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AARP/Hartford Auto Insurance

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Marsha of Salem, OR February 6, 2010

I noticed when I received my bill that The Hartford raised my rates substantially from the previous year. When I questioned the increase, I was told it was because I became a year older (from 59 to 60) and so, according to their statistics, I am now a higher risk driver.

I have not had a claim, moving violation, or any other problem. After challenging this with The Hartford, I wrote to the state Insurance investigation department, and was told there was nothing I could do about this "discrimination."

henry of amarillo, TX January 30, 2010

1 January 2010 I visited my daughter on her table was insurance bill. Our conversation turned to the insurance bill; she told me I was being ripped off on my auto insurance because she paid less than I did. I started checking it out I found insurance from AARP 5 hundred dollars less a year than what I paid. The 4 January 2010 I received a quote from The Hartford AARP auto, on the 15 January 2010 I received by USPS mail lower rate notice from The Hartford AARP auto. The notice went on to state their latest studies suggest as a safe driver over 50, my auto rates are too high. Because of my age, my level of experience I would save 200 t0 300 on my auto insurance.

Today I received a quite from The Hartford AARP by e-mail, with an un-real/unreasonable low rate. I live in Texas where the penalty for stealing a 1.30 candy bar is five years in the pen. Today I called after a long wait some fool answered he ran my credit history, drivers license and insurance report. The lying fool told me all he needed was the 171.94 up front. We set it all up 1174.18 year for the Advantage plus plan. The deceiving fool went on to tell me he would lock these rates in for life. He told me he would call me back at 5:00 pm central time. He never called so at 5:30 I call some old women answered said she ran my credit history and insurance report, all over. The sorry old women then told me I had several accidents, September 2007 where I caused damages, first 2500 then went to 3300. Please clarify was it 2500, or 3300 or 25, or 30 several lies.

The police report shows I was run in to a hit and run. Nothing more than a lie. The sorry Hartford Insurance agent went on to tell that was the information she had. She told me to call my insurance company, where the report came from. I did later and their story matched mine. They went on to tell me the higher the premium the higher the commission.

The fiction gets even bigger sorry Hartford Insurance agent listed my daughters miss fortune. I would like to tell you all about this. I have the world’s best daughter,she worked nights and her husban is an American Hero he was at the time serving in ACTION. 2006 she went to church came out of the church and her vehicle was damaged. This miss fortune also has a police report. My daughter parked her vehicle in front of her apartment an ice storm came and a tree fell on the several vehicles.

Today I received a quite from The Hartford AARP by e-mail, e-mail read click here to buy online. I called after a wait some fool answered tell me the old women lock me out of the system did not qualify. I told the Hartford AARP fool to send me written statement. He said no. I told the Hartford AARP fool I live in Texas and it is a law. I believe I have a good case Southern County Insurance / State of Texas? I told the Hartford AARP fool give me the source of his miss-information. I called chase point went through their ½ hour recording only too be told allow 4 to 6 weeks to respond. I will forward a copy of my complaint to FTC, and AARP monthly, weekly. Expose the fraud and abuses. I only request the names of the lying, deceiving, Hartford AARP fool. So that I may turn them over to the State of Oklahoma and Texas to have their Hartford AARP license pull and for prosecution.

Leonard of Bossier City, LA January 22, 2010

Called the 800 number requesting amount and cost of life ins. for my age group.Was given a quote and I asked about the up to 80 age and the lady was very nice and told me up front the premium at that age was so expensive that the average person can't afford it and most dropped the ins. The AARP auto ins. program is a good deal as long as you don't have a claim.My wife had an accident,her fault and now I am paying almost double the premium and have only one vehicle. Point of this message is AARP programs aren't as good as they are made out to be.

gladys of sierra vista, AZ January 11, 2010

AARP offers a safety driving program class when attended AARP gives a discount on your car insurance premium. On Dec. 30th. I went to my local library to sign up for the AARP safety class. I was told the class would be on Jan.8th.&11th.2010 at noon.I was given the name & home & cell number of the rep. I call the home number lady answered took my info. & told me she would put me down for Jan. 11th. & George McKinley would call. On 1/09/10 I called the home number a girl answered knew nothing about me. So I called the cell number no answer. On 1/10/10 I called the cell number no answer left a message in regard to me attending the class on Jan. 11th. @ noon. Around 4:30 p.m didn't hear from George McKinley I called the library. She told me there was a safety class scheduled for Jan 11th @ noon. With that information I called my work sub-finder to take off a personal day Jan 11th. to do the class. On Jan.11,2010 @ noon I'm at the library to do the safety class. I waited until 12:45p.m. for George McKinley to show. I checked & verified with the various library personnel about George McKinley. Same answer haven't heard from him,he hasn't canceled, & he hasn't checked in yet & he needs the keys to open meeting room. At 12:45p.m I went up to a library personnel & told him I was leaving & would complaint. I couldn't find any email for AARP that's why I'm writing you. Thank You

Denise of New York, NY December 28, 2009

I have had my car insured with Hartford through the AARP program for Seniors. I was quoted a rate during my second year (this year) with them of 282.00 per month for a 2005 Hyundai Sonata. I just traded in this car for a 2010 Toyota Corolla. Luckily for me on Saturday 12/26/09 when I purchased the new car we could not get through by phone to Hartford. The manager at the car dealership mentioned that he thought I was paying a bit much for insurance especially a senior rate for the car. Therefore, he suggested I try another insurance company.

We called another insurance company and the quote I got for New York State full coverage on a 2010 car was 175.00 less than AARP Hartord. I was totally surprised. Hartford advertises to be the insurance for senior citizens. They have full page ads in the AARP magazine. I am a senior citizen and on I am on a fixed income. When I insured my car with Hartford I asked for the basic full coverage New York State required and thats it.

When I called Hartford today 12/28/09 and asked how could I have been charged so much I was told that I had also elected to get some optional insurance - which I did not. I told them I am not an insurance agent and their office is not in New York where I can walk in and sit and have an agent explain every detail about the insurance. I spoke to someone over the phone and asked what I was going to pay for what I needed and that was all.

I feel that the agents feel that since they are not dealing with customers in person that it is easy to factor in these other optional items that people do not need. This is false advertisement and a form of cruelty to take advantage of senior citizens by not informing them of all the facts and Hartford should be forced to reimburse every customer that they have swindled - because that is exactly what has been done.

Seniors have been swindled. I told them this when I called and informed them that I would write to every senior group so that they would not use their products. During this time when the economy is in such dire straits how can they do this. I am sure this has been done to many people.

charles of columbus, , OH November 28, 2009

Called in for quote gave the female ONLY a minimal amount of information i.e. Name, address, and a contact #. She launched into reading a littany of cars she showed as titled to me (all but one were gone). When I asked where she was getting her information she started hemming & hawing about it comes from a "site"...when asked if it was the Ohio BMV she got more evasive.

When I stated that I had not authorized any of this searching she flippantly said "well, we're able to access all the files we need at once" (never furnished my S.S. or D.L. numbers).. when asked if she was looking into my Credit Bureau report too (I have a very high score) she went from evasive to aggressively defensive and started firing questions at me.

When informed she had no authorization to do this she replied "well, it's already done"... when I stated that we'd see how the Ohio AG and Consumers Counsel felt about this she outright laughed. I then said "proceed no further"...got another laugh. Then used a couple of phrases I learned in Army basic training...that to no one's surprise ended the call. What a bunch of 20 something slime buckets they've got working the phones. Someone should stop these people fram such fast and loose access to credit information.

Richard of Altoona, PA November 20, 2009

My policy came up for renewal this August and the rates increased by 1/2. I was paying approx. 800 a year and it jumped to over 1,200. I waited too long to cancel and the new policy went into effect and when I switched from the AARP/Hartford to State Farm and went to cancel my policy, the Hartford informed me that I owed a 10% cancellation fee, which I disputed, but even though my policy was cancelled, ten days later they still tried to take the renewal fees for the new policy out of my checking account, which was 147.36. I noticed it when I checked my account on-line and put a stop payment on it, but the payment went out anyways. The bank asked for it back and it was returned, only to recieve a bill for that amount in the mail. The Hartford refused to budge, so I filed a complaint with the Dept. of Ins. in Pennsylvania and the amount was reduced to 29.36, which I reluctantly paid. I have read all of the articles on this site and its plain to see that The Hartford looks for any excuse to raise your rates or to under pay claims. I myself was tricked into believing that I had full coverage when I first signed up, when I was asked to sign forms for what they said was coverage that I didn't want, which gave me the lower premium.

I later found out what it was that I signed away from State Farm and that was my under-insured motorist coverage, while only having uninsured motorist coverage for 3 years. I was told that the reasons for my premium increase was losing my multi-car discount, turning 60 years old and a Hartford rate increase for all policies. I had lost my multi-car discount a year before and turned 60 in my previous policy as well, so was I being charged for that agian? I noticed that the new premiums were within 2 of the premiums that I was paying when I had both cars insured. I am paying 300 less now with State Farm with full coverage than what the Hartford wanted with incomplete coverage and needless to say, I will not be renewing my AARP membership. I would say that representatives of the Hartford are very nice until you have a problem, but for them to raise my rates that much without having any claims, tickets or accidents, is totally rediculous as well as their reasons for the rate increase. I guess that I'm lucky that I never had a claim with them, because I got a good taste of how they really are! They certainly are not out to help Seniors at all and I can now laugh at their TV comerdials knowing better.

Denis of Central Islip, NY November 15, 2009

Yesterday, I had a rock chip my windshield on my 2010 Lexus RX 350. I telephoned the Hartford, and was put in touch with the glass people with whom you work. They set up an appointment for me, and my windshield is scheduled to be repaired tomorrow. When I came home this afternoon, I received a message on my answering machine explaining to me that my 500.00 deductible would be waived so long as my windshield was repaired using your window repairer. This confused me as I have full glass coverage. I telephoned the Hartford, fully expecting to be told that this was an error due to my full glass coverage.

Much to my surprise, I was told that I do NOT have full coverage on my 2010 Lexus. It was explained to me that the Lexus dealer had ordered the insurance, and that they were not permitted to choose deductibles. It was further explained that an explanation sheet had been sent out when I first insured the car, and that this sheet clearly showed that I did not have full coverage on BOTH of my cars.

I examined the Declarations Page, and I am appalled to see that they are indeed correct. I have been driving around for months with very limited coverage on a car that cost me almost 50,000. First of all, this is not very clear on the Declarations Page. Items A, B, and C are listed on the first side of the page. Item D is listed on the reverse side of the page and, in my opinion, it is totally ambiguous that this coverage was omitted. To be totally truthful, I most likely never even turned the page over.

I previously owned a 2004 Lexus and, when I checked that policy, saw that I did have full coverage on that car. Why would the Hartford assume that I would not want the exact same coverage on a six year newer - not to mention much more expensive - car? I am appalled that this occurred and I blame you, the Hartford Insurance Company. I would NEVER have driven this car out of the showroom without full coverage, and I cannot understand how you would allow this to occur. While I am thankful that this occurred now and that I was not calling you to report that my car was totaled (finding out at that time that my coverage was indeed limited), I cannot fathom how The Harford Insurance Company could permit this to occur. When the Lexus dealer told me that they would take care of the insurance, I assumed that they would indeed do that. Lexus dealers will do anything for the customer. When they offer to carry out a task of this magnitude, one assumes that it is being done correctly and, if it is not, that the insurance company will contact the insured to correct the situation.

I have now corrected this situation, and I now carry full coverage on both of my cars. I am, however, seriously doubtful of the abilities of Hartford’s customer service. I have often spoken about how wonderful your insurance company is. I have recommended your company to everyone I know over the age of 50 (I even recommended your company to the salesperson I purchased the Lexus from; Mr. Rick R did not switch companies solely due to the fact that you could not offer him motorcycle insurance at a competitive price). I do not believe that this will occur in the future.

Al of Monterey, CA October 22, 2009

I got my car insurance from The Hartford. I gave them my credit card number and they sent me a policy and Insurance cards. Eight months later I received a letter from the State of Arizona recinding my car plates for lack of insurance. I contacted The Hartford. They told me that they droped me for lack of payment. I asked them why they didn't charge my credit card. They gave me no answer.

As a result, I got Insurance from another company but had to file an SR-22 with the state of Arizona which has to stat on my record for five years. My insurance cost doubled. As a retired person, I can't afford the increase in cost since I only have my social security and very little other income. The Hartford does drop people. Don't beleive there advertising.

Beverly of Wauchula, FL October 12, 2009

I called to see if there might be a grace period to pay the premium on my auto policy. #55PHK736544. This billing arrived at my residence while I was away and as it turned out I spent most of the month of September in the hospital in Wisconsin ( I have statements to verify this) As soon as I got back to IL where I had communication available, I called to see it it was possible to renew this policy.

Extenuating circumstances had entered into the situation however, as while the car was being towed by our motorhome. In the process of turning around the car jack-knifed against the rear bumper of the motorhome damaging the front corner of the car including the headlight & hood. I should be clear that the damage will be covered under the motorhome policy as the car was attached at the time therefore becoming a part of the motorhome unit.

Back to the car, I was refused renewal coverage on the car because it was damaged. Had I not been incapacitated at the time the premium was due, it would have been paid up to date. I'm asking for reconsideration of renewal of this policy because the car will be repaired before we use it again. Please consider that I have complete coverage of all of my vehicles & that this one needs to be reinstated. At present we have no transportation until our auto is repaired and covered again with proper insurance. This was not an accident that happened while the car was being driven.

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