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Business Profile

Insurance Companies

American Heartland Insurance Company

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for American Heartland Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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American Heartland Insurance Company has 2 locations, listed below.

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    Customer Complaints Summary

    • 68 total complaints in the last 3 years.
    • 16 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/25/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Currently dealing with a car accident and this insurance company keeps putting in extra steps to get anything done and get my car looked at all. I have full coverage and paid in full currently. Nothing is still being processed.

    • Initial Complaint

      Date:02/18/2025

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Insure On The Spot, **********************, United Equitable Insurance Company, American Heartland Insurance Company nor any other affiliates acting in/on your behalf as an insurance carrier did not disclose or reveal to my son Chidiebere that he was ineligible for full coverage auto insurance or that he would be subject to an Additional Premium Policy Violation at the time of the initial application up until now. I would greatly appreciate it if you would provide the documentation that you said my son, Chidiebere, signed to support your claim of this astronomical Additional Premium Deduction of $3957.00 regarding this claim as I would like to review it. I am also requesting a copy of the appraisal of the vehicle that was performed by your company. That document was not in any of the attachments you emailed to my son regarding how the appraiser/adjuster arrived at the value and cash payout for the vehicle. It appears that your insurance company does not want to pay the value of the vehicle. Therefore, until I receive the supporting documents from your company I do not agree or accept the Cash Out Settlement of $13024.00.

    • Initial Complaint

      Date:01/02/2025

      Type:Delivery Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom It May Concern,I am writing to formally lodge a complaint against American Heartland Insurance for what I believe to be unethical and potentially fraudulent business practices. My experience with this company has been deeply concerning, and I am seeking immediate resolution and action.1.Unresponsiveness: The company consistently fails to answer phone calls or provide assistance. Despite numerous attempts to contact them regarding filing a claim, my inquiries remain unanswered.2.Predatory Practices: The company appears to deliberately avoid fulfilling its obligations. They have blocked my phone number after repeated calls and placed me on prolonged holds for hours, seemingly to discourage follow-ups.3.Failure to ***************** [Describe the specific service or product promised that was not delivered. Example: Despite paying for insurance, I have not been able to speak with someone or receive a call back. My attempts to resolve this have been ignored.Given the circumstances, I urge you to investigate the practices of this company and take appropriate action to hold them accountable. Specifically, I request:An immediate response and resolution to my concerns.Reimbursement of any funds paid for services/products not rendered.Assurance that the company will address its predatory and unethical behavior.

    • Initial Complaint

      Date:11/22/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      America Heartland Insurance Company refuse to move forward with my claim because of lack their insured responding to an at fault accident that occurred on July 14, 2024 in witness of Illinois State Police that was already on the seen when the accident occurred. American Heartland refused all evidence and statements. Their mailing address is ******************************.

    • Initial Complaint

      Date:09/26/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to express my concerns regarding my recent car accident on September 11, ******* car was involved an accident with a person who had this insurance. I have been diligently completing the claim documents, but I was informed today that the insurance company is still waiting for the other drivers statement. They mentioned this process could take up to 90 days.Additionally, I spoke with the other driver today, and they have not yet been contacted for their statement. As a result, I am currently unable to drive my car, which is in storage due to an issue with the trunk door. Furthermore, I was informed that they do not provide rental cars during this period.

    • Initial Complaint

      Date:09/22/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 2/16/24 my son was stuck by a vehicle covered by American Heartland I insurance Company. He was issued a claim number, while at the scene **********. I was told I had to wait 90 days because the insured driver was no responding about this accident. I waited and did get a response from **** saying They are responding to my email They sent a non-cooperation denial due to no cooperation from their insured. So they this still hasnt got my car fixed. How is it my issue spending time and work hours to get this resolved. I just want my car fixed. And with this going on for so long I feel they should add some kind of damages for my time. I dont know what other option to do. Do I file something with the Illinois commerce also? Thanks. ***** *****

    • Initial Complaint

      Date:08/07/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I filed a claim with my insurance. My vehicle was stolen and involved in a hit and run. The vehicle was deemed a total loss. My claim got denied and they have procession of my vehicle and it is my responsibility to remove the vehicle from the salvage yard and if I dont do so I am responsible for the fees. Im stuck paying a car note every month for a car that is not drive able. The employees are very rude.

    • Initial Complaint

      Date:08/05/2024

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ******** Good afternoon, I was struck last night by a motorist insured with American Heartland Insurance Company. I made over eight attempts to contact a Representative and or an Agent to initiate a claim and received nothing in return. My calls end up disconnecting after being transferred as if, no one is to exists. Please look into this business urgently. I cannot get through to the insurance! Feel free to contact me at any time. Thank you, ***************************

    • Initial Complaint

      Date:08/05/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On Friday August 2, 2024 I was involved in an accident. After the accident the first step after calling the Police was to call my insurance American Heartland. I gave a call to the number on my insurance card more than 6 times before someone finally answered. Everytime I called it would ring 4-5 times and just hang up. So when I finally got an agent on the line I explained what happened and because of the damage to my car it needed to be towed. She told me they didnt have the man power at the moment so they couldnt come tow my car for ************************************************* my time of having vehicles Ive had an accident before and my insurance always sent a tow truck right away but with this insurance it was different. They didnt explain to me the claim process or anything the lady seemed as if she had an attitude and was giving me a hard time although Im a paying customer. I was so frustrated because now I had to figure out how I was going to get my car towed home because my insurance was not going to do it. The Police officer on the scene was so nice and stayed with me for over 2 hours waiting until my family showed up but he had to leave to go to another call. My family had to end up getting my car towed to another location where my car would be safe. Here it is Monday August 5, 2024 and I still havent heard anything from my insurance at all. This is so unacceptable and I wish I did research before getting this insurance and now I understand why they have F rating on BBB this place needs to be out of business because theyre first priority is not their customers at all. Anytime you call the claims number nobody answers the phone and there is no voicemail to leave a message. I havent received any info at all regarding my claim not even a email.

    • Initial Complaint

      Date:07/15/2024

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Im submitting a complaint against American Heartland insurance. I had a car accident on June 23rd, 2024 and made a claim with them on June 24th,2024. Its been 3 weeks since my accident and I still dont have any updates from my insurance. I am told by the insurance to call every other day for an update and I still dont get any answers on what is going on with my car. This is very frustrating because I need to figure out my car situation. I am paying out of pocket for rental cars and I cannot afford that. This insurance is horrible and I will not be using them in the future.

    American Heartland Insurance Company is NOT a BBB Accredited Business.

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