American Freedom Insurance Reviews

American Freedom Insurance
American Freedom Insurance

American Freedom Insurance Online Insurance Reviews

No one should get this insurance. They will not help you or pay for anything. My car was flooded out. I had full coverage. After totaling my car out they denied my claim. Their reason was because I did it on purpose. After weeks of arguing with them all they did was hang up on me. Good thing I have an amazing lawyer.

Had an accident, with one of their clients, police report cited they're insured, they accepted responsibility. Its been 7 weeks, no settlement received on damages to vehicle. Dec. 10th was date of accident, smh.

We have a 98 Oldsmobile and we were hit on the rear passenger side. Not sure how it happen because we came out of a store and there it was. American freedom has been giving us the run around and calling us right when they are about to close. I see these reviews and I agree 100% these people are clearly not worth dealing with and need to be shut down.

My parked truck was in front of my house when a woman came around the corner and totaled it. She tried to flee. My neighbor chased her down, brought her back in, the police came and filed a report. She said she had insurance which was American Freedom Insurance. She said she had a license and we filed a police report. I called their insurance. I got a claim number. They said they would send an adjuster in one to two days. Accident occurred about 10:10 a.m. Friday 9/22/2017. Tuesday comes along 9/26 /2017 at 4:30 p.m. I called then I'm informed that this person hasn't had insurance with them since February 2016. Now why would someone lie and give me a claim number and tell me someone was coming if they weren't and why didn't they call and tell me that they aren't now. This person is not going to pay me.

I got insurance through an agent insure on the spot which sold me the insurance and told me everything that was covered under full coverage bodily uninsured motorist etc, rental reimbursement. I was in a car accident and found out differently. My bodily only covers the other person not my injuries. My rental is only covered for 3 days because my car is totaled which is not on the policy I have. And also a tree stalk fell on my car back in April and put a small dent in my car and I contacted them but the claim was never open and they closed but now telling me I have to pay 2 500 deductible. It's just a lot and this has been the worse 7 days of my life with a insurance company that don't want to pay for anything.

April of 2017 I was rear ended by a mini van, person driving is insured with American Freedom Insurance, I am still waiting for my car to be fixed. Insured states the paperwork required was completed and sent to AFI, I was required to complete the same paperwork which was done and returned. Took my car to their recommended body shop; they sent the required estimate and pictures of damage to AFI.

AFI is refusing to pay for the following reasons: They state they have no proof that the insured hit my car, I should have gotten a police report. Police in Indiana will not complete an accident report if the damage is below a specified dollar amount and there was no personal injury... both of which are the case with this accident.

I recommended the insured look for a different company to do business with, this company is a farce. After reading the other comments it doesn't matter if you are the insured making a claim or the person hit by the insured. AFI takes your money and doesn't pay their claims. RIP OFF.

American Freedom's insured rear-ended my car. Initially, the driver wanted to pay damages out of her pocket but after I got two estimates, she told me to go through her insurance co. (American Freedom). I mitigated my damages (did without a car while my car was being repaired), made a small claim for car damages (none for bodily injury) which was under $800.00, and took the car to their repair shop (which was over 45 minutes from my home and where the accident happened). They still would not give me an answer about payment after calling several times. When they did call, it was only after I contacted the Better Business Bureau. Then they offered only 75%.

This company is not fair and relies on people taking what they can get. Today, after reporting them to Illinois Department of Insurance (four months after the accident), I finally got a copy of the damages from their repair shop (mind you it was from the Illinois Department of Insurance, not American Freedom). Now I will be spending time and money to sue in small claims court. I hope more people do not let this company get away with such poor business conduct. In my opinion, American Freedom is an unfair company!

I purchased a policy just from producer, Brya Insurance, and was insured by American Freedom for full coverage on my 2015 Dodge Avenger. Unfortunately, I was in an accident on I-57 S highway when a man chose to text and drive, lost control of his car and I t-boned his car that was sitting in the middle of the highway at 70 MPH.

I reported the accident two days later to AM FAM, paperwork was mailed out/returned and the wait began, this was January 4, 2016. AM FAM denied my claim with reason being I failed to initially disclose self-employment as a home care provider thinking that I used my car for the course of business. At that time, AM FAM mailed my payment back to me and applied remaining monies to the month after my accident!

I never used my car for business, my lawyer advised me to file complaint with an Insurance Regulatory Commission (Illinois) and I did in 02/2016. I provided the Insurance Regulatory with proof that I used my car to drive to my place of business and home daily and reconfirmed the policy with the original producer to ensure accuracy.

After waiting, and continuing to make my monthly car payments of 480.00 while injured and out of work, 07/06/16, GM financial, my car insurance company received 10,423.00 dollars towards the cost of my car. AM Fam initially only agreed to replace my car up to 12,800.00, at this time they reduced it by storage fees of my totaled car, deductible and other miscellaneous fees. I still owe 3500.00 on a totaled car and walking.

AM FAM is difficult to reach by phone, it's a phone maze to get through just to speak to a live person, the hours are inconvenient, no employee is accountable to you and most of the customer service rep seem to speak English as a second language which I believe contributed to the initial lack of understanding when I made the claim in the first place in which I was denied. I will NEVER recommend anyone to use this company for ANY reason!

My son was driving my car when a American Freedom Insurance client pulled out of a parking lots without stopping and my son try to avoid him but he stopped and blocked both lanes. He got a ticket. Well I filed a claim and they denied me for my car plus my son's medical bills. So I called the Department of Insurance Consumer Complaint. I am filing a complaint about this insurance company and how they did me wrong. Maybe if more people would file complaints -- whatever state you live in, there is a Department of Insurance file -- it might get people like us justice.

My truck was rear ended by their policy holder. They sent me to an auto place to have it appraised and photos sent to them. I was told I didn't have to go with the body shop but when I went to a Chevy dealership to make sure I had Chevy parts put on my car and the correct color paint put on my truck. A month later my car is not fixed and the insurance company has argued with me as well as the Chevy dealership saying I have to pay whatever extra they charge when their policy holder was at fault. They even told me to go through my insurance company and have them fix it.

This company is horrible and need to be shut down because they are letting their policy holders drive around and when they hit people, the innocent party has to deal with the consequences while they don't pay out or pay as little as possible and try to have the innocent party use their own insurance.

My husband had an accident on I80/94 coming home from work in Illinois. He was hit by a car from the rear that was going at an excessive amount of speed. The person that hit him died on the scene. They had no insurance coverage. We submitted a claim immediately and retained an attorney. They denied the claim for 3 attorneys with a bogus response of our vehicle not being registered in the state of Indiana. We found documentation showing our Indiana address. We filed a complaint with the IN department of insurance. They closed our original complaint, but reopened it after we submitted the new info with the IN address. The original date of the accident was 3/06/16. We still have no car and my husband has been at home with his injuries from the accident since that time.

We reached out to the media who has received some answers, but nothing concrete at this time. Just recently contacted FIO (Federal Insurance Office) and unfortunately, they don't help with specific insurers or individual claims. It is clear after reading all of the numerous complaints that there is no one that can clearly hold this company accountable, which is sad. They continue to collect from consumers never offering compensation for claims. And from what I can see this has been ongoing since 2010. I want to know how can they continue to do this as a company, and why are they still in business.

I was run into by someone insured by this sham of an insurance company. I followed protocol and sent them the police report that cited their driver to be at fault. They offered to pay for only 40% of the repairs because "their driver said it was your fault". Please note their driver was an illegal immigrant driving without a license and made this claim from a jail cell. I am now on the line for the rest of the repair. They won't take my calls or let me speak with a manager.

I've had 2 car wrecks in 4 years. Insurance and reputable shops had different estimates. Insurance said the car may be fixed for $4,000, but may be totaled. Insurance would send the car far away, creating job loss for me and medical concerns monitored by MD due to no money left to pay for rental car/taxi. I emptied all of my IRA to buy a car and only asked the insurance company to pay the $4,000, and forgive the amount really owed. My 2nd accident wasn't my fault. I didn't receive ticket because I hit a patch of black ice. It was my only serious accident and everyone who saw the car was shocked that I lived. I lost consciousness, was in shock, chewed and swallowed glass. It was clear total loss. I wasn't given a ticket as weather and patches of ice were the cause.

The insurance company agreed it's a total loss, but had me repeat the story. After I said it, it caused anxiety and panic. I said my memory was poor from the loss of consciousness. I was crying as they forced me to relive it. When I called to verify they received records, I was told to stop calling and threatened to not pay my settlement if I called again. They've hung up on me 6 times, said they don't care if I'm injured or ill and personally insulted me. After going through the BBB, they agreed to pay both settlement amounts after I faxed the papers. Now they say they won't pay the 1st claim because it's beyond 90 days (in fine print, never told to me) and refuse to say if they'll pay the 2nd claim either, even though it's within 90 days (giving no reason). I asked them to speak respectfully to me and they refused to do so.

Without a car, I have no way to get to work or go to my regular MD appointments and get blood work done to remain medically stable. They said they didn't care and made a bizarre remark, saying I had terrible work skills. I have never in my life had a company talk and behave in such an inhumane and careless manner, with no ability of empathy or even a basic level of appropriate communication. They have also withdrawn their initial offers, as they threatened to do, if I called them again for status. One woman I spoke to last week was kind, understanding, helpful and agreed the claims would be processed and checks for both sent out after receipt of paperwork. Everyone else has said they will pay nothing for either claim, even though I've made payments to them for years.

The Better Business Bureau suggested I call the IL Dept of Insurance given the poor service that even the Better Business Bureau experienced during their interaction with American Freedom. None of them seem to understand how to do their job in an understanding, compassionate way which would make things easier for all of us. When I suggested this, they responded with more harmful personal remarks and hung up on me again. I don't have any experience dealing with people like this, except with some of my patients who are mentally ill. I'm only asking for the 2 amounts they originally agreed to pay me and I want it handled ASAP.

This is extremely stressful as it negatively affects my personal health, my ability to work, keep my home and support myself. I'm only asking for the amounts they offered to pay, which don't even include the car rental bills they are supposed to pay. I'm accepting what they offered last week, but there is only one person who converses politely and I'm a loss of what to do. As a therapist, I can see many ways I could improve their interpersonal skills and empathy, which makes their job more stressful and takes more time than being kind. I don't have photos, but they do.

Since they keep bringing up a 90-day time limit and won't tell me whether they will even pay for the 2nd accident, which falls within the 90 days, I fear they will sit on my file until 90 days have passed then refuse to pay it as they've done with the 1st claim. I'm shocked that a company would allow employees to act in harmful ways to people like me, who expects people to be helpful, understanding and kind. I see no benefit for them to be this way for them or the people they harm.

I pulled in to 7 Eleven parking lot. I didn't had the chance to get put the car, when a truck right next to me started to pull out. He turned his wheel to quick, scraping the side of my car. Made a police report. The officer stated that it's his fault. Made a claim with his insurance. Haven't received one phone call from them. And when I call them they don't want to cooperate.

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