Auto Club South Insurance Company, Florida: Overview, Products, Finances, Coverages, Reviews

If you are looking for a trustworthy and affordable insurance company in Florida, you might want to consider Auto Club South Insurance Company( ACICF).

ACICF stands for Auto Club Insurance Company of Florida, and it is a subsidiary of The Auto Club Group, which is the second largest AAA club in North America. ACICF offers a range of insurance products and services, including auto, home, life, flood, and umbrella insurance. In this blog post, we will review some of the key features and benefits of ACICF, as well as some of the customer experiences and feedback.

ACICF Company Details

ACICF was founded in 1990 as Auto Club South Insurance Company, and it changed its name to Auto Club Insurance Company of Florida in 2007. The company is headquartered in Tampa, Florida, and it operates as a domestic for-profit company. The current CEO and president of ACICF is Charles J. Podowski, who also serves as the executive vice president of insurance operations for The Auto Club Group.

The company has a market share of 0.29% in Florida, and it ranks as the 46th largest property and casualty insurer in the state.

ACICF Basic Information

Here is a table that summarizes some of the basic information about ACICF:

ACICF Services & Products

Auto Club South Insurance Company offers various types of insurance products and services to meet the needs and preferences of its customers. Some of the main categories are:

• Auto Insurance: ACICF provides auto insurance coverage for personal and commercial vehicles, including cars, trucks, motorcycles, RVs, boats, and trailers. The company offers liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, rental reimbursement, towing and labor, and gap coverage options.
• Home Insurance: ACICF provides home insurance coverage for homeowners, renters, condo owners, and mobile home owners. The company offers protection for the dwelling, personal property, liability, loss of use, and other structures.
• Life Insurance: ACICF provides life insurance coverage for individuals and families. The company offers term life, whole life, universal life, and variable universal life insurance options.
• Flood Insurance: ACICF provides flood insurance coverage for properties located in high-risk flood zones. The company offers protection for the building and its contents from flood damage caused by heavy rain, storm surge, melting snow, or overflowing rivers. Customers can also purchase excess flood insurance to increase their coverage limits beyond the standard policy limits.
• Umbrella Insurance: ACICF provides umbrella insurance coverage for customers who want extra liability protection beyond their primary policies. The company offers coverage for bodily injury, property damage, personal injury, and legal defense costs arising from lawsuits or claims against the customer. Customers can choose from various coverage limits ranging from $1 million to $10 million.

ACICF Financial Details

Auto Club South Insurance Company strives to provide competitive and affordable insurance rates for its customers. The company also offers various payment options, discounts, and promotional offers to help customers save money and manage their budgets. Some of the financial details of ACICF are:

• Premium Costs: The premium costs of ACICF vary depending on the type, amount, and duration of coverage, as well as the customer’s personal and vehicle information, driving history, credit score, location, and other factors. Customers can get a free quote online or by phone to compare the rates and options of ACICF.
• Payment Options: ACICF offers flexible payment options for its customers. Customers can choose to pay their premiums monthly, quarterly, semi-annually, or annually. Customers can also choose to pay their premiums by mail, phone, online, or through automatic bank withdrawal.
• Discounts and Promotional Offers: ACICF offers various discounts and promotional offers for its customers to lower their premium costs. Some of the discounts and offers include multi-policy discount, multi-vehicle discount, good driver discount, good student discount, defensive driving course discount, anti-theft device discount, low mileage discount, loyalty discount, AAA member discount, and more.
• Claim Payout Ratio: The claim payout ratio of ACICF is the percentage of the premiums collected by the company that are paid out as claims to the customers. The claim payout ratio of ACICF is not publicly available, but according to AM Best, the company has a financial strength rating of A- (Excellent) and a long-term issuer credit rating of a- (Excellent), which indicate that the company has a strong ability to meet its ongoing insurance obligations

ACICF Coverage Details

ACICF provides comprehensive and customized insurance coverage for its customers. The company also discloses the policy exclusions, coverage limits, and add-ons or riders that affect the scope and extent of the coverage. Some of the coverage details of ACICF are:

• Policy Exclusions: Policy exclusions are the situations or events that are not covered by the insurance policy. Some of the common policy exclusions of ACICF include intentional acts, fraud, war, nuclear hazard, wear and tear, mechanical breakdown, mold, fungus, vermin, earth movement, water damage from flood or sewer backup, and more. Customers should read their policy documents carefully to understand the full list of exclusions and limitations.
• Coverage Limits: Coverage limits are the maximum amounts that the insurance company will pay for a covered claim. The coverage limits of ACICF vary depending on the type and amount of coverage chosen by the customer. Customers can also increase their coverage limits by purchasing excess or umbrella insurance from ACICF.
• Add-ons or Riders: Add-ons or riders are optional features that enhance or modify the insurance coverage. ACICF offers various add-ons or riders for its customers to tailor their policies to their specific needs and preferences. Some of the add-ons or riders offered by ACICF include roadside assistance, accident forgiveness, new car replacement, original equipment manufacturer parts, identity theft protection, water backup coverage, equipment breakdown coverage, personal umbrella liability, accidental death benefit, waiver of premium, child term rider, guaranteed insurability rider, and more³.

ACICF Claims

ACICF aims to provide fast and easy claim service for its customers. The company offers various ways to file and track claims online or by phone. The company also provides guidance and support for customers throughout the claim process. Some of the claim details of ACICF are:

• Claim Process: The claim process of ACICF involves four steps: report the claim, review the claim details with a representative, schedule an inspection or appraisal if needed, and receive a settlement offer or payment. Customers can report their claims online through Customer Login or by phone at 888.929.4222. Customers can also track their claims online through Customer Login or by phone at 800.289.1325.
• Required Documents for Claims: The required documents for claims vary depending on the type and nature of the claim. Some of the common documents required for claims include proof of loss form, police report, photos or videos of the damage, repair estimates, receipts or invoices, medical bills, and more. Customers should keep copies of all documents related to their claims for future reference.
• Average Claim Approval Time: The average claim approval time of ACICF is not publicly available, but according to customer reviews and ratings, the company generally responds to claims within a few days or weeks. Customers can contact their claim representative or adjuster for updates on their claim status.

ACICF Customer Experiences

ACICF values customer satisfaction and loyalty as its top priorities. The company strives to provide quality products and services, as well as excellent customer support and communication. The company also collects customer feedback and reviews