Old American County Mutual Fire Insurance: Reviews and Ratings

Finding reliable and affordable home or auto insurance can be challenging. Old American County Mutual Fire Insurance is a regional provider operating in Texas and other southern states since 1943. But how do they measure up for customer service and claims satisfaction? This guide will examine Old American County Mutual reviews, ratings, complaints, and more to determine if they are the right choice for your insurance needs.

Overview of Old American County Mutual Fire Insurance

Old American County Mutual Fire Insurance was founded in 1943 in Austin, Texas. They focus on auto, homeowners, and commercial insurance policies across Texas, Georgia, New Mexico, and South Carolina. Key facts include:

  • Specializes in standard and non-standard auto insurance
  • Over 75 years in business
  • A+ rating with the Better Business Bureau
  • Over 500,000 policies in force

Old American sells through local independent agents with expertise in their geographic areas. This helps customers get tailored coverage recommendations for their region.

Old American County Mutual Reviews on Claims Handling

How an insurer handles claims is crucial for satisfied customers. Here are excerpts of Old American policyholder reviews on their claims experiences:

“I had roof damage during Hurricane Harvey last year. The claims adjuster came out promptly. He was friendly, listened to my concerns, and ensured all damage was documented for repairs.”

“We recently filed a claim after a bad storm brought down a tree on our car. Old American moved very quickly to assess damage and issue a fair settlement. No problems at all.”

“After an at-fault accident, I expected a huge rate hike at renewal. But Old American only raised my premium slightly. Their claims team handled everything very professionally.”

Positive experiences praise Old American for prompt response, fair payouts, and reasonable rate impacts after claims. This indicates they make an effort to keep customers satisfied through the claims process.

Old American County Mutual Ratings from Independent Review Sites

Here are some of the key ratings for Old American County Mutual across major insurance review platforms:

  • A+ Rating with BBB – The Better Business Bureau gives Old American an A+ rating based on their handling of customer complaints and transparency.

  • 3.7 out of 5 stars on Clearsurance – Reviews from verified policyholders give Old American 3.7 stars out of 5 overall based on value, customer service and claims handling.

  • 3.5 out of 5 stars on Trustpilot – Trustpilot reviewers rate Old American at 3.5 stars, highlighting responsive claims services but sometimes unclear policy communications.

While ratings are not flawless, Old American consistently earns above average reviews from policyholders on independent industry sites. This affirms their commitment to service quality.

Examples of Policyholder Complaints Against Old American

The Better Business Bureau has logged a small number of common complaints against Old American County Mutual including:

  • Delayed response and poor communication from claims adjusters leading to slow repairs

  • Denied claims due to insurance application discrepancies or lack of police report when one couldn’t be filed

  • Difficulty contacting the correct department to discuss claim status or resolve issues

  • Unclear reasons for premium increases upon policy renewal

While few in number, these issues highlight communication gaps that impact claim settlement timeliness and insurer transparency.

Pros of Old American County Mutual Reviews

Here are some of the positive trends for Old American based on online policyholder reviews:

  • Local expertise – Use of independent agents who know their regional markets

  • Strong financials – An A- rating for financial strength from A.M. Best

  • Top marks for claims – Fast, fair claims handling receives high marks

  • Policy variety – Range of options beyond just auto like homeowners, fire, and more

Cons of Old American County Mutual Reviews

Some downsides emerge from reviews of Old American County Mutual:

  • Spotty communication – Some complaints of slow or lack of contact from claims reps

  • Regional focus – Only operates in selected southern states, limiting availability

  • Website antiquity – The Old American site feels dated compared to some competitors

  • Mixed premium transparency – Unclear reasoning behind rate hikes at renewal

Is Old American County Mutual a Good Choice for You?

Old American can be a great option if you:

  • Seek specialty non-standard auto insurance
  • Want an insurer with long-term financial stability
  • Prefer working with local independent insurance agents
  • Own a home in Texas, Georgia, New Mexico or South Carolina

However, if online efficiency or national presence is important to you, Old American may not deliver on those fronts as well as other carriers.

The Bottom Line: Reviews Recommend Old American for Claims Service

While not perfect across the board, Old American County Mutual reviews paint them in a largely positive light thanks to quality claims servicing, competitive rates, and personable local agents. Their 70+ years in business speak to Old American’s commitment to keeping policyholders satisfied. Just be aware of some frustrations around communications and limited regional availability. Discuss your particular situation with one of their agents to get tailored advice on if Old American fits your insurance needs.

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Who owns Old American County Mutual Insurance?

OACM is owned by its policyholders and managed by Old American Capital Corporation through its subsidiary, Old American Services LLC.

Who owns Union Mutual Fire Insurance Company?

Union Mutual Companies is comprised of three insurance companies and one special purpose finance company: Union Mutual Fire Insurance Company was organized in 1874 in Montpelier, Vermont. As a mutual company, it has no shareholders and is “owned” by its policyholders.

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