American Access Casualty

My husband was parked in a legal parking spot on the side of the road and a drunk driver lost control and hit him in the rear. There is no question to who was at fault and why. His company is American Access. Our car was a total and my husband was lucky to be alive. This happened on November 18, 2011. We were offered half of what the car was worth. They said due to prior damage but there was no prior damage. It was from the tow company that had to tow the car. Both axles were broken and the car's undercarriage was sitting on the ground and they had to do what they could to get the car picked up to be lifted onto the flat bed. We threatened to file a complaint with the department of insurance and then they agreed to pay what the car was worth. This was on December 4th and they said they would mail us a check to replace the vehicle.

Keep in mind, we did not have collision insurance and this was our only vehicle. Christmas was coming up and we really needed a vehicle. We called American Access (Miss **) and she assured us the check was mailed and that it must be the post office that has the problem. We called every day several times a day and could not get a hold of anyone at this company. Of course, they all had Christmas holiday off so we were left with no car for Christmas and my husband is still in the hospital. We did not get the check until the 1st of January and it was post marked on the 29th of December. They are liars. This company should not be allowed to do business until they clean up their act. All these complaints will do nothing. They have been doing it for years. Just hope you never get in an accident with someone who is insured with this company. And for God's sake if you're insured with them or thinking of it, don't.

I was rear-ended on Sept. 17, 2011 by one of their (American Access) clients/insured. They asked for a copy of the HPD accident report. I sent them copies of what they asked for. American Access (Liliana) stated that they could only pay 80% of the repairs. I agreed with her. And she said their reimbursement check was in the mail. It has been three weeks, and I have not received any check from them. It sounds like I may need to hire a lawyer and go after this company. It shouldn't take three weeks to get a reimbursement check in the mail from Illinois.

I filed a claim on 8/23 for hail damage. I told them that I didn't notice the damage until then because the car is black and dirty. I have two cars and I don't have time to check the car that got damaged. They said that it took me too long to file the claim and that I only had 31 days from the date we had the hail storm. I even spoke to the manager but no luck. They said that it was company policy.

On August 20, my ex-wife got in an accident while driving my car which was insured with this wretched company. The accident was weather related and no tickets were issued. She contacted the insurance company first thing Monday morning and was told they were going to pick up the car and bring it to their body shop. That was the last time we ever heard from them. It has now been three weeks and 47 phone calls later. Not one person has contacted either me or my ex-wife.

Our insurance agent finally got a hold of someone today and was told that they are denying the claim based on the fact that my ex-wife was driving the car more often. This was a complete fabrication. She drove the car twice since I bought it. I noticed that they have no problem cashing my check, but returning a phone call is impossible. This by far, is the most unprofessional and shady operation I have ever had the pleasure of dealing with.

By the way, they still have my car and still have not contacted me. I switched to Progressive. I might have to pay more but at least, I won't have to deal with scam artists like this. I have retained a lawyer and do plan to sue due to the amount of time I have been without my car and the complete disregard for the terms of my policy. Not to mention, the 47 unanswered phone calls. Anyone even remotely considering doing business with these shady characters? Don't. You will surely regret it.

I am insured with this company. I should have listened to my mom when she said that cheaper is not always better. My daughter had an accident in my car. She received a ticket since it was her fault. That's why I pay insurance because accidents happen. I called to report the accident and got put on hold for so long. Then, I was finally asked to leave my name and number and was told that someone will call me back and that I would not lose my place in line

I received a called the next day. I filed a claim, and the adjuster was sent to the dealership where my car was, the next day. I never received a phone call from her. When I finally called her, she (Liliana **) was so rude. She acted like she could care less about my car. The only words she had for me was, "I told you I was waiting on approval." **? I pay you so my car should have been fixed the next day. It took nine days to get approval to fix my car. I guess if you work for trash, you are trash. American access has taught me a good lesson. I will be posting everywhere I can.

On 4-18-11, I had a minor accident where I had pulled into the parking lot of a convenience store and I thought my vehicle was in park but I felt it roll slightly and I accidently hit the gas instead of the brakes and I hit the exterior wall of the store causing a large dent/crack to the wall. My vehicle sustained only minor damage, broken turn signal light cover, a 1 inch crack in the front bumper and several tiny scratches. Due to the fact that I only had liability coverage, I purchased a new turn signal light because they don't sell the cover only. That part cost me approximately $45. I chose not to have the scratches or the crack repaired due to the cost of that repair which wasn't necessary to be done at that time.

A police report was completed and I didn't receive any traffic citations. After arriving at work immediately after the accident, I called American Access and reported the accident to them. I informed them at that time that there was already a dent in the same wall prior to the one I had created that someone else caused and the owner of the store never had that repaired. I wanted them to know this so that the store owner could not add that damage to this claim because that wasn't my responsibility. When I spoke to the insurance company 10 days after the accident, I was informed that the owner had not even filed a claim yet. I gave American Access a copy of the accident report that day as instructed by the reporting officer and the directions on the form. Last week I received a letter from American Access informing me that my policy would not be renewed as of 9/4/11 due to "unacceptable loss". I was very confused by this since I had submitted all my paperwork in 10 days as I was told to do to avoid having my license suspended, my insurance was paid and I was never informed about anything they paid on the claim.

I contacted them and after talking to 4 different employees of that company, I was informed by a woman named "Mary" in the underwriting dept. that my policy will be dropped because I had an accident and they had to make payment on a claim where I was at fault.

I had too much headache dealing with these ** and crooks. Their estimate was way to low, that with it, you can't fix a bicycle. Their labor rate is $26 (that was what they told me). In any body shop, labor is not under $70 and you can assume what quality of service you will get for $26. They will force you to use their shops or you can take estimate money and fix 10% of your car with it. I paid full price premium for 6 months. I checked with Progressive, they are more expensive just for $50 for the same full coverage insurance policy. They will send you to some lowest-grade body shops and they will make an estimate, even not looking at the car, and based on 3-4 pictures. Don't get this ** insurance. You will regret as I did. They are liars, crooks and rude. I am out of my nerves dealing with Maggy and Ketty, possibly the only employees there. I am wondering who let these crooks run any kind of business?

I was recently in an car accident by an insurer's car, who was being driven by someone whose was not insured by American Access Casualty Company. When I called in the claim, I was treated with a bit of respect. Once days had gone by and I contacted the office to request an update on my claim. The claims department representative Ms. ** informed me that American Access Casualty Company was not responsible for the damages of my car and they refuse to pay. So I am currently seeking legal assistance, the BBB, to file a complaint. I also contacted IL Department of Financial and Professional Regulations of Insurance and a local news station.

Had this company for ten years. Someone hit me and I contacted them to let them know and they told me it was my responsibility to sort it out with the other guy's insurance. So much for paying full cover for all this time! Wasted time, I am now having to take on state farm since my my insurer, American Access won't help.

This is an auto insurance that refuses to pay for the insured damages. I was hit by a person that was insured by their company. He was at fault and also did not have a license. Their company offered me $292.00 for $1400.00 damages. This is unacceptable. I was informed that their labor rates are $26.00 an hour.

Pray you are never in a accident with someone insured by American Access. I was rear-ended by their insurance while sitting at a red light. He got the ticket and conviction in court. I sustained $1800 in damage per my 2 independent estimates, and their adjuster never showed up to their shady auto-body shop for their estimate. Then they offered me $500. Insane, the bumper alone was that much.

My vehicle was rear ended by a driver on 12/5/2009. His insurance company dismissed my body work estimated and only wants to pay me a third of what it cost. My back is still in pain and my car has yet to be fixed.

I got into a car accident December, 2008 and ''American Access Casualty Co.'' was my insurance company at the time. They told me to take my car over to Grand Av. & collision to get it fixed. The car should have been totaled out, but they insisted on fixing it. When I got it back (2-1/2 to 3 months later), I looked around the car and it seemed to be okay so I took the car home. About 3 weeks later, I popped the hood to check my oil level and I noticed that there was a twisty tie on the latch that closes the hood. I thought that was unusual, but I just took it off and went about finishing checking my oil. So when I was finished, I tried to close my hood and it would not close because when they fixed the car, the hood did not line up with the latch on the bottom. So I put two bungee cords from the hood to the bottom of the car to keep the hood from flying up.

And when I got near my house, one of the bungee cords came loose and the hood flew up and smashed my windshield. I called American Access and they said I had to make a police report, which by the way in IL law is not true, so I did. They told me to bring my car back to Grand Av. & collision so I did. They kept my car another 3 months and said they had an adjuster come out there that supposedly said they were not responsible for the damage. I went to go get my car right away and they took my tires and switched them.

They loosened a bunch of screws on my doors, and took a bunch of little parts out of the inside of my car. So as of this date, February 2010, I have been without a car for 2 years that is sitting in the parking lot of my apartment complex that can not be driven. And my car has gotten towed 2 times in the last two years because my apartment complex thought it was an abandoned car because it has not been used and just those two tows alone have cost me over 3,000 dollars

On 05-04-2009, my girlfriend was driving my car and was hit by an unlicensed driver. The police department determined it was the other driver's fault, and she received multiple citations. No citation was given to my girlfriend, as she had right of way. My vehicle was totaled out. Their insurance company was appraising my car as a Pontiac SE, not a Pontiac GTP. A Pontiac GTP is $4000.00 (only 4 on ad in the entire US). They are also claiming the accident is 25% our fault, claiming my girlfriend didn't keep proper lookout and should have stopped when their insured pulled in front of her.

I made a complaint with the Nevada insurance commission, and they contacted them. But the insurance company is sticking to their CCC value of $1484.79. Marty at the insurance commission told me that even though the commission agreed with what I'm asking for and that it follows Nevada laws that the insurance company has violations, the commission can't enforce it. I would need to sue the company in court.

I was involved in a accident in March 2006. By May 2006 my car still hadn't been fixed. I ended up paying 73% of the cost of repairs and I had full coverage. But that's all fine. My complaint is that my car is still not fixed....I recently took my car to another repair shop and they told me that they will have nothing to do with my car, because they don't want to be held responsible for the damage. I've found out that the initial appraisal didn't have all the repairs needed listed. I have be driving with a cracked transmission casing, a broken motor mount and only God knows what else.

On 06/06/06 we filed a claim with American Access Casualty Company, 1S450 Summit Ave., Suite 230, Oak Brook Terrace, IL, 60181, following an accident with Armando Vasquez on 05/19/06. We filled in the required by the company form and submitted the requested paperwork. An estimate in determined by American Access collision center Impac Collision was done on 06/19/06.

Recently we received an offer from American Access Casualty Company stating that an estimate to repair our vehicle has been prepared in the amount of $2,298.33. However, there was no copy of the estimate enclosed.

In their offer American Access are stating that they will pay 80% of the cost to repair ($1,838.67) because they are placing negligence on the driver of our vehicle due to a sudden stop.

We strongly disagree with this statement. The police report is clearly stating that Armando Vasquez was the driver in fault who was following too closely and failed to reduce speed to avoid crash. According to his own statement on the scene, Mr. Vasquez looked away for a moment just before the crash. Therefore, the 20% ($460) should not be deducted from the amount for our vehicle repair.

We would also like to be compensated for the sales taxes well have to pay when our vehicle is repaired ($230) and for rent a car while its in the service shop ($625 for 2 weeks). We would ask for your help to receive from AAC a check for $3,154

or written authorization for car repair and rent a car expenses in order to resolve the problem.

We are driving a damaged car for almost 3 months and are definitely concerned with the safety of our family and the risk of further damages that may occur as a result.

We would like to mention the impoliteness, ignorance and slow reaction of the staff of American Access Casualty Company, which makes communication with them very difficult.