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Acceptance Auto Insurance Review

  • 1.321.321.321.321.32
Address: 3813 Green Hills Village Drive
City: Nashville
State: TN
ZIP: 37215
Phone Number: 1-800-321-0899
AM Best Rating:
Market Cap:
Year Founded: 1969

Acceptance Auto Insurance, also called First Acceptance Inc., was founded in 1969. Acceptance retails, services, and underwrites nonstandard auto insurance for those individuals who have a high risk insurance rating, have been denied insurance by other companies, or have had their policies canceled by other providers.

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Details on items including services, claims info, contact info and even careers with the company follow. Drivers with that high risk label are almost guaranteed to pay higher insurance rates. So it is vitally import to compare options.

Acceptance Auto Insurance Services

First Acceptance Auto Insurance often provides basic insurance to those individuals who need auto insurance to comply with state laws yet have a poor record either in terms of their driving history or payment history. They also provide an array of auto insurance policies including:

  • Bodily injury liability
  • Property damage liability
  • Comprehensive auto insurance
  • Collision insurance

Acceptance Auto Insurance Locations

First Acceptance Auto Insurance is based in Nashville, Tennessee, but maintains close to 400 retail locations across twelve states including: Tennessee, Mississippi, Alabama, South Carolina, Georgia, Florida, Texas, Missouri, Illinois, Indiana, Ohio, and Pennsylvania. Acceptance is also licensed to insure motorists in 13 other states.

Acceptance Auto Insurance Contact Information

Acceptance Auto Insurance has its main headquarters in Nashville, Tennessee. While you can find information online for Acceptance, it is recommended that you speak with an agent directly before purchasing a policy.

If you wish to contact First Acceptance the following addresses and numbers can be used. Representatives at these numbers can provide you with contact information for a local agent or office in your region.

Corporate Headquarters:
3813 Green Hills Village Drive
Nashville, TN 37215

Customer Service:
3813 Green Hills Village Drive
Nashville, TN 37215

Acceptance Auto Insurance Quotes

If you are considered a high risk driver and have had difficulty obtaining insurance through other providers you may wish to obtain a quote from First Acceptance. People who fall into this category may include:

  • Single males, ages 16-24
  • Individuals with two or more driving violations
  • Those who have been charged with Driving under the Influence
  • Those with a poor credit rating
  • Individuals with a significant prior claims history
  • Those who have had a lapse in their insurance coverage
  • Drivers who have had their license suspended
  • Men or women over the age of 70
  • Individuals who have had a poor payment history leading to cancelled insurance with another provider

If you fall into one of these categories or are considered high risk for another reason you can investigate a First Acceptance Auto Insurance online. By entering some personal information onto a form you can also obtain a quote online. After that it is recommended that you speak to an agent due to the specialized nature of this insurance.

Although certain circumstances could still result in denial of coverage by Acceptance, this provider does insure most people who apply. First Acceptance does not require a credit check in order to determine who will qualify for insurance.

Acceptance Auto Insurance Careers

First Acceptance Auto Insurance lists several part time and full time openings in several different states within their company. These positions include:

  • Sales Agent
  • Retail Customer Service Representative
  • Claims Analyst
  • Claims Supervisor

The company’s website contains an easy search option to search for employment in a field or location of your choice.

Acceptance Auto Insurance Claims

There currently is no option for filing auto insurance claims online. Acceptance insurance recommends calling a claims representative at 1-800-779-2103 if you wish to file a claim. The company states on its website that it is in the process of developing a system for online claims filing.

Acceptance Auto Insurance Customer Reviews

In examining reviews online it becomes clear that many consumers have been displeased with their experience with First Acceptance Auto Insurance. Complaints were reported from individuals who were involved in an accident with an individual whose insurance is provided by First Acceptance. These included complaints about First Acceptance not providing money when they say they will, providing much less money than the estimate to repair the vehicle, or the rudeness and unprofessional attitude of customer service staff.

Customers of First Acceptance also complained about the claims process, rates changing frequently without explanation, hidden fees, refusal to cover many claims, or only paying a small portion of the repair cost.

The positive aspect of First Acceptance is the fact that they will often provide drivers with insurance when no other companies will. Every state in the U.S. requires drivers to carry some level of car insurance or risk suspension of their license to drive. When there are no other options, Acceptance Auto Insurance may be viewed in a more positive light.

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Reviews for Acceptance Auto Insurance

  1. Charla Mosley says:

    this company is poor extremely poor. I had an accident on december 30th 2011 and no one has called me or inspected my car yet. I will never deal with this company ever again. Plus the customer service people are very rude and disrespectful. I am telling everyone on twitter and facebook to spread the news on horrible this company is.

    • 11111

    First Acceptance is by far the worst insurance company ever I find it appauling that they are still allowed to do business every complaint that is listed above is complete truth and thats sad. They are the epitome of unprofessional,rude, incompetent,and just plain the worst mistake you can make when chosing an insurance carrier. I don’t see how they have been in business this long and I will do whatever is in my power to try and shut them down. Their business practices are disgraceful and it is assinine that the BBB has them with an A+ rating, but that means nothing because business pay for a good grade with the BBB. Please send your complaints to the Department of Insurance for your state the BBB does nothing.

    • 11111

    If there was a 0 rating, they would receive a 0!. This is the worst place to do business. The staff is GHETTO beyond GHETTO and unprofessional. They will not be around much longer. They smile while taking your money, but when a “CLAIM” comes up, it’s a problem. Please take your business elsewhere. The few extra dollars you may pay will be worth it should an emergency arises. “Sabrina Ramos” and Delana Johnson are the sneakiest claim representatives they have.

  2. I have only been with this company a few months and I am NOT pleased. I am a College studnt, soon to be a Graduate and I caught a flat tire the other day and they gave me the third degree just to get my information that they already had, which caused me to miss my classes this morning and to be late for work. When I called my agent LIZBETH DOMINGUEZ out of Grand Prairie, TX she was rude, unprofessional, and very disrespectful, but yet when it’s time to pay my insurance everything is all smiles. People shouldn’t be treated this way, I will contact everyone i have to until this issue is taken care of. At the end of the day, we are doing them a favor by CHOOSING to be thier customers, not the other way around.

    • 11111

    I, just like the person who put no adjuster came to inspect the vehicle am going throughthe same thing. Somebody egged my car while in a different state and no one has came to inspect my car. I was upset on the phone and tge woman ‘tracy’ kept laughing at me! This insurance IS ghetto! Geico treated us so much better, my advice is stick to the BIG NAMES IN CAR INSURANCE! This was our FIRST CLAIM too! I hope people read this and take these reviews seriously. I wouldnt wish this on anyone! a lady named rhona draper handling my claim first… Then they gave me a new rep to handle my case. Why?! And another thing- I am pretty sure when you call the many numbers on their website its all in one building because the same people always pick up. G H E T T O -when I said that no one has came to appraise my car damage in a month tracy said ‘ohhh, sorry.’ I can get someone to come out’… Really?! Wow. Sorry my review is everywhere.

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    R. Gibbons says:

    When my policy was written up, the agent didn’t even ask me what coverage I wanted. He just wrote up liability, and that was it. Poor service. Goin to another provider Asap.

    • 33333
    Todd Box says:

    I pay my bills early. I always pay a month in advance by the 3rd of the month that is before when the bill is due. The rates from one month to the next change. I pay with a money order, and I call every month to see what the bill is. Every month they tell me I have a late fee because it is the 3rd of the month, even after they look me up in their computer. I was told the home office puts this on me. Every month I take my paid in full receipt down to the office and show them, and they remove the late fee. In the meantime at the credit agencies, this is affecting my credit rating and I have not been able to get this corrected. I have only been late once in 2 years and that was because I was on vacation in January of this year, and I thought I had already paid the car insurance bill. I am looking for a more reliable insurance company that does not penalize you for early payment of your car insurance fees. Besides this, I have had no complaints but then again no accidents.

    • 11111
    anita postell says:

    I have been a customer for about 4 years now and i just recently had to file a claim. I am so not pleased with this company what a rip off. I am still waiting to get a acceptable amount of money for my vehicle being vandalized. i have been paying full coverage for 4 years and the most they tried to tell me i could get for the damages is 200 dollars i don’t think so if i don’t get this resolved the way it should i will be suing this company and taking them to small claims court for my money. I also feel very much’t hear anything back from somebody by Monday then i will be going to court.

    • 11111

    How do you report a claim?
    I was hit by someone who is getting insurance through them, and this is the only available number. HOW DO I REPORT IT?

  3. Corey Haney says:

    This is the worst company I’ve every had to deal with , I’m amazed they are allowed to still do what they do, so disrespectful, I have never called them and someone answered the phone, please don’t use this company You will regret it consider this a warning !!!!

    • 11111

    Had to pretend to want a quote in order to get a live person to take claim information since my car was totaled by one of their insured. Even the state farm rep gave me her personal info to be a witness to the extreme rudeness portrayed by adjuster Nicholas Owens. My attorney will take over for me today but I will let everyone on facebook, twitter, and in person know how unprofessional this company is

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    jose perea says:

    bad business unprofessional they did not answer the phone there are record that said leave a message at the tone, then after the tone hang up, I realize than somebody must to be at the accident to take pictures and take a report and nobody answer the phone esve the roadside assistance Im going to make a report to a BBB

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    jose perea says:

    nobody answer the phone even the roadside asitance had and accident and nobody answer the phone they said at the tone leave a message and at the tone they hang up

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    B Williams says:

    claims department is the worst. hardly any calls back and they take forever to settle. frustrating process!!

  4. I have the the reviews and I can not agree more that this company is the worst for claims I am in the middle of a claim and keep getting the run around the staff is rude and give you the run around I wonder if they train them to be that way I am working my to file reports with top people of the company and will continue to write complaints where ever I can they are by far the rudest people I have ever dealt with ….. It’s not my fault that one of there insured hit me ….. And I should not get the run around ….

    • 55555

    Never had to make a claim and hope I shall ever have to, but I must say Hope in the South County office is awesome she is very knowledgeable extremely helpful no her craft very well and was excellent and handling sign me up. but like I said at the beginning I hope I never have to deal with anyone else I give up Hope 5 stars.

    • 11111

    This company is the worst! One of there customers totaled car and this just has been the worst experience of my life! They screw around, take forever and never answer the phone or call you back, They are giving me the run around so I can’t get shit from them. I already have a lawyer ready to sue these people for everything! They don’t deserve to be In business! If you have to deal with these people I am so sorry!

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    Angry Customer says:

    This is by far the WORST insurance company I have EVER dealt with. I will not be renewing my policy. First its extremely difficult to get through to them when filing a claim, very LONG wait times and sometimes after waiting so long there ivr hangs up and make you start over. Funny how fast they answer when I wanted to start a policy. Secondly the insurance adjustor Leidy V. has the WORST attitude and will prolong the cpayment process as long as possible. She NEVER answer her phone and advise all calls are returned within 24 hrs. This is a lie I called for 5 days straight and no call back until finally I called her supe and what do you guess happened? She called multiple times in one day with a nasty attitude. SMH. i am the victim of someone vandalizaing my car and the insurance company I pay money to for this, is ran by a bunch unprofessional individuals that refuse to do their jobs, have nasty attitudes, no respect for their members, prolong paying claims that you are entitled to,have you waiting in excess of 30 mins and may/may not answer… pure TRASH!!!!

    • 11111
    Irritated says:

    One of there customers backed into my car on private property. My car was parked and she backed into it while talking on her cell phone. This property is huge and the driveway sits back from the street, out of sight from people traveling on the road. The agent I spoke to said I could not use a personal witness, which is all that was at this location. The witnesses know both party. A police report could not be filed because there were no injuries. The representative that called me was rude and even though I knew her story about not being able to use my witness was BS, she got mad when I refused to take off of work to go to these locations she gave me, especially when I was told an adjuster would come to me. They were located in very bad area of town. Then she goes on and mentions that the policy holder will not contact them back and it may not be covered. I told her to contact me after she gets a hold of her policy holder. I have also sought legal counsel in this matter. This is by far the worst insurance company I have had to deal with, I would not recommend them to anyone!

  5. Sherrome Nichols says:

    It has been almost two months since filing a claim for storm damage to my vehicle..the appraiser came right out but the adjuster and the process thereafter has been a total nightmare. My adjuster, Kimberly Hansen didn’t return my call, I actually had to keep calling her. Finally I spoke to her and fortunately for her she was going on vacation and referred me to a different adjuster, Lisa Whaley. Lisa processed a check but for some reason I never received it. However, I did receive letters to pay my bill at the same address. Been calling and calling and nothing. Waiting for them to stop payments for a month and still nothing. This is the worst insurance company I ever had to deal with. $507 is all I’m waiting for. I paid almost double that just in down payments for my policy to be written. What a shame.

    • 11111

    The worst insurance company there is. I am still waiting for my September 18 claim to be settled. I must find an attorney.

    • 55555
    Ashley fell says:

    I’ve been with Acceptance for eight years. And have never had a problem knock on wood.

    • 11111

    Worst bullshit ass company they deny my claim so now im suing their client my car was parked and their stupid client hit my car they wont cover my damages but im suing yall you daamn pieces of shit fuck yall motherfuckers

    • 11111
    horrible liars says:

    Someone hit me. Got a call once and have not heard back after leaving multiple messages and being told I will get a call in 24 hrs. They have all the info, police report, witness statement, even the insured made his claim. But still no one has come to look at my vehicle to assess damages and was told I would within 5 days. They lie lie lie just to get you off the phone. Renae Mcwright…. You should be ashamed of yourself…

    • 11111
    Ken Butler says:

    They obviously do not pay their claims. This company should be put out of business. I have been waiting 14 days and still no word from the adjuster. They will not answer phone calls. They lie constantly. They deserve a zero rating.

    • 11111
    marcoringo says:

    I agree…too bad there is no “zero-star” rating. An “Acceptance” client hit my car while I was asleep in bed….legally and safely parked on the street in front of my house. Acceptance ignored their own estimate, and totaled my car, even though the cost to fix it was way lower than the blue book. My car would qualify for top dollar blue book, in that I had just paid seven thousand dollars to have everything in the world fixed and redone, including paint and body. It’s like a new car. Acceptance didn’t offer any money, they just sent a bully letter telling me I have to sign away my car to them, and accept (thus the name of their company) whatever they say, unless I want to take nothing or next to it. They didn’t even offer any dollar figure at all. Just bossed me around. The person at fault had his car fixed immediately, while I, the victim here, was bossed and bullied and lied to and jerked around. These people should stop wasting water by not taking showers because their slime is nonwashable.

    • 11111
    Ashley Welburn says:

    I do not understand why you guys who have such a horrible experience don’t call the BBB and file a complaint against this company. Some of the reviews are from 2011, well it’s now July the 4th 2014 and only 2 reviews had something to say that differed from all the others. The reason why I am posting a review is for the same reason everyone else did. I am extremely angry with this company. The extreme lack of business ethics is deplorable. My husband was rear-ended on May 2nd, 2015 and it’s now the 4th of July and we are just now receiving the check for our car that was totaled. No one single person would pick up the phone nor return calls. FOR 2 MONTHS!! Lied numerous times and that was in the final week. The adjuster lied saying the check was sent overnight, that overnight turned into a week and I was still charged $20 for FedEx. Also stuck paying $300 for a rental car because the adjuster never had it extended and didn’t notify us on the matter. Report this company to

    • 11111


    • 11111
    D'Eriak Hudson says:

    This company is so full of s@#$ it is sad. One of their clients hit my car and it has been over two months ago. No one has returned my calls or came to look at my car when clearly it was her fault. Thye want me to keep calling, but I get NO callback. This truly is a company that needs to be shut down!!!!!!

    • 11111

    This company deserves Zero Stars! Poor Customer Service. Even it’s employees are treated poorly. Being promised a careered path that doesn’t exist.Had an accident on July 18 and now mid-August no adjuster or body shop.Who pays the storage daily? How about the Excellent and convenient way Acceptance makes it rent a car? You need about 20 pieces of paperwork to get repaid.WOW.
    I am amazed that the Insurance Commission has allowed this company to do business so long.People instead of complaining and whining call the newspapers and television stations in Acceptances hometown and put them on notice.

    • 11111

    This is by far the worst company ever stay away first off i started a policy the guy on the phone wrote my wrong bank account down which caused my policy to cancel and my license to be suspended due to me being on a sr22 so I called staff was very rude telling me it was my own fault and that I would be responsible for the $20 fee for NSF since the guy entered the wrong account number. When I started the policy I was quoted $77 a month when I get my insurance card and declaration page my monthly payments are not what I was quoted at the $77 but surprisingly they are $175 per month. I called to ask why once again was met with a rude employee who once again stated it was my fault for omitting information on my driving record. When I first got the policy they ran my driving record and had quoted me the price based on that. So once again stay clear they are a scam I’m currently with safe auto which my 3-month premium is cheaper than what I was going to pay for 1 month with acceptance if you w want cheap prices and honest people I suggest you go through them

    • 11111

    I am so sorry for anyone that has to deal with this company. My review is to show how long they take to get a claim resolved. I was hit by their client in September 2012! My car was fixed immediately, thank God! However, the adjuster Andrew Johnson gave me the runaround. Never returned my calls….weeks at a time. After a few months, I saw this was going nowhere fast, so I hired an attorney. The next msg. I left Andrew was “If I don’t hear from you, I will be contacting an attorney” and he called back! REALLY??? Because I knew he was OBVIOUSLY getting my messages and ignoring me, I told him that he could speak with my attorney and I never spoke with them again. It has been 3 YEARS!!!! It is now September 2015 and we just reached a settlement on August 30th. I have yet to receive my money, but I am hoping soon. If you are hit by their client, go ahead and hire someone. It will save you time and headaches.

    • 11111
    horrible cust. service says:

    Someone rear ended me Labor day weekend. Called to file a claim after the weekend and got ahold of someone right away and was given a claim number and then was told someone would call me within 48 hours. Three weeks later I have yet to hear from them. Just called the claims number and after a few mins of being on hold, someone picked up the line and after a couple of mins of dead silence, I said, “hello?”. Several seconds go by and I hear “just a second”. A good minute or two of dead silence goes by and then he says “can I have the claim number”. Didn’t even bother to introduce himself or ask for my name. He then says, “give me a couple of seconds to look at this claim”. A couple of mins of silence go by and I say “are you having problems with that claim number?” No reply. I wait another min and asked the same question again. Next thing I know, I’m back in the call queue. Stay on hold for a few mins and then I get a recording to leave my name and number and they will get back with me. Yeah, right…

    • 11111

    This company is an absolute nightmare. I was in an accident two months ago and have been bounced back and forth, given numbers that don’t exist for contact information and have had two people come and “inspect” my car without sending me copies of ANYTHING. This has been an absolutely horrible experience as if getting in an accident that wasn’t even your fault wasn’t already hard enough.
    Get your act together, Acceptance. Totally unacceptable.

    • 11111


    • 11111

    This company is shady as hell. My dad missed 2 weeks of work because they wouldn’t answer their phone when their client hit my dad in the back. We had to pay that expensive insurance from the rental car business in order to drive the car. For 2 months my family gotten so far behind on our bills because of them. They stop paying for the rental car a week before we even got a check and we are left paying a $300 plus bill. And the check was worth nothing. They didn’t include my dad missed work days or doctor fees. Even the rental car company had trouble contacting them about paying the fees. We are suing big time and I hope they get put out of business soon. SCAM & CROOKS.

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