believe that this will occur in the future.

As a result, I got Insurance from another company but had to file an SR-22 with the state of Arizona which has to stat on my record for five years. My insurance cost doubled. As a retired person, I can't afford the increase in cost since I only have my social security and very little other income. The Hartford does drop people. Don't beleive there advertising.

As soon as I got back to IL where I had communication available, I called to see it it was possible to renew this policy.

Extenuating circumstances had entered into the situation however, as while the car was being towed by our motorhome. In the process of turning around the car jack-knifed against the rear bumper of the motorhome damaging the front corner of the car including the headlight & hood. I should be clear that the damage will be covered under the motorhome policy as the car was attached at the time therefore becoming a part of the motorhome unit.

Back to the car, I was refused renewal coverage on the car because it was damaged. Had I not been incapacitated at the time the premium was due, it would have been paid up to date. I'm asking for reconsideration of renewal of this policy because the car will be repaired before we use it again. Please consider that I have complete coverage of all of my vehicles & that this one needs to be reinstated. At present we have no transportation until our auto is repaired and covered again with proper insurance. This was not an accident that happened while the car was being driven.

I purchased a Hartford policy a few years ago after joining AARP. At the beginning I was enthused to have a policy that was on paper superior to my existing policy for less money.

I got one speeding ticket in a work zone. (note that this was on a corner on the interstate with no equipment or workers present.)

After it was reported - Hartford raised my policy rates to 3x what they had been previously. This caused me to have to find another policy holder. It's obvious that if you have any issues - tickets or accidents that they make it impossible to buy their policies.

I carried the Hartford AARP auto insurance policy for many, many years. Suddenly I saw an increase in my premium, even though I had no accidents,no tickets and the car was a year older. When I called I was told the rate increased because I was now over 70 years of age. This, from a company that claims to provide better benefits for seniors????

My wife and I recieved from the " Hartford " An auto Ins. Policy Renewal letter. This is dated 08/19/09. The policy no is # 55PHH490613. We were informed by this letter that our auto ins. Is to go up approx. $500.00. I called theit 800 no. and spoke to a " Terri ".She informed me that the reason of price increase was the mileage on our two vehicles. The one that is way out of line is she told me the price went up because we had both become a year older!! I'm 72 my wife is 70. No accidents; or vehicle violations for over a year.! This is age discrimination!! I am now looking for a replacement policy for us old people. The Hartford and AARP for using them should hang their heads in shame!!

First I will give some advice. Every state attorney general has a department of consumer affairs and a department of insurance. If you have a problem don't hesitate to file a complaint. It doesn't take much longer than posting your story here. You can also look up your state's insurance statutes on the Internet when filing a complaint. In Oregon a company has 30 days to either approve or deny a personal injury claim. Things like that. I have found that most companies are even more responsive to a complaint filed with the Better Business Bureau which can also be done on line. Don't hesitate to file multiple complaints which cause the company to spend hours and resources responding. Make it not worth their time to screw with you and revenge is sweet.

As a last resort you can file a small claims suit where you can present your own case and they are barred from being represented by an attorney. Here is my story. When I switched to AARP/Harford part of the requirement for purchasing a policy was AARP membership. I paid for the membership the day I applied for the policy. I never received a card. I was canceled by Hartford who claimed I was not an AARP member. I called customer service and provided a membership confirmation number and was reinstated the same day.

Because of the cancellation, the fact that I never received a membership card and the horror stories I read about Hartford I canceled the policy. I later received a bill for $67 that included a 10% of the unused premium cancellation penalty. I filed a complaint with the Oregon Insurance Department and department of consumer affairs as well as the BBB. Hartford CS called and removed the $20 penalty charge but the account was turned over to their collections department for the $67. I told CS the $20 was not acceptable that they owed me for the membership fee I paid but did not benefit from as well as for unused premium. I next received a letter lowering the amount owed to $37 which was correct except for the refund of the membership fee. At the same time I received a letter stating that they had turned the amount of $37 over to their collection department which may be against the law since I had already disputed the $67.

I amended my complaint alleging Hartford had misrepresented the amount of a debt which is in violation of state and federal fair trade practices statutes. Two weeks ago I received a letter stating that they were refunding the membership fee but that it would take at least 8 weeks. I received a letter from their collections department yesterday stating that they are going to start charging late fees on the $37.

My position is that I do not owe them $37 since they have not refunded the membership fee. Make sure you keep all correspondence. One avoidance tactic they have used is that Hartford tells the consumer to take the problem to AARP and AARP tells you to take it to Hartford. Yet, on every envelope is the heading AARP/Hartford Insurance Company. Don't be a door mat for their unethical practices. You do all of us a favor when you make their life miserable. Before you cancel your policy get on the Internet and do your homework before purchasing another policy. I found out the hard way that cheaper is not better with insurance companies if you have an accident.

It's better to pay a little more for a company that pays it's just claims and does not use any excuse to up your rates. Go with the company that has a good track record and the fewest complaints against it. It may be a smaller company you never heard of such as Oregon Mutual. How much do you think the insured pays in the end for all that garbage mail they receive every week from AARP/Hartford?

I was involved in a motor vehicle accident on May 26, 2009. My neck was broken at the C-2 level of the spine. A request was made for forms to make a claim against my PIP insurance since I was a passenger in the accident and not driving my personal vehicle. It is now 2 months later and no forms have been mailed or faxed to either me or my lawyer even after numerous attempts. We have been told on numerous occations the paperwork would be sent, we received none nor did we get any phone calls or emails explaining why the delay. I added the PIP protection to my policy to be protected in case of an accident. Now I am being ignored by the company intrusted to take care of my needs when necessary. This is unacceptable and indecent behavior on the part of Hartford Insurance. It is too bad AARP has affiliated themselves with a company of such low caliber. I have also filed a complaint with the State Board of Insurance.

WE saved $681.52 Thank you AARP for the great work your not doing..

I called the new insurance and the informed me that what I was asking them to do was fraud! When I called aarp back and told them what was said, they became rude and I told them that from my understanding, in my state, I thought that if a person had insurance, they own the policy and can cancel at any time. All of my questions were side stepped and ignored no matter how much I asked. I filed a complaint with the department of insurance today and hopefully, something will be done. My Grandmother is 83 years old and lives on a limited income. This company has has no feelings for their customer base and they seem to take pride in taking advantage of the elderly.

They then turned us over to collections, who stated we owd them a couplethousand dollars for periods 10/04-10/05. I have all the receips for that period however tey were not interested and my husband believed them, setting up payments of $50.00 a month, which we have been paying for a couple of years now. I recently sent them a letter asking them to put in writing the exact reason for being charged this additional money. (4/18/09). and as of this complaint, still no responce.

I called for an auto insurance quote. I am 60 years old and no traffic violations or accidents. AARP Hartford auto insurance was $1,500.00 more per year. What a scam operation, making senior citizens think they are cheaper than other insurance firms.

they are scum

made up some crazy excuse and dropped me and refused to reinstate my policy

received letter on a sat and they can not be reached @nites or weekends contatcted them on the following mon

surely enuf time for the us mail

honestly thinking back on the conversation they had no intention of reinstating me and were using that as an excuse

i have never even heard of or seen a nj residency form b4 and had auto ins previously w/another co

i did notate on the application that i would not authorize a credit/consumer report even thou my credit is impeccable so is my MV record and i feel it is discrimanatory to base ones ins rates on their credit

they lied and said that nj does not require that

actually they broke the law when they ran one w/out my knowledge or consent

y'know how they say this conversation will be recorded????

can u say lawsuit????????????

Since I am a physician, he asked if I had ever published or will ever publish any scientific article. My response was yes. He then put me on hold and came back and said the underwriter was denying me my umbrella policy because I have or may publish an article in a medical journal.

I explained to the agent that I am a hospital employee and any article written would have to be approved by the research committee at the hospital and that the hospital also carries a liability policy for me. I even offered to fax the policy. I even suggested they exclude or put on a rider excluding any articles written. The agent went back to the underwriter and claimed to have gone to his boss as well. The response was still NO. I asked how they can possibly exclude everyone in the scientific community who will write or will ever write an article. He could not answer. This seems like a ridiculous and discriminatory reason to deny a policy. It seems like that they were looking for any minor excuse to deny the policy.

What I found most interesting is that I already have an umbrella policy with Hartford. I was looking to change to Hartford under AARP to save money on my auto insurance. The umbrella goes with my auto insurance so I could not change. I did ask the agent why Hartford/AARP denied me while Hartford with my private agent had no problem giving me the umbrella. He could not answer me.

Also what relevance does my professional work or professional life have to do with my personal umbrella since I have separate liability insurance through my place of employment? He could or would not answer the question. In addition he would not let me speak with the underwriter.

I have been with AARP/Hartford for over ten years and have never had an accident or made a claim. Back in 2001, we ran into serious financial difficulties when my husband lost his job due to the spotted owl issue and the resulting timber mill closings in the Pacific Northwest. Our credit suffered as a result. Because of our financial difficulties in 2002, they have raised our rates every year as we are considered a "bad risk" and irresponsible. Again---in ten years, not one accident. Actually, we've had no accidents or claims at all over the last 20 years. As would indicate by our driving history, we are very responsible drivers. I've held the same job for 18 years; after he finally found another job, my husband has held the same employment for over 8 years now. How is this possibly a good and fair way to treat good loyal customers?

We have had auto insurance with AARP Hartford for more than 10 years and had coverage in New Mexico, Utah, Montana, and Oklahoma for two vehicles, full coverage on both, no accidents, good credit rating. In May 2005 we sold our Cadillac El Dorado and had it removed from our policy when we moved to Oklahoma from Montana. In Montana the annual premium for both vehicles was $1,013.00 as of November 1, 2004. Six months later and minus one vehicle the annual policy premium was $1,028.00. The premium has been rising each year even though we have had no accidents, no change in coverage, no changes in vehicles, no changes in drivers.

We received our renewal policy a few days ago and the renewal premium is $1,443.00. I called Hartford and asked why the premium is so high for one vehicle and has always been higher than it was for two vehicles. The explanation is that 1.)my husband is the principal driver and males are more costly to insure than females; 2.) we had a multi-car discount of $51.00. I asked the customer service rep, Brian, to figure what the premium would be at this time if we still had the Cadillac on the policy. He informed me the truck premium would be lowered to $1,116.00 and the Cadillac premium would be $394.00, which means the two vehicle policy would cost $1,510.00 compared to the one vehicle policy cost of $1,443.00.

In other words, we can insure two vehicles for the price of one. Prior to calling Hartford I went online and got quotes from other companies. Safeco and GEICO both came in with policies of $800-$900 annually for the exact same coverage on the truck that we have with Hartford. My questions are, if Hartford can charge $1,116.00 for coverage on a pickup if there is another car on the policy, why can't they charge this same amount when there isn't another vehicle on the policy? The vehicle hasn't changed, the coverage hasn't changed, so why does the premium change? Are males being penalized with higher premiums than females even after they turn 25? My husband is 67 years old with a perfect driving record. Why can other isurance companies provide the exact same coverage on the same vehicle for $500-$600 annual premium less? Isn't that an indication that Hartford is overcharging to begin with?

hartford thru the aarp offered us a good savings,we subsequently joined AARPand bought the auto insurance, over the net. Paid by credit card and instructed hartford to withdraw electronicly. We never received any I.D. cards contacted them several times and was told that our paperwork was not sent back to them on time and they were cancelling us for no payment. Got that straighted out and they faed the papers to us 6 days before it had to be maiied back, couldn't fax it! We got cancelled out of something we never had in the first place

We were left uninsured on a vehicle that needs full coverage. We lost out on money and insurance. As the rest of us are saying I will guarentee that any one I can talk out of getting Hartford insurance I will. They should be put out of business and the AARP endorses them. What's coming out of the seniors pockets that they don't even know about?

I cancelled my new policy 3 days before it was to go into effect. Thee AARP reprsentative assured me over the phone that it was cancelled and that I could expect my refund in 10 days.

I received an AArp policy in the mail. I called to verify that it was cancelled and the representative told me that it was not cancelled and that I could not cancel it over the phone. She said that I had to send in a declaration page from my current insurancce carrier showing that I was insured on the day that theyer policy was to go in to effect.

I have not received my refund. I also think that this is unfair business practices.

"Our low rates are largely due to the superior records of drivers over 50. And, you're guaranteed additional opportunities to save as time goes by. After three years with the Program, you'll earn a safe driver bonus discount of 5%. And you'll be entitled to that discount every year you continue to drive safely, with no accidents or violations. Beyond that, if you haven't yet qualified for our very best rates, we'll review your records each year and make any appropriate reduction until you do. All you have to do is keep driving safely, and your rates will be adjusted automatically."

When I received my 4th year policy renewal premium packages last week, I found that not only did the auto premium NOT include the 5% guaranteed discount but DID include a 15% increase(with no incidents or claims on my part). I subsequently spoke with The Hartford's Consumer Affairs representative who simply stated that The Hartford changed their plan last April and it just doesn't include the 5% guarantee...ironically, the very year I qualified for it! I wonder if AARP supports bait and switch tactics in other programs with which they are affiliated?

Upon further discussion, I was informed by the insurance rep that I did not receive their "very best rate" because of low available credit. I had reviewed copies of my three credit reports but at the time was not focused on documented available credit, primarily only that my payment history was accurate and that no unauthorized use of my accounts had occurred. Because The Hartford actually increased my new premium cost by 15%, I was shocked to be told it was due to low credit limits available to me which I knew was not the case. More careful review of my annual credit reports reveals that my home equity line of credit amount and VISA credit limit amount information (that, interestly enough, has been correctly listed on both my Experian and Equifax reports for years) is missing on my Trans Union report.

My intent in writing this is obviously motivated by my personal irritation with the lack of integrity being evidenced on the part of the involved companies and organization. I feel that the millions of Americans over age 50 who are DELUGED with AARP's promotional materials would benefit by being informed and perhaps would take a step back and seriously consider whether what they are told about AARP recommended insurances, even if provided in print, may turn out to be empty promises that can be arbitrarily changed to the detriment of the consumer. Had I known this a month ago,I surely wouldn't have paid for another five years of membership in AARP...I will never take their advice at face value again.

I called the insurance company, about one issue and discovered to my horror, that they are canceling our auto insurance at the end of March. According to them, when I paid on line the past 2 months, I made some error, and they could not withdraw the money. I asked them to tell me what the error is and they can't. The money is absolutely there. It was there when I made the payments. I also pay my renters insurance there as well, and there has been no problem. So, for this reason they are canceling us. Their only alternative was that I let them set it up so they can take the money out of my account, which I would not allow anyone to do.

The insurance we will have to change to is over $300 more a year.

Have had auto insurance from AARP The Hartford for several years and recently received a Information Letter thanking me for being a member. You are receiving a unique combination of savings, benefits and service designed exclusively for AARP members. However, the policy price increased by $209.00 for the year. A call to CS stated that the rates of the state (PA) had been increased. I am very dissatisfied with this and would like to know, with the present economic downturn, why are they increasing their rates? I haven't read anywhere that the CEOs are reducing their salaries or bonuses - no, that would be unthinkable! Thank you for your time - A Disgruntled Customer

I chose to insure my new vehicle with the AARP Hartford after realizing a $396.00 savings over my previous carrier. Nine months later I was in an accident and The Hartford adjuster deemed my car totaled. As an AARP member I had special coverage which read, we will replace your new vehicle with an exact vehicle, options, etc..

Well, I had a $31,000 Chev. Equinox LTZ. They said their definition of a new car was one that had 150 or less when it was purchased. Mine had 300 because it had been gotten from another dealership. Ironically, their definition of a new car was not stated in any of their information, pamphlets, internet site. There was no way for me to know this until I paid for my policy and received it in the mail.

They sent me a check $ 6,000 shy of what the replacement cost of my vehicle was. I had to purchase a lesser vehicle because I did not have the extra cash to make up for what they weren't covering. When I brought this to the attention of the adjuster, she answered well, here is the address of the Connecticut Insurance Commissioner. You can contact him. SO I DID!

I did win my case after months of stress, preparing a case. I did win! The adjuster called me the same day a letter from the Commission indicating they had ordered the Hartford to pay me the balance. She said The Hartford decided to pay me the balance. I immediately CORRECTED her and told her I had already been informed by the COMMISSION that THEY ORDERED the HARTFORD to pay me. She quickly said Is there anything else I can do for you today? and that was that.

I have an extensive chronological commentary of events of a bad faith denial of an accident I had. AARP/The Hartford is denying my claim saying vehicle was not reinstated on my policy. CHP checked all this out at the time of the accident and afterwards DMV said I had coverage---all this is irrelevant according to AARP/the Hartford because they say they have no telephone record of my reinstatement request.

I am 62, never had an accident before or driven without insurance! My Viper was totaled after I put coverage back on car. This has become a nightmare and I have only been given the runaround. To make matters worse my passenger (older too) who was with me was injured and now his insurance co. is coming after me--please help! Also why can't you paste info onto this page---I have so much information and evidence that I've written down to support what I'm saying? Thank you

Loss of $45K car that I worked my whole life to own and injury to a friend which has opened a whole new can of worms. This is making me physically sick. I have always been diligent and responsible in all I've done!

I had auto insurance coverage between the periods of 2/12/08 through 3/22/08, the Hartford Auto Insurance Program was required to electronically notify the New York State Department of Motor Vehicle that I did in fact had coverage from 2/23/08 throgh 3/6/08 to avoid any lapse in insurance coverage. According to the New State Department of Motor Vehicle The Hartford has failed to do so and as a result have suspended my regristration.

I have spoken to the Hartford on several occasions since July of 2008 in effort to resolve this matter, unfortunately to no avail and been told there is nothing else they can do. Maybe you can be of some assistance to aid in resolving this matter which as already cost me time, money and embarassment in the form of my vehicle been inpounded, summons and harassments.

Towing charges of $144.90 Taxi services of $94.00 Summons, embarassment and harassment.

I would like to inform you of my experience with the AARP Financial Auto Insurance Program from The Harford.

Let me tell you a little about me. Im 66 years old and a retired musician residing in Las Vegas, NV. My driving my driving record for the past 25 years is beyond excellent and my wife of 47 years and I havent had an accident as long as I can remember.

I immediately called the 1-800 number provided on the letter to see why they had raised my rates. The women on the phone told me first the rate increase was because of a moving violation I had in 2006. I explained to her the man who originally processed and approved my policy last year initially told me I had a moving violation and it would have no effect on me getting the insurance at the great rate given to me at that time. I asked her how someone the year before could approve my getting the policy with the knowledge of a moving violation in 2006 and now a year after having the policy with no problems or claims the company could raise my rate. This didnt make sense!! She said she would look into it and put me on hold. She came back 3 minutes later and said the reason for the increase was not because of the moving violation but the reason was they didnt know how many miles my wife and I traveled in the cars since last year. I told her this was preposterous. I gave the mileage of both vehicles when I applied for the policy last year. She replied the mileage given was only an approximate and not documented.

I just want to tell you I was ripped off by the company you have endorsed and advertised proficiently for the past couple of years. It seems they sign you up and after the first year they look for anything they can in order to raise the rate. You and the people involved in this scam should be ashamed of yourself. I should have stayed with the company I was with. The rate from the Harford is higher than what I was paying two years ago.

Im going to send this letter to every newspaper, insurance commission of Nevada, and every AARP representative to make them aware of this rip off. Ive worked for 45 years here in Las Vegas and this scam is typical and its too bad you have endorsed a program and company that has no morals, ethics and this is a prime example of why the whole country is messed up. Between the greed of the insurance companies and the banks the future of this country is in a bad way. I will try to proceed to see if any fraud has been perpetrated and if so, will try to make an example of these thiefs.

Thanks for the recommendation. Im going to tell everyone about the Harford Company and the great savings they give to seniors! I hope some of the other things you recommend to us folks are not scams!

Obtained insurance with Hartford through AARP in 99 on my Auto, all these years have been with them, and have a clean record. On Jan 12, 09 purchased another auto, tried to obtain new insurance with them, was told an out outrageous amount for the year, so explained i should not have to pay that high of premium, the first CS was very rude and argumentative, to make a long story short, i dealt with them for 3 or 4 days, found a Supervisor that stated she would write a new policy which would have brought the pymts to my income, i was going to insure on Mon the 19th of Jan 09, called again to contact her and could not, so reported all this treatment to AARP which i have been with since 94.

they were going to contact Hartford nothing was ever done, none the less I went with a better quote with another Agency, when i called Hartford to cancel i told them i have a rebate coming back, i was told i would pay a 10% penalty for canceling early, what is wrong with this picture, i tried to obtain a new policy, the sales and CS said could not be done, when told them a Supervisor is writing they would never put me through to her or she just ignored the attempts, anyway i tried to contact their Consumer Affairs dept on the 19th and was told could not it had to go through a Mgr. he took phone number to call me back, that did not happen.

They have become so unprofessional and could care less about the Consumer, AARP is one of their biggest contracts, appears AARP does not care about their Customers either, the Sr's are AARP and if it were not for them Hartford would not be as big as they are.

Buyer beware shop around and you will find cheaper insurance that is better.

One employee told me they cannot write a new policy every time i buy another car, this is the first one in over 10 yrs. the charges on the old policy were astronomical, yet for a new policy it was cheaper.

I have had hartford insyuraance for about 20 years. I recently filed a claim about 12/15/08 and they have give me the run around ever since. I have sent them everything they have requesteed. But I do not hear anything from them. I think AARP should reconsider about recommending them for insurance needs. It will cause people to wonder about AARP.

I run under a AT&T power line that was too low across a public drive and done damage to the roof and air coditioner of a new gooseneck camper.

Last March (2008), my car slid on ice and left the roadway, hitting a stand of trees head-on. Luckily, I survived, and I was treated at a local hospital for my injuries. Since I had no health insurance at the time, I submitted a claim for med-pay only. I had two cars at the time, but the auto involved in the accident had liability coverage only. I called in the claim for the med-pay, and a few hours later received a call from a claims rep saying they had to deny my claim because I didn't have comp and collision on that auto! I explained patiently that my claim was for med-pay only.

That claim was paid, the car (which was totaled) was dropped from my policy, and my premium was adjusted for the one remaining auto on the policy. In November, I received a letter from the Hartford saying they would forgive this first accident. A week later, I got a letter stating that underwriting had determined my premium would be raised at renewal in January 2009 by 33%! The letter included a statement to the effect that if I didn't like it, I could cancel the policy. I called to find out why the increase in premium, and no one could give me an answer. They said to call back in Mid-December, and they might know then. I did so, and after the rep floundered around for a while and put me on hold for some time, she told me that my premium was higher because I lost the multi-car discount!

That doesn't make sense as the premium had already been adjusted for one auto when I dropped the totaled auto from the policy in March. (I traded in the remaining auto in September for one a few years newer, and the premium was adjusted accordingly at that time, as well.) The premium for the 2 cars together had been much lower than this premium they are charging me at effective date. I now have health insurance, but no one had asked me about that. Obviously, I will be insuring with another carrier.

My Dad has had the Hartford auto insurance for a few years and the insurance premiums are high for one vehicle over $1200. for one year. He was driving home on HWY 104 on November 7, 2008 and a farmer was out after dark with no lights on his grain wagons. My Dad's truck was totaled out. and received a check for the truck but had a 100 deductible on it for collision.

When the insurance claim rep said after he had concluded his investigation. He agreed with my Dad that the farmer was partly responsible for the accident. When I asked him to explain this. He said even though it was dark and my dad was not ticketed (the farmer was for no lights after dark) He was still responsible for the accident. Even though there were skid marks where my dad tried to stop, it did not matter, the claim rep stated my dad had his headlights on and should have seen the vehicle and because my dad rearended him, it is still his fault.

If this is the case would he be responsible for deer accident as well? And some other questions to ask is if my dad was at fault even a little , why didn't the officer give him a ticket as well? I did not agree with him, but what can we do except do this. I know one thing since my dad pays that kind of money out to the insurance company, we will be looking for new insurance probably next month for his truck he got replaced with

had to pay 100 collision deductible and also this will give Hartford a reason to up his premiums

Taking advantage of older customers by advising them they need more coverage then they actually need;

I used to work for the Hartford in their quality department and I have to admit that their home and auto insurance that is offered to AARP members is terrible. I felt so bad as I review widowed wives and elderly men living on fixed incomes getting over charged! The customer service representatives do not teach the customers about certain credits that they are entitled to etc., It is just a really said situation to take advantage of this demographic.

My wife was driving south on Hi5 in front of Fort Lewis Army Base doing about 34 mph and all of a sudden we were being tossed around in our car.We had a seat belts on.A 18 wheeler smashed into the back of our beautiful retirement car.My and I were taken to the hospital.We actually pretty lucky for two elderly people. No blood or fractures, but our bodies are bruished and battered, and since we both have alot of arthritics, it made those hurt more.Our vehicle was hit and I was pushed into 3 cars in front of me.The engine wasn't touched. Soame damage in the fron and my back end was demolished.

I can't understand why the airbags didn't deploy. The driver of the truck was cited for traveling to fast for conditions.

My car was taken to Gerber Glass & Collision repair. Hartford insurance told them to get an assessment of the damage.They told Hartford the car was totaled. Hartford sent there on adjuster and they said it was fixable at $15,000 and it was worth a high $26000. I believe we were taken advantage of.

Why two adjusters? The reason they are lying I checked online Kelley Blue and Nada or Nava, can't remember the spelling they had considerly lower price(high & low).Hartford Ins. even sent the money to Gerber collision before starting to

working on my car. We don't want the car . It is a 2007 Toyota Camry XLE 4cy with 19 thousand miles on it. If I even thought of getting another, I wouldn't be given anything because it was in a crash.

It was a cheep quote but became very expensive and they also were very rude. I'm a CDL driver at work and by law I have to carry a medical card with me at all times but after getting a ticket they wanted my medical files, can you believe this, they are a organization for people over 50 and I'm 56 and it was the first time I ever was asked to turn over my medical files to an insurance co. what next.

I switch companies after they told me they would not cover me without giving them all my medical history. I have nothing to hide but I'm an american living in coutry where we always have been free from this kind of intrudetion.

When we signed up asked for towing which we always have on our cars. 3 years after being with them, turned in a claim for towing and they deny. Said we never had towing. A month later turned in a claim for a deer car crash, again tried to deny, said we had not paid our monthly bill. We had and had to fight to get the whole things cleared up. Will not stay with them and plan on telling everyone I know not to go with them.

caused us to loose the money from the towing, we are still waiting to get the car fixed.

I discovered that I was being overcharged for auto insurance from the AARP backed Hartford insurance, so I bought a policy with Liberty Mutual for $213.00 less than I paid Hartford, and got better coverage and services to boot. I therefore cancelled my AARP backed policy expecting to get a refund on the unused premium only to receive a bill for cancellation which equaled and additional month of coverage.

I'm upset not only because they refused to waive that fee, but because I thought the policy should have been cheaper in the first place since AARP is supposed to be an advocate for senior citizens. I feel this fee is unfair because I received zero service for my money.

I have been insured with the same well known international Insurance Company for years. I joined AARP and got a solicitation from Hartford Ins extolling their low cost to AARP members. Since my insurance was comming due, I requested and received a quote from Hartford which was $980. I retained my existing insurance company at a cost of only $687. The policy provisions and coverages were identical (I have a law degree and years ago was an Insurance Agent and know how to read a policy).

It is common practice for companies advertising through AARP to charge more to AARP members than by bypassing AARP. It would appear that AARP rips off its members by charging companies for the AARP endorsement which in turn charge to the unsuspecting members. The calls and letters began when I didn't enroll with Hartford....What can we do? Maybe we made a mistake in quoting, etc.

My 1995 Honda Civic was stolen from the parking lot of the apts. where I live on April 8. To make a very long story short, the Hartford told me I stole my own car and that they were going to have me arrested for insurance fraud. When I simply received a disclaimer of payment, I was happy they didn't have me arrested until I realised that was their ploy - to get me so worked up and frantic about being arrested that I wouldn't fight simply a denial of payment.

I did contact a (friend)lawyer at the time but he practices in PA and we live in CT. He said he would contact the Hartford and maybe that would let them know I was not taking this treatment lightly. After the lawyer contacted the Hartford, when I called them they said they can't release anything to me, I couldn't see my car, because I had hired a lawyer.

Incrediby, in mid-June my 1984 Corvette was broken into and vandalized causing $1,500 worth of damage. Two separate investigators were sent out to inspect the vehicle which was at the garage. I received a written estimate with authorization to have the work done and the garage received authorization from the investigators to start work on it. The check was in the mail when it was stopped by the original investigator of the Honda. The Hartford claimed that they made a mistake and sent the wrong investigator and the original Honda investigator was put on the case, along with the original very nasty, criminal claims rep.

Now they are saying they will not pay for the Corvette. The work is done and I do not have the money to pay for it - I will have to charge it. I called a CT attorney and he told me that this happens all the time and there's nothing you can do about it. All you can do is take them to small claims court. CT law allows insurance companies to deny claims for any reason they can find. True or not apparently.

This has taken a devestating emotional toll on me. I am already on disability for depression. I have been without a car, don't have money to buy one not to mention who knows how this will affect my insurance premiums in the future as well as my credit rating. For the Hartford to accuse me of something as serious as insurance fraud, which I didn't do, after never having had so much as a parking ticket and always paying my premums early, is unethical, immoral, heartless and even criminal on their part.

When I purchased Policy, I was told that my premiums would go down each year of safe driving. Instead my premiums for the past two renewal years have gone up substantially. I was told that these increases were due to my credit scores going down. In these financial times it is almost impossible to survive only on Social Security Disability, so the Hartford must be getting really rich by ripping Off older disabled people this way.

I cannot afford their current demand for premium increase so shall save money by switching my insurance to Geico. Can't anyone do anything about this type of elderly disabled discrimination ?

My husband, Carl, belong to AARP and we decided to check out their insurances since they advertise they have the lowest rates for seniors. We tried auto insurance first and they quoted us a reasonable rate for our vehicles; however, when we received the policy they raised the rate by about $00.00 a year. Their reason for doing this was my husband's credit report was not great. I have to tell you my husband was furious, his credit report is triple A with a rate in excess of 840. We declined this insurance and then we decided to try the supplimental insurance to medicare.

Well once again we were quoted a price over the phone of $56.35 each per month also the plan we chose we were told would cover the $1024.00 entrance to a hospital that medicare doesn't cover that was all we were interested in, but once again when we received the policy we found my husband's rate was increased by about $30.00 and the plan only covered half the cost of hospital entrance. I complained and we received calls from both companies and they said it was because of my husband's age.

Well these policies are suppose to be for senior citizens, so I don't understand. And how many seniors would have paid the extra without arguing. I really am angry with AARP and these false ads should be stopped. I am 67 and my husband is 73 we are in good health. What is it they constitute as a senior citizen anyway. Thank you.

I have had AARP for years and along with it I have been insured by The Hartford. In 2006 I was insuring the Home and (2) two vehicles, a car and a truck. In February 2007 I sold the truck and called Hartford to have it removed from my policy.

In 2008 I got my insurance bill and the truck was still included? I call to remind the Hartford about the truck being sold last year and the agreement was to give the credit on this year 2008 balance of the bill. Yes I know I could have gotten the money back and put it in the bank and drawn interest but I figured Hartford would do the same and reward me by reducing the principle of truck plus interest.

They forgot me! I got this all worked out after spending about 5 hours of my time on the phone. On January of 2008 I got on line to get my amount due and I paid the amount for the year. If the amount was right or wrong or low for my rebate, I just paid it to be done with time spent. I did check other Companies for house insurance and the quotes came in by the 10s and all were less in price than Hartford with more coverage?

I called the Hartford and explained how long I had been with them and AARP and that I had never had a claim. I suggested that the Hartford lower my House insurance so I could continue my coverage. I called two times to plead with them and even got a letter telling me they were to stay at the price quoted, about $300.00 more or about 35% than others quoted as AllState etc..

I last left an e-mail telling the Hartford that it is clear they dont want my business. I never heard another thing from them tell this week. I got an additional bill wanting me to re-pay for my auto insurance that was paid in full for a year on the 16th of January 2008. I regret leaving the AARP after all these years, but the Hartford is leaving me no choice. Inflated prices, rude service and no consideration for claim free service from loyal customers has drove me away. Please get quotes on your insurance next year before you trust AARP/The Hartford.

About a year ago (February 2007)I switched my home and car insurance to the AARP The Hartford program. I decided to do so because I was able to save money, so I was told. The Hartford offered me one year policy for 2 cars and 3 drivers for $683/year. One year later (February 2008) I received a new bill that to my great surprise was up by 16% over the previous year bill and now was $794 per year. Not happy, I called the AARP Hartford and was told that this $111 increase was a result of the fact that I had driven my car 18,000 miles in stead of 8,000 miles. I told the Hartford person that that was an untrue statement as I had not driven any of the cars that much in the past year. I proofed with dealer maintenance records that I drove the cars less than 10,000 miles in 2007.

I was thereafter sent a new bill by the Hartford, once again by mail, that stated an annual premium of $763, and thus an increase of 12% over the previous identical billing period. I decided to pay the $763 bill by internet as the expiration date of the policy was nearing (March 31, 2008). Thereafter, I called the Hartford again and asked for an explanation on what the basis was for the still steep 12% increase year over year. I was then told that The Hartford had made a mistake and that my annual fee was actually $1,565 per year and had therefore increases 130% over that of 2007.

A few days later I opened my mailbox and there was the $1,565 bill. I am very dissatisfied by the procedures used by The Hartford. To me the whole thing is just like a scam. The Hartford lured me into their business by initially giving me a low quote. Please note that the three drivers of the 2 cars have been driving without any accidents and claims for the past 16 years. Moreover, the three (3) drivers have combined only one (1) point on their drivers' licenses and should therefore be eligible for the maximum discount! Moreover, my 18 year old son drives my car only very occasionally and is moreover a student with an average school score of 4.1 (far above the 3.0 required for being a good student). I feel scammed by The Hartford. Thus far the AARP has not taken any action and I sincerely doubt the usefulness of that AARP organization! I have contacted AARP Office in Richmond Virginia and maybe one day I can have a better opinion of The Hartford and AARP.

For the year 10/2007 to 10/2008 my auto insurance jumped from $750.00 to $910.00. I have never filed a claim for the 2 vehicles I insure with them. When we called to asked about the raise in premiums, they said it was because I had reached the age of 70. No accidents, no tickets and no claims.

See my Auto Policy and my letter to Mr. Concannon dated and sent 1-22-08 regarding my being misquoted for my auto policy premium. I have heard from no one since I completed the form Mr. Hayes sent to me requesting documentation of my discussion re. rate offered.

The discrepancy in premium cost is $110.00

I was quoted twice the amount I pay in my current policy with GEICO. They advertise that I could save up to $300 for belonging to AARP. What a robbery; they were trying to charge $1,000 more a year.

I purchased auto insurance from AARP (The Hartford) after realizing my previous car insurance was getting too high. Rates from The Hartford were cheaper. When it came time to renew my policy, I realize my policy was going to cost more money, actually bringing me to the amount of the previous company I just left. I was upset because I have a good driving record and do not feel that I should be continuing paying for these increases. The Hartford told me the increase was because Governor Rell gave permission for increases.

In any case, I'm sure the person I spoke with knew I was upset and I did mention to him that I would be shopping around again. My insurance with The Hartford was renewing in December 2007 to December 2008. On January 11th I found a new insurance company that was considerably cheaper with the same coverage. I also had automatic deduction with The Hartford. It so happen that The Hartford told out the first payment due for renewal just as I was setting up for a new insurance company. I figured since I only used approximately 12 days of the Hartford Insurance because my new insurance was effect as of January 12, 2008 that surely of the $180.00 that was taken out of my check account from the Hartford that I would get some of the money back.

Well as it was, I not only did not receive money back from the Hartford but was sent an additional bill of $35.00 saying that was the amount due to The Hartford. When I spoke to a gentlemen on the previous weekend and told him I was cancelling he spoke to me as if I would get some money back but he did not tell me the amount. He was extremely nice to me telling me that he did not blame me for shopping around because these days you have to. He also told me about his home and how he shopped around for some repair services and found there was differences of $1500. The one repair service he found did wonderful work, etc. I was led to believe there would be a deduction taken from the $180.00 from The Hartford but not the entire amount and surely not owing addditional money. I have cancelled insurances before and NEVER had to pay money back. I believe I am entitled to some of the $180.00 that was taken.

I have been insured with The Hartford for years because AARP recommends them. Being on a fixed income and a senior citizen I thought that AARP was looking out for my best interests. At least that's what they make you feel. I found that Met Life gives me more coverage at a cheaper price.

I feel that all these years I have been overcharged for my auto and home insurances. AARP is in fact telling seniors untruths.

Didnt bill me for 5 mounts repeated calls to them wanting to know my auto premium answered saying trouble with system could not help me got bill for 1929.00 for 2 cars for 1 year an increase of 1047.00!!! cancelled them got insurance from farmers for 800.for both!! had one ticket for a headlight violation hartford said this was reason for 1047.00 increase!

I was insured with Hartford AARP for years. I had one loss, a camera stolen in Europe. Hartford reimbursed me for $50.00, less than one tenth the actual value of the camera and then removed my loss free discount. They then charged me an additional $47.00 per year for three years resulting in a total loss to me of $91.00; even though I had no other losses my premiums increased every year. The last triple digit increase prompted me to contact other insurance agencies where I now have far better coverage for less money.

So much for AARP protecting the interests of senior citizens. I have just received a notice from my health care provider informing me that they have combined with AARP and have now increased my co-payments as much as 300% for some services. I believe that AARP is a scam designed for the exploitation and defrauding of seniors and it is past due to be investigated by public agencies. Many of my friends have had the same experiences and stopped dealing with aarp.

I had only been on AARP, and Hartford for 6 months! My monthly car ins. is 102.04. Somehow, by the fifth month they sent me a cancellation notice with a fifty dollar check. I had never been late, in fact a couple of times things did cross in the mail. I called company, they said sorry don't worry about it. By the third time this happened, I just paid the late fee to be done with it.

Anyway, somehow with only belonging for 6 months they said I was 220.oo plus behind, plus wanted me to send the fifty back (because tried to cancel me) I told them I think this is a scam, I said how when I pay 102.04 monthly (only for 6 months now can I be behind 220.00 (plus their 50.00 check?) They said Oh that is just how it worked out. Sometimes they said bill would be a few bucks higher and if I didn't pay exact that is how it could happen. They NEVER really explained! Did allot of double talking and told me to mail in the (almost 2 months late) and they would back date the books so I wouldn't have a lapse in coverage. How can you get over 2 months behind when only had account for 6 months and NEVER sent less than 102.04?

I am ready to get the Insurance Commish involved and BBB. They basically extorted over 200.oo bucks (had to be there within 3 days or would cancel. BUT if paid, they would back date coverage. I told them that sounds illegal. Several calls later, and 3 or 4 customer reps later and nothing is solved. I did pay the money, asked for printout. (did pay late fee couple of times even though wasn't late)and never received credit for that either.

What the heck is going on? I think they are taking atvantage of us older people.. and belive thay extorted money from me. Would appreciate any answers. When I pay 102.04 monthly no way can get over 2 months behind when only had Hartford for 6 months.

I recently moved two miles from my previous address. AARP not only raised my auto insurance premium, but they charged me $45.00 to process the change. I am 62 and have a clean driving record. I shopped around, and have found auto insurance for half the price of AARP with only one difference: My deductible is now $250 instead of $500 per incident.

I have recently moved and now paid 1/2 of a 6 month premium with another company and resent having to pay this company 10% of the balance of my premium for 6 moe monts.

There was no damage because I didn't take AARP/The Hartford at their word. My concern is that The Hartford is using their AARP connection to fleece elderly folks in situations like this. There is absolutely no reason (verified by a AARP/The Hardford agent) for such a drastic increase in premiums.

I had purchased auto insurance for myself and my mother through AARP over the phone with Hartford. The reduction in premium sounded too good to be true and it was. They cashed both of my checks for my homeowners and auto policities. I drove to washington state from california, for a two month period, driving my grandchildren around in my van. Imagine my surprise at the end of 90 days when I received a cancellation notice on the auto policy, in fact, they had never instated the policy, they just cashed the checks.

They advised I had not completed a form they sent. I had made a copy of the form in question and marked the date it was mailed. It took seven (7) letters to different Hartford offices and six (6) phone calls before I got a refund of both policities. I also wrote to two different AARP offices requesting assistance and called two different AARP numbers, requesting assistance. nothing was done. I believe the return of my monies was because I threatened to notify my local politicians and request their help. its a shame that AARP continues to tout Hartford as such a good deal.

Cancellation put me in a higher rate of insurance 1600.00/yr for low coverage. Also I they have the meanest adjusters I have ever talked to. I cannot continue going from $1000 to $1600.

On Aug. 24th I requested coverage for my new 2002 Loredo Cherokee Jeep. I received renewal policy for a 1984 Motor Home that I have traded in on my new Journey DL Winnebago. It is impossible for a elder citizen to get information from your office in connecitute after 300PM and on week ends

When my current policy was sent to me I rreceived insurance cards that ended on 3/03/05 instead if 3/03/06 and I was required to drive several days waiting for new insurance cards to arrive. I do not have access to FAX Machine.

I hope something can be done to get me new insurance cards for my 2002 Jeep and the policy for my sold 84 Motor Home cancelled.

My wife and i have had Auto & homeowners Insurance wit AARP The Hartford for several years and we were notified that we were being canceled because my daughter who was on the policy had her lic suspended. Which we did not know ourselves. When we notified the company that our daughter no longer lives with us and we wanted her removed from our policy they said OK and sent us the form to sign. We sent it back signned. We then received another letter saying we were canceled anyhow? When I called back Michelle told me to send proof of my daughters lic reinstatment and proof of address. I paid off my daughter's fines and the DMV restored her driving privileges,which I sent to your company and you still canceled my insurance? I do not feel that this is fair and called AARP who said they would look into this and get it solved and call back? No call. I need To know right away if I am reinstated!

I have been trying over two hours to contact the insurance for my car to ask a question How in the heck do you ask a machine a question. I am about ready to cancel next year because of this.

It is so frustrating. I simply want to know the answer to this question. Two weeks ago got emergency call from grand dau in Wisc. for help due to illness. She needed her mother and I to come. We got home yesterday and I had forgotten to send my $393.00 in for car insurance. It was put in the mail Yesterday, Sunday. It was overdue. I want to know If I can drive my car to store etc, and will I be covered?