Agency Insurance Company of Maryland: Reviews of Coverage, Claims & Customer Service

Choosing the right car insurance company is an important decision. You want adequate protection at a fair price from a provider that will be there when you need them. Agency Insurance Company (AIC) offers policies in Maryland, Pennsylvania and Virginia. But are they the right fit for your needs?

In this comprehensive review, we’ll examine AIC’s pros and cons, based on customer feedback, industry ratings and our own research. Read on for an inside look at coverage, pricing, claims, customer service and more.

Overview of Agency Insurance Company

Agency Insurance Company is a regional insurer operating in the Mid-Atlantic since 1990 Some quick facts

  • Offerings – Personal and commercial auto motorcycle home, renters, umbrella and other policies.

  • Availability – AIC sells through local agents in MD, PA and VA.

  • A.M. Best Rating – A- or “Excellent,” indicating financial strength.

  • J.D. Power Claims Rating – 2/5 stars, below average for customer satisfaction.

  • Pros – Available discounts, local agents, free quotes.

  • Cons – Mixed customer reviews, low J.D. Power rating.

Next, let’s dive into AIC’s products, pricing, claims process and more.

Agency Insurance Company Product Offerings

AIC provides all the major policy types drivers and homeowners need:

Auto Insurance

  • Bodily injury and property damage liability
  • Comprehensive and collision
  • Medical payments
  • Uninsured/underinsured motorist
  • Rental reimbursement
  • Roadside assistance

Available Discounts: Multi-policy, anti-theft devices, driver training, good student, safe driver

Motorcycle Insurance

  • Liability, comprehensive, collision
  • Accessory coverage
  • Custom parts/equipment value
  • Safety apparel value

Discounts: Multi-bike, transfer, training course completion

Home Insurance

  • Dwelling coverage
  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments

Discounts: Multi-policy, protective devices, new home, claims free

Umbrella Insurance

  • Extra liability coverage above auto and home policies
  • Options from $1 million to $5 million

How Much Does Agency Insurance Company Cost?

AIC doesn’t provide quotes online. You need to contact a local agent to get pricing information. Cost will vary based on your age, gender, location, driving record, selected coverage and more.

However, online reviews indicate Agency Insurance Company offers affordable premiums, especially for drivers with good records. The company provides many opportunities to save through bundling policies and qualifying for discounts.

But it’s always smart to compare quotes from multiple insurers, including top names like Geico, State Farm and Progressive. An independent agent can quickly help you shop rates.

Agency Insurance Company Claims Process and Satisfaction

The true test of an insurer comes when you need to file a claim. According to J.D. Power, AIC scores just 2 out of 5 stars for customer satisfaction with the claims experience. This lands them near the bottom of all insurers reviewed.

Looking at customer reviews, the most common complaints relate to:

  • Long claim delays
  • Lowball settlement offers
  • Denied claims
  • Lack of communication
  • Unhelpful adjusters

While some customers report smooth claim resolutions, the overall sentiment skews negative in this area.

Agency Insurance Customer Service Reviews

In addition to claims, many reviews complain about long hold times when calling AIC and difficulty reaching representatives. The lack of online chat or email contact options also draw criticism.

However, other customers praise the company’s courteous service once connected. And working through local agents allows for more personalized service.

Negative feedback seems to stem primarily from claims and technical issues versus general inquiries. But poor service certainly factors into AIC’s below-average reputation.

Agency Insurance Company Reviews: The Bottom Line

Based on our research, here’s a quick pros vs cons rundown for Agency Insurance Company:

Pros:

  • Good choice of policies and discounts
  • Competitive pricing, affordable premiums
  • Local agent support

Cons:

  • Very low claims satisfaction per J.D. Power
  • Numerous bad claims experiences reported
  • Below-average customer service
  • No online quotes or contact options

While AIC meets drivers’ and homeowners’ basic insurance needs at a fair price, their poor claims process and customer service are concerning. We suggest comparing with higher-rated insurers like Amica, Erie and USAA. Or consider a national leader like State Farm or Allstate that offers superior support.

The Best Car Insurance Companies of 2023

To see how AIC compares to top insurers, check out WalletHub’s list of the Best Car Insurance Companies of 2023. Ratings and reviews are based on affordability, customer service, claims processing and other key factors.

Rank Insurance Company WalletHub Rating
1 Amica 9.4 / 10
2 USAA 9.2 / 10
3 Erie 8.6 / 10
4 State Farm 8.4 / 10
5 GEICO 8.1 / 10

Agency Insurance Company comes in at #20 with a 3.5 rating. So while they offer affordable policies, numerous competitors rate significantly higher for claims, service and overall customer satisfaction.

Is Agency Insurance Company Right for You?

At the end of the day, the best insurer comes down to your individual needs and priorities. AIC offers solid fundamental coverage at budget-friendly pricing. For a driver on a tight budget or with no recent claims, they could be a decent option.

But we suggest doing your homework and comparing quotes. Insurers like GEICO, Allstate and Liberty Mutual offer similar policies for competitive rates. And they provide superior claims handling and 24/7 customer service.

For the best experience, we recommend choosing a higher-rated national company, if possible. But if you do opt for AIC, work with a local agent who can resolve issues on your behalf. And be vigilant with documentation should you need to file a claim down the road.

Get Free Auto Insurance Quotes

To explore your options, try WalletHub’s free insurance tool below. Just enter your zip code to see side-by-side rates from top insurers in seconds. Shopping policies is the best way to find coverage that fits your budget and needs.

Filter byComplaint StatusAll complaint statusesComplaint AnsweredComplaint ResolvedComplaint TypeAll complaint typesService or Repair Issues (7)Customer Service Issues (5)Billing Issues (4)Product Issues (2)Delivery Issues (Facilities Issues (

  • Initial Complaint: June 6, 2024; Type of Complaint: Billing Issues; Status: Answered: The company fixed the problems raised in the complaint, but the customer either a) did not accept the answer or b) did not let BBB know that they were satisfied. A moving company was hired to take a vending machine from West Nayak, NY, to Waldorf, MD. The drive damage the machine which caused total loss. They told us to make a claim with our insurance company. The insurance claim was sent to the company on April 28th, after several failed attempts to use the transportation claim team. Since May 20, they told me the appraiser had the case and would have an answer for me by Friday, May 24, and they would get back to me. Since that didn’t happen, I called on Monday, Tuesday, and Wednesday of the following week and finally got through to Michael *******. He told me that they had no idea what the assistant was talking about and would have an answer by Friday. The claim ****** was still with the appraiser, and they said they’d let me know as soon as they heard back. Michael ******* called me again on June 4, but all he said was that the appraisal was still being worked on and that they would get back to me soon. said the appraiser is still checking the case and will get back to us soon. It’s been almost two months, and they say to talk to the carrier or just wait. We made a deal with the mall to put the machine there, and we’ve been paying rent ever since. The machine should have been working since March 29, 2024, but because of the accident, it hasn’t been. This has cost us money. We are losing an average of $2,500-$3,000 per month . It looks like the insurance company is saying, “I’ll hold it as long as I can to offer the least amount I can to end this case.” I think this is a ridiculous way for the insurance company to act. What should happen with my case? I’ve been losing money because their client broke my computer and the insurance company AIC is holding on to the case instead of solving it. Business response06/06/2024This will acknowledge the above captioned complaint. Please be advised that AIC has finished looking into this claim and can now pay the person who posted it. The next day, a payment draft will be made and sent to the person who filed the complaint.
  • Initial Complaint: June 5, 2024; Type of Complaint: Service or Repair Issues; Status: Answered; The company fixed the problems raised in the complaint, but the customer either a) didn’t agree with the answer or b) didn’t let BBB know that they were satisfied. We put in a claim for an accident that was caused by an Agency Insurance Company insured customer. The company deliberately undervalues the car and says it’s a total They only list 18 comps that aren’t in the same area to justify a low price because they won’t look at comps for cars in the same area. We want them to fix the car using a fair quote from a reputable body shop. Business response06/06/2024This will acknowledge complaint ID: ********. Please be aware that AIC inspected the complainant’s car along with the shop she chose. The AIC decided that the vehicle was a total loss because the cost of repairs was more than 2075 percent of its actual cash value. The actual cash value including tax is $14,014. 76 according to the CCC Market Valuation Report. This report lists similar cars to back up the ACV; eight of them are within 20 miles of the complainant’s zip code. The shop chosen by the complainant says that repairs will cost $15,249. 50. The car is a total loss because the cost of fixing it is higher than its value. CCC is a well-known and respected tool used to figure out how much a car is worth, and the report explains how the real cash value of this car was found. Here are a copy of the CCC Market Report and the shop’s estimate. There is a $15,000 limit on property damage in the Agency Insurance Policy that covers this loss. Because of this, AIC can’t pay more than $15,000 for the property damage claim that is being made. The vehicle’s value is very close to this limit, so the complainant has been told more than once to go through her own insurance company and let them sue AIC. If the person who is complaining doesn’t like the value that is being offered, she can go through her own carrier, as was already said. It would be against state fair claims practices acts for AIC to agree to fix the car for less money without a good reason. AIC can’t be random or capricious about how it handles claims, so if a car is deemed a total loss, it has to be handled that way. In response to the customer’s complaint on June 6, 2024, AIC ignored six comparable sales in the area that put the car’s value at an average of $18,000. I am rejecting this response because of this reason. The comps AIC gave were for cars that weren’t in similar condition or models/mileage, and many of them had accident records. They were clearly picked from across the country to bring down the price. When it comes to the repairs, AIC is purposely using an old estimate. The body shop gave a new estimate on May 31, 2024, for $13,157. 02, which AIC is well aware. Taking into account its fair value and the most recent repair estimate, the car is NOT a total loss. In fact, Jennifer *****, the claim representative, said twice that if the repair cost less than $15,000, AIC would fix the car instead of writing it off as totaled. Both times, she later took back her offer. When AIC changed their minds, it made things even more confusing and made us think they are not acting in good faith. AIC also told us today that we are responsible for all of the costs the body shop has to pay for storage and the estimate. These are costs that the Maryland Insurance Administration says should be covered by the insurance company, but are our responsibility. We think this is unfair because we filed this complaint two days ago. The cost is more than $3700 because AIC took weeks to give us an estimate and work with the body shop and us to try to settle the claim. The car was dropped off on May 7, and the body shop gave an estimate on May 10. We, the claimant, had to call the AIC adjuster several times before they gave us a $9299 repair estimate on May 24. Despite many phone calls and emails, he and the other claim representatives were hard to get in touch with throughout the process. They also refused to go over their estimate with us or the body shop to explain why it was so much lower than the body shop’s estimate. We thought the estimate wasn’t made in good faith because AIC wouldn’t give us the name of a body shop that would fix the car for that much money. The car stayed in the body shop in pieces while we tried to get more information (and while we left multiple voicemails and emails that weren’t returned). This caused the storage bill to go up because AIC wouldn’t settle the claim fairly. We’d like to either fix the car, which shouldn’t cost more than $15,000, or get the full value of the car. Furthermore, we shouldn’t have to pay for any fees that came up because AIC wasn’t able to handle the claim properly and on time. Thank you very much, *****Business response06/10/2024AIC still believes the car is a total loss based on the estimate its appraiser made and the CCC evaluation. The person who made the claim has now been told what they can do to get their problem solved. As we said in our last answer, AIC can’t just fix a car for no reason because that would be against state fair claims practices acts. When it comes to storage fees, AIC owes fair and customary amounts and has agreed to pay them. The car owner needs to limit their damages as much as possible, and they were told more than once that AIC’s policy only covers $15,000 in property damage. Once the car was paid for, the complainant would get the rest of the money for storage fees. A signed property damage release would be required. Customer response06/17/2024The claim is not yet closed. We are awaiting a check from AIC. They refused to repair the car and will total it. We think the value was too low, and they didn’t work with the body shop on the repair estimate. We negotiated a lower estimate, but they didn’t take it, even though it was closer to their estimate. The car should have been fixed instead of totaled because the repair estimate was lower and the valuation was more in line with the area than with comps from out of state. The only reason we’re taking the check is because it looks like we have no other good options right now. We still think that AIC did not act in good faith, or at least that their representatives were not knowledgeable, because they gave us wrong information, broke promises, and took too long to handle the claims process, which made the storage costs go up. They should not be considered a reputable company.
  • Initial Complaint03/22/2024Type of Complaint:Customer Service IssuesStatus:AnsweredThe company fixed the problems raised in the complaint, but the customer either a) didn’t agree with the answer or b) didn’t let BBB know that they were satisfied. It was August 2023, and someone with their insurance hit my car. I called this insurance company to file a claim. They agreed with my claim Claims adjuster called me after I sent my information to them. They never contacted me back. I have done this 4 times now. When I call, they always put me through to a claims adjuster who never calls me back or does anything after I send them my information. I called again on March 7, 2024, to follow up. They told me they would email the new claims adjuster who was in charge of my case because I had marked my account as “not interested” in the claim for some reason. That was NEVER discussed and is not true at all. I was told I would receive a call by 3/8/2024. No one called. I called them back on March 19, 2024, after giving them a week. Again, the man I spoke with was great; he gave me all the information I needed about the claims adjusters. I called her and left a detailed message, but she didn’t answer. I even went ahead and I called her again to follow up on March 21, 2024, but she never answered. She also never replied to my email. Little damage was done to my car, but there is a big dent in the door that I need fixed. I have everything I need, but this insurance company has been awful to work with. It’s too bad that no one will call me back to fix this problem that began in August. Business response03/22/2024This claim was found not to be valid because of a word vs. word account of the facts of loss. This person was sent a letter denying liability on March 6, 2024. AIC will not pay for the damage to the complainant’s car because they don’t believe they are responsible.
  • Initial Complaint03/12/2024Type of Complaint: Delivery IssuesStatus: AnsweredThe company fixed the problems raised in the complaint, but the customer either a) didn’t accept the answer or b) didn’t let BBB know that they were satisfied. On December 15, 2023, a man from the AIC insurance agency hit me from behind. The company that was fully responsible called me to tell me that they would fix my car. On February 7, 2024, their adjuster called me to give me an estimate on what they call a “starter check.” This person in charge said the check would be sent 7 to 10 days from now. My car is still not fixed, and I still haven’t gotten my check. Three months have passed, and I still can’t reach my claims adjuster. I’ve called and left messages, but he hasn’t called me back. Business response03/13/2024AIC has admitted fault for this loss and has now paid the complainant. If she needs a rental car while hers is being fixed, AIC will give her one. Any extra money that is needed to cover the initial cost of repairs will also be sent directly to the shop chosen by the complainant. Copy of the payment is attached. Response from the customer: “I’m still waiting for the check they said they printed to be delivered so that the repairs on my car can begin.”
  • First Complaint: Customer Service IssuesDate: October 10, 2024Status: ResolvedThe complainant confirmed that the problem was fixed to their satisfaction. Someone with Agency Insurance Company insurance hit my son from behind on February 28, 2024. Since the accident, we’ve tried to get in touch with the company’s adjuster, Scott, several times to find out how the process for fixing the damage caused by the person who hit my car is going, but Scott hasn’t responded. He needs to talk to us right away because I need this insurance company to pay for a rental car. At this point, it’s clear to me that I need to talk to Scott’s boss or supervisor about my complaint. Business response03/18/2024Please be advised AIC is currently investigating this claim. Different people have different ideas about who is responsible for this loss. The complainant has not responded to the adjuster yet with his facts of loss. The AIC insured said that driver ****** is the main reason for the loss. AIC needs a detailed account of the loss from Mr. ****** in order to help conclude the liability decision. Once AIC is found to be responsible, they will pay for the damage they caused. The claim will be looked into further by AIC so that it can be settled. Response to customer 03/19/2024 Complaint: 21410038 I’m not accepting this response because: Scott the adjuster is using the common ways that insurance companies delay claims to drag out the property damage claim. This is what they do. Saying that the claim is being looked into is a stir. I’ve asked to talk to a supervisor, but AIC keeps blocking my path. I sent the adjuster the police report that says their insured hit my car from behind while my car and the car in front of me were both stopped in traffic. This shows that they are not telling the truth. I’ve told the adjuster many times by email what happened, but he keeps holding up the process. He doesn’t answer the phone when I call, and every time I email him, he says the same thing: “from your point of view, what happened?” “The insured person for AIC hasn’t given the adjuster any proof to back up his claim.” Without any proof to back up what the insured says happened, the adjuster is believing what they say. But Police reports don’t lie. Scott and I have talked on the phone several times, and there is a record of those conversations in an email thread. Sincerely, ***** ******Business response03/26/2024At this point, AIC has finished its investigation into the claim and accepted liability. The claim adjuster will be getting in touch with the complainant to end the claim. Response from the customer on March 27, 2024 to the Better Business Bureau: I have read the company’s response to complaint ID 21410038 and am happy with it. Sincerely, ***** ******.
  • Initial Complaint03/08/2024Type of Complaint: Service or Repair IssuesStatus: AnsweredThe company fixed the problems raised in the complaint, but the customer either a) didn’t agree with the answer or b) didn’t let BBB know that they were satisfied. AIC insurance agency, Filed a claim for a vehicle collision *claim# ****** on Jan 29th, and received a rental vehicle. It took two weeks to get an estimate and get the rental car after leaving the car at the shop. The shop couldn’t start fixing things until the adjustor gave the go-ahead, which took two weeks. When the shop found more damage and sent estimates to the insurance company to wait for approval, they called me to ask if I could call the insurance company to get an answer or an update on the case. They still haven’t heard back after 10 days. this is a constant issue. lack of communication. Many emails and voicemails were sent to the assigned adjuster, but no one replied or made any progress. Our car is still in the shop as of March 5, and the repair can’t be finished until insurance responds to the documents they sent and gives the necessary approval. It’s no longer helpful to ask for a manager because I keep being told that someone will call me, but they never do. Our car is really important to us, and this isn’t helping. We can provide proof if needed. Business response: November 3, 2024: Please be aware that the complainant’s shop of choice called in an extra on March 6, 2024. On that date, the supplement was looked over, and a check was sent directly to the shop for the cost of repairs. The complainant was given a rental car, but the policy limit for rentals had already been reached. AIC can’t pay more for rental use than what’s written in the policy. The shop should get in touch with the AIC appraiser right away if they have any extra supplements. As of today, all supplements that were sent in have been dealt with and paid for. A copy of the supplement payment is attached. Message from the customer on March 17, 2024: Please let them know that the problem is with the lack of communication and the length of time it takes AIC to start fixing things. The car is still in the shop as of 3/17. From the moment the claim was made, it was clear that the car should not have been in the shop for as long as it has been. The length of time it took to get permission to start the repairs makes things even worse. By the time the shop got approval, the rental car had to be returned, and the customer was left without a way to get to work. AIC did not provide satisfactory services after they had already been paid for their policy. Lack of communication from the adjustor. Numerous emails and voicemail with no responses. Let alone not having a car to get to work is annoying. It’s annoying that AIC can’t see what they did wrong when it comes to responding quickly and handling claims. Business response03/19/2024: The complainant has a policy with AIC that covers a certain amount of rental costs. AIC cannot provide rental beyond the contract limit. There is 40 days of coverage and $1200 for this person who filed the complaint. 00 maximum in rental coverage. As with any claim, AIC has to follow the terms of the policy and has paid rent up to the policy limit. If AIC went over the rental agreement on one claim, they would have to do it on all claims. Customer response: March 19, 2024: Your answer only shows that the claims process didn’t work. Why doesn’t AIC provide better support for claims and accidents like other auto insurance companies do, so that renters don’t have to pay for every claim that isn’t processed on time? Why are the “adjustors” so hard to get in touch with, especially when this is an urgent matter? Families need their car. AIC takes too long to handle claims, and even when people try to get in touch (by phone, email, and voicemail, customer service always tries to transfer calls to the adjustor but is told to leave a voicemail), they don’t answer. If AIC can’t provide the requested services for the policy we paid for, at least explain why it took them so long to give estimates, give permission to start repairs, etc. Why haven’t the adjustors responded? My first concern was about the rental issue, which I brought up with customer service and the adjustor. It took a month just to get permission for the shop to start fixing the car, so I told them I was worried that the rental would run out and leave my family without a car. AIC should look at how they handle claims and make sure they give the right amount of help in each case, not for “all their claims,” as their most recent response said. It only shows how badly they failed and didn’t care about their mistakes during the whole process. Only thing that made my family decide to go to the BBB is that they didn’t answer the first time. We will be looking into legal representation if necessary. No vehicle, loss wages. This “underwriting team” makes it easy to accept policy payments and raise the policy when it’s time to renew, but when it’s time to provide services, there is no communication or help. About the claims, AIC tries to handle them in a timely and professional way (business response 03/19/2024). There are times when delays happen while a claim is being investigated. AIC is sorry for any delays in taking care of any claim, including this one. The claim has been paid, and the vehicle of the complainant is now being fixed. There is nothing AIC can do about how long it takes the shop to fix the car. AIC has also given you a rental car up to the policy limit for rental use. AIC does apologize for any trouble this may have caused the complainant due to any delays in handling the case.
  • Initial Complaint02/27/2024Type of Complaint:Customer Service IssuesStatus:AnsweredThe company fixed the problems raised in the complaint, but the customer either a) didn’t agree with the answer or b) didn’t let BBB know that they were satisfied. The person who hit me on 495 on January 24, 2024, was a customer of Agency Insurance Company of Maryland. The name on the man’s insurance card is the same as the address in your database for Agency Services. Exchanged info. My insurance (***********) tells me Agency wont respond. I call them, wait online for ~1 hour. Get a real person to tell me they need to talk to a customer before they can answer ******** calls. I call the guy, he tells me he talked to them, reported it and he had a claim # (******) from them. The adjuster is Danielle ******* No calls back, no emails. Today, one month and two days after the accident, I called her. The woman gets angry and tells them to talk to their customer instead of me. Only my insurance company, if they ever get a call from a customer. If they never hear they never pay. I point out he gave me the claim # so they must have talked to him–a number they confirmed. She hung up on me. I look at the BB site and see that a lot of people have the same story. It’s obvious that this is not a Maryland business, so how can it have a license? As of now, we haven’t heard anything from the AIC named insured. The policy contract says that the insured must help with any investigations into a claim, or else the coverage could be denied. AIC is trying to get in touch with the insured to make sure they are covered and responsible. Because AIC doesn’t have this information, they can’t pay the claim. The complainant was told this over the phone on February 26, 24. He was also told that it might be best for him to go through his own insurance company for his damages. If AIC can get in touch with the insured, the claim will be closed. If not, a coverage denial may be sent out, and the complainant can then file an uninsured motorist claim with his insurance company.
  • Initial Complaint01/19/2024Type of Complaint: Service or Repair IssuesStatus: AnsweredThe company fixed the problems raised in the complaint, but the customer either a) didn’t agree with the answer or b) didn’t let BBB know that they were satisfied. Someone hit me and then drove away, and this company sells their insurance to me. They won’t move forward with my claim until they talk to the insured person. They’ve had more than two weeks to get in touch with them but still haven’t. They have been provided nothing but vague information via email. My voicemails are responded to via email. When I asked if there was a deadline, it took two tries and 48 hours of email message replies to say, “We do not have a deadline.” We can move forward once we’ve talked to the insured. “I don’t believe they’re trying to get in touch with the insured or settle my claim.” I want to know when they’ll handle my claim if they can’t get in touch with me. This is in response to your email from January 19, 2024, about complaint number *********. Please be aware that Agency Insurance Company is aware of the loss that the complainant mentioned. Since we were told about the loss, AIC has been trying to get in touch with its insured to find out who was at fault and make sure that coverage is still in place. As of now, AIC’s insured has not responded to any attempts to get in touch. As per the Virginia Personal Auto policy contract that the insured has with AIC, they need to help with any claims investigation. Please look at part E of page 16 of the attached Virginia Auto Policy. The Policy states: B. A person seeking any coverage must: 1. Help us with the investigation, settlement, or defense of any suit or claim 2. Send us copies of any legal papers or notices you get about the accident or loss right away. We can move the claim forward once AIC gets in touch with the insured. The insured might not be covered if they don’t respond, so the insurance company might not pay out. While AIC looks into the claim, the person who made the complaint may want to file with their own insurance company. Response to customer complaint 01/23/2024 Complaint: 21165874 I’m not accepting this response because: I have offered a video of the incident more than once This can be noted in email conversation and voicemails. The adjuster won’t answer the phone or call me back, so I would have offered over the phone as well. This seems like it would be enough proof of liability. Sincerely, ***********Business response01/24/2024As we said in our first response, the owner of an AIC policy must help with the investigation of any claim or risk having their coverage denied. Even though there may be a video of the loss, AIC needs to talk to and work with its insured before deciding who is responsible. This is policy on all claims. AIC needs to talk to its insured to make sure that coverage is correct for the driver and the vehicle and to decide who is responsible. Like we said, AIC is doing everything it can to get in touch with the insured.
  • Initial Complaint04/27/2023Type of Complaint: Billing IssuesStatus: ResolvedThe complainant confirmed that the problem was fixed to their satisfaction. Someone else’s car door hit my car on February 3, 2023. Ryan ****** was my Claim representative. Ryan told me to fix my car because I was afraid the paint might not match up. My car is a 2020 Honda CRV with 34743 miles. The damage was only$1074. 58. “You’re going to fix your car, so why wouldn’t you? I could file a Diminished Value claim and get $3000 to $5,000 back because it made my car less valuable.” Id be very even heard of such a claim. After getting my car fixed, I called Ryan, but she is no longer working for the company. Scott ******** is my new agent. Scott says that’s not right that I would get anything like that. I’ve asked them to get the recordings of the call I had with Ryan. He says they dont have or cant. The manager told me they don’t talk to customers directly when I asked to talk to them. Scott is stating that their offer is $161. 19. Do you know why these offers are so different? Ryan knew I wasn’t going to get my car fixed because I was afraid I would be able to tell the difference, but he told me I had to in order to file this diminished value claim. On the other hand, Scott hasn’t helped and has been rude. Business response: February 5, 2023: The complaint above is based on what the complainant says they said to a company representative who is no longer with the company. The complainant has been told that the information she says she got is wrong and that there is no record of they having this conversation. As required by law in the state of Maryland, the conversation between the representative and the customer was not recorded. This is because everyone on a recorded line had to be told about it and give permission for it to be recorded. Since there were no injuries and the loss was small, there was no need to record a statement. As a result, there is no recording. The complainant says she didn’t care about fixing her car, but she wants three to five times the amount of damages because her car’s value has gone down. This calculation doesn’t make sense and isn’t backed up by any proof. The complainant hasn’t shown any proof that her car’s value has gone down since the minor accident, and she also hasn’t explained how a value drop of $5,000 would happen for damages that only cost $1074. 58. When the wind whipped our insured’s door into the side of the Complainant’s fender, this car only got minor cosmetic damage. The complainant’s damages were fixed according to industry standards, and the vehicle’s structure is still in good shape. The complainant asked for a decreasing of value without giving any proof of a decreasing of value. Despite this, we have offered her a portion of the repair cost as payment in a good faith effort to settle the matter. The file has been looked over by management, and everything is fine. The representative has been helpful and polite to the customer, so it’s too bad she doesn’t agree with the offer. The customer replied on April 5, 2023, to the Better Business Bureau, “I have read the business’s response to complaint ID ********* and am happy with it.” I don’t agree with some of what they said because what I said in my statement is true and I was lied to. But when I called my local dealership and asked if it hurt the value of my car, they said that since the damage was so small, it shouldn’t have much of an effect. Thank you for your assistance with this matter. Sincerely, Melissa *********.
  • Initial Complaint: 08/29/2022Type of Complaint: Billing IssuesStatus: Answered: The company fixed the problems raised in the complaint, but the customer either a) didn’t accept the answer or b) didn’t let BBB know that they were satisfied. On 2/20/2022 my stepson was involved in a auto accident. The car was towed to an impound lot. I was talking with the tow lot about giving them the car to cover the costs of the tow. While waiting for AIC to finish the claim. The AIC claim rep called, had the wrong car towed, and paid for the tow. The claim rep then called me and told me what had happened. They also said that we would not have to pay for the tow bill because it was their mistake. She just needed to know where to have the car towed back. After telling me I wasn’t responsible at first, they now want us to pay the bill after months. Business response10/11/2022Business Response /* ****** ** *********** */ In regard to BBB case # XXXXXXXX, Agency Insurance Company moved the complainants vehicle from a tow yard to its salvage vendor. When the car was picked up, AIC paid for its tow and storage. The driver in question did not have collision coverage on his car, so AIC would not be able to pay these fees. Because AIC paid them instead of the complainant, AIC is now trying to get the money back from the complainant. This person would have had to pay the tow yard directly if AIC hadn’t picked up the car. No matter what, the complainant needs to pay for the tow and storage because he didn’t have full coverage on the car. The car was picked up by mistake, but the complainant would have had to pay the fees anyway. AIC just paid them by mistake and is now trying to get its money back. Here is a copy of the declarations page that shows the car did not have full coverage. Response from the Customer (**********************) (The customer said he or she DID NOT accept the business’s answer. Things would have been different if they had told me I would have to pay the fees. The car would have been towed back to the collision center, and I would have agreed to pay for the tow and storage. Because they said at the time of their mistake that I wouldn’t have to pay any fees, I didn’t have the car towed back to the collision center because of what they did. Business Response: In response to the complainant’s follow-up, AIC doesn’t know what he may have said to the tow yard and doesn’t have proof that the fees would have been waived if the car had been given to the yard. As was already said, AIC paid the outstanding tow and storage fees for the complainant and is now just getting the money back from him because his insurance didn’t cover those costs. It was already sent in a copy of the declarations pages that show what coverages the complainant bought. Response from the Customer (**** ***************) (The customer said he or she DID NOT accept the business’s answer. ) You don’t need to include a copy of my deal with the collision center. The fact that they had to call the collision center on my behalf shows that they didn’t do their job right. They only needed to call me to let me know the insurance claim had been taken care of. They did not pay the tow on my behalf. They had to pay for the tow because they towed the wrong car. This in no way was doing me any favors. Ive talked to ******** the claim rep multiple times. Every time she’s said she was wrong and feels bad about it, she treats me this way. I’ve tried to call the senior vice president several times and left several messages, but she won’t call me back. I know ***** is getting the messages because she has the claim rep ******** call me instead of ***** calling me back. I don’t see how I can be blamed for someone else’s mistake. It is irrelevant what kind of coverage I had. What matters is that they would not have happened if AIC had done their job right and not given me false information in the first place. The company responded by saying that AIC had paid for the tow and storage fees that the complainant should have paid. AIC doesn’t know what the complainant supposedly said to the tow yard and can’t confirm if the tow yard would have waived any fees. Since AIC paid the fees that the complainant should have paid, it is now trying to get its money back.

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agency insurance company of maryland reviews

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FAQ

Who owns the Agency Insurance Company of Maryland?

Agency Insurance Company of Maryland, Inc was incorporated August 14, 1989, under the laws of Maryland and commenced business in March 1990. The company is a wholly owned subsidiary of Agency Holding Company of Maryland, Incorporated.

Who is the most trusted insurance company?

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What is the AM best rating for AIC insurance?

A.M. Best Co. has assigned a financial strength rating of A- (Excellent) and an issuer credit rating of ”a-” to Accident Insurance Company, Inc. (AIC) (Irmo, SC).

What is the phone number for the Agency Insurance Company of Maryland Claims?

Give us a call at 800-492-5629 or send us a message and we will connect you with a licensed insurance professional in your area who can help you!

Who is the agency insurance company?

The Agency Insurance Company provides personal and commercial car insurance to Maryland, Pennsylvania, and Virginia drivers. The company has competitive rates and offers a wide variety of coverages. Additionally, the company has been rated an A by A.M. Best.

Is the agency Insurance Company a good insurance company?

The Agency Insurance Company has been rated an A by A.M. Best, the most trusted rating agency. This rating is excellent and indicates that the company will provide a payout under any circumstance when a customer files a claim. The Better Business Bureau (BBB) also rates companies based on their business practices.

Where can I find insurance company ratings?

You can find insurance company ratings from various sources including independent rating agencies like A.M. Best, Standard & Poor’s, Moody’s, and Fitch Ratings. These agencies evaluate the financial strength and stability of insurance companies. How do you interpret AIC differences?

How many agents does agency insurance company have?

Customers can only purchase auto coverage from the Agency Insurance Company through independent agents. There are currently over 1,500 agents available in Maryland, Pennsylvania, and Virginia, the three states where the company operates. Compare quotes from the top insurance companies and save! How can you make Agency Insurance Company payments?

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