First American Insurance Review & Ratings (2024)

Overall, First American Insurance is a well-established car insurance provider with a long history of serving customers across multiple states.

The company offers a range of coverage options and discounts to help customers tailor their policies to their individual needs and budget.

While some customers have reported negative experiences with the company, many others have praised the quality of customer service and competitive rates.

As with any car insurance provider, drivers should do their research and get multiple quotes to compare prices and coverage options before making a decision.

What You Should Know About First American Property & Casualty Insurance Company

First American Property & Casualty Insurance Company Insurance Coverage Options

First American Insurance offers a variety of car insurance products and services to meet the needs of its customers. Some of their main products and services include:

• Liability coverage: This coverage protects drivers from being held financially responsible for any damages or injuries they cause to other people or property while driving. First American Insurance offers both bodily injury and property damage liability coverage.
• Collision coverage: This coverage helps pay for repairs or replacement of a driver’s car if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage helps pay for repairs or replacement of a driver’s car if it is damaged in an incident that is not a collision, such as theft, vandalism, or a natural disaster.
• Personal injury protection (PIP): This coverage helps pay for medical expenses and lost wages if a driver or their passengers are injured in a car accident, regardless of who is at fault.
• Uninsured/underinsured motorist coverage: This coverage helps protect drivers from financial losses if they are involved in an accident with someone who does not have insurance or who does not have enough insurance to cover the damages.

In addition to these standard car insurance products, First American Insurance also offers a range of additional coverage options and services, such as roadside assistance and rental car coverage. They also offer discounts for safe driving, multi-car policies, and bundling car insurance with other types of insurance policies.

States Where First American Insurance Offers Coverage

First American Insurance offers car insurance coverage in most states across the United States. However, the specific availability and cost of coverage may vary by state.

The states where First American Insurance offers coverage include:

Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin

It’s important to note that the availability of coverage and the cost of premiums may vary depending on several factors, including the type of coverage, the driver’s age and driving record, and the make and model of the car.

Drivers should always check with First American Insurance to see what coverage options are available in their state and what the cost of coverage will be.

First American Property & Casualty Insurance Company Insurance Rates Breakdown

The cost of car insurance from First American Insurance will depend on a variety of factors, including the type and amount of coverage, the driver’s age and driving record, and the make and model of the car being insured.

Additionally, rates may vary based on the state where the policy is issued.

To get a better idea of the cost of car insurance from First American Insurance, drivers can request a free quote from the company’s website or by contacting their customer service department directly.

It’s important to note that the quote will only be an estimate, and the actual cost of coverage may be higher or lower depending on the individual driver’s circumstances.

First American Property & Casualty Insurance Company Discounts Available

First American Insurance offers a range of discounts to help their customers save money on car insurance premiums. Here are some of the discounts that may be available:

• Safe driver discount: Drivers who maintain a clean driving record with no accidents or moving violations may be eligible for a safe driver discount.
• Multi-car discount: Customers who insure more than one vehicle with First American Insurance may be eligible for a discount.
• Bundling discount: Customers who bundle their car insurance policy with other insurance products, such as homeowners insurance, may be eligible for a discount.
• Good student discount: Full-time students who maintain a certain GPA (usually a B average or higher) may be eligible for a discount.
• Anti-theft discount: Cars equipped with anti-theft devices or tracking systems may be eligible for a discount.
• Defensive driving discount: Drivers who complete a defensive driving course may be eligible for a discount.
• Pay-in-full discount: Customers who pay their annual premium upfront instead of in monthly installments may be eligible for a discount.

It’s important to note that the specific discounts offered by First American Insurance may vary by state, and not all discounts may be available in all states.

First American Insurance Claims Process: Hassle-Free Claims Handling

Ease of Filing a Claim

First American Insurance strives to make the claims process as convenient as possible for their customers. They offer multiple channels for filing a claim, including online submission through their website, over the phone, and via their mobile app. This flexibility allows customers to choose the method that best suits their preferences and circumstances.

Average Claim Processing Time

First American Insurance is committed to prompt claims processing to ensure a smooth experience for their policyholders. The exact claim processing time can vary depending on the complexity of the claim, but the company aims to process claims efficiently and provide timely resolutions to its customers.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of a company’s claims handling. First American Insurance values customer satisfaction and actively seeks feedback on claim resolutions and payouts. They strive to address concerns and improve their processes based on customer input to ensure a positive claims experience.

Unlocking Efficiency: First American Insurance Digital and Technological Features

Mobile App Features and Functionality

First American Insurance offers a user-friendly mobile app that provides various features and functionalities to enhance the overall customer experience. The app allows customers to manage their policies, file claims, view policy documents, make payments, and access important resources on the go, providing a convenient and efficient way to interact with the company.

Online Account Management Capabilities

First American Insurance provides a robust online platform that enables customers to manage their insurance accounts seamlessly. Through the online portal, customers can review policy details, update personal information, make policy changes, and track claims. This online account management capability empowers customers to have greater control and visibility into their insurance policies.

Digital Tools and Resources

First American Insurance offers a range of digital tools and resources to assist its customers in understanding their insurance coverage and making informed decisions. These tools may include educational articles, FAQs, insurance calculators, and coverage comparison tools.

By providing these digital resources, First American Insurance aims to empower its customers to navigate the insurance landscape with confidence.

How First American Property & Casualty Insurance Company Ranks Among Providers

First American Insurance operates in a competitive landscape within the insurance industry. Understanding its key competitors and why they pose competition is crucial for individuals seeking the best coverage options. Here are some notable competitors of First American Insurance:

• State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products. They are competition due to their extensive customer base, diverse coverage options, and strong financial stability.
• Allstate: Allstate is known for its comprehensive coverage options and innovative features like Drivewise. Their strong brand presence and commitment to customer service make them a formidable competitor.
• Geico: Geico is renowned for its competitive pricing and user-friendly online platform. As a direct-to-consumer insurer, Geico’s efficiency in operations and focus on cost savings present a significant competitive edge.
• Progressive: Progressive is recognized for its dynamic approach, including usage-based insurance and the Snapshot program. Their commitment to technology and innovative policies makes them a strong competitor.

In the dynamic landscape of insurance, First American Insurance faces competition from industry giants like State Farm, Allstate, Geico, and Progressive. Each competitor brings unique strengths, whether it be extensive coverage options, competitive pricing, or technological innovation. Individuals seeking insurance coverage should carefully compare these options to find the provider that best aligns with their needs and preferences.

Customer Feedback for First American Insurance

Customer reviews can be an important factor to consider when evaluating a car insurance company like First American Insurance.

While individual experiences can vary, here is a summary of customer reviews for First American Insurance:

Positive Reviews:

• Many customers praise the company’s customer service, noting that representatives are helpful and responsive.
• Several customers report that they were able to get competitive rates on their car insurance policies.
• Some customers appreciate the company’s easy-to-use online platform for managing their policies.

Negative Reviews:

• Some customers have reported difficulty when filing claims with First American Insurance, citing slow response times and poor communication.
• Some customers have expressed frustration with unexpected rate increases or billing errors.
• A few customers have reported that they experienced issues when trying to cancel their policies or make changes to their coverage.

It’s important to keep in mind that these reviews represent the experiences of a small subset of customers and may not be representative of the company as a whole.

Before deciding on car insurance, drivers should do their research, consider their individual needs and budget, and get quotes from multiple providers to compare prices and coverage options.