American Access Casualty

American Access Casualty

Oakbrook Terrace, IL

 1.1/5 (202 reviews)
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Overall Rating1.1 out of 5
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About American Access Casualty

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

American Access Casualty Company (AACC) sells nonstandard auto insurance policies to high-risk drivers. It accepts international driver’s licenses, employs bilingual agents and offers affordable and flexible payment options. American Access Casualty’s coverage is available in Illinois, Indiana, Nevada, Arizona and Texas, and the company is currently expanding.

Pros & Cons


  • Bilingual agents
  • Flexible payment plans
  • Accepts international drivers


  • No online quotes
  • Not available in all states

Bottom Line

AACC specializes in affordable auto insurance for high-risk drivers. It accepts international driver’s licenses and employs Spanish-speaking agents. The company isn't available in all states, but it's growing.

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Get an auto quote on SmartFinancial.

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What is American Access Casualty Company?

AACC specializes in nonstandard auto insurance and services for Hispanic and international individuals and families. The company offers low-cost coverage with affordable premiums, low down payments and flexible payment options. It also insures drivers with international or no driver’s licenses. In some cases, AACC can provide same-day coverage. If you’re a high-risk driver having trouble finding auto insurance, you can contact AACC to discuss options.

The company’s coverage includes:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Uninsured motorist
  • Comprehensive
  • Collision

All its policies are based on state required minimums. AACC also offers roadside assistance and rental car reimbursement, as well as SR-22 comprehensive coverage.

How does American Access Casualty work?

AACC agents are currently located in Illinois, Indiana, Nevada, Arizona and Texas, and the company is expanding, with licenses in nine other states. To find an agent, enter your ZIP code or home address on the website. Your agent helps find coverage specific to your needs, and you can manage your account and pay bills online. Call an agent or contact the company directly to file a claim. AACC offers its services, including web content, in English and Spanish.

American Access Casualty rates

AACC specializes in finding low rates, flexible payment plans and low down payments for high-risk drivers. Contact an agent to get a customized quote; as with most auto insurance providers, rates typically depend on your driving record, type of vehicle and location.

American Access Casualty FAQ

Where is American Access Casualty located?
AACC is located in Downers Grove, Illinois. Its agents operate in several states.
Who owns American Access Casualty?
New AA Holdings, LLC, owns American Access Casualty Company.
Where is American Access Casualty available?
AACC is available in Illinois, Indiana, Nevada, Arizona and Texas. The company holds licenses to operate in nine other states and is currently expanding.
Does American Access Casualty offer comprehensive car insurance plans?
AACC offers comprehensive car insurance policies. Its coverage options include liability and collision (typically required by the state), uninsured motorist, personal injury, rental car reimbursement and roadside assistance.

Is American Access Casualty worth it?

American Access Casualty offers affordable insurance to high-risk and international drivers. While its coverage isn’t available in all states, the company is currently expanding its services. If you’re a high-risk driver or have an international driver’s license, we recommend checking out AACC to see if it fits your auto coverage needs.

American Access Casualty Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Feb. 15, 2023

Claim # ** His policy # ** Their policy holder hit me from behind at a stop light. His license is from the Republic of Honduras and expired in 2001. He hit me on Sept. 7th, 2022. I live in Garland, Texas and the police in Garland will not come out if an ambulance is not needed. One was not, only damage to the rear end of my car. His had damage as well. American Access Casualty denied my claim saying that their illegal alien client would not respond to their phone calls or letters. This is my problem why... Here is my recommendation: All illegal aliens driving in America, come get this insurance.

When you cause an accident, Do Not Answer any calls or letters from this insurance company, and they will dismiss the claim out of hand, without any better explanation, move on to the next claimant to screw over. Yes, I could have filed it with my insurance and get my car fixed, and have my premiums go up. This company is shady, underhanded, and should not be allowed to sell anyone insurance, PERIOD. They are Crooks. I have a copy of his tag number, license, and by the way, the address he gave them as his residence was a million dollar home in a very nice neighborhood. Their client Never lived at the address they had on file for him. To one and all, Run from this company just as fast as your feet can go.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 27, 2022

I was rear ended by a driver with AACC in Nevada. AACC only covers 5 states currently. I moved back to Washington a few weeks after the accident, only to find that no auto body shop will contract/work with them. I had to take my car back to the dealership I purchased it at to get covered repairs. My adjuster was Edwin, who was out of the office a total of 5 weeks during the 8 week duration of my claim. His supervisor Tatiana was of no help. Both actually blocked my cell phone number from their lines at one point after they sent a check payout to me, when I requested the payment to be sent to the body shop.

Scheduled repairs, neither Edwin nor Tatiana contacted me for 2 weeks. The day of scheduled repair, I drop off my car at the body shop to find out there is no rental waiting for me (when I was promised a car of the same size would be on the lot for me). The body shop manager attempted to call both people, only got voicemail. I immediately headed to the car rental service they contract with, and there were no reservations made. AACC doesn’t have an account with the rental company either. After an hour of the rental company attempting to call the corporate line (just routes you back to your adjuster by phone number) Edwin’s line and Tatiana’s line, I left without a rental. Sent a text to Edwin, he’s out of the office again. Leave three voicemails for Tatiana. When I finally receive a call back from her, I was informed that they only contract with Hertz for $20.95 per day, and they reimburse once the claim is closed.

When I brought up the fact that there are those who left reviews for still waiting on reimbursement from over a year ago, her response was “everyone’s case is different, we can’t guarantee a time frame”. When asked for her supervisor, she laughed and stated that I would be wasting my time since “she’ll just repeat everything” Tatiana told me. Always record your phone conversations with AACC and get names/dates/times.

5 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: April 5, 2022

    I normally don’t leave reviews, however this company is by far the worst I have ever dealt with. I hit a deer 02/17/2022 and my claim has yet to be settled. My adjuster was never available. I have full coverage with rental and it took me 30days to get a vehicle. I then was told them only have reimbursement coverage meaning I had to pay for a rental car and then I would have to submit a receipt after it’s been returned. I wasn’t notified that my vehicle was a total loss until I was in the rental over 20 days and they only pay for 30. I asked for a total loss settlement document to be able to get a new vehicle and was provided a document with no letterhead and no claim info!!! I wouldn’t recommend this company to my worst enemy!!! I am so disappointed!!!!

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 14, 2022

    After weeks of attempting to make get updates and make any kind of contact with the insurance broker they finally sent a letter denying my claim. I had been dealing with them for 6 weeks and unable to open my driver-side door, and even with a witness and the evidence of the other party's damages compared to mine, they wrongfully denied my claim. This company is only good for keeping you from getting traffic tickets for being uninsured.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 5, 2021

    Shawn ** from American access insurance on DFW is possibly the worst adjuster ever in history. Just like they say you get what you pay for. This man talks to you like he owns the company, and has no respect or manners and he knows everything. Apparently he used to own his own shop but now he's in a an insurance adjuster.... Anyways this guy is a nuisance too. The company needs to get rid of them because they didn't pay me out right. Luckily I have changed insurance companies and I have learned my lesson. Never again.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 27, 2021

    Initial interactions were great, slow but pleasant. Liability was accepted quickly due to dash cam footage. Uber ride, their driver made an illegal left turn and hit me which caused me to be removed from the platform until repairs could be completed. 26 days of lost income... Then I submitted my claim for reimbursement and lost wages. The adjuster 'lost' or ignored my documents until I got my insurance involved. She asked for documentation I had already provided, ignored my submission and went on vacation without acknowledging receipt. Her supervisor did call me back promptly, and proceeded to 'graciously offer' me much less than I was requesting... basically half of the days I was unable to work due to the damage.

    They have ignored emails and delayed responses to my insurance company with regards to the damage demand also. All I can say is claim the physical injuries, play it up, try to get as high of a claim as you can because I did it the honest way, only asked for what I lost in income and spent in rental vehicles... no clear injuries so I didn't file for them. And I'm getting shortchanged with an insultingly low offer to settle.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 25, 2021

    This insurance sucks!!! Don't get this insurance... RUN. I got in a car accident last week of June, called the insurance to make my claim etc.. They were answering pretty fast and being on point until one week later they stopped responding to my phone calls. After three weeks of my car being crashed they finally called back to see where I could take my car to fix, I chose the body shop near my house. They said okay perfect that they will call them to let them know.

    Two days passed got in contact with the body shop but sadly they didn’t have any appointments till August 1st, when the day came around I took my car and at the body shop they said that they will send the insurance an email so that the insurance can send them a supplement, but they took a whole week to get back to the body shop, the workers told me that the insurance was taking forever to respond back as well. Ridiculous. They didn't even let barrow a rental car... THAT I HAD TO PAY IT MYSELF??? $100 PER DAY LOL. NO.

    After my car being there for a week, I was carless for a month already. After the insurance sent the supplement to the body shop that's when they could start working on it so the workers told that it will take two weeks or less depending. It's now August 25th. My car was in the body shop for three weeks in a half!! And now the body shop gave me a car to let me know that the insurance is making me pay $156 extra.... plus the deductible of $500. Crazy that I'm paying the insurance and they can't even pay $156, it's not a lot but still. Horrible customer service, took days to respond, and also they gave me attitude this insurance sucks. The whole process took two months, I was carless for that long... I hate this insurance so much. DON'T GET THIS INSURANCE. IT WILL GIVE YOU PROBLEMS.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 19, 2021

    Hit and run by its insured driver in mid July, 2021. Got the plate number and called 911 and filed a police report. Filed claim with AAC and moved slowly but smoothly. Today just got a call and promised to move forward. Just thankful that my car not badly damaged and the other party neither I guess, but probably around $500 or less repair for her to make it run.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 1, 2021

    I have called this company numerous times trying to get information on a car that was in an accident. Clearly the car was totaled as it's an 2006 Lexus IS with well over 200k, but without even sending an adjuster to see the vehicle American Access Casualty decided to write a check in the amount of $800.00 which is absurd. The body shop where the car was towed also expressed his concern for the lack of interest in handling the claim in a professional manner. The body shop owner called American Access Casualty to make a claim for a supplemental check. Only then did American Access Casualty assign an adjuster to go look at the vehicle in person and determined what we all already knew that the car is deemed a total loss.

    Now I have called over and over to the adjuster just to get a voicemail. I leave a message. The message on his voicemail says he will return the call within 24 hours. Frank (adjuster) has never once returned my call since the car was inspected. The hold times are all day long with no other way to get in touch with the claims department either via email or fax to get a response from the claims department regarding the status of the claim. HORRIBLE COMPANY!!!

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 27, 2021

    This is the Worst Kind of Company I ever dealt with it, This Kind of Company Should Never be in the Business or Kicked out of Business for their Worst Services. Never Pay their Claims, Never Called you Back, No Response. Never Take Responsibility. Their Adjuster are Extremely Rude and Stupid. Don't Recommend to anyone to do Business with them.

    6 people found this review helpful
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    American Access Casualty Company Information

    Company Name:
    American Access Casualty