Accident Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Accident Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Accident Insurance Company (AIC) at a Glance

  • Founded in 2003
  • Specializes in workers' comp coverage
  • Offers commercial products
  • Coverage available in 17 states
  • Rated "B+" by the Better Business Bureau (BBB)
  • 24/7 claims reporting

AIC pros: Offers 24/7 claims reporting by phone. Two coverages available.

AIC cons: Coverage not available nationwide. Not rated by AM Best. Lower than average rating through the BBB. Negative customer reviews. Limited product catalogue.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Accident Insurance Company Offer?

AIC is a specialized insurance company. Their insurance products include the following.

  • Workers' comp insurance
  • General liability insurance

An independent insurance agent can help you find more information about the coverages offered by AIC, and help you decide if this insurance company is right for you.

What to Know about Accident Insurance Company

Founded in 2003, Accident Insurance Company has nearly two decades of experience within the insurance industry under their belt. The insurance company specializes in providing two quality forms of coverage for the commercial industry: workers' comp insurance and general liability insurance.

The insurance company's LinkedIn network reports that AIC has between 50-200 employees total. The carrier is licensed to sell its products in 17 states across the country. While the carrier is not rated by AM Best, the leading credit organization monitoring the insurance industry, AIC does boast strong financial strength and affordable, quality coverage.

What Discounts Does Accident Insurance Company Offer?

AIC does not make information about its specific discounts readily available. However, an independent insurance agent can help you find any discounts you may qualify for. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.


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Accident Insurance Company Customer Service

Here's a breakdown of AIC's customer service options and availability.

  • Phone contact option
  • Fax contact option
  • Email contact option
  • Snail mail contact option
  • 24-hour claims reporting by phone
  • Customer service phone department hours not specified

The best way to ensure a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.


What is AIC's average claim response time frame?

AIC does not specify a claims response time frame.

What is AIC's customer service availability?

AIC allows customers to contact them through several mediums, including phone, fax, and email. While their customer service department does not specify business hours, their claims department is available 24/7.

What is AIC's claims process?

AIC does not specify their claims process beyond how to file. However, an independent insurance agent can seriously simplify this process for you by filing claims through the insurance company and keeping you updated every step of the way.

Does AIC create a user-friendly experience for customers?

AIC's website could benefit from adding further information about customer service department hours and claims processing. Overall, AIC could stand to improve its user-friendliness a bit.

Does AIC have good general liability insurance?

AIC offers two major forms of coverage. Their general liability insurance lists the following features and perks.

Artisan/trade contractor highlights

  • Payroll up to $1,000,000
  • Occurrence form
  • $500 minimum premium
  • $1,000,000/ $2,000,000 limits available
  • Over 80 classes available
  • New ventures eligible

General contractor highlights

  • Minimum premiums range from $600 to $1,150
  • Work completed by insured subcontractors
  • Full occurrence form available
  • $1,000,000/ $2,000,000 aggregate limits available
  • Residential, commercial and “paper” contractors acceptable

An independent insurance agent can help you find more information about AIC's general liability coverage, as well as their other available products.

Is AIC a good insurance company?

AIC is one of the younger carriers on the market today, and it's hard to give them a solid rating without one from AM Best to back us up. The carrier is only rated "B+" by the Better Business Bureau, which is noticeably lower than many other insurance companies'. 

There have also been quite a few complaints filed against them in recent years. So, it may be up to individual interpretation whether AIC can be considered a good insurance company.

AIC Customer Reviews

Better Business Bureau
This place is extremely difficult to work with when they are being held liable for damages. They act as if there is only one point of contact and it's impossible to get someone else to help you. [. . . ] I can't think of another time where I've been lied to and manipulated to the extent that [the claims adjuster] has. Stay away from this place! And if you're on the other side, like I am, hire a lawyer!! She refuses to forward me to a manager or a different agent to help me. She said she has reviewed my case along with a manager but cannot provide proof or let me talk to the person who did the review. These people are bad news!!!

Better Business Bureau
[ . . . ] I asked to speak to [the claims adjuster's] supervisor and asked her supervisor's name and she indicated that she REFUSES to give me that information and that she's going to hang up on me and she did. I called my agent to inform them of what occurred and to ask them if they can obtain the name of the supervisor. We called them on a three-way call. [They] told them a totally different story. She also on that call refused to get her supervisor and she also hung up on us, again.

Better Business Bureau
I wish I could give this company zero stars. I despise this insurance! I was hit by a driver insured through this company. The driver merged right into me and AIC refuses to take responsibility. [. . . ] I will be taking this case to small claims and my insurance will send this claim to arbitration. I have read nothing positive on this company and now I know why. They have no understanding of professionalism. Period.'s Final Review

We award Accident Insurance Company a final rating of 2 out of 5 stars. For starters, AIC is one of the younger carriers around today, with less than two decades under their belt. The insurance company is not rated by AM Best and has a lower than average rating through the BBB.

It's difficult to find customer feedback for the carrier, and the only feedback to be seen are very negative accounts. AIC also only currently offers two types of insurance in less than half the states across the US. So, our final recommendation is to work with your independent insurance agent to survey your other options, and skip looking into AIC.

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