Mendota Insurance Company, Tennessee: Overview, Contacts, Services, Financial Details, Coverage, Reviews

Mendota Insurance Company, Tennessee: Discovering Peace of Mind: A Glimpse into Mendota Insurance Company’s Trusted Coverage.

An image illustartion of Mendota Insurance Company
Celebrating Peace of Mind with Mendota Insurance: Your Trusted Coverage Partner.

If you’re searching for a dependable and budget-friendly insurance provider in Tennessee, you’ve probably crossed paths with Mendota Insurance Company.

Mendota has been a prominent player in the United States’ specialty insurance scene since 1989, focusing on private passenger auto insurance.

But what sets Mendota apart from the competition? In this article, we delve into Mendota Insurance Company, examining its:

Products, services, pricing, and customer satisfaction to answer your burning questions.

Company Snapshot

History And Founding Year:

Established in 1989 as a subsidiary of Kingsway Financial Services, one of North America’s fastest-growing property & casualty insurers, Mendota Insurance Company has deep roots in the insurance industry.

Headquartered in Nashville, Tennessee, the company moved from Minnesota in 2019.

CEO and Leadership Team:

Guiding Mendota is CEO John T. Fitzgerald and a team of seasoned executives dedicated to delivering exceptional service and innovative products.

Market Share and Company Size:

With a modest 0.03% market share in the US auto insurance industry, ranking 140th among 2,600 insurers, Mendota Insurance Company manages assets totaling $155 million and liabilities of $127 million as of 2019.

Their A.M. Best rating of B (Fair) indicates their ability to meet ongoing insurance obligations satisfactorily.

Company Contacts

For your convenience, here’s a snapshot of Mendota Insurance Company’s basic information:

Contact Information Details
Phone Number (800) 422-0792
Address 3343 Perimeter Hill Dr Ste 214, Nashville, TN, 37211
Customer Service Contact (800) 422-0792 or (651) 468-2910
Policy Details – Online quoting – Policy upload – Point-of-sale report ordering – Attractive down payment options – Online endorsements – Customizable reports
Email Address – Webmaster@mendota-insurance.com for information requests/site-related comments – Underwriting@mendota-insurance.com for policy service – Accounting@mendota-insurance.com for accounting – Contracts@mendota-insurance.com for contracts/licensing
Fax Number – (800) 843-9970 for general – (866) 385-0553 for proof of prior – (800) 798-1259 for claims
Operating Hours – Monday – Friday 8:00 am to 6:00 pm CT for customer service and technical support – 24/7/365 for claim service

Services & Offerings

Mendota Insurance Company specializes in offering private passenger auto insurance for individuals who may face challenges obtaining coverage from standard insurers due to factors like their driving record or credit history.

They provide the following auto insurance types:

  • Liability coverage:

This safeguards against damages caused to others in an accident, covering bodily injury and property damage.

Mendota offers liability coverage with limits up to $100,000 per person, $300,000 per accident, and $50,000 for property damage.

  • Collision coverage:

This addresses vehicle damages resulting from collisions with other vehicles or objects, covering repair or replacement costs minus a deductible, ranging from $250 to $1,000.

  • Comprehensive coverage:

This encompasses non-collision damages like theft, vandalism, hail, and more, paying for repair or replacement, also subject to a deductible, ranging from $250 to $1,000.

  • Uninsured/underinsured motorist coverage:

Protecting against accidents with drivers lacking sufficient insurance, this includes bodily injury and property damage, with limits up to $100,000 per person and $300,000 per accident.

  • Medical payments coverage:

This caters to medical expenses regardless of fault, offering up to $10,000 per person.

  • Personal injury protection coverage:

Covering various accident-related expenses, it also pays up to $10,000 per person.

Mendota extends its offerings to include:

  • Special packages or bundled services: Discounts for multi-policy and multi-car customers, those with a clean driving record or a good credit score, and low annual mileage.
  • International coverage: An affordable Mexico tourist endorsement for policyholders traveling to Mexico, extending their liability coverage for up to 10 days per trip.
  • Temporary or short-term policies: Temporary policies starting at $20 per day, suitable for rental cars or short-term needs. These mirror regular policies, excluding comprehensive and collision coverage.

Financial Considerations

Mendota Insurance Company is committed to offering flexible and cost-effective insurance solutions.

Key financial details include:

  • Premium costs: Pricing depends on multiple factors like coverage type, vehicle details, driving record, and more. Mendota offers online quotes for convenient comparisons.
  • Payment options: Customers can pay monthly, quarterly, semi-annually, or annually, with multiple payment methods including automatic EFT, cash, check, or credit card (Visa, MasterCard, or Discover).
  • Discounts and promotions: Mendota provides various discounts, such as multi-policy, multi-car, good driver, good student, low mileage, paid-in-full, prior insurance, anti-theft device, defensive driving course, and loyalty discounts.
  • Claim payout ratio: With a 2019 claim payout ratio of 74.6%, slightly exceeding the industry average of 72.4%, Mendota demonstrates a responsive approach to customer claims.

Coverage Details

  • Liability: If you cause bodily injury or property damage to others in an accident, this covers you.
  • Uninsured/Underinsured Motorist: Protects your bodily injury and property damage if you’re hit by an uninsured or underinsured driver.
  • Medical Payments: This takes care of your medical bills after an accident, regardless of fault. Choose from different limits, ranging from $1,000 to $10,000 per person.
  • Comprehensive: Damages to your vehicle from non-collision events like fire, theft, vandalism, hail, or animal impact are covered. Deductibles range from $100 to $1,000.
  • Collision: Covers damage to your vehicle caused by collisions with other vehicles or objects. You can choose deductibles from $100 to $1,000.
  • Towing and Labor: In case your vehicle is disabled due to an accident or breakdown, this covers the cost of towing and labor. Choose from various limits ranging from $50 to $150 per occurrence.
  • Rental Reimbursement: Covers the cost of renting a vehicle while yours is being repaired due to a covered loss. You can choose from various limits ranging from $20 to $50 per day.

Policy Exclusions

Like any insurance policy, Mendota’s auto insurance has some exclusions that limit or exclude coverage for specific situations:

An infographic illustration of Policy Exclusions

Coverage Limits

The coverage limits you select directly affect Mendota’s payout for a claim and the premium you pay.

Higher limits mean more protection and higher premiums, while lower limits provide less coverage and lower premiums.

Opt for limits that match your needs and budget.

Add-ons or Riders

Mendota’s auto insurance policies in Tennessee don’t offer add-ons or riders. However, the company provides discounts for various factors, including:

Multi-car, homeowner, prior insurance, renewal, paid-in-full, electronic funds transfer (EFT), good student, and defensive driving course.

Claims

When you have a claim with Mendota, you can report it online or by calling their toll-free number at 1-800-422-0792.

You’ll need to provide your policy number, contact information, accident details, and any relevant police report or witness information.

  • Claim Process

An infographic illustration of the Claim Process

  • Required Documents for Claims

Mendota might ask for specific documents based on your claim type and severity.

These could include your driver’s license, police or accident reports, medical bills, rental car agreements, repair estimates, and invoices.

  • Average Claim Approval Time

The time it takes to approve a Mendota claim depends on factors such as claim complexity and evidence availability.

In general, Mendota aims to settle claims within 30 days of receiving all required information.

Legal & Compliance

Renewals & Cancellations

Policy Renewal Process: Mendota sends a renewal notice approximately 45 days before your policy expires.

It includes your renewal premium, coverage details, and payment options.

Renew online or via mail, phone, or EFT.

Failure to renew by the expiration date leads to automatic cancellation.

You might need to provide proof of new insurance or vehicle sale. Mendota issues a pro-rated refund, minus applicable fees ranging from $25 to $50.

  • Grace Periods: Mendota offers grace periods for late payments, typically 10 days for monthly payments and 30 days for quarterly or semi-annual payments.

Pay within this period to keep your policy active without a coverage lapse.

Company Culture

Mendota cares about being honest, doing well, making new things, and helping customers.

They also want their workers to work together, accept differences, be polite, and be responsible.

They help their community by giving money or things to people who need them and by doing good deeds.

Customer Experiences

Here’s a glimpse of what customers have to say about Mendota:

  • Trustpilot: 2.1 out of 5 stars based on 15 reviews. Customers appreciate low rates, friendly staff, and easy claims but mention communication issues and billing problems.
  • Better Business Bureau: A+ rating with one resolved complaint in the last 3 years.
  • Google: 2.9 out of 5 stars based on 14 reviews. Some customers praise helpful customer service and fast claims settlement but mention website glitches and delayed payments.

FAQs

  1. How can I contact Mendota?

You can reach Mendota by phone at 1-800-422-0792 or through email at customerservice@mendota-insurance.com.Visit their website to find an agent nearby or chat with a representative online.

  1. How can I make a payment to Mendota?

Make a payment online using your credit card or checking account, call at 1-800-422-0793, or mail your payment to Mendota Insurance Company, PO Box 64586, St. Paul, MN 55164-0586.

  1. How can I get a quote from Mendota?

Obtain a quote online by entering your zip code and vehicle information. Alternatively, call them at 1-800-422-0792 or contact a local agent for a quote.

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