The Hartford Customer Service: What You Should Expect
The Hartford is an insurance company that has a number of positive things going for it, like strong financial ratings and positive rankings for customer service as well. The Hartford specializes in insurance for customers who are 50 and up and members of AARP.
Here is a closer look at this insurance company and its key offerings for consumers.
The Hartford Customer Service: Pros and Cons
The pros to The Hartford are specialized coverage options and special discounts and benefits for AARP members. Solid claims processing with an online claims processing option is another plus.
There are cons to The Hartford as well. The Hartford is more expensive for young drivers and to people who are not members of AARP. Also the discounts and benefits offered at The Hartford aren’t available to everyone.
Ratings for The Hartford Customer Service
The Better Business Bureau rates The Hartford A+
J.D. Power rates The Hartford 4.1 out of 5 stars
The Hartford ranks among the best for the J.D. Power Auto Insurance Shopping Study.
Standard and Poor’s rates The Hartford an A+
Moody’s rates The Hartford receives A1
The National Association of Insurance Commissioners gave The Hartford a rating of 1.72, meaning that The Hartford has received slightly higher-than-average customer complaints for insurance companies of its size. Many of those complaints focused on delays in claims payments. In 2019, The Hartford’s homeowners insurance received fewer complaints than average from NAIC but The Hartford’s auto insurance received more complaints than average at that time.
The Hartford’s insurance offerings are targeted for the 50 and older crowd. The Hartford even has a partnership with AARP. So The Hartford’s customer focus is clear. The Hartford customers who are not members of AARP may purchase home and auto policies through independent insurance agents.
Discounts for Home Insurance
The Hartford homeowners get discounts for bundling auto and homeowners policies, having home security features, installing certain fire protection devices like smoke detectors or monitored fire alarms, owning a home and filing no homeowners claims. Working less than 24 hours per week and renewing your policy for four years are other ways to earn discounts.
Discounts for Auto Insurance
The Hartford auto insurance customers receive discounts for bundling policies, having electric or hybrid vehicles or having young driver training. Other discounts include being a good student, completing a defensive driver course, having certain anti-theft devices on your car and paying your policy in full.
Advantage Program for AARP Members
The Hartford has a car insurance advantage program. This program includes the following benefits:
You’ll get Lifetime Renewability on your auto insurance and your coverage will be renewed as long as you make your payments and continue to hold a valid driver’s license.
You’ll also get 12-month auto insurance protection instead of six months. With The Hartford, you lock in an insurance rate for a whole year.
New car replacement coverage provides a replacement car if your vehicle is totaled within the first 15 months or 15,000 miles after purchase. The Hartford will replace your vehicle with a car of the same make and model and equipment.
With RecoverCare if you are injured in an auto accident and end up unable to perform essential home services, The Hartford will reimburse you for things such as house cleaning, food preparation and dog walking.
The Hartford also offers supplemental coverages for customers, including full glass coverage, car towing coverage, rental car expense and personal umbrella insurance.
Full auto glass covers any repair costs to your windows and windshield.
Car towing coverage will cover towing and labor charges associated with getting your car running again after a breakdown.
Rental car expense covers the cost of a car rental if your vehicle is being repaired for a covered loss.
A personal umbrella policy offers additional liability coverage and extends your automotive and homeowners insurance policy limits.
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Quick Facts About The Hartford
The Hartford has more than 200 years of experience in the insurance business. The Hartford has 18,500 employees and its headquarters is in Hartford, Connecticut. The Hartford is the only insurance company endorsed by AARP. The Hartford reaches a wide variety of clients through independent agents. The Hartford also offers a variety of policy options.
Hartford Auto Policy Options
Here is a roundup of auto policy insurance options offered by The Hartford. Choose the best coverages for you based on your family’s insurance needs and budget.
The Hartford offers bodily injury liability insurance. This coverage pays for the other driver’s medical costs when you are at fault in an accident. Property damage liability helps to pay for damage to someone else’s property due to an accident that you caused. Uninsured motorist coverage helps pay for damages caused by a driver who doesn’t have insurance.
Full coverage car insurance consists of the state requirements for liability insurance and collision insurance and comprehensive insurance. Collision insurance is coverage that helps to repair or replace your car if it’s damaged in an accident with another vehicle or object such as a tree, fence or guardrail. Comprehensive insurance covers events such as fire, theft, vandalism and damages from weather such as a hailstorm, windstorm, hurricane or tornado.
Personal injury protection can help pay the cost of your medical injuries regardless of who is at fault in the accident. Medical payments help pay medical bills for you and your passengers after a car accident.
Towing and labor coverage pays the cost of towing when your car has been damaged in a car accident and is unable to be driven. This towing also covers trouble with your car that is not related to an accident.
Rental car replacement coverage pays the cost of a rental car when your car is in the shop for a covered repair. Glass coverage replaces your windshield or other damaged glass on your car.
The Hartford Customer Service Center for Auto and Home
With The Hartford online insurance account, you can get all your policy needs answered in one place. You can make a payment, add or replace a vehicle, delete a vehicle, edit coverages and get help from The Hartford customer service reps.
You’ll be able to check your payment history, file a claim, keep track of important documents and monitor your benefits. You also will be able to view and print your auto insurance ID cards and review coverage details of your auto insurance policy.
Bill payments are available 24 hours a day and seven days a week. You can make a payment using electronic funds transfer or a credit card. You also have the option of enrolling in automatic monthly payments.
With an online account, you can edit your personal information and make sure it is up-to-date. You also can reach out to Hartford customer service reps and let them know when you change your address or phone number.
Sign up for eDelivery and you’ll receive email notifications of your documents instead of waiting to receive a paper document through the U.S. mail. The Hartford online account makes it easy to access and print billing statements and other home and auto documents.
Claims tracking is easy with The Hartford online account and you will be able to locate your claims handler and track the progress of your claim.
In addition to an online account, You can reach The Hartford customer service by using a mobile app on your smartphone. With the Hartford mobile app, you can view policy and billing documents any time you need them, store a copy of your digital auto ID card, pay your bills by credit card or debit card or by checking account and file and track claims.
In addition, with The Hartford mobile app you can contact your insurance agent and reach out for roadside assistance if you should get in trouble on the road.
Advantage Plus Plan Benefits
The benefits for Advantage Plus Plans include first accident forgiveness, a disappearing collision deductible, a deductible waiver for a not-at-fault accident and a $100 collision deductible reduction. Emergency expensive coverage is an additional benefit of Advantage Plus Plans. Not all benefits are available in all states.
The Hartford Customer Service Center for Business Insurance Clients
With an online business account with The Hartford, you have 24 hours a day, seven days a week access to billing information. You are able to view and print documents, file claims and request certificates of insurance all through your online account.
With The Hartford, you have the option of scheduling payments ahead of time or making a one-time payment with express pay. You also can set up autopay for automated monthly payments.
Through The Hartford Customer Service Center, you can view and print two years of policy documents and bills and other correspondence. You also can request a certificate of insurance. This online request takes about five minutes. Most certificates are emailed within four hours.
You are able to request an auto ID card online at any time and most requests are processed within one business day. In addition, you can check the payment status of a claim and review your claim history.
If you choose to go paperless with The Hartford business account, you’ll receive email alerts for every new document and bill instead of receiving snail mail.
Online Tools for The Hartford Customer Service
The Hartford offers customers an online calculator, online bill pay and online claims. There is a mobile app for paying bills, viewing account details, requesting roadside assistance and managing claims.
Other Insurance with The Hartford
In addition to home and auto insurance, The Hartford offers policies for renters insurance, condo insurance and flood insurance. The Hartford also has a number of business insurance policies including a business owner’s policy, business income insurance, business auto insurance, general liability insurance, commercial property insurance, worker’s compensation insurance and professional liability insurance.
The Hartford has many types of insurance and the company gives discounts for bundling policies. So there is an easy way to save money on insurance with The Hartford, simply bundle your policies.
Specialty Types of Vehicle Insurance with The Hartford
Commercial auto insurance covers vehicles used by business owners and their employees while doing company business. Classic car insurance is for classic and antique cars. The Hartford insures these classic vehicles through a third-party insurer, American Modern Insurance Group.
The Hartford also insures boats and recreational vehicles. These vehicles include RVs, ATVs, golf carts and snowmobiles.
How to File a Claim With The Hartford
You can file a claim through The Hartford’s website, over the phone and through The Hartford’s mobile app. The mobile app allows you to document an accident and start the claims process.
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AARP began in 1958 as a nonprofit membership organization for 50+ individuals. The AARP Hartford Auto Insurance Program has been around since 1984.
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