AARP Auto Insurance Program from The Hartford Reviews

No, instead they waited till I commit to the policy, and only after that do they send me a booklet along with the policy, stating there is a penalty for canceling the policy early. Only it's not labeled what it actually is; it's labeled "an administrative" fee. What kind of crap is that? Call it what it is; it's a penalty. I am being punished for finding less expensive insurance elsewhere and canceling with The Hartford. Had I been verbally warned before I committed to the policy, I would have found a new auto insurance provider... An honest one!

I called The Hartford to notify them I was cancelling my policy, because I found less expensive coverage through another provider and asked them if they could stop the automatic withdrawal that was going to take place the following day. Because it was such short notice, they stated they could not. I understood. They told me the charge would come out and a refund check would be issued about a week or so later. The money withdrawn from my checking account was $116 and some cents, and the joke of a reimbursement check they sent was $11.24, because they not only "penalized" for cancelling the policy early but they also charged a 10% fee for God knows what!

When I called to complain about the $11.24 check and to ask where the rest of my money is, I was so livid. I didn't even pay attention to whatever the heck they labeled the 10% fee. I am beyond words right now. I am so upset! I am a single mother with no financial help whatsoever from my ex-husband or the state for that matter. I work hard to support my son and my self, so I don't have to be a leech to "the system." I am an honest, reliable, and responsible person; and I'm a darn good citizen. I help others, not take advantage of them. I do not deserve such abuse! Now, my rent is due in a week and a half, and I will be short. Thanks to the Hartford's "always thinking ahead"!

I called the new insurance and they 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 no feelings for their customer base and they seem to take pride in taking advantage of the elderly.

State Farm has told us their underwriters say the same thing. They won't insure us. We have also checked with the insurance company in Manitowoc and they too are inquiring into this. I cannot believe that because we honestly put down that he is a courier for the Credit Union, that we cannot get insurance. Hartford has given us no alternatives. They will not even look into it. What are we to do? This cannot be a lone incident. I am sure there are other courier or delivery people out there. We asked the gentleman, who worked there before Milt, and he said he told the insurance company that he just worked at the Credit Union and never said he was a courier.

So in my opinion, we should call an insurance company to get a quote and fabricate his title at work. This irritates me no end. But to date, we received a letter from Hartford saying no insurance coverage on his vehicle. Any comments or what other options do we have?

I did notate on the application that I would not authorize a credit/consumer report even though my credit is impeccable. So is my MV record and I feel it is discriminatory to base one's 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. You know how they say, "This conversation will be recorded?" Can you say lawsuit?

My premiums will now be an additional $584 per year ($48.65 per month) as a result of the incident in question. The Hartford is now requiring me to pay for an extremely poor decision made by one of their insurance investigators. If the Hartford chooses to pay fraudulent claims, that is certainly their prerogative. It is immensely unfair that I must pay for this ineptitude.

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 am also writing a complaint to the Insurance Commission in my State of Florida.

How can an insurance company cancel your insurance without giving you notice that they are going to do so before they do it? Must not be illegal or they wouldn't, but it should be. What if I had had a wreck on 4/17/09 and had no idea that I wasn't covered? They accepted my renewal payment of $60.70 because it cleared my bank on 4/1/09. If they wanted to cancel me, why did they accept my renewal payment? How do I know if I should be reimbursed for part of the renewal payment since my policy was not renewed? I would like to file a complaint with any entity that I can complain to for being done this way by an insurance company. Any help with this matter or info on who else I could complain to about this would be appreciated. Thank you.

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, and 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, and 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 insurance 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?

I think Hartford is overcharging and taking advantage of people who insure only one vehicle, and they get away with it because nobody has challenged them. For us, we've been paying the excessive premiums for 4 years, which is probably about $2,000 more than what the insurance would have been with another company.

I found and changed in Jan. 2009, automatic draft from my checking account. I talked constantly to both parties for a smooth changeover. I could not afford two drafts taken out of my account the same month. Well, Hartford never told me I would get a penalty for changing over unless on my renewal date in April, so they say I owe them $164. For now, they have got collections involved. I am trying to get by on Social Security disability. For an insurance company to be in partners with AARP, I have gotten the shaft from both AARP and Hartford. They don’t care. AARP, well that's another story. Medicare RX owes me about 50 bucks from overpayment. I called them and they said they don’t reimburse. Do not be fooled by Hartford or AARP when you get older.

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 guarantee that anyone 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 understood the plight of using too much paper and the degree of work to send it out but thought it was unfair to receive this recurring charge. Felt like I was being penalized for those that are late. I called the corporate office and got a lady named Sharon ** who listened to my concern and said she'd levy my complaint to a higher authority. But with Corporate I'm not always comfortable any longer. When speaking on the phone, one can honestly hear someone's sincerity. She was concerned but I must say seemed busy and somewhat annoyed and wanted to move on.

The first young lady Janice pretty much confirmed that unless I paid the bill again on the 8th of every month when the billing came out, that I would receive the four-dollar charge even though I don't have to pay my bill until the 25th of every month.

"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, interestingly enough, has been correctly listed on both my Experian and Equifax reports for years) is missing on my Trans Union report.

Conveniently for them in this case, The Hartford tells me they only use Trans Union credit reporting to establish their rates. I have contacted Trans Union staff to get that information corrected but must wait to confirm if they actually do it, not to mention if they will provide a copy of the corrected report and personal credit score information to me and The Hartford in a timely fashion. Still, I can't help but feel suspect as to why Trans Union was the only reporting agency that neglected to include the very data that is utilized to determine better insurance rates for the consumer.

Additionally, even before any corrections are made, the personal credit score I paid to receive directly from Trans Union is 51 points higher than one verbally told to me one day earlier by The Hartford rep....what? Although these are not huge legal issues from a lawyer's point of view, they certainly smack of dishonesty on the part of established institutions that affect huge numbers of Americans.

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.

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 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.

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 has already cost me time, money and embarrassment in the form of my vehicle been impounded, summons and harassments.

Let me tell you a little about me. I'm 66 years old and a retired musician residing in Las Vegas, NV. My driving record for the past 25 years is beyond excellent and my wife of 47 years and I haven't had an accident as long as I can remember. I had this new insurance for one year and the policy is coming up for renewal in March 2009. I received a letter from the Hartford Insurance Company telling me my rates were going to go up as a result of the information we obtained during your policy review?.

I immediately called the 1-800 number provided on the letter to see why they had raised my rates. The woman 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 didn't 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 didn't 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 then went to both vehicles and pulled out the registration from the past two years that had the mileage on it plus a couple of oil changes to boot. I also gave her the exact mileage on both vehicles as of now.

She said she would see if it could be processed and thought it would as I am retired and don't put a lot of mileage on either car. She told me to hold again. This time, I held for almost ten minutes. She finally came back on and said she had some great news for me. The mileage was accepted and the rates were not going to be raised for that reason. I then asked her how much would the policy be for the upcoming year. Last year, it was around Eleven Hundred dollars. She said the new rate would be over Eighteen Hundred Dollars. I asked her why the dramatic increase and she said this was because of the moving violation in 2006. By this time, I was at my wits' end. She changed her story twice. I told her this was totally unacceptable and I would not be renewing my policy with this company. Something smells.

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 Hartford is higher than what I was paying two years ago.

I'm going to send this letter to every newspaper, insurance commission of Nevada, and every AARP representative to make them aware of this rip off. I've worked for 45 years here in Las Vegas and this scam is typical and it's 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 thieves.

Thanks for the recommendation. I'm 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!

After five months of dancing around phone tag and other delays, they pretended that I was failing to return their calls (the truth was the exact reverse) and continued an adversarial relationship implying that I had either not performed work for them (for no pay) or properly followed their instructions. I informed them numerous times that I did not work for them and threatened legal action. They were silent. I filed suit in small claims court for $5000. I was contacted by the snottiest lawyer I have ever met, went to court and lost because he produced paperwork purporting to show the aforementioned allegation that the car did not belong to the drunk's mother. More delay and artificial obfuscation occurred, the lawyer playing games and wasting my time. I asked my son for help and he secured the final payment without legal assistance.

In short, the Hartford dealt with a company called CCC which was reputed to low-ball estimates so the Hartford would save money. CCC had just settled a class action suit for just such an accusation and The Hartford rang most complaint bells on the Internet.

I was going to insure on Monday, 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, nonetheless 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 I 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 couldn't 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. A disgruntled Consumer, how dare they charge me a penalty when tried to insure with them on newer vehicle.

When I asked them if they would please waive the 10% administrative fee they charge you to cancel your policy, considering all of the problems that I've had I was informed it was against company policy. Where is this administrative fee going? Obviously no one is actually doing any work there. I feel like I should have just cashed the stupid check. I would not under any circumstances recommend this company to anyone. The coverage sucks and it's way too expensive for what you have to put up with.

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.

The claim rep stated my dad had his headlights on and should have seen the vehicle and because my dad rear-ended 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.

The problem was that we had changed banks from Wells Fargo to Navy federal credit in Aug 08. The Wells Fargo acct we had automatic withdraw to Hartford Ins. When we changed banks, we made out all of our bill thru bill pay at Navy Federal. This included payment to Hartford Ins for Aug, Sept, Oct, Nov. Hartford Ins had been attempting to withdraw the funds from the closed Wells Fargo acct. They would not reinstate us even though we had been paying on the acct all this time and never lapsed in payments.

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 their own 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 considerably 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 4 cyl 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.

They knew my credit rating when they accepted my application last year--yet they misrepresented themselves by giving me a low rate the first year, then doubling it the next! This causes economic hardship for me, as I am struggling in this shaky economy, and I can't afford this 100% increase! What can I do to protest?

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.

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 mentioned this clause to them, they indicated that if I had read my entire policy, I would have found the page where it said, Definitions: A new car is one that had no more than 150 miles at the time of purchase.....mine had 300 because it was driven from a dealership out of state. Just another way the Big Boys try to swash us like bugs.

I am barely getting enough money to purchase a lesser vehicle that is a year old.

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 ?

The girl in the turning vehicle did not succeed. After crossing those first three lanes and then turning right in front of my wife, there was no way to avoid a collision. That was exactly what both the city police and witness statements concluded (the witness directly behind my wife was an Idaho Fish and Game Conservation Officer). The girl was issued a citation for an improper left-turn and failure to yield the right-of-way. She was a student at a local college and her insurance, through her parents, was The Hartford Auto Insurance. Enter The Hartford claims rep Troy M.

Our van was inspected at our home by a representative of Hartford for a damage estimate. I submitted a repair estimate from a local auto body repair shop which totaled $3,379.38 (an October, 2007 estimate; definitely higher at the present time). There was also the matter of approximately $1450 in medical expenses incurred because of the accident. SOMEHOW, Troy M. determined the accident was 20% MY WIFE'S FAULT! Consequently he issued two checks; one for vehicle repair which was about $800 less than needed for 100% repair at the body shop of my choice, and the other for $160 which was for 10 days of vehicle rental at $20 a day, minus 20%. There was no mention at this time for anything medical. The major vehicle damage included the front bumper and grill; and the entire right front fender which includes the headlight, side panel light, and the right turn signal.

I found the right turn signal light socket, placed a new bulb into it, and used plastic ties to secure it the hole where the headlight assembly used to be. With this I have a totally operational right turn signal. On the right hand side of the lower part of the front bumper there is a small built-in circular lamp which illuminates the road surface in front of the vehicle. I loosened this and tilted it upward to act as miniature headlight and so far when I have had to drive anywhere local at night I have not been stopped by any law enforcement vehicle. But I cannot take an overnight trip anywhere. I have a local attorney who is in contact with Troy M., but he is not getting anywhere.

In fact, the last time we spoke with M. last fall before we consulted an attorney, he flatly told us we could try to go to trial and win a judgment in our favor, but he and The Hartford Insurance Company were too big and we could never win. We would just be wasting our time and money. He was assuming we would just give up and take his offer. You know what they say when you assume something. it has been 10 months. I would appreciate any advice or help in resolving this entire fiasco.

A week later an adjuster called and said the car could be fixed, not totalled as the computer had designated. He agreed to have the car brought back to my hometown to be fixed. His boss called later and said they didn't want to bring the car back but would have it fixed in Denver. I reminded him that according to my policy it is my choice. He unhappily agreed to have the car hauled back. An hour later he called again and offered to buy me out. Thankfully I got the offer in writing via fax. Two weeks later the person who was to cut the check called, only the price he quoted was two thouand less than the offer. He all but called me a liar when I told him the real offer, until I told him I would be happy to fax him the quote that had been faxed to me in writing. t took over a month and numerous phone calls to rude and uncaring customer service people before the claim was settled.

As a 54 year old Human Resources professional, I deal with stressful issues all day long but have to say that by the time my claim was settled, I was pretty damned fed up! But it didn't end there. When I purchased a new vehicle, I was told that the wrecked car was still on the policy, and that I was to have called to have it removed. The claims handler does not do that. As per my call, the premium for the wrecked car would be backdated and deleted. But lo and behold, I get the endorsement and the wrecked car is still on the policy and I am being billed for coverage. I call again and am assured it will be taken care of, and that I will be refunded the two months premium I'd already paid on the wrecked car. Then another bill, the car is still on it. No mention of a refund. All three premium amounts have been different, the one over the phone, the first endorsement bill, and then the next. And each one higher than the previous. Enough I say, cancel the policy and go with a certified agent here in town.

I got a letter in the mail today from Hartford. Yes, they are charging me a 10% cancellation fee. Well worth every penny to be done with such an incompetent organization. Bottom line, stay away from insurance companies that only offer 800 number service. With any claim, write down who you talk to and when, and get whatever you can in writing.

As for AARP, as long as they endorse a company that writes policies without the resources to back them up, I will not belong to that organization. Thankfully I was young and savvy enough to jump through all the hoops and FINALLY get my money. Thankfully this did not happen to my mother. I can only imagine how hard it would have been for her. To me, ripping off the elderly is the ultimate low blow. Shame on you Hartford! Wake up AARP, do a complete audit of what is really going on with the company that you are endorsing.

I contacted AARP by e-mail and dealt with a lady by the name of Sheila Brown--Member Relations, as it was on the recommendation of AARP that I took the policy out in the first place. She contacted the above Carolyn Taylor--Consumer Affairs for the Hartford, who told Ms. Brown that the fee was legal, and that it was State Specific--in other words-- only charged in certain states, and that it was disclosed in the policy book, in the back, under the heading Termination---Other Termination Provisions. I have read, re-read and re-read again the information under this heading as well as the entire policy (in both my Ohio policy as well as the one I took out in Tennessee) and no where does it disclose, hint or otherwise intimate anywhere their policy of charging this fee. I e-mailed Ms. Brown again and informed her of this--as she represents AARP's Consumer Affairs, and AARP is the organisation that recommends The Hartford to all of it's millions of mostly elderly members. She stated that there was nothing more that she could do, that the Hartford insists they do disclose this fee and that they were sticking to their policies and that was basically the end of the matter.

I have since received 2 letters from The Hartford explaining that the charge is an administrative fee to cover the cost of processing the cancellation of my policy. My premiums went up when I moved to Tennessee from Ohio, and yet this fee is not charged in Ohio! I wonder why?These administrative expenses only have to be paid for in certain states and not others?! I have the original policy booklet with all their disclosures in it, and intend to hang on to it as I have NO intention of paying a non-disclosed fee, and this is the only proof I have of their non-disclosure.

I realize this is not a huge ammount of money for one individual---but when I think of how many millions of people who have their insurance through the Hartford, based on the recommendation of an organization like AARP, then we could be talking about millions of dollars worth of fees collected that were not disclosed, also many folk--especially those who are getting on in years, will most likely not say or do anything about the matter

I know they will charge me the fee and they also said they will not itemize my final bill, but that if I call them-they will break it down for me verbally---I have spent hours going over this with both the Hartford, AARP and now your organization. I feel that if the Hartford wants to charge such a fee---they need to disclose---if not---don't charge. Us older people need to be protected from sneaky companies who try to takes us for what little we have. It is WRONG! Also, AARP needs to check a little better into the companies they recommend

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.

Now they say I have traffic violations against me which I do not. They have my nave spelled wrong on the letter as well as my address is wrong and they had that wrong when I took out this policy and they told me they have it straightened out and on my insurance cards it iw changed but not in the company records and I would like an answer to this mail to see what is going on and how much my rated will go up for a small claim like I had. Do they treat all their customers like this that go to them in good faith.

I filed a complaint with the

State of Nevada Insurance commission in regards to the treatment Hartford is giving me and I am one customer who will never do business with this company again. AARP ought to be ashamed of recommending them to Seniors as you can do much better with other agencies. I still await my refund.

I called The Hartford on 5/20/2008 to cancel the policy and faq'ed them a cancelation letter. I found insurance through AAA Auto club south for $1500, the same insurance The Hartford want to charge me $2800 for. I thought this expericence was over.

I received a bill in the mail today, 7/7/08, for $166 for the 3 days of insurance I was with The Hartford. I called to inquire why it was so high and was told that there was a cancelation fee accessed?! I never received an amount back from The Hartford from my NH policy, which still had a month or 2 of coverage on it. The bill I received has no detail about a cancelation fee and only states that it is for the 3 days of coverage, 5/17/08 to 5/20/2008. Is this right? What really gets me upset is that The Hartford is an AARP sponsored program for people over 50 and it seems to me that they are ripping the Florida population off.

The Dealer refused to cover this under Warranty stating that they only cover defective parts, not damaged. They said that I would need to put this damage through my insurance company under Comprehensive, as their theory was it was vandalized. I put a claim into the AARP recommended Hartford Insurance Company and explained these rather bizarre events. An adjuster came out and was also at a loss as to how the damage could have occurred without any other damage to the car. The next thing we know, we get notification from The Hartford that they consider this claim to be collision. I am dumbfounded by this outcome and attempt to call the rep, David Searles. I now have 4 calls into Mr. Searles and have not had a return phone call.

I then decided to talk to any rep and got Rinaldo. He proceeded to tell me that we reported this as a hit and run. I told him that I did not report the damage as a hit and run and the conversation went downhill from there to where I requested to speak with a supervisor. Rinaldo refused to transfer me to a supervisor unless I gave a reason I wanted to speak w/a supervisor and insisted that he could help me. I restated my request to him 3-4 times until Rinaldo told me he would just wait on the line with me until I gave him a reason I wanted to be transferred to a supervisor. I hung up the phone and called back. I got a nice receptionist who transferred me to a supervisor, Elizabeth Mullins, unfortunately, she was not in today.

I do strongly believe that the damage to our car was done before we ever took delivery (we purchased it new). The events that would have had to take place for the damage to occur border on supernatural. An object would have had to come up from the ground at a precise 45 degree angle and strike the radiator w/out damaging, in the slightest way, any other part of the car. Those sound like huge odds to me. The deductible on my Collision is $500.00 and the claim will go against us as an accident. Under comprehensive, we have 0 deductible and it would not be counted against us. Is there anything you can do to help us.

Quite a difference.

higher dollar amount for insurance and refusal to adhere with credit reporting act to provide me with a copy to correct any inaccuracies. i am unable to correct any inaccuracies

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.

When renewal time came, they mailed my bill on the due date. It was several hundred dollars higher, with no claims against the policy at all. I of course went to another reputable insurance company. Upon my notifing Hartford I was canceling they informed me they were charging me $200.cancelation fee, do the the fact I did not cancel 10 days prior to the due date. They do not mail out the bills until the due date so how can anyone cancel prior to it. Of course they claim they mailed out the bill a month in advance and the post office must have lost it. This is standard hartford policy, sanctioned by AARP, they claim. In my opinion, this amounts to theft.

I called and filed a complaint on 5/8/08 and was told someone would get back to me within 48 hours. Six days later I called again. I was told they could not help me to resolve this, I owe the fee!!! EVERYONE --((RUN)) FROM HARTFORD AND AARP Some attorney needs to file a class action lawsuit. I will join it.

We were, for our renewal, assessed with a doubling of our rates for the one accident despite no history of chargable accidents for years, no traffic violations in over 35 years, or even parking tickets (on My part) for 35yrs, or ever for Robert since he started driving at 16 (now 52); nor has he ever had a traffic ticket. Despite the fact, we did not even claim our damages (due to high deductible, our only income Social Security). Our reputation/credit is being ruined because of 'The Hartford'; additionally, because of our only income of Social Security we are faced with discontinuing our other coverage/than liability. We did not even claim our damage (although covered) because we could not afford the deductible of $500.

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.

I called and complained and was caught in a catch 22. The Hartford claim handler said she could not change the claim repair cost and I had to call the adjuster and he said I had to call the handler, but he would get back to me in a few days and this was on January 11 2008 and have not heard from him since. The adjuster said in order to increase the repair cost they wound need to give me the blue book value of the trailer and when this was done I would end up with less then the original estimate. Here is the problem, I have a 30-year-old vintage Airstream travel trailer in very good condition with plans to keep using it until it can no longer travel. I contacted the Airstream dealer and he told me I am being low balled as he had sold two vintage Airstreams with in the last 6 months for more then twice the blue book value.

Minor scratching of street side of trailer. Dealer for repair est. $6287.84, Agent for repair est. $2968.42.

The discrepancy in premium cost is $110.00

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.

A week had passed, and I called back to see if they had talked to their insured driver. They told me now they were not sure if the driver who hit me was covered in this policy (a flat out lie) but they needed a few more days to verify. So I gave them a few more days, called back, and now they transferred my claim to someone else. This new person verified that the other party was in fact insured by the Hartford and had actually talked to him on Dec 20th and got his statement. (So every thing the first guy had told me was not true--seemed a ploy to jerk me around so maybe I would quit pursuing my claim.) The other guy's statement according to the Hartford, contradicts mine.

My accident took place in a gas station parking lot so supposedly they were waiting on the videotape so they could check it to see what happened. I said fine--when would they be getting that video tape? They had no answer. So I took it upon myself to get the video tape. I called the gas station, and they said they were contacted on Dec 20th about obtaining footage of the video tape, but they never heard back from the Hartford to obtain it. They explained to me that after a few weeks they don't keep filmed tape. They also said they would not be releasing any tape to the Hartford; they had missed their window of time. At this point my car is still smashed (at least $3500 worth of damage), and Hartford has no intention of paying a dime. I do have pictures of the accident in my camera phone.

I am out of a vehicle to get to and from work. I have missed attorney appointments and opportunities to pick up my daughter to spend time with her. Everyday life activities are now a hassle because I have to obtain rides.

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

My truck is not fixed, and the accident was a month ago.

I would advise anybody dealing with this company to document and verify all business. This is not a trustworthy company.

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.

This information security breach has caused me to worry heavily about my identity. Putting a fraud alert on my credit bureaus would also cause undue hardship for my situation. This billion-dollar company should be held financially responsible.

I have paid The Hartford for auto insurance for the past 10 years and now they will not honor this policy.

Rental automobile was totaled. My son has neck injuries, his girlfriend underwent brain surgery and will never be 100% recovered, three grandchildren underwent x-rays.

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.

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.

My car got stolen on December 3, 2005 and it's been 4 months and still no answer. I feel that as many years as I had business with this company and I paid insurance for my vehicle, that I am getting treated this way by them. I have no car, I have to car pool to work, and still no answer from them.

I have to car pool with a co-worker to work, for my normal life activities, I have to borrow cars to get around.

I had to pay for repairs out of my own pocket and I think the idea was that I would go away and claim on my own collision insurance because I had an expensive car. However I have no collision insurance and will now sue the whole bunch.

Now The Hartford is treating me like the criminal in the situation. I have tried to call them on NUMEROUS occasions but constantly get a voicemail greeting. I have yet to have an actual conversation with anyone at the Hartford.

I have hired an attorney and he seems to be pretty worthless himself but nonetheless I'm about to be out of money and lose my house, car, etc.

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.

She also had a banking account with a 10,000 accidental death policy through hartford. I have send paperwork in to both policies to the same company. No one has contacted me or told me anything. Her funeral was very expensive and reduced the amount of funds she had in her estate to pay for her taxes, outstanding bills, utilities, etc... She had those policies for a reason, to make sure her business would be taken care of and that those bills from her funeral would be cared for as she had no burial policy, etc.

You would think as much money as insurance companies make that these smaller claims would be like pennies to them and they would at least contact the people instead of just ignoring them.

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?

I contacted the organization who made the evaluation of the value of this car, Valuescope. The representative told me that they depended on Hartford to describe the condition of the car. I recontacted the claims representative at Hartford and was told I paid too much for this car. She has maintained that position despite my sending her a number of ads for similar cars which substantiate that the price I paid was fair retail value.

The settlement of my claim leaves me with a loss of $1,395. This includes a downward adjustment for the sales tax which reflects their valuation of my stolen car. I am also legitimately out another $500 because I had a deductible.

They informed me that my savings would be $4.00, which I immediately questioned, and was informed that the rate is calculated on the base rate insurance for only my primary vehicle, and not my policy premium. None of this was told to me at the time that I bought the insurance policy, nor is it included with any of the information I received from AARP. None of this was told to me when I signed up and took the class.

The result is that I spent $10 for the class; spent $5 for gasoline to go to the class; took an entire day away from pursuits that would have made money for me. For this, they are going to reduce my insurance by $4.00? Just the $15 in expenses will not be recovered in the time period that this certificate is valid (3 years). Such miniscule amounts of money may not be worth protesting, but I think it points at a much broader problem, and it may just be the mighty insurance companies in general, of which I've had, and heard nothing but horror stories for the past 30 years.