A Comprehensive Guide to Hartford Car Insurance Claims
TABLE OF CONTENTS
The Hartford offers a wealth of coverage options and the continual security of a lifetime exclusively for AARP members. Understanding the ins and outs of your policy is crucial when an accident happens. This guide aims to demystify the claims process, empowering you to make informed decisions.
We’ll walk you through everything: reporting an accident, understanding your coverage, and filing your car insurance claim. Our experienced Text Kevin Accident Attorneys team becomes invaluable when things get complicated.
The team fights for your rights, ensuring you receive the maximum compensation you deserve. After all, insurance is meant to protect you, and understanding the process is key to getting the most out of your policy.
TABLE OF CONTENTS
Is Hartford a Good Insurance Company?
The Hartford, in partnership with AARP, provides competitive rates for drivers 50 and older. Their reputation is solid, with an A+ Better Business Bureau rating and strong J.D. Power scores. Plus, over 35,000 customer reviews on their website showcase a high satisfaction rating of 4.8 out of 5 stars.
To make an informed decision, it’s crucial to weigh up its pros and cons:
The Hartford’s Advantages:
- The Hartford regularly receives top marks in J.D. Power studies, which speaks to the company’s commitment to positive customer experiences.
- The company offers several insurance products and add-ons, allowing you to tailor a policy that aligns with your needs.
- The A+ rating from AM Best reflects The Hartford’s strong financial standing. This signifies the company’s ability to handle claims, reliably providing policyholders with peace of mind.
Important Factors to Consider:
- The Hartford’s policies are only available if you’re an AARP member. This exclusivity limits accessibility for some.
- While The Hartford is competitive, research indicates that some other insurers may offer similar coverage at lower rates.
- The Hartford’s higher-than-average complaint index with the National Association of Insurance Commissioners (NAIC) warrants attention. Balancing these concerns with their consistently positive J.D. Power ratings is important.
Note
Due to its AARP exclusivity, independent customer reviews for The Hartford are limited. This reinforces the importance of careful research and obtaining multiple quotes before making a final selection.
How Do I Contact Hartford Insurance in California?
Here is how to get in touch with The Hartford:
- Quotes & New Policies for AARP auto members, dial 888-546-9099
- Non-AARP auto members: dial 877-896-9320
- Existing auto customers (AARP & Non-AARP), dial 800-423-6789
Additional Contact Options:
- Español: 877-621-4981
- Hearing Impaired: 800-877-8973
Special Services:
- RESCUE 1-800®: 800-322-7789
Mailing Address:
- General Correspondence: AARP Insurance Program The Hartford P.O. Box 14219 Lexington, KY 40512
- Auto & Home Applications: AARP Auto Insurance Program The Hartford P.O. Box 14215 Lexington, KY 40512
Fax: 877-293-2072 (Include your name, state, zip code, and policy number).
How to File a Claim with Hartford?
If you need to make a car insurance claim, it’s reassuring to know that the AARP® Auto Insurance Program from The Hartford® aims to make the process as easy and stress-free as possible. Customers consistently give them high ratings for their claims experience.
Here’s how the AARP Auto Insurance Program from The Hartford assists you:
Reporting a Car Insurance Claim: You can report by phone or online 24/7 after a car accident. Once you’ve reported your claim, they’ll immediately start working to resolve it.
Describe and Document the Car Accident: A professional claims rep will be assigned to your case. They will help you thoroughly document the accident, witnesses, and damages. The personal claims rep also asks about any injury, including personal or burn injuries.
Capture and Submit Photos: You may be asked to take and share photos of your vehicle using their guided online tool. These photos help document the accident and the extent of the damage to your car.
Tracking Your Car Insurance Claim: The AARP® Auto Insurance Program from The Hartford makes tracking your claim’s progress easy. You can contact your claims representative with questions or check the status online anytime.
How Long Do You Have to Report an Accident to Hartford Insurance?
After an accident, prompt reporting to your insurance company is crucial. Timely reporting expedites your claim and ensures a smoother overall experience.
Is Hartford Good at Paying Claims?
The Hartford holds strong financial ratings: an A+ from the BBB highlights customer trust and an A+ from AM Best signifies financial solvency. The Hartford offers financial security and decent customer service, but its AARP exclusivity and potential for higher costs may be better choices for some.
Text Kevin Accident Attorneys can help you analyze insurance options and navigate the complexities of claims. Our goal is to find you optimal protection at the best possible price.
How Long Does Hartford Take to Pay a Claim?
There’s no single answer to how long The Hartford takes to pay a claim. Here’s why:
- Claim types such as simpler claims, like a cracked windshield, tend to be resolved faster than complex ones involving injuries or liability disputes.
- If you provide all necessary documentation promptly, the process will be faster than if The Hartford needs to request additional information repeatedly.
- Some claims require more in-depth investigations, which take longer. This is common in accidents with unclear fault or severe injuries.
Tip
But you can expect The Hartfor to acknowledge your claim quickly, usually within a few business days. Besides, they are legally bound to handle claims promptly. If you have concerns about delays, contact them directly for an update and explanation.
How Much Does Hartford Pay for Bodily Injury?
Bodily injury liability (BI) insurance is essential to responsible driving. If your accident cause causes injuries or wrongful death, BI helps shield you from potentially devastating financial consequences. It’s required by law in California.
California law mandates the following minimum BI liability limits:
- $15,000 per injured person, per accident: This is the maximum your insurance will pay for any person’s injuries.
- $30,000 total per accident: This is the maximum amount the insurance will pay for all injuries in a single accident, regardless of how many people are hurt.
When you’re at fault in an accident, your BI coverage can help pay for the following costs incurred by those in the other vehicle(s) or pedestrians:
- Medical Expenses: Covers the full range of care, from emergency services to extensive rehabilitation and ongoing treatment.
- Lost Income: Compensates the injured party if the accident prevents them from working.
- Legal Fees: This helps pay for your legal defense costs if you are sued for damages.
- Pain and Suffering: Provides compensation for the physical and emotional hardship caused by the accident.
- Funeral Expenses: Can assist with these costs in the tragic event of a fatality
Pro Tip
You will likely need additional coverage like Medical Payments (MedPay) or Personal Injury Protection (PIP) for yourself and your passengers. If the at-fault driver has little or no insurance coverage, your Underinsured/Uninsured Motorist (UM/UIM) coverage becomes crucial.
While meeting the legal minimum is essential, experts strongly recommend higher BI limits. Medical costs can quickly exceed the state minimums, especially in cases of catastrophic injuries, traumatic brain injuries, or spinal cord injuries.
Increasing your coverage helps protect your assets (like your home or savings) if you’re found liable for a costly accident.
Though not required, Uninsured Motorist (UM/UIM) coverage is a smart investment in California. It protects you financially if a driver hits you without insurance or with insufficient BI coverage.
How Do I Dispute a Claim with Hartford?
Disputing a claim with any insurance company can be frustrating. If you’re facing difficulties with The Hartford in California, here’s a step-by-step guide on how to proceed:
- Your agent is the first point of contact. Explain your concerns clearly and see if they can help resolve them directly.
- If your agent needs to be more helpful, escalate your dispute by filing a formal complaint through Hartford’s website or by writing a letter to an executive. Clearly outline your reasons for disagreement and include copies of all relevant documents.
- Consider the California Department of Insurance, which can help mediate the disputes between you, the policyholder, and Hartford, the insurance company.
- Get Help from Text Kevin Accident Attorneys: If you’re facing a complex claim dispute, especially involving disability insurance denial or significant damages, the experienced attorneys at Text Kevin Accident Attorneys can help. We specialize in insurance disputes and can fight to protect your rights.
Frequently Asked Questions About Hartford Insurance
For further assistance, here are the six most commonly asked questions regarding The Hartford car insurance claims.
What is an insurance claim?
An insurance claim formally requests The Hartford for compensation after a loss covered by the insurance policy. The Hartford will then review your claim. They will pay you or an authorized party to cover your losses if approved.
Can you file an insurance claim without a police report?
You can file your claim with The Hartford without a police report. But in minor incidents like a cracked windshield from flying gravel, most auto insurance companies, including The Hartford, likely won't require a police report.
They understand that these situations happen and generally trust your account of events. If you call the police but cannot conduct a full investigation, they might provide you with a form to document the incident yourself.
However, for any collision involving another vehicle or damage to private property, it's highly recommended to file a police report. This creates official accident data, which helps when dealing with insurance claims.
How soon can you file a claim after getting insurance?
You can file your claim immediately after the insurance becomes effective, as long as it’s due to an event after implementing the policy. But, many insurance companies, including The Hartford, do not set a specific time frame. Instead, they require “prompt” filing of a claim or "within a reasonable time.
Does insurance go up after a claim?
Your car insurance premium will likely increase if you're involved in an at-fault accident and don't have first-accident forgiveness coverage. The exact rate increase will depend on the severity of the accident and your driving history.
However, the Hartford's AARP Auto Insurance Program offers AARP members important benefits for extra protection.
Can insurance deny a claim?
Like any insurance company, Hartford can deny a car insurance claim. Here are some common reasons for denial:
- Lapse in coverage time
- Policy exclusions or Llimits
- Law Violations, e.g., driving under the influence
- False or misleading information
- If it's unclear who caused the accident
Does Hartford cover rental cars?
In most cases, yes. If you have collision and comprehensive coverage on your existing Hartford auto insurance, it likely extends to rental cars. This includes rentals needed after an accident or those used for vacations within the US, its territories, Puerto Rico, or Canada.
Moreover, Hartford's AARP® Auto Insurance Program covers rental car reimbursement. With this, Hartford helps pay for your rental car after an accident.
Contact Our Car Accident Lawyers Today for Legal Help with Your Hartford Insurance Claim
Dealing with an insurance company after an accident can be a nightmare. The Hartford may try to minimize your claim, delay payments, or even deny it altogether. Don’t fight them alone. Text Kevin Accident Attorneys specialize in insurance claims to get you the compensation you deserve.
Let us handle the complexities of your Hartford insurance claim. Our California car accident lawyers will thoroughly review your policy, build a strong case on your behalf, and negotiate aggressively for the maximum settlement. Contact us today!
Kevin received both his bachelor’s degree and law degree from the University of California, Irvine. He is the managing partner of Text Kevin Accident Attorneys and is recognized as a standout in plaintiffs’ litigation for personal injury law by Best Lawyers, the oldest and most respected legal peer-review publisher. Kevin has written for several law magazines and is an award-winning car accident lawyer in California.
Check the Strength of Your Car Accident Case
Check the boxes that apply to you to see how strong your case is
Case Strengthometer
0%
The "Strengthometer" should not be relied upon as a replacement for professional legal counsel, nor should it be utilized in such a manner. The "Strengthometer" serves solely for promotional purposes, offering visitors an insight into possible case elements. Your specific case will entail distinctive factors and should be assessed independently by a competent attorney. 
Get 24/7 Support
Our California Offices:
7700 Irvine Center Dr, Ste 400
Irvine, CA 92618
Call: 714-714-7100
Text: 714-714-7100
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
617 S Harbor Blvd, Unit A
Anaheim, CA 92805
Call: 714-714-7100
Text: 714-714-7100
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
106 W 4th St, Ste 315
Santa Ana, CA 92701
Call: 714-714-7100
Text: 714-714-7100
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
13800 Heacock St, Ste C230H
Moreno Valley, CA 92553
Call: 951-234-3818
Text: 951-234-3818
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
12440 Firestone Blvd, Ste 3025-A
Norwalk, CA 90650
Call: 562-579-2329
Text: 562-579-2329
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
44105 Jackson St, Ste 310
Indio, CA 92201
Call: 760-400-0000
Text: 760-400-0000
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
201 N Palm Canyon Dr, Ste 220C
Palm Springs, CA 92262
Call: 760-400-0000
Text: 760-400-0000
Office Hours
- Monday Open 24 hours
- Tuesday Open 24 hours
- Wednesday Open 24 hours
- Thursday Open 24 hours
- Friday Open 24 hours
- Saturday Open 24 hours
- Sunday Open 24 hours
Get a FREE Case Review
Get a FREE Case Review
100% Secure & Confidential
