AIG Auto Insurance Reviews
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About AIG Auto Insurance
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AIG offers high-end auto insurance policies that cover luxury vehicles and/or several vehicles at once. The company specializes in serving individuals with a high net worth, including about half of the Fortune 400 list. It’s a large company with many assets and resources, but its policies are fairly expensive for the average driver.
- Covers multiple vehicles
- For luxury cars and other auto types
- Comprehensive website
- Rates are higher than average
- Primarily for high-end cars
AIG Auto Insurance Reviews
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Reviewed July 26, 2009
Our recent experience with AIG Insurance mirrors many of the complaints found on this site. For a brief time, my stepson had insurance with AIG. I helped him obtain that policy when he received a car as a gift from his brother-in-law, as I was insured with AIG at the time. It should be noted that this stepson is over 21 (on his own), and not under my roof. From the get-go, it was problematic. I paid the first premiums on my debit card, and gave them his address for future billings. They continued to charge my card, even after being notified that they were not permitted to do so. In disgust with AIG, 60 days later, my stepson obtained a new and cheaper policy with State Farm. AIG was notified that new insurance had been obtained, and given a cancellation notice. In fact, there were a few days overlap.
AIG attempted to collect from my bank account after cancellation. After spending an hour on the phone with customer no-service, it appeared that the problem was resolved. After that incident, I, too ,decided to find a different insurance carrier, and canceled AIG . This past month, he received a notice from Vital Recovery Services claiming he owed them $171.19. He called them on the number given in the notice. After calling their toll free number and talking with one of their representatives at Vital Recovery Services (and getting nowhere), he found himself forced to respond by certified registered letter. He notified them that they were attempting to collect a debt that is not legitimate. He made clear that AIG insurance is incorrect in their claim that any monies are owed.
It needs to be clear that at the time of his cancellation with AIG, all premiums were current. It appears that AIG continued to bill for a canceled policy, though they were properly notified. I can assure you that dealing with AIG's customer service was a dreadful experience. Therefore, as required by the Fair Credit Reporting Act (FCRA), he notified them in writing that this debt is disputed, as he attempted to first do in his first call to Vital Recovery Services. As far as I'm concerned, the truth is simple. This debt is not valid, and, therefore, is a fraudulent attempt to collect money not owed. Under FCRA, he requested that his legal rights be adhered to by both your Vital Recovery Services and AIG.
My stepson demanded that this not be reported to any credit bureaus without including his notice of dispute. He also reminded them since they have been now notified of this error in writing, they may not continue to report the information until this matter is fully resolved. We will see if any of this works. I remain convinced that this is a willful violation of the Fair Credit Reporting Act, and will probably have to engage the services of an attorney. Sections 616 and 617 of the federal "Fair Credit Reporting Act" permit people to sue for "Willful Noncompliance" or "Negligent Noncompliance" of the FCRA. In addition, he will also report it to the Federal Trade Commission.
It is simply not right that people should be forced to pay for AIG's mistakes by what appears to be an in-house debt collection agency. They must be stopped from running over consumers! In light of last year's bailout of AIG (to the tune of billions of federal taxpayer dollars), one almost has to wonder if AIG's horrid customer service was partly to blame for their self-inflicted demise.
Reviewed July 3, 2009
Injured in a wreck with a semi, on disability for life, AIG offers me $6,500. Unemployed for almost 4 years, mental and physical impairment was working before this accident. This caused approximately $25,000 to $30,000 in damage, not including the wages lost for almost 4 years of unemployment, traveling to doctors' offices, pain, suffering, and mental anguish. Even my lawyer couldn't take it, I owe him 35 percent of all my money and now I am considering hiring another lawyer. Their total profit will be approximately 70 percent, leaving me with nothing for future care, surgery, medication, etc.
Reviewed June 18, 2009
I paid AIG for insurance on my apartment for the first time with a credit card. A year later, they automatically billed my credit card for the renewal, although I never gave them permission to bill me automatically. I distinctly remember the short simple call, asking to pay them, providing my credit card for payment and then getting a confirmation number and saying goodbye. I called them right away and asked them to take me off of auto billing, which they said they would. Of course, now a year later, they billed me once again this time, taking me over my limit on my credit card and I have already notified them half a year ago that I moved out of that apartment. I called them to tell them, once again, they billed me without permission. They said I had to cancel and request a credit via email.
I did that today, so I'm just waiting to see if I'll actually get any follow through this time. I work for American Express and I see dispute after dispute everyday with merchants who were given a card number and then months or years later, make another unauthorized charge on it. Merchants who can never seem to stop billing people regularly and merchants who said they cancelled services but they really didn't.
Reviewed June 6, 2009
I recently moved from Maine to Massachusetts, where AIG does not offer auto insurance coverage. I switched to Amica and called AIG to cancel. They said they would cancel the policy in three days when my new coverage took effect. Coincidentally, I was broadsided 10 minutes after I switched insurance companies. Since it was the other driver's fault, his company covered all of my damages.
I notified AIG about the accident since they were still technically my insurance provider. They took no action since I was going through the other driver's company. A few weeks later, I noticed that AIG had withdrawn money from my checking account (automatic payment) even though I had cancelled. It was at a significantly higher rate than my usual payment. I assumed that it was some sort of computer glitch. I called AIG and asked what was going on.
They told me that they had no idea what I was talking about when I told them I had cancelled weeks ago. They said they had no records of me even calling in the last several months. I told them that I had called at least three times: once when I had moved two months ago to notify them of my new address (they claimed that they had no knowledge of this new address even though I have received mail from them at my new address since then!), once to cancel, and again to notify them of my accident.
They actually had the audacity to say that I was lying! I have an email confirmation of my cancellation so they won't get away with this. Their explanation for the higher payment rate was that they can increase the premium at any time without notice. What? The person I was speaking to eventually felt bad for me and became candid. He told me a way I could get my money back by faxing some forms. He told me to call immediately after I sent the forms and follow through with them until the money was back in my account and my policy was cancelled (again).
He said that otherwise, my request would probably be ignored. I can only imagine what is going on within that company, but it is disgusting that we gave them $85 billion to keep them afloat. As for the forms that the rep told me to print from their website, they don't seem to exist. I stumbled across this site trying to find the forms in vain.
Reviewed May 30, 2009
Reviewed May 13, 2009
Reviewed April 24, 2009
Reviewed April 22, 2009
Our daughter was hit by a person with insurance through UAIG. She was hit broadside while at a complete stop, went 20-30 feet down the shoulder. Her bills including the loss of our car was approximately $8,500.00. We were paid for our car, but at a rate that was much less than it was valued. We have been told that all chiropractors are quacks, that her injuries, although soft tissue injuries that almost never heal completely, were basically non-existent. We were told that former adjustors were no longer employed by the company; however, they still have a voicemail. Then we were told we were never told that. They do not want to offer a settlement that is in any way fair. We did not get a lawyer because any amount that was obtained through a lawyer would be eaten away in fees, etc.
I have heard nothing good about this company and my opinion, which they could care less about, is the same as the ones I have already heard. They stink as a company. Our government wasted their money if they helped this one.
Reviewed April 15, 2009
I was struck by an 18-wheeler at the speed of 70 mph. I have five herniated disk, head injury, PTSD, Cervical Radiculpathy, etc. I have been hospitalized for mental problems due to pain from the accident. I have undergone severe pain also by receiving many injections in my spine for pain relief. I fell into deep depression. I tried to commit suicide. Even my paramedics and doctor put down it was due to my accident. I have approximately $25,000 in damage. My car was in the shop for 2 months. I have been unemployed due to this accident. I am currently on disability through the Social Security Administration. I have lost my best friends, my soon to be wife. I have been living with my family ever since this auto accident. I lost the chance to work for a ministry that airs throughout an affiliate station of Trinity Broad Coast in network.
Since I had no health insurance at the time of the accident, doctors treat me as a second-class citizen. I get less care. I just got out of a mental hospital a week ago. AIG offered me $6,500. They have a one-million dollar insurance policy. My lawyer threw my case out. I am on my own. I owe him 35 percent by contract. I didn’t have these problems before. I don’t want government welfare. I want to work and live like everybody else. This is how AIG treats Americans. I am not an American anymore. The building is next to the Federal Reserve in New York City. It should be in the Guantanamo prison because these people don't belong in our country.
Reviewed March 31, 2009
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Reviewed Oct. 29, 2008
Reviewed Oct. 6, 2008
I had an auto policy with AIG, which acquired Colonial Penn (a PREFERRED RISK insurance company that only insured drivers over 45 who had no accidents or tickets for 5 years). My policy with AIG carried a very high premium ($1,250 for 6 months) because I added my daughter, who was under 25 at the time. In August 2008 she turned 25, which was prior to the renewal date - September 2, 2008. AIG had this information. Nonetheless, AIG sent a renewal notice with the same premium. When I called to inquire as to why the premium had not been reduced I was told that there was a youthful driver in the household. I advised the agent that this was no longer the case, and, as such, I was entitled to a lower premium. The agent, who refused to address the point, responded that the only way to lower the premium was to reduce coverage and take a defensive driver course. I asked to speak to a supervisor, and after getting the same response, I told her that I was cancelling the policy effective immediately. The supervisor responded, YOUR COVERAGE IS CANCELLED. (I didn't tell them that I had already switched coverage to State Farm at a much lower rate).
Afterwards, I received a payment reminder. I wrote POLICY CANCELLED AND MAILED IT BACK. A few weeks later, I received a bill from AIG for coverage between the renewal date and the date of receipt of my letter. In response, I sent a letter reiterating that I had cancelled the policy prior to the renewal date.
My next step is a formal complaint to the Florida Insurance Commissioner. This is an outrage.
Reviewed Oct. 3, 2008
I received a notice saying that AIG was no longer going to cover single vehicle policy holders. When I called other companies for quotes, they had never heard of this. I tried to contact AIG directly and asked about this. I was told they do cover single vehicles but Kentucky policy holders must apply for a quote online. Seems unfair in both aspects.
Reviewed Oct. 1, 2008
A.I.G. direct said they will not pay the money for the damage an Allied Waste employee did because Allied Waste is not accepting responsibility for what they have done to my car. I have given A.I.G. pictures at the scene, and four witnesses but it still wasn't good enough. A.I.G. did not want to help us from the beginning and they have been twisting the story and saying two different things to my husband and I. I had so much good proof that Allied Waste did this certain damage to my car and A.I.G. only says they will replace the windshield, which isn't even half of the damage. They have lied to us on several occasions and even made us go to other body shops for different estimates because they didn't believe the first.
This incident happened a month ago and A.I.G. kept wanted us to do this and do that. We have done everything they asked just for them to tell us we're lying. I have filed a complaint with the Texas Department of Insurance, and will continue to do whatever it takes for A.I.G. and Allied waste to take responsibility. My biggest regret was not filing a complaint with the police with a hit and run since Allied Waste left the scene without even saying anything. I trusted their supervisor, Paula, who said the damage would be taken care of. BIG MISTAKE.
AIG Auto Insurance Company Information
- Company Name:
- AIG Auto Insurance
- Website:
- www.aig.com