What do you insure?
The AARP Automobile Insurance Program from The Hartford insures the following: personal automobiles, pickup trucks, motorhomes, recreational vehicles, travel trailers, utility trailers, classic and antique vehicles, motorcycles, mopeds, scooters, all-terrain vehicles and jet skis. *Subject to eligibility requirements that vary from state to state.
How are rates set?
All insurance companies use statistical history to set rates because they
reliably predict future claims. Rates are based on the loss history of all AARP
policyholders, the amount needed to pay expected claims and our business expenses. Do automobile rates differ by policyholder?
Yes. The AARP Automobile Insurance Program is not a group policy. The rate
depends on individual characteristics, such as driving history, accidents, violations, type of vehicle, use of vehicle, age of driver, and number of miles driven annually. Is there a discount for taking AARP's 55 Alive Program?
Yes. In all but one state (NJ), a discount (usually 10%) is offered upon
successful completion of the 55 Alive Course or any other nationally recognized defensive
driver program. The discount is good for three years. Does an accident cause a
premium to go up? Does the AARP Insurance
Program have local agents?
No. With the exception of claims offices, all service is provided either through
the mail or by phone on toll-free numbers. How are claims filed and
questions answered?
For both automobile and homeowners insurance program claims, there is a
toll-free claims hotline available 24 hours a day, seven days a week. The claims
representative provides step-by-step guidance through a procedure that keeps paperwork to
a minimum. Is a claims representative
sent to handle a claim in person?
Claim representatives try to settle claims over the phone as often as
possible. But if a personal visit is needed, a claims adjuster will be sent to inspect the
car or home, assess the damage, and handle the claim. Can a policy be canceled
due to an accident?
No--not with the AARP Auto Insurance Program. As long as simple
requirements are met, a policy cannot be canceled or non renewed. Those requirements are:
Are there eligibility and
underwriting guidelines that must be met?
Yes. To offer the programs to a broad spectrum of AARP members and keep the
programs competitive, we must establish specific eligibility requirements. These ensure
that the majority of members will qualify while minimizing the company's exposure to those
with a worse-than-average loss history. Does AARP monitor The
Hartford's service?
It's possible. If the accident is the insured driver's fault and results in
bodily injury or property damage in excess of a certain threshold (usually $500), the
premium would probably increase at renewal. The amount of the increase varies by state.
Yes. Each month AARP staff meets with The Hartford management and staff to review
all aspects of service delivered to its members. This includes actual monitoring of phone
calls and reviews of service performance statistics and results, to ensure that The
Hartford continues to live up to its commitment of excellent service to AARP members.
AARP also works closely with The Hartford management to identify problems and
develop appropriate solutions.
The program features or coverage descriptions above are general and for information purposes only. Actual claim coverage in the event of a loss would be determined by your policy's terms and conditions.