I would like to file a complaint against American Family Insurance and their practice of using Credit Based Insurance rate increases. I have been a loyal customer for over 10 years and I've only had a hail damage claim, no accidents, and no tickets or other violations. I do not have gaps in coverage and I have always paid my premiums. I feel like the law is allowing insurance companies to take advantage of people like me who have low credit scores by charging higher premiums. My credit was affected when I became disabled and was no longer able to work. It took 2 years before I started receiving disability income so I had no way to pay my bills. I am not a 'high-risk' driver, I only drive within a 6 mile range of my home, and that is only to go to the closest Wal-Mart once or twice a month. The rest of my driving is within less than one mile from my home. I only put about 1500-2000 miles on my car per YEAR. I have no negative driving record. I only had 2 tickets when I was 16--20 years ago! Believe me, I paid for those tickets in high premiums back then. I feel that it is totally unethical to charge insured customers like me a higher rate suddenly and charge me with being 'high-risk' when I have done nothing to ever deserve that label. I pay all of my bills on time and in full every month and I have nothing negative on my credit showing otherwise for any period in the past several years after my disability. This issue of using a credit score to raise my rates is ridiculous and considering that I live on $1, 000 a month, paying extra insurance is not conducive to making it easier to pay bills and have good credit!

American Family Insurance
6000 American Parkway
Madison, WI 53783-0001
(608) 249-2111

American Family Insurance is the worst company I have ever dealt with. Not only are they uncooperative they are uncaring. These people are robots and don't know how to think on their own. Even after I contacted "Customer Care", Lisa was just as uncaring and not even willing to understand why there was a $100 difference in the claim. Also, they have dragged this out to over a year. They only are about their bottom line. They don't care if they lose clients. I have since cancelled 2 auto and home owners insurance over $100 on a claim because I was able to prove the NADA value of my vehicle was $100 more than their value. I had to get provide 10 different appraisals and in the end all they really wanted was the NADA. They didn't care about the NADA value because they went up on the price on the aftermarket items. Which I had invoices for everything. They try to make it like they were doing me a favor. I would NOT recommend buy insurance from American Family. They are NOT looking out for your well-being. They are NOT concerned with getting you back to pre-crash condition.