Suspended Licenses: Acceptance Auto Insurance's Approach

Acceptance Insurance is a company that provides auto insurance for high-risk drivers, including those with suspended licenses. While it is possible to get car insurance with a suspended license, it is challenging and typically results in higher insurance premiums. Acceptance Insurance is one of the few companies that offer this type of coverage, but they only operate in 15 states. They provide basic auto insurance coverage options, including SR-22 certificates, and have a high number of customer complaints.

Acceptance Insurance offers SR-22 certificates for high-risk drivers

Acceptance Insurance is a good option for high-risk drivers who need an SR-22 certificate. An SR-22 certificate is a document filed by your insurance company with the state, certifying that you carry the mandatory minimum amount of liability coverage. This is usually required for drivers convicted of serious traffic offences, such as a DUI, or driving without insurance.

Acceptance Insurance offers SR-22 certificates, as well as non-owner insurance, which is often required for those applying to reinstate a suspended license. This is a good option for high-risk drivers who may struggle to find insurance coverage. Acceptance Insurance also offers basic auto insurance coverage options in 15 states, including liability coverage, comprehensive coverage, and uninsured motorist coverage.

It is important to note that Acceptance Insurance has received a high number of customer complaints and has a lower financial rating than other insurers. Therefore, it is recommended to shop around and compare quotes from different insurers to find the best option for your needs.

In addition to SR-22 certificates, there are other ways to obtain car insurance with a suspended license. You can apply for a hardship or restricted license, which will allow you to drive for specific purposes, such as commuting to work or school. You can also explore specialised insurers and consider non-owner or high-deductible policies. Maintaining continuous coverage and taking advantage of insurer discounts can also help reduce insurance costs while dealing with a suspended license.

Acceptance Insurance has a high number of customer complaints

Acceptance Insurance has received a high number of customer complaints, with a Complaint Index Score of 4.74 from the National Association of Insurance Commissioners (NAIC). This score is nearly five times higher than the median, indicating that the company has received almost five times as many complaints as the average auto insurance company, relative to its size.

The majority of customer complaints about Acceptance Insurance relate to the claims process, with customers reporting issues with the speed at which claims are processed and the responsiveness of claims investigators and adjusters. Many customers have expressed frustration with delays in claim resolution, stating that it can take days or even weeks to receive a response from adjusters.

In addition to the high volume of complaints, Acceptance Insurance has also received negative reviews for its customer service. The company's Facebook page, for example, has an overall rating of 2.3 stars, with the majority of reviews being negative and citing the claims experience as a major source of dissatisfaction.

The high number of customer complaints and negative reviews raise concerns about the quality of service provided by Acceptance Insurance, particularly in terms of the efficiency and responsiveness of their claims processing.

Acceptance Insurance offers basic liability coverage

Liability insurance is a safeguard against a driver's personal assets in the event that they cause an accident that results in bodily harm or property damage to another person or their property. It is mandated by law in 49 of 50 states, with varying limits.

Acceptance Insurance's basic liability coverage is the least expensive insurance option offered by the company, but it only offers a minimal amount of protection if you are involved in an accident. The coverage is provided only for damage you cause to another party. Any damage to your vehicle or any personal hospital or medical costs are not covered under this type of coverage.

For example, in Arizona, Acceptance Insurance's basic liability coverage minimums are 15/30/10. This means that Acceptance will pay up to $15,000 toward injury-related expenses per person, $30,000 total per incident toward injury-related expenses, and $10,000 toward property damage in each incident.

If you need more coverage to protect yourself and your vehicle, Acceptance Insurance also offers comprehensive and collision coverage. The premium is higher than liability, but the additional coverage will help protect your financial standing in the event of a serious accident.

Acceptance Insurance advertises low rates for high-risk drivers

Acceptance Insurance is a good option for high-risk drivers who are deemed financially risky by other insurers. This includes drivers with multiple infractions, poor credit scores, or a history of at-fault accidents, DUIs, or moving violations. Acceptance Insurance offers SR-22 insurance, which is often required for high-risk drivers, and provides basic liability coverage, comprehensive coverage, and uninsured motorist coverage.

The company advertises low rates, but its premiums are often higher than those of its competitors, even for its target market of high-risk drivers. Acceptance's rates for drivers with clean records are 38% higher than the average rate. Its rates for drivers with DUIs are also high, sometimes doubling the original rate.

Acceptance Insurance offers a few unique coverage options that may be attractive to high-risk drivers. Its TicketProof coverage reimburses drivers for certain driving infractions, up to $650 per year. The company also offers an Rx Discount Plan, which provides a 20% discount on prescription drugs, and Hospital Indemnity coverage, which pays for expenses of up to $125 per day if the policyholder is admitted to the hospital after a car accident.

Acceptance Insurance has received poor reviews for its financial stability and customer service. The company has a C++ rating from A.M. Best, indicating that it may have trouble paying customer claims in the future. It also has a high number of customer complaints, with a Complaint Index Score of 4.74 from the National Association of Insurance Commissioners, nearly five times the average.

Overall, Acceptance Insurance is a good option for high-risk drivers who are unable to obtain coverage from other companies. However, its high rates and poor customer reviews may deter those who have other options.

Acceptance Insurance offers a TicketProof program

Acceptance Insurance is a good option for drivers with imperfect records who are finding it difficult to get insurance elsewhere. The company specializes in providing auto insurance to people who need nonstandard, high-risk, or SR-22 insurance and may not be able to get coverage from other companies. Acceptance Insurance offers a TicketProof program, which reimburses drivers for costs associated with speeding tickets and other traffic citations. The program includes:

• Reimbursement of up to $200 in legal fees
• Reimbursement of up to $100 per paid citation (up to two a year)
• Reimbursement of up to $250 toward court-ordered defensive driving school

The TicketProof program also includes roadside assistance, so you won't need to purchase it separately. This coverage option is unusual, with few other insurers providing it. It costs an additional $15 per month.

Acceptance Insurance also offers a range of other insurance products, including homeowners, renters, life, commercial, motorcycle, pet, and hospital indemnity insurance. They also sell limited travel insurance in some states, which covers your vehicle and medical costs when traveling to another country.

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