American Family Car Insurance Reviews

The telephone people are nice enough but watch out if you need more than superficial help! Most of the claims adjusters have a chip on their shoulder and have no empathy nor verbal skills. The verbal abuse we've gotten goes from the covert to the overt style. They are rarely helpful. Costco made a big mistake to represent them as their auto insurance carrier!!!

Driver rear-ended me because they were too busy texting to pay attention to the couple thousand pounds of metal, glass, and hazardous chemicals they were piloting at insane speeds, a week before Christmas. So I got to wait through Christmas and New Year's before I heard from their insurer, American Family. I had my repair shop take photos of the damage to my truck and email them to AmFam. Over a week later I got a reply from an adjuster that they can't open the pictures. Curiously, this email didn't specify a preferred format for the images. I would think that they might request a specific format that they can open. I find it very interesting that a multi-million dollar insurance company that can afford the latest and greatest computer tech, doesn't have the ability to open some pictures from a repair shop.

There are 5 driving adults in the house I live in. All of us switched to AmFam (thru Costco) about 2 years ago. We all recently received our new bills for upcoming 6-month premiums. Mine, alone, JUMPED from $277 to $457 -- 65%!!! The others are similar. I have been driving for 50 years (age 66, and perfect health), no at-fault accidents, no tickets, no lapses in coverage, no late insurance payments, have not moved, and "excellent" credit (similar circumstances to the other 4 driving adults in this house). In other words, none of our circumstances have changed in the past 6 months. I have NEVER seen anything like our price hikes! I (and the other drivers in my household) am an Insurer's dream client. Is this not "price gouging"?

We have been valued executive members at Costco, and since American Family auto insurance was endorsed by Costco, we shifted our car insurance to them. We have been diligently paying them, and as a result, they have renewed our policy every six months. However, this time, they did not renew our policy and let it expire without giving us proper notice, jeopardizing the safety of our kids commuting to school and our ability to go to work without coverage. If this is a cost-cutting measure, it is not acceptable.

American Family Insurance happy to drive our world back into the dark ages. They will not even speak to you (to give a quote) unless you first give them your date of birth. Guess they really don't care for customers shopping around (how convenient for them), so not going to be a customer of American Family Insurance.

I have been with American Family Insurance for many, many years, and have more than 7 different policies insuring multiple homes, autos, boats and other items. I recently purchased another boat which is a family sport boat. 2007 Cobra Viper 230. I purchased the insurance and was contacted by my agent that they were cancelling my new boat policy because the boat is a high performance boat!! This is a family sport boat, no different than any other sport boat!! Just because the Manufacturer does produce high performance boats, my model is NOT. Do your research American Family if you don't have the info on the boat. I will be cancelling ALL my policies and going with another company.

I recently experienced a rear-end accident where I was deemed not at fault. The insurance company involved was American Family Insurance, and unfortunately, my experience with them was extremely negative. The adjuster assigned to my case was consistently rude and exhibited what I perceived as unethical behavior. Despite being found not at fault, their treatment made me feel as though I was to blame for the entire accident. Based on my personal experience, I strongly advise against choosing American Family Insurance, as I found their conduct to be both unethical and rude.

We've had bundled auto and home insurance with American Family for a little under 20 years. In that time we had one claim for the roof on the home after a tornado in 2008, and that was it. In 2022 a distracted driver without the necessary corrective lenses drifted into our car and heavily damaged the driver's side while my husband was driving. He tried calling AmFam immediately and their claims line wouldn't answer, despite us trying for several hours. The next morning he called at straight up 8AM and found out the other driver had been able to talk to someone with AmFam already, even though we for some reason couldn't get through. Because we live in a no-fault state it wasn't a huge issue, but it was somewhat irritating.

I would avoid this company at all costs and pray you don't get hit by a driver insured by this company. They are a scam and will go to extreme lengths to avoid paying a claim. My son's car was hit while it was sitting stationary in a PARKING LOT. The driver then tried to hit and run but thankfully my son saw it and demanded he stay. The driver then refused to give us his insurance information and tried to bully my son. The insurance company has been a nightmare to deal with, first of all they make you go to certain places for an estimate, the shops all have less than 3 stars. Then when the estimate is provided, they haggle it down with the shop to reduce your estimate and your payout is worthless. Their customer service is horrible, the claims adjuster assigned to us never even called, I dealt with his team of unprofessional workers. I would never consider this company on my own and I pray I never get hit by one of their idiot drivers.

So I've had my insurance with them since I was 16. Auto got married. Husband had AmFam, bought a house. Had it for that and I've had business liability insurance since 2014. So the cost of amfam is ridiculous. So we looked for other insurance. We purchase other insurance and canceled all of our policies with American family. So I get a bill in the mail for 73 and some change simply because I canceled my business liability too early now. I was never told of any of this 9 years ago that there was such a thing. Like how long did I have to have this insurance for them to not consider it cancelling early..

I have had a bundled AMFAM policy for about 8 years. I’ve recently got a new agent (not my doing) and in a few short months this new agent has managed to literally destroy my auto policies. Screwed them up so bad I’m currently uninsured and had the nerve to blame AMFAM. Either way, I’m screwed and this is a warning. If they have agents this incompetent it’s their fault and if it’s AMFAM then shame on them again. Now I have to spend my July 4 holiday getting new insurance and losing all my grandfathered policies. Almost sue mad!!

I had a accident w a driver who had American Family. After almost a week they told me they were not at fault. The idiot driver was some young driver high almost drove into me as I exited my vehicle I was parked. The idiot flew into the parking spot next to me w/out looking. Many witnesses say the idiot hit me. After american fam viewed the store security camera they told me I had time to avoid the accident. Now I have a sagging door thanks to the idiot rich boy. Screw you american fam. Nothing American about them

This AMFAM is a HORRIBLE company that covers any vehicle EASILY but always tries to find a fault in the information provided at the time of adding it to the policy ONLY to ESCAPE and AVOID PAYING IN CASE OF AN ACCIDENT! PLEASE MOVE AWAY without waiting to personally experience and end up with the huge loss of funds. I sincerely request you to pass on this information to all of your contacts!

American Family Insurance is a horrible company. In a recent minor car accident, they never came out to investigate, ignored state statutes, believed the other claimant without evidence or eyewitnesses, and discounted the evidence that we presented. Avoid this company at all costs. They will take your money and do nothing to defend you.

A driver that has American Family Insurance rear ended me in my almost new 2019 Buick. I had around 30,000 miles on it. It took a month for them to approve my car repairs. When I called three times to ask for diminished value on my car I finally got a call back from the company offering me $300.00 dollars. When I said that my diminished value was over $3,000 I was told the most they would offer me is $600.00. They are trying to rip me off and when you lose that much value by no fault of your own that shows me what kind of company you're dealing with. I have never had to deal with a company as bad as this one. I would not recommended them to anyone. I'm going to have to get a attorney involved to make them do what's right.

Deceptive auto support/coverage! If a household becomes a victim of a hit and run... After many, many years! No thanks AMFAM! REALLY, NO THANKS! It's been over a month now and still nothing to support your covered payees! Gees, thanks, but really no thanks!

It is included with my regular insurance and seems to be the best fit rather than pay for an outside company to do the same thing. So many times whether it is clubs or add-ons for television, gym membership add-ons ... we end up not using them for the extra cost.

Everyone needs to check with their insurance. This is the cheapest way to have roadside service, if you don't have it for free with a new car. It is only roughly $12 a year. I tell everyone, when talking about insurance or roadside. You can also pay to have car rental, in case you need a car because yours is being repaired.

I was in an auto accident and the driver at fault had American Family Insurance. The driver turned in front of me in a roundabout and American Family is saying I'm 20% at fault because I didn't see her turning in front of me. I would never ever use this company for any type of insurance. It took over 2 weeks for them to get back to me after the accident for them to tell me I was partially at fault.

Ever since we moved to this company, all our dealings with customer service and claims, our experiences have been outstanding. The personal touches from our agent makes it pleasurable to deal with. We feel we are not just customers but a member of their family. They make it easy to routinely update our policies. Simple visits from agents to our homes whenever we inquire about new changes in our policy makes us feel like VIPs.

My Agent is a very nice woman and her staff are very friendly and helpful. Their office is located near my place of residence which is very helpful! I told one of the gals in the office I have a RING device which detects and records movement outside my home and she gave me a discount! I didn't even have the receipt! So far, so good, no complaints from me.

Not impressed with your customer service right now, especially during this pandemic. I have been with American Family for around 30 years. My vehicle was caught in a hail storm and I filed a claim. Since your claims department did not have adjusters working during this pandemic, I took my vehicle to the dealership for an estimate. The dealership in return sent American Family adjusters photos and the itemized estimate. I received a call from your adjusters wanting to send me a check for 25% less. They said since they couldn’t see by the pictures they would pay less. I then spoke the a manager in claims and was lied to by him. He stated the body shop had agreed to their reduced price when that wasn’t what your first adjuster stated. She had said they would start the work and send pics as they were fixing it to show the damage she could not see in pictures. Contact Ron **. Thanks

I had an awesome experience with American Family. My wife and I were rear-ended by an uninsured driver near Chicago. Because the driver was uninsured, we had to file a claim on our own insurance policy and pay a $500 deductible. American Family's claims department was actually able to chase down the other driver for the $500! It took a few weeks before the other driver finally paid, but they got it done! Our car is good as new too! Thanks American Family!

My husband was killed in Dec. 2015, my mom and best friend died in May of 2016 and I've been a bit of a mess. During the year of 2017 I kept locking my keys in the car and even completely lost my key keys. (Luckily was able to find them the 4th time checking with the customer service desk.) My car broke down and I had to have it towed and they were there every time and it was 100% covered. Being a widowed mon with a son that's only 5 years old it's very comforting to know that someone is really there when you need them.

I had been a customer for over 30 years with both home and car insurance. I always paid my bills on time. Recently, over about a 2 year period, I had a few minor claims. First, my car was hit from behind, and I had medical bills which AmFam told me would be claimed on my insurance, but billed back to the other party. I had to call road rescue to start my car when the battery had died, I backed out of my garage and fender bumped a teenager's car who had parked in my driveway illegally (considered my fault), and then I had a major accident when I got hit by a deer on the way to the airport.

I had home insurance with American Family Insurance. In March, 2019 I had a contractor steal property from my home. I was forced to put in a claim to recover the loss. Instead of trying to help, their claims department has done everything possible to delay and frustrate this claim. They ask for irrelevant and private documents (manipulating a part in the contract you get with them) hoping that the request will not be honored so they can use the contact clause of failing to provide documents to deny your claim. Then they say their legal department will get in contact with you to conduct a deposition under oath, but they never seem to get with you.

I put a claim in with American Family Insurance on 09/30/19 because my vehicle was in an accident with one of their clients on 09/25. Their client was cited for failure to yield and listed as at fault on the police report. Without any investigation, and without the claims adjuster speaking to me on 10/02 I received a voicemail denying my claim saying there's a video of my brother saying he was driving with his headlights off. I called her a liar and told her if this video exist then I have a right to see it and want to see it to which she replied "she'll show it when I take them to court." When I called her back on 10/10 to get a copy of the claim denial letter she said "she'll send it after her client court hearing." I filed a complaint with the insurance complaint in my state and they were of No help. American Family responded with nothing but lies claiming my claim wasn't denied, and the person handling my complaint didn't bother to investigate.

Someone hit my car, a hit and run while I was at home. The next day I called and from there it was just a headache. They called my work number without my permission. Nobody responded to my calls or emails over week. They are all liars, they said they were calling my number and left messages which are lies! How is it that only people from their company their calls didn’t go through. Sent me a $41 check the day they gave me a quote without me even agreeing to anything. Nobody communicated anything to me.

I have been with American Family Insurance for about 8 years. When my jewelry was stolen from the house we lived in they covered it, when my son was in a wreck it was covered, no issues, easy claim reporting. They even called and spoke to the police for my son to verify his coverage before I could get to the accident. They handled the claim, spoke with the other person's insurance company. They even check on my son several times after the accident to see if he needed additional help. My agent is willing to help keep the payment in a range I can afford. I have had other insurance prior to American family that was not easy to work with and cost more. American family is affordable insurance with great coverage plus a personal touch, they care.

Worst company ever for auto insurance coverage!! Do not use them if you would like actual help if ever in a car accident. My vehicle was hit by another car and when I called to report my accident to my insurance I was told they would only help advise me if I opened a claim. I had never been in an accident so I had no idea what I was doing. I explained that the other driver was at fault and that their insurance would cover any damages and I only need help with what I needed to do. The company provided false information and told me I could only get help if I opened a claim and that it would be non fault so it would not change my premium rates in the future.

I was quoted one price.. When I got the next month's bill, it had gone up. I told them to cancel me.. I went with a better insurance company. Then weeks later, got a bill from American Family saying I owed more... Worst insurance company I have ever dealt with. -5 review..

I had them for my home for more than 10 years. We had a hail storm on 06/01/2019, most of the houses in our area at least 75% had their roof replaced. I submitted a claim for my roof after we found a lot broken tiles and two leaks. Their adjuster showed up at the time while my neighbor is having his roof replaced (my neighbor had exact same tiles as mine), the adjuster asked me who insured my neighbor house and l replied by saying it was USAA. The adjuster said that AMF will not pay for a roof replacement period....without even assessing the damage. He used a drone to inspect the damage and he noticed the damage but he said that it wasn’t hail damage even known he admitted a lot of broken tiles and damaged gutters.

I will not go into detail about my horrible experience. Would take too long, nothing about this company is good, I only had one customer service rep that explained everything and gave me the right info, I will never use this company again and will tell everyone not to use them for any reason!

Had American Family Insurance for many years but every claim I've made which has been only been less than 5 over 20 years have always been an uphill battle, They refuse to pay no matter what the situation or who's at fault. All they want to do is take your money and never support you or pay you when you need them. I've had to fight and Claw my way to every claim everywhere from threatening lawsuits to filing complaints with the Better Business Bureau. As of Saturday I will be with another insurance company. They have lost seven policies from me. What a bunch of money hungry Cheapskates! Stay away from American Family.

I had an accident in March of 2019 and six months later, I am still waiting for payment (I was not the party at fault). They will do anything to not make a payment on a claim and their insurance agents will dodge your phone calls, unless you surprise them with a call from a different number. Dozens of emails remain unanswered, voicemails, messages through other colleagues. Terrible company.

Their insured rear-ended me and they won’t process the claim until they speak with the insured. Well, he’s not calling them back and did not initiate the claim. So what happens to me in the meantime!!! I’m without a vehicle that’s what! Their suggestion was to go through my insurance. Why should I pay anything out of pocket when it was his fault!!! I am so pissed right now!!! Low rate insurance.

Their insured hit my car and totaled it. It was towed to a salvage yard and I was forbidden to get my personal items out of it for over a month! They did not return phone calls and finally told me that even though their insured was ticketed for failure to yield they needed to review a video from a local businesses security video. I waited another four weeks and then I had to go pay for the video and send it to the registered mail only to have the agent quest liability because my car did not stop to avoid the accident and they want percentage of liability on my vehicle. This company is a very unfair, unprofessional, sleazy organization. I will have to take the at fault party to small claims to get compensated. They are horrible!!

My agent usually doesn't have answers to my questions. He cannot explain anything having to do with Insurance. We've been with them 20 years. (We're with them) and they simply do not care. This may seem harsh but it is the unfortunate truth.

My car was in accident (borrowed to a friend, I was out of state on the occurrence of the accident) and customer of yours admit the fault. Adjuster comes and leaves, sends me reports and check of $485.00 for damages they decide is ok for them to be fixed (I can provide photos only few small scratches they decide to fix and what happens to rest?) and to be told from another adjuster Glen that was extremely rude that he doesn’t care, that what he thinks is best and right and my side doesn’t value. Car is in Gerber Collision. I am trying to fight and prove to this people that I didn’t invented the wheel, my car has lil hits and scratches but the ones that they weren’t there that’s what should be fixed and that’s all I am asking for!!!

My agency is thoughtful enough to give a call when a payment is late. I've had a couple other companies and none have gone to this extent to help a client. I've been with this particular agent for 20+ years.