Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2020

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Company Details
Address: 2211 Butterfield Rd. Suite 200
City: Downers Grove
State: IL
ZIP Code: 60515
Phone Number: 888-663-5443
Website: http://www.aains.com/index.cfm
Year Founded: 1999
AM Best Rating: B+
Company Rating 1.07 (30 reviews)

American Access Auto Insurance Statistics
American Access
Auto Insurance Facts
StatisticsSource
Better Business Bureau ratingA+bbb.org
Years in business20bbb.org
Complaints closed in past 3 years172bbb.org
Complaints closed in past 12 months39bbb.org
Home stateIllinoisnaic.org
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This American Access auto insurance review will focus on American Access Casualty Company. The company is located in Oakbrook Terrace, Illinois, and can be reached at their toll-free phone number: 1-888-663-5443. This number can be used to file American Access claims. But how do they compare to the best auto insurance companies?

American Access Casualty Company has been in operation since 1999 and offers many different types of auto insurance products. It has 100 employees and serves the states of Illinois, Indiana, Nevada, Arizona, and Texas.

Start your search for the best auto insurance rates from multiple companies by entering your ZIP code above.

American Access Casualty Company Services

American Access Casualty Company specializes in automobile insurance coverage. It currently does not offer any additional insurance products to its clientele. It offers insurance to customers who have a Mexican or other international driver’s license. It is also able to offer insurance to those without driver’s licenses.

In fact, according to their website, they specialize in insurance directed toward the Hispanic community. Here are some details regarding coverage from American Access:

  • Coverage has affordable premiums
  • American Access offers low down payments
  • It offers same-day insurance
  • It offers installment payment plans
  • SR-22 Insurance coverage is offered
  • It has excellent claims and customer service
  • It accepts Mexican drivers
  • It accepts international customers
  • It covers those with no driver’s licenses

American Access Casualty Company also offers SR-22 insurance. SR-22s are for drivers who have been labeled high-risk by most insurers.

Not every insurer even offers SR-22s due to a lack of desire to cover a driver seen as high risk. Still, all but eight states require them for high-risk drivers: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania.

The company’s site warns of the dangers of not carrying insurance coverage, along with stating that its mission is to ensure that any potential clients have proper coverage.

Before we continue, let’s take a look at the ramifications for not having insurance coverage in each state.

Penalties for Driving without Auto Insurance by State
StatesPenalties for
First Offense
Penalties for
Second Offense
AlabamaFine: Up to $500; registration suspension with $200 reinstatement feeFine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension
AlaskaLicense suspension for 90 daysLicense suspension for one year
ArizonaFine: $500 (or more); license/registration/license plate suspension for three monthsFine: $750 (or more within 36 months); license/registration/license plate suspension for six months
ArkansasFine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundmentFine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. Court may order impoundment
CaliforniaFine: $100-$200 plus penalty assessments. Court may order impoundmentFine: $200-$500 within three years plus penalty assessments. Court may order impoundment
ColoradoFine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service$1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours community service
ConnecticutFine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement feeFine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee
DelawareFine: $1500 minimum fine; license/privilege suspension for six monthsFine: $3000 minimum fine within three years; license/privilege suspension for six months
FloridaSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatementSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for second reinstatement
GeorgiaSuspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes dueWithin five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
HawaiiFine: $500 fine or community service granted by judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six monthsFine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months
IdahoFine: $75; license suspension until financial proof. No reinstatement fee.Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee.
IllinoisFine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proofFine: minimum of $1,000; License plate suspension for four months; $100 reinstatement fee and insurance proof
IndianaLicense/registration suspension for 90 days to one yearWithin three years: license/registration suspension for one year
IowaFine: $500 if in accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled overN/A
KansasFine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100
KentuckyFine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shownWithin five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown
LouisianaFine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 daysN/A
MaineFine: $100 to $500; suspension of license and registration until proof of insuranceN/A
MarylandLose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registrationN/A
MassachusettsFine: $500 to $5000 fine and/or imprisonment for one year or lessWithin six years: License/driving privileges suspended for one year
MichiganFine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of StateN/A
MinnesotaFine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 monthsN/A
MississippiFine: $1000; driving privileges suspended for one year or until proof of insuranceN/A
MissouriFour points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement feeFour points against driving record; driver may be supervised; suspended for 90 days with $200 reinstatement fee
MontanaFine: $250 to $500 fine and/or imprisonment for no more than 10 daysFine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days
NebraskaLicense and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
NevadaFine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days; reinstatement fee: $250Fine: $500 to $1000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500
New HampshireNot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.N/A
New JerseyFine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per yearFine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service
New MexicoFine: up to $300 and/or imprisoned for 90 days; license suspensionN/A
New YorkFine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of license if without
insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance.
N/A
North CarolinaFine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate feeFine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North DakotaFine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50.
OhioLicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
OklahomaFine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees.N/A
OregonFine: $130-$1000 ($260 is the presumptive fine); If involved in accident — at least a one year license suspension; proof of financial responsibility required for three yearsN/A
PennsylvaniaRegistration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month periodN/A
Rhode IslandFine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50
South CarolinaFine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement feeFine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee
South DakotaFine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license.N/A
TennesseePay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25N/A
TexasFine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and
cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day.
UtahFine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement feeFine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
VermontFine: up to $500; license suspended until proof of insuranceN/A
VirginiaFine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paidN/A
WashingtonFine: Up to $250 or moreN/A
West VirginiaFine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty feeFine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance
WisconsinFine: up to $500N/A
WyomingFine: up to $750 fine and up to six months in jailN/A
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Let’s move on to what coverage American Access offers its clients.

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American Access Casualty Company Automobile Coverage

American Access’s automobile insurance policies come with multiple coverages, all of which are listed below.

Auto Insurance Coverage Types Offered by American Access
Coverage Type Details
Bodily injury liabilityCovers you if you were to cause an injury or death to someone while operating your vehicle. If you're sued by someone whom you've injured, this is what will defend you.
Property damage liabilityThis will cover damage to another person’s vehicle or property as a result of an accident that was your fault. If you're sued by an individual whose property you damaged, this will pay for your defense.
Medical paymentsAlso known as MedPay, this will cover medical expenses for injuries sustained by the driver or passengers in the covered vehicle. It also provides coverage as a pedestrian if you're struck by a vehicle.
Uninsured or underinsured motorist coverageThis will handle medical expenses and damage to your vehicle that results from an accident caused by a driver with no insurance coverage or insufficient coverage.
ComprehensiveThis protects you if damage occurs to your vehicle for anything other than an accident with another vehicle including fire, theft, vandalism or hitting an animal.
CollisionThis takes care of damage that occurs as a result of an accident with another vehicle.
Rental reimbursementThis coverage pays a set amount when the insured must rent a vehicle because of a policy-covered collision loss.
Roadside assistanceThis coverage pays a reimbursement to the insured when their vehicle must be towed to the nearest facility up to the agreed-upon dollar amount purchased under the policy.
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As you can see, not only does American Access offer mandatory coverage such as bodily injury liability and property damage liability, but it also offers further coverage. For example, they offer comprehensive coverage in case your vehicle strikes anything other than a car, such as a deer.

This video will help explain the basic types of auto insurance coverage:

American Access goes further by offering services you may see offered by a motor club such as rental reimbursement and roadside assistance.

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American Access Casualty Company Reviews

American Access Casualty Company is listed on the Better Business Bureau website with a grade of A+. On the grading scale used by the Better Business Bureau, this grade is considered well above average. Customer ratings don’t factor in the Better Business Bureau’s rating process. There have been 172 complaints about American Access Casualty over the last 36 months.

The majority of these have been resolved, while the rest were administratively closed, which means that the BBB found that the company made a good faith effort to resolve the issue, but the customer was still not satisfied with the outcome. With that being said, there is no information on anyone suing American Access Insurance.

The BBB gives companies a score based on the tally of a number of factors for each business, all on a scale of zero to 100. The American Access BBB rating is A+, which is a ranking of 97-100 points. Before we continue, here is a video from the BBB on accreditation.

American Access Casualty Company offers non-standard automobile insurance products like the aforementioned SR-22. Generally, as noted by the Insurance Information Institute (III) this means it will give insurance to individuals who may not qualify for insurance elsewhere and may be looking at American Access for full coverage.

Since it offers these services, there are more likely to be a higher number of complaints filed. American Access’ Auto Watch program is an attempt to lower this by allowing customers to check on the progress of their vehicle’s repair by inputting their claim number.

People who are not satisfied with insurance products at other companies may feel entitled to the best insurance products from a company that offers non-standard insurance products.

Whether you want a small company like American Access or a large one, comparing rates is key. Search for the best online auto insurance rates by entering your ZIP code below.

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Frequently Asked Questions: American Access Auto Insurance

#1 – Who owns American Access?

There is not currently information on who, individually, owns the company or what other company it is a subsidiary of.

#2 – Is American Access a good insurance company?

If one were to go by the reviews on Consumer Affairs, no.

#3 – How good is Kemper Auto Insurance?

A Google search will show that Kemper has received below-average customer service reviews.

#4 – Is Kemper Life Insurance legit?

It has an excellent rating from A.M. Best and from BBB.

#5 –Does Kemper Auto Insurance cover rental cars?

If you add Kemper auto insurance rental reimbursement coverage to your existing policy.

#6 – Is American Access Insurance in Reno, NV?

The nearest location to Reno is American Access in Las Vegas, NV on 2030 E Flamingo Road.