21st Century Insurance is part of Farmers Insurance Group. Farmers Insurance is part of Zurich American Insurance Company.
21st Century sells the following types of insurance products in Florida:
- Auto Insurance
- Homeowners Insurance
- Renters Insurance
- Life Insurance
- Umbrella Insurance
- Manufactured/Mobile Home
- Flood Insurance
- Motorcycle and ATV Insurance
- Boaters Insurance
- Personal Watercraft Insurance (e.g. Wave Runner, etc.) (Products through Foremost Insurance Company Grand Rapids, Mich., Foremost is a 21st Century-affiliated insurer.)
- Specialty Homeowners Insurance (non-standard, vacant, seasonal and landlord and rental).
- Antique Auto Insurance
- Personal Umbrella Insurance
- And much more.
A 21st Century insured’s carelessness may cause your injury. If he or she was using one of the above vehicles, you may be dealing with 21 Century Insurance. The same is true if you were injured in his or her home.
21st Century Insurance Injury Claims in Florida
File a Claim with 21st Century
The 21st Century Insurance website allows you to view your claim. You need and email and a security code to view your claim.
Once you register with the website, you can see the status of your claim file online.
Sending Claim Documents to 21st Century
When you send 21st Century documents, include the complete claim number. The claim number is how 21st Century will identify your claim.
Tip: A claim number alone not does not guarantee that your claim with get paid. There still needs to be coverage.
Include the dashes at the end of the claim number. Failure to include a claim number:
- May cause a delay in your claim.
- May result in your documents not be sent to the correct claim handler.
If you send an email to 21st Century, include the claim number and unit number in the subject line.
Tip: When using your email program (e.g. Outlook, Gmail, Yahoo, etc.), always select the delivery receipt and read receipt option if you send an email to 21st Century. This may later help your case if 21st Century says that they did not receive email.
If you send a fax to 21st Century, be sure to include the claim number and unit number. Place the claim number a good distance below the top of the page. Otherwise, 21st may not be able to see it.
You have several options of sending claims documents to 21st Century Insurance.
1. You can use the Document Upload Feature.
You will need to fill out a form, which includes your claim number, your company name (if applicable) and your email.
You should select a box which sends you a confirmation of the E-mail. You must include your name and the security code.
The size limit on the documents if 15 mb. So it is unlikely that you can send 21st Century a video through the upload.
If your photo file sizes are large, you may be limited in the number of photos that you can send.
You can upload certain types of documents. You can upload five separate files.
Tip: Videos and photos may help a case. If you are making a Florida injury case, and you are attractive and/or in good shape, be sure to include a full body picture. Send this picture as soon as possible.
A good picture may also help you stand out in the claim’s adjuster’s file. You want to be a person to the adjuster, not just a claim number.
Jury instruction 601.2 speaks to the believability of witnesses in Florida civil cases.
It says that jurors can evaluate the believability of any witness and the weight they will give to the witnesses’ testimony.
The injured person is one of the many witnesses in Florida injury case. Jurors may properly consider the:
- Demeanor of the witness
- Frankness or lack of frankness of the witness
- The intelligence of the witness
- Any interest the witness may have in the outcome of the case
- The means and opportunity the witness had to know the facts about which the witness testified
- The ability of the witness to remember the matters about which the witness testified
- And the reasonableness of the testimony of the witness, considered in the light of all the evidence in the case and in the light of his or her own experience and common sense.
Claims adjusters look at these factors in personal injury cases. A claims adjuster is taking notes in every phone call with him or her.
2. You can also email claims documents to 21st century its email address: [email protected].
3. You can fax claims documents to: (877) 217-1389
4. Mailing claims documents
You can mail claims documents to 21st Century. Their addresses are as follows.
- Primary mailing address
21st Century National Document Center
P.O. Box 268994
Oklahoma City, OK 73126-8994
- Overnight shipping address
21st Century National Document Center
7340 W. Memorial Road
Oklahoma City, OK 73142
Tip: There are certain times where you may need to send documents via certified mail to 21st Century. Situations where you should send the document by certified mail are primarily where you are:
- Insured under a 21st Century policy with Medical Payments (“Medpay”) Coverage
- Insured under a 21st Century policy with Florida uninsured motorist (UM) coverage and you have a claim for UM damages.
If you settle a Florida injury case with a 3rd party liability insurer, you want to use Florida law to pay 21st Century as little, if anything, as possible for reimbursement of Medpay benefits.
Sending a Medpay subrogation letter via certified mail may help you achieve this goal. You may be giving up valuable rights (money) if you do not send certain letters to 21st Century via certified mail.
You do not want to blow your uninsured motorist injury benefits.
Is 21st Century a good insurer for paying Florida person injury claims?
21st Century earns a terrible rating for fairly paying Florida injury claims. Whether via email, phone, social media or the web, I speak to Florida accident lawyers every day.
I do not know any lawyers who disagree that 21st Century is terrible at paying Florida injury claims.
This means that most of the time, you should expect 21st Century to offer an amount that is below the fair value of the injury claim. They will most likely offer less than the full value of the pain and suffering component of a case.
This means that you are more likely to need to sue 21st Century’s insured to get the fair value of your injury case. You may be less likely to have to sue them to get fair value if your damages exceed their insured’s policy limits.
This is because they do not want to get sued for bad faith and face excess exposure. 21st Century’s bad reputation is slightly surprising because they are part of Farmers Insurance Group, which is part of Zurich American Insurance Company.
Zurich is above average when it comes to paying Florida personal injury claims. You would think that 21st Century would follow the lead of its “main parent” company, Zurich, and pay claims above average.
Unfortunately, for people who are hurt in accidents involving 21st Century, this is not the case.
Is 21st Century a big insurer for Florida private passenger auto insurance?
Yes. Below is 21st Century Centennial Insurance Company’s ranking for Florida private passenger auto insurance.
Florida Private Passenger Auto Liability Insurance
A “private passenger motor vehicle” is any motor vehicle which is a sedan, station wagon, or jeep-type vehicle and, if not used primarily for occupational, professional, or business purposes, a motor vehicle of the pickup, panel, van, camper, or motor home type.
If a 21st Century insured’s careless caused your injury, his or her auto liability insurance may pay for your damages. Damages include your medical bills, lost wages, pain, suffering, loss of enjoyment of life, mental anguish and more.
21st Century Centennial Insurance Company is the 14th largest Florida private passenger auto liability insurer. Its written premium was $134,583,239.
“Premiums” are money paid to 21st Century for the issuance and delivery of any policy of insurance written directly to the consumer. 21st Century Insurance’s market share was 1.8%.
“Market Share” is 21st Century’s direct written premium relative to all other Florida private passenger auto insurers for a given line of insurance. The report expresses this ratio as a percentage.
Per the Florida Office of Insurance Regulation, Annual Report 2014, the other top 15 Florida private passenger auto liability insurers are:
- State Farm
- United States Automobile Association (USAA)
- Travelers Home and Marine Insurance Company
- Safeco Insurance Company of Illinois (A Liberty Mutual Company)
- Infinity Insurance Company
Florida Consumer Complaints against 21st Century
21st Century operates under a few different names in Florida.
21st Century Centennial Insurance Company
21st Century Centennial Insurance Company is the largest of its companies for Florida private passenger auto.
Surprisingly, they did not have any consumer complaints. This is a good sign. However, I still believe that still have a terrible reputation at paying Florida injury claims.
21st Century Preferred Insurance Company
For Florida private passenger auto, 21st Century Preferred Insurance Company had a complaint index of 2.45.
“Complaint Index” is a ratio derived by dividing a company’s complaint share by its market share. “Complaint Share” is the number of complaints received by the Office relative to the insurance industry expressed as a percentage.
A complaint index of greater than 1.00 indicates the company’s complaint share is disproportionately higher than its market share for a specific line of insurance. This is a bad for 21st Century Preferred Insurance Company.
They had a complaint share of 0.10%. Basically, 21st Century Preferred Insurance Company receives 1 consumer complaint for every 1,000 consumer complaints for private passenger auto.
Its market share was 0.04%. 21st Century Preferred Insurance Company’s premiums were $5,778,451.
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