Lone Star Auto Insurance Review

Lone Star offers a variety of insurance types, including commercial auto insurance. The average rate for commercial coverage is $304.83/mo in the US.

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Company Details

Address:

3600 Woodview Trace

City:
Indianapolis
State:
IN
ZIP Code:
46268
Phone Number:
800.428.1441
Year Founded
AM Best Rating:
B++
Company Rating 0 (0 reviews)

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...

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Written by

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...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Apr 16, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Lone Star is a member of the Indiana Lumbermen’s Mutual Insurance Company
  • Indiana Lumbermen’s Mutual Insurance Company owns both Lone Star National Insurance Company and the National Building Material Assurance Company
  • Lone Star utilizes both independent agents and agents that are hired directly by the company

Lone Star National Insurance Company is the topic of this auto insurance review.

It’s also a commercial insurance company that sells commercial auto insurance as well as other insurance products in 43 states.

Lone Star is a member of the Indiana Lumbermen’s Mutual Insurance Company.

Indiana Lumbermen’s Mutual Insurance Company owns both Lone Star National Insurance Company and the National Building Material Assurance Company.

Enter your ZIP code above and start comparing FREE online auto insurance quotes today!

Lone Star Insurance Products

When first in business, Indiana Lumbermen’s wrote policies for both businesses and individuals, however, today the company focuses only on business insurance solutions.

Lone Star writes a variety of product types, which include:

  • IML Protector
  • Commercial Output Policy
  • General Liability
  • Commercial Auto
  • Equipment Breakdown
  • Inland Marine
  • Business Interruption and Extra Expense
  • Commercial Umbrella
  • Crime Coverage
  • Fiduciary Liability Coverage
  • Fidelity, Surety & Contract Bonds

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Lone Star Auto Insurance Agents

Lone Star utilizes both independent agents and agents that are hired directly by the company.

Because they don’t have offices in every state that they sell insurance products in, you may feel more comfortable using an independent agent.

However, you don’t mind doing your insurance business on the phone or online, then using the company directly is certainly an option for you.

Lone Star Auto Insurance Careers

Currently, Lone Star is only hiring underwriters. However, there are times where they are also hiring claims reps, loss control reps, IT, accountants and other financial operatives, human resources, mail supply employees, marketing staff and more.

Lone Star’s benefits include:

  • Health insurance
  • Prescription insurance
  • Dental insurance
  • Long-term disability insurance
  • Short-term disability insurance
  • Life insurance
  • Accidental death and dismemberment insurance
  • 401(k)
  • Paid time off
  • Athletic club reimbursement
  • Flex medical spending account
  • Flex dependent care spending account
  • Educational assistance
  • Flexible work schedule
  • Performance bonuses and awards

Lone Star Auto Insurance Claims

Lone Star claims that their claims department handles their claims faster than anyone else. When you file a claim, you will be contacted the same day regarding that claim.

You can report a claim by:

  • Filing your claim online
  • Emailing a claim to a customer service rep
  • Faxing your claim to the customer service department
  • Calling the customer service department directly

Lone Star doesn’t provide any information regarding the hours worked by their customer service and claims staff.

In order to file a claim, you must report the claim within 24 hours of the loss.

The exception here is if you have an emergency situation, such as being in the hospital, which prevents you from filing the claim within that time frame.

In addition, they do have separate numbers for you to call for different claims.

These are categorized as:

  • Casualty Losses (Auto, Premises or Products Liability)
  • Property Losses (Fire, Lightning, Wind, or Hail)
  • Workers Compensation Injuries

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Lone Star Auto Insurance Quotes

Because this is a commercial insurance business, you will not be able to get quotes for your services online. If you want a quote, all you need to do is call the customer service department and they will connect you with an agent who can help you.

Getting a commercial auto insurance quote is far different than getting a personal one. They will do a risk assessment on your business to determine what your car insurance rates will be.

If you are purchasing insurance other than auto insurance, an adjuster may need to come to your place of business to determine the in house risks that are posed.

Lone Star does specialize in lumber yard insurance, which means that the risks are even higher for certain losses due to fire. An inspection of your property will be required if this is the type of business that you run.

While it can take several days to get a quote, your quote will be a binding one. In other words, the company will not be allowed to change the quote for a determined amount of days. Once they put it in writing for you, they have to honor it.

This differs from a quote tool option because when you get a quote via a quote tool, every variable cannot be calculated.

For instance, if you are getting a quote for a vehicle used for your business, a quote tool cannot determine the risk factors for your driver in terms of the goods that they are carrying, how heavy their loads are and so on.

If you are in the market for personal insurance, then a quote tool is an excellent option. Enter your zip code below to get your FREE auto insurance quotes today!

References:

  1. http://www.ilmgroup.com
  2. https://www.progressivecommercial.com/business-insurance/general-liability-insurance/
  3. http://www.propertycasualty360.com/2015/02/18/6-things-to-understand-about-commercial-umbrella-l
  4. https://www.thehartford.com/business-playbook/in-depth/fiduciary-liability-insurance-protects-against-mismanagement
  5. https://www.deltadental.com/Public/index.jsp
  6. https://www.geico.com/life-insurance/
  7. https://www.allstate.com/claims/report-claim.aspx
  8. https://www.allstate.com/business-insurance.aspx
  9. http://www.plmilm.com/


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