Friday 30th of November 2018 11:14:30 AM
On October 3 of this year my legally parked car was hit by a motorist insured with American Freedom Insurance. I wasn't in the car, and the motorist asked a resident from the neighborhood about the owner of the car. The resident rang my doorbell, and I went outside to check on the car. The motorist explained that he hit my car while trying to retrieve a cell phone that he dropped in his car. I called the police who issued the motorist a citation. I then called my insurance company (Allstate) who advised me that I would have to pay a deductible ($1,000) if I filed a formal complaint with Allstate. I then decided to contact American Freedom Insurance, and that's when all of my problems began.I received nothing but stalling and poor service from the claims adjuster. He didn't return my calls or my e-mails. I had to initiate the calls. Their appraiser came out to check my car for damages on 10-11. After leaving messages for the adjuster, I was finally able to reach him on 10-17, and he told me that the pictures and notes taken by the appraiser were still under review. He said the appraiser's information needed to be double checked and that he wouldn't accept the results of his own agent. However, he didn't tell me another appraiser would come out to examine my car. I told him that it was unbelievable that he would doubt the reliability of his own agent.He also said his company needed to determine liability for the accident. His client hit a car that was legally parked on the street, which is noted on the crash report. This was a one-person accident. Whose fault could it be but the motorist plus the motorist admitted that he was solely responsible. This was simply a stalling technique and an attempt to avoid paying me money for the repair or loss of my car. Finally, on 10-20 I decided to contact my own insurance company and file a formal complaint. By 11-4 their appraiser had examined my car, declared it totaled, and I received a check for the loss of the car. So in less than two weeks Allstate was able to do what American Freedom Insurance wasn't able to do in a month.American Freedom Insurance authorized my use of a rental car, and I returned it on 10-21. I then sent a letter to them asking for reimbursement of the amount I paid for the rental car by 11-11, or I would sue their client in Small Claims Court. Based on past performance from this company, I don't think I will receive any money. So, I guess I will be off to file the suit next week. American Freedom Insurance should not be allowed to have an insurance license. The company is irresponsible and incapable of dealing with people honestly. I will be contacting the BBB, the Illinois Insurance Board, and any other agency that I think will censure them and keep them from doing business again with anybody.