
K. of Saint Louis, MO on Dec. 3, 2010
I began doing business with The Hartford for my auto insurance in 2008. The first vehicle I insured with them, was a 2004 Crown Victoria LX. My premium for a year was $864.00 for full coverage, with no comp/collision deductibles. I insured several vehicles thereafter with them, all were reasonable premiums.
I moved from the town I lived in, and into a very nice suburb of St Louis, and my premiums went up nearly 50% on the spot. I accepted that (which I should not have), and went on doing business with The Hartford. I had a near miss accident with another vehicle back in January, 2010. In this case, I was driving my F-150 down a roadway in St Louis when another driver ran a red light. It was slick out, so I had 1600 lbs of sand in the bed of my truck for traction.
So, instead of hitting the other driver, and likely injuring them, I slammed on my brakes, sending the 1600 lbs of sand slamming into the front of the bed of my truck, bending the bed. So, I called The Hartford (I had full coverage on this F-150). They sent a claims adjuster out, and I had a check in a few days to fix my truck. My policy just expired, and renewed, effective 01/05/11.
I got a Declaration Page in the mail, showing my policy premium for one year, on a 2005 Base Model Crown Victoria (yes, one car only on the policy), for a mere $2558.71! My insurance went up nearly 300 percent, and all due to my moving into a very prestigious suburb of St Louis, and the fact that The Hartford states I had a collision claim, for nearly $2000 back in January.
The cheapest home in my subdivision just sold for $349,550. So, I do not live in a "ghetto hood neighborhood." And I have not had a moving violation since 1997 and, I've never ever filed a claim on any policy prior to this. My attorney stated that The Hartford should not have treated my incident in January as a collision claim, but as a comprehensive claim. After all, I did save someone from probable serious injury, in that incident, and only lightly damaged my vehicle. I have since changed to another insurance company, where my policy is a reasonable $1338.28 per year, and believe it or not--- that is full coverage on two (yes, two) vehicles! I would never recommend The Hartford to anyone, and I'm very sorry I ever sent them as much as a dime of my money.