Business Details
50+ Years
experience
Trusted Nonstandard Auto Insurance Solutions in Texas
Old American County Mutual has been a trusted provider of nonstandard auto insurance in Texas since 1946. Our company was founded on the principle of delivering affordable protection to drivers with unique needs, working exclusively through a network of experienced Managing General Agents. We maintain a policyholder surplus of $5 million and partner with well-capitalized reinsurers to ensure long-term stability. As a policyholder-owned company, we prioritize the interests of our insureds while maintaining rigorous underwriting standards. Our expertise in the Texas nonstandard auto market has made us a reliable partner for MGAs and reinsurers seeking specialized solutions.We focus on developing innovative insurance products that address the evolving needs of high-risk drivers. Our commitment to ethical business practices and customer-centric service has sustained our leadership position in the state's insurance market. Through our subsidiary relationships, we maintain operational efficiency while expanding our market reach. Our team combines decades of industry experience with a deep understanding of regulatory requirements in the nonstandard insurance sector. This combination of financial strength, market knowledge, and operational discipline continues to drive our success in serving Texas policyholders.
Services
Nonstandard Auto Insurance
Private Passenger Coverage
Reinsurance Partnerships
Policyholder Services
Claims Management
Details
- Year established: 1946
Highlights and features
- We have specialized in Texas nonstandard auto insurance since 1946
- Our policyholder-owned structure prioritizes customer interests
- We maintain $5 million in policyholder surplus for financial stability
- We partner exclusively with experienced Managing General Agents
- We work with well-capitalized reinsurers experienced in nonstandard markets
Services
Nonstandard Auto Insurance
We provide specialized auto insurance for drivers who face challenges obtaining traditional coverage. Our policies address unique risk profiles while maintaining affordability. This service helps Texas drivers maintain required insurance despite past incidents or special circumstances.
Private Passenger Coverage
Our private passenger insurance covers personal vehicles used for non-commercial purposes. This service addresses the specific needs of individual drivers with nonstandard requirements. We tailor coverage options to match each policyholder's unique driving situation.
Reinsurance Partnerships
We collaborate with established reinsurers to manage risk exposure while maintaining policyholder protection. This service ensures financial stability through diversified risk sharing. Our partnerships focus on companies experienced in nonstandard auto insurance markets.
Policyholder Services
Our dedicated support team assists policyholders with policy management, billing questions, and coverage adjustments. This service emphasizes clear communication and timely resolution of policyholder concerns. We maintain direct contact channels for personalized assistance.
Claims Management
We offer efficient claims handling through trained professionals who understand nonstandard insurance complexities. This service ensures timely evaluation and resolution of claims while maintaining fair treatment of policyholders. Our process balances thorough investigation with prompt decision-making.
Questions
What is nonstandard auto insurance?
Nonstandard auto insurance covers drivers who have difficulty obtaining coverage through traditional insurers due to factors like accidents, violations, or unique vehicle types.
How do you determine insurance rates?
Our rates consider individual driving history, vehicle type, and risk factors, while maintaining affordability for high-risk drivers through our specialized underwriting approach.
Do you operate outside Texas?
While we focus on Texas through Old American County Mutual, our sister company Old American Indemnity Company provides coverage in other states through appropriate licensing.
How do I file a claim?
Contact our claims department directly at the provided phone number or through our website's claims submission portal for immediate assistance with your claim.
Can I pay premiums in installments?
We offer flexible payment options including installment plans to help policyholders manage their insurance costs effectively.
How do you work with MGAs?
We collaborate with experienced Managing General Agents who understand local market needs while we maintain underwriting oversight and financial responsibility.
Reviews (7)
Abaddon Bravo
Jun 18, 2022
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This is the worst insurance company I've ever had the misfortune of finding myself and let alone customer service is terrible.
Jessica Galvan
Jun 17, 2022
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Literally the worst insurance EVER! It has been 1 and a half months and the adjuster has not called me. I've left voicemails for the adjuster, manager, and supervisor and NO ONE has returned my call. The guy who hit me was insured with this company and did not even have a license. I will be contacting a lawyer because this business should not even be able to run with the complaints it has.
Tim Lister
Jun 03, 2022
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If I could give 1/2 or even 1/4 of a star I would but unfortunately I cannot. My 16 year old daughter was rear ended by someone who uses this company for insurance and I am stuck dealing with them. I have called no less than 12 times in the past 7 days to try and get a claims adjuster to work with me and as of today I have received 0 calls back from them. To let you know what they think about customer service, I had one call agent literally tell me that he would not escalate my call to a manager and then he hung up on me. I feel sorry for anybody else who has to deal with the company since they obviously do not care about customer service.
Mary Schrepel
Apr 09, 2022
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One of their clients hit me in a parking lot and took off. When I called to file a claim nobody answered and I left a message but no one has returned my call
Brooke Ferguson
Apr 05, 2022
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This place scams people! One of their drivers hit my parked car twice in my own driveway 2 separate times! Insurance refuses to pay and says we want unnecessary repairs even though the mechanic says they are necessary. A 1-2 week job ended up taking over a month Becuase they refuse to pay us for damages caused by their driver! Now I know why their driver chose this company! Absolutely horrible customer service trying to contact anyone! Shut this place down!
Jasmine Servin
Mar 17, 2022
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The absolute worst experience I have ever had. First of all I had an undocumented driver hit me with no license! His insurance was these people! What type insurance hands out insurance to someone without a license?! Makes no sense! I wanted to file a police report and the guy refused to stay and just left. I explained to the officer what happened and he made the police report favoring me. My car is currently at the shop.
This insurance had me on hold for 50 min and the adjuster DIGNORA FRANKLIN refuses to take any of my calls. Completely SCAM. They also sent me a no reply email that the investigation would take 60 days. I don't have that type of time to sit in and wait when it was clearly their fault! Nora M is the one that spoke me and told me DIGNORA FRANKLIN would get back to me. Complete lie! I had to get Allstate (my insurance involved) one of the worst experiences I'm going through and I hope no one ever has to go through a similar experience. As you can see there is not one good review about this place.
This insurance had me on hold for 50 min and the adjuster DIGNORA FRANKLIN refuses to take any of my calls. Completely SCAM. They also sent me a no reply email that the investigation would take 60 days. I don't have that type of time to sit in and wait when it was clearly their fault! Nora M is the one that spoke me and told me DIGNORA FRANKLIN would get back to me. Complete lie! I had to get Allstate (my insurance involved) one of the worst experiences I'm going through and I hope no one ever has to go through a similar experience. As you can see there is not one good review about this place.
Phoenix Bun-Bun
Jan 18, 2022
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I've been trying to reach out to these people for over a week now! No answer! The only time someone answered was when I first filled the claim. Was told adjuster would call back in 2 days and nothing! Called back 3 days later and was given the adjuster phone number and name (Michael Jones) been calling and leaving him messages like crazy and never picks up phone or returns phone calls! This company is a complete scam! I'm on the phone right now said I was in a line in and the only one holding but still been waiting for over 30 minutes!
