Old American County Mutual Insurance United Automobile Insurance Services Under Estimates and Super Slow to Pay Claims (if at all) Addison Texas

My neighbor backed into my parked car at the first of August.(Live in a quadplex house and share a back parking area) She fully admitted she was in a hurry when she hit my car and gave me her insurance information.

As soon as I saw who it was...I immediately said "oh crap!" to myself. She had Old American County Mutual (the under writer is United Automobile Insurance Services). I've seen their offices around town and they advertise..."No License- No Problem". Really...people can go get auto insurance without a Driver License??

I have been a police officer for 11 years now and have seen and dealt with a lot of insurance companies over the years (working vehicle crashes and testifying in civil trials) and know this one to be one of the bottom of the bottom feeders. I called to file a claim and was on hold forever (bad sign from the git go). When I finally got in touch with a live human being, he began to interrogate me and treated me as if I were the one who caused this accident...even after several times me telling him my car was legally parked and unattended. I was told an investigator would come out to my house in about 5 business days.

I immediately went and got three estimates on my own as soon as I hung up. All the estimates were within $50 of each other...$1500. All three repair shops said "Oh Lord...we HATE dealing with Old American County". A few days after filing the claim, I received a letter in the mail from the insurance company.

The letter told me it would probably be faster and easier to just file a claim on my insurance and they would reimburse my insurance company. You kidding me?!?! I'm not going to have my rates go up for someone else'sdumb actions. On top of having to shell out my deductible out of my own pocket!

About a week and a half later this guy finally shows up to take pictures and do their own estimate. After an hour and a half, he finally provides with me with a $750 estimate (which of course I laughed at) and showed him the estimates I had gotten. He said they use aftermarket and sometimes USED parts to do repairs and gave me a list of "recommended" repair shops (none of which I had ever heard of...probably some shade tree body shops). I said no thanks and said I would take my car to one of the places I had received an estimate from (which by Texas law I can take it to any repair shop I want to).

I called the insurance company again to set up a rental car before I took my car in for repairs (which I was told would be about a week to repair). Again, on hold forever before a live human picked up. I was told that they do not pay for rental car, but they could reimburse me after I submitted all my paperwork with them...and in their words..."for consideration" - translation - "we probably won't pay your rental car claim". I called and called and called and attempted to speak with the claims adjuster who was assigned to my claim.

Every time I called, had to again wait and wait and wait for a human to pick up. Apparently she never works, because I never could get a hold of her. I left dozens of voice mails for her (and even her supervisor and supervisor's supervisor) to call me back...never once received a call back. Finally after a few weeks, I bit the bullet and took my car in for repair.

I took some vacation days so I wouldn't have to rent a car and be out any of my own money. During all of this, I did some homework on Diminished Values after wrecks. I found out my car was now worth $2900 less on trade in value due to this accident. Because a CarFax will show front end collision.

I contacted them again and of course received the major run around on this matter. But finally I was told to submit any paperwork I had and an investigator had to come back out to my house to take post repair photos. Waited and waited for a few weeks and this guy finally shows up. He takes his pictures and says give it a few days.

Several weeks later I'm still in dark. I call every couple of days and play the waiting game on hold and when someone does answer, it is "your claim is in the hands of one of our estimaters". It's now November and I'm sure if and when I receive any money from them it will be a huge slap in the face and be almost laughable. I do feel sorry for people who actually have this insurance company or have had someone with thisinsurance company cause an accident that involved actual major damage.

One thing I can say, and tell other people is, cut rate insurance may be cheap to get...but will ultimately end up costing you much much more in the long run (if you actually need them).If you are in an accident and the other people have Old American County Mutual...just go ahead and get you a decent lawyer!