Aflac Car Insurance Review [2023]

Does Aflac do car insurance coverage? Despite what you may read in other car insurance reviews, Aflac Inc. is not an auto insurance provider. While you cannot buy liability car insurance coverage through this insurer, we can help you find the best car insurance providers, if that’s what you’re looking for.

Aflac Inc. of Columbus, Georgia, was established in 1955 and is known mostly for its supplemental insurance products provided through the nation’s employers, with the exception of its life insurance business.

Even though the insurer doesn’t offer car insurance so there are no car insurance quotes, you can still find a great deal from another provider. We can’t give you Aflac quotes online, but we can give you car insurance quotes.

Because Aflac is very popular internationally, many people request auto insurance, however, this supplemental insurance company does not sell individual auto insurance policies.

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What coverage options are offered?

Does this company have a car insurance option? No, but even though car insurance does not exist with this company, it still has great coverage options. The white duck is the provider’s mascot, a mascot that is arguably becoming synonymous with the idea of supplemental insurance.

While the company doesn’t; offer traditional auto insurance policies, you can buy optional riders that cover the associated costs with an accident such as hospital and intensive care bills, ambulance bills, dental care, long-term care, and rehabilitation, as well as short-term wages if you cannot work because of your injuries.

The company is a leader in insurance and has the ratings to back it up. According to the National Association of Insurance Commissioners, 17.7 percent of America’s gross domestic product goes towards health care expenses. The provider’s insurance products are often offered in employee benefits packages with the premium being paid by the employer or through payroll deduction from the employee’s wages.

Check out how well this company is rated for service and finances.

The company issues and administers its policies by way of 70,000 agents scattered across the United States. Aflac offers many types of coverage that would be in addition to your health or car insurance.

Offerings include accident, dental, disability, life insurance, short-term disability, and other policies. You can get quotes online via the website.

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What is supplemental coverage?

Supplemental insurance is a type of policy that provides cash to make up for the gaps in other types of insurance coverage.

For example, your regular car insurance policy may not cover any lost wages incurred by an automobile accident. This type of insurance policy will.

This coverage is not included with a standard auto insurance policy, health insurance coverage, life insurance, or disability policy.

What is included with a standard auto insurance policy will vary depending on where you live, and what the state legal requirements are.

This type of insurance can be used in conjunction with any car, health, or disability policies. It pays cash directly to the policyholder, leaving him or her the choice of how and where to spend the funds.

Supplemental insurance can protect you from out of pocket expenses if you file a claim with another insurance provider. You can use your supplemental policy to pay medical costs not covered by your health insurance company or file a claim for your deductible amount if you’re involved in an accident.

This type of coverage can prevent you from losing money if you have a catastrophic incident and don’t have sufficient coverage.

According to the United States Census Bureau, 8 percent of Americans did not have any health insurance coverage in 2019. With health insurance costs and litigation continuing to rise in the United States, supplemental insurance policies are becoming popular. Consider adding it to your traditional coverage.

What is Aflac’s availability by state?

This company’s insurance is not available in every state, and the plans and coverages also vary by state.

It’s important to note that some plans are only available through your employer and can’t be purchased directly from Aflac.

How can you cancel your Aflac insurance policy?

Canceling your supplemental policy can be a little tricky. If you want to cancel during the open enrollment, you simply have to submit a written request with your policy number and signature.

This must be done in advance, and your coverage will end the first of the next calendar year.

If you want to cancel outside of open enrollment, your employer must remove your eligibility for coverage. You still must submit a written request to cancel coverage.

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How do I make an Aflac insurance claim?

You can file your claim online through the SmartClaim system. You may also submit your claim by mail or fax.

The claims address is:
PO Box 84075
Columbus, GA 31993

The claims fax number is: 866-849-2970

The insurance provider even includes video tutorials on the website and a live chat feature to help you file your claims properly so there is no delay in receiving your cash benefit.

Aflac is known for promptly paying the full value of customer claims. The provider also has an outstanding reputation for customer service. When you buy a policy, the insurance agent in your area will work directly with you to help you understand your benefits, cost, and coverage.

How are Aflac’s insurance ratings?

The company’s accident insurance reviews and ratings are mixed. Accredited since 1958, It has a Better Business Bureau rating of A+.

However, the customer experience comments on the BBB website are not great. With 114 reviews, the company only gets a one-star rating. This is relatively common for insurance businesses.

Standard & Poor’s lists them with an A financial rating. A.M. Best also provides ratings of companies on their financial stability and gives the provider an A+ rating.

This means that Aflac has a superior ability to meet its financial obligations. However, customer service is only average.

Aflac Auto Insurance Review: What’s the bottom line?

You now know that this company does not offer any auto insurance policies. However, it offers various other types of insurance that many people find to be a worthwhile investment.

It is in good financial standing and seems to be a reliable company. However, customer experience appears to be subpar.

Consumers interested in finding types of auto insurance coverage through this provider will be unsuccessful, but there are plenty of other options. So while there is no car insurance phone number to call, we can still help.

What is the best place to go to find low car insurance prices? A good place to begin is by doing an online search for companies licensed to provide insurance in your state.

Though you can’t buy Aflac insurance for your car, enter your five-digit ZIP code into our FREE online search tool below to start your online search for the best car insurance rates in your area, even if it isn’t with Aflac.