Here, you will get tips on dealing with Infinity Insurance company for car accident claims. You’ll see real personal injury settlement with Infinity Insurance.
Infinity Insurance says that they provide low-cost car insurance in Florida. They say that they deliver first-class customer service through their agencies, web services and call center.
However, I don’t consider Infinity’s terribly low offers to be “first-class customer service”.
Here, I’ll focus on Infinity Insurance car accident settlements and claims.
Long Hold Times When You Call to Report a Claim
The last two times that I’ve called Infinity Insurance to report an injury claim, I had to wait an average of 50 minutes to speak with a representative. This is in line with my low opinion of Infinity when it comes to handling injury claims.
In 1955, Infinity’s first office opened outside of Florida. They now insure many Florida vehicles.
Infinity Insurance Pays $10K (of $20K Settlement) for Car Accident
Lisa (not real name) was in a car that was T-boned by another car at an intersection in Miami-Dade County, Florida. I claimed that the accident caused or aggravated a herniated disc in her lower back.
She also claimed that the crash caused a small scar on her body. Infinity Indemnity Insurance Company insured the other driver.
Infinity paid the $10,000 bodily injury (“BI”) liability insurance limits. Another insurance company paid its $10,000 BI liability insurance limits.
I represented Lisa.
Infinity Insurance Pays $10K (of $20K Settlement) for Car Accident
Henry (not real name) was in a car that was T-boned by another car at an intersection in Miami-Dade County, Florida. Henry claimed that the accident caused or aggravated a herniated disc in his lower back.
Infinity Indemnity Insurance Company insured the other driver. Infinity Indemnity Insurance Company paid the BI liability insurance $10,000 limits.
Another insurance company paid its $10,000 BI liability insurance limits. I represented Henry.
Driver Hit By Driver Insured With Infinity; Case Settles for $25,000
See a case where a passenger got $25,000 after a car rear ended him in Key Largo, Monroe County, Florida. He claimed that the accident caused or aggravated his herniated disc, shoulder labrum tear, finger and knee injury.
Infinity insured the driver who caused the crash; however, the driver didn’t have BI liability insurance.
USAA paid $25,000 to settle.
Infinity Pays $2,724 in PIP for Knee Injury; Allstate Settles for $10,000
See a case where Infinity Insurance paid $2,724 to a driver’s, Ryan’s (not real name), medical providers after his car accident. Ryan was driving his car in Miami, Beach, Florida.
A car rear ended him. There basically was little to no damage to Ryan’s car.
Allstate paid the driver’s $10,000 BI liability coverage limits to settle Ryan’s personal injury claim. I represented Ryan.
When Will Infinity Deny Insurance Coverage in Car Accidents?
Before Infinity pays you a penny for your car accident, it will complete its coverage investigation. Basically, Infinity will look to see if its insured was honest when it completed the application for Infinity to insure the car. I’m talking about the application before the accident happened.
Infinity will ask the named insured for the names of all people (15 years of age and older) who lived in the household. If Infinity determines that the named insured failed to tell Infinity about all drivers (15 years of age and older), it may deny coverage. Infinity is much more likely to deny coverage in this regard than companies like State Farm, Progressive, Allstate and GEICO.
What if You are Hit by Someone With Infinity Insurance While You are Driving for (or in an) Uber or Lyft)?
The first step is to determine who was at fault. If someone ran a red light (and admitted to it), then evaluating fault is easy. The other driver (who Infinity insures) is at fault. Likewise, if you were rear ended by someone, the other driver is usually at fault.
There is some good news if you are injured and you were en route to pickup a passenger or during trips for Uber or Lyft at the time of the accident. This refreshing news is that you are entitled to uninsured motorist insurance coverage.
If you were driving for Lyft or Uber and had a passenger in a car, you are entitled to up to $250,000 in uninsured motorist (UM) coverage. That is a lot of coverage. To put things into persepctive, most cars in Florida do not have any uninsured motorist coverage.
This $250,000 in UM coverage is per accident (not per person). Similarly, this $250,000 in UM coverage (per accident) is also available for passengers. But remember, this UM coverage only applies if the driver of another vehicle was at fault for causing the accident.
On the other hand, if you were driving for Uber or Lyft, and you were en route to pickup a passenger, you are only entitled to $20,000 in UM coverage. All things equal, your case is more likely to settle faster in this instance if you are badly injured.
Because the insurance limit is lower. It’s much easier to prove that your personal injury case is worth $20,000 than it is to show that it is worth $250,000. All things equal, insurance companies often pay out claims faster if the limits are lower.
In sum, Uber and Lyft drivers have much more available UM coverage if they have a passenger at the time of the crash.
$1.4 Million Awarded Against Infinity’s Insured for Mother’s Death, and Daughter’s Brain Injury
On March 29, 1990, a vehicle driven by Marion Taylor collided with a vehicle owned by Berges but driven by a friend. The collision killed Marion Taylor and seriously injured her minor daughter, who was a passenger in the car.
Berges was covered by an Infinity automobile insurance policy that had bodily injury limits of $10,000 per person and $20,000 per accident.
As a result of these combined verdicts that far exceeded his policy limits, Berges filed a bad faith lawsuit against Infinity.
The jury found that the insurer, Infinity Insurance Company, acted in bad faith toward its insured, Barry Berges. The case is Berges v. Infinity Insurance Co., 896 So. 2d 665 (Fla. 2004).
Thus, the family and minor child were able to collect on the verdict.
How to Make a Claim with Infinity Auto Insurance
If you need to report a claim, you can call 1-800-334-1661. You can also report the claim in writing.
Infinity says that it provides “fast, thorough and friendly claim resolution…”
Infinity gives its insureds an Infinity Claims Card. After Infinity gets the basic accident information, they will assign an adjuster to your case.
Warning: You should NOT give a recorded statement to the adjuster unless you are insured under the auto insurance policy.
The adjuster may need police report (Florida traffic crash report). You may have received a driver exchange of information at the scene.
Many Florida police departments (and the Florida highway patrol) use buycrash.com. You can purchase the report there for a few dollars.
The Infinity adjuster may contact the other parties, do interviews and/or inspect vehicles. They may also try to get other information during this investigation.
The Infinity adjuster may run a claims search on you to see your claims history. They may take a tougher stance against you if you have a significant recent history of making claims.
Will Infinity raise your rates or cancel your coverage if you make a claim?
It depends. In many situations, Infinity cannot legally raise your rates or cancel your coverage for making a claim.
PIP claims with Infinity
An injured victim may make a PIP claim with Infinity. It could be from a minor impact soft tissue injury. Expect Infinity to take the victim’s in person recorded statement.
This takes about 45 minutes. It may be inconvenient to the Infinity insured.
Cases Against Drivers Insured With Infinity
An Infinity insured’s negligence may cause your accident. You may have a minor impact soft tissue claim against a driver or owner of a vehicle insured with Infinity.
I heard from a source that an Infinity employee may go to your doctor’s office. He or she may show the doctor pictures of the minor damage to the vehicles. They do this in an attempt to imply to that the crash did not cause your injury.
They are more likely to show up at a rinky-dink medical clinic than a larger, professional medical clinics or doctor’s office.
If your injury is severe, they are not likely to go to your doctor’s office.
How is Infinity at paying Florida injury claims?
Infinity is below average at paying Florida injury claims. They are likely to offer you less than the fair value of your injury case.
Infinity has a reputation for offering less to settle Florida injury claims than most other Florida auto insurers. Expect them to assign less money to the pain and suffering component of the claim than many other insurers.
This assumes that you are entitled recover money for pain and suffering in a Florida car crash. Many Florida auto insurers that are much better than Infinity at paying Florida injury claims. Some of them are:
- Travelers Home and Marine Insurance Company
- Safeco Insurance Company of Illinois (A Liberty Mutual Company)
- Liberty Mutual
Which Florida auto insurers are worse than Infinity at paying bodily injury claims?
- Imperial Fire & Casualty
- Progressive (slightly worse)
- State Farm (slightly worse)
- Allstate (slightly worse)
- United Auto Insurance Company (UAIC)
- 21st Century Insurance (part of Farmers)
- Philadelphia Insurance Companies
Infinity Auto Insurance Company is #11 for Private Passenger Auto Market Share
The 2015 Florida Report lists Infinity Auto Insurance Company as the 11th largest Florida private passenger auto insurer. Infinity is growing.
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.
Infinity Auto Insurance Company Has Many Consumer Complaints
Infinity had a complaint index of 2.2, which is high. For comparison, State Farm Mutual Auto Insurance Company had a complaint index of .7.
A lower complaint index is a good sign for consumers.
For Florida private passenger auto, Infinity’s written premium was $265,367,757. “Premiums” are money paid to an insurer for an insurance policy.
It had 1.8% market share. “Market Share” is the company’s Florida direct written premium relative to the industry for a Florida private passenger auto coverage.
Private Passenger Auto No-Fault (Personal Injury Protection)
For Florida private passenger auto no-fault, Infinity’s written premium was $96,115,866. It had 2.8% market share.
Private Passenger Auto Physical Damage
For Florida private passenger auto physical damage, Infinity’s written premium was $51,185,699. It had 1.5% market share.
Commercial Auto No-Fault (Personal Injury Protection)
The 2014 Florida Annual Report lists Infinity Auto Insurance Company as the 5th largest Florida Commercial Auto No-Fault insurer. A “commercial motor vehicle” is any motor vehicle which is not a private passenger motor vehicle.
Infinity’s written premium was $2,931,941. It had 3.4% market share for the commercial auto no-fault insurance.
Consumer Complaints Against Infinity
A consumer complaint is any written communication by an insured or named beneficiary expressing dissatisfaction with an insurance entity over which the Florida Office of Insurance Regulation has regulatory authority.
Should You Make a Consumer Complaint Against Infinity?
If you are an insured or named beneficiary, and you are dissatisfied with Infinity, you should first give them a fair amount of time to give you a reasonable written explanation for their actions.
If Infinity’s response is not satisfactory, you can file a consumer complaint.
Do consumer complaints help your Florida injury case against Infinity Auto?
Maybe. A consumer complaint may trigger a review by the claims manager.
In the case of a consumer complaint filed with the DFS Division of Consumer Services indicating that a company may be engaged in a pattern or practice of fraudulent activity, the division may refer the complaint to the Market Investigations unit for review.
The Division has discretion as to whether or not to refer the complaint to the Market Investigations for review. If Market Investigations uncovers potential violations, then the complaint may be referred to the DFS Division of Insurance Fraud.
Market Investigations has discretion as to whether or not to refer the complaint to the DFS Division of Insurance Fraud.
Consumer complaints may keep insurers who are acting fraudulently in check.
Infinity Indemnity Insurance Company
For private passenger auto, Infinity Indemnity Insurance Company’s complaint index is 1.6. “Complaint Index” is a ratio derived by dividing a company’s complaint share by its market share.
A complaint index of more than 1.00 indicates the company’s complaint share is disproportionately higher than its market share for a private passenger auto insurance.
Therefore, Indemnity Insurance Company’s complaint share is disproportionately higher than its market share for a private passenger auto insurance. This is bad for consumers.
Infinity Indemnity Insurance Company’s complaint share was 1.6%. “Complaint Share” is the number of complaints received by the Florida Office of Insurance Regulation relative to the insurance industry expressed as a percentage.
About 16 of every 1,000 consumer complaints were filed against Infinity Indemnity Insurance Company. Infinity Indemnity Insurance Company had 15 consumer complaints.
Infinity Indemnity Insurance Company had 0.9% market share. Premiums were $134,206,010.
Infinity Assurance Insurance Company
This is for the 2014 year: For private passenger auto, Infinity Assurance Insurance Company’s complaint index was 2.03. This indicates that Infinity Assurance’s complaint share is disproportionately higher than its market share for a private passenger auto insurance.
This is bad for consumers. Infinity Assurance Insurance Company’s complaint share was .79%.
Basically, 7.9 of every 1,000 consumer complaints were filed against Infinity Assurance Insurance Company. It had 8 consumer complaints.
Infinity Assurance Insurance Company had 0.39% market share. Premiums were $55,265,180.
Infinity Insurance Company
This is for the 2014 year: For private passenger auto, Infinity Insurance Company’s complaint index was 67.95. This indicates that Infinity Assurance’s complaint share is MUCH disproportionately higher than its market share for a private passenger auto insurance.
This is a bad sign for consumers. Infinity Insurance Company’s complaint share was .0.89%
Basically, 8.9 of every 1,000 consumer complaints were filed against Infinity Insurance Company. It had 9 consumer complaints.
Infinity Insurance Company had 0.01% market share in Florida. Premiums were $$1,962,314.
To put Infinity Insurance Company’s consumer complaint ratios into perspective, let’s take a look at a look at another Florida private passenger auto insurer, USAA General Indemnity Company.
USAA General Indemnity Company had a complaint index of 0.55. They had 5 complaints against them. USAA General had 0.90% market share. Premiums were $127,075,897.
As I mentioned earlier, Infinity Insurance Company’s premiums were $1,962,314. Basically, USAA General Indemnity Company did about 64 times as much business as Infinity Insurance Company.
However, Infinity Insurance Company had 4 more complaints than USAA General Indemnity Company.
How much is Infinity worth?
As of November 26, 2016, Infinity has a market cap of $980.75 Million dollars. So it is worth almost 1 Billion dollars.
What are Infinity’s Financial Strength Ratings?
A.M. Best issues credit ratings. They give Infinity Indemnity an A (excellent) rating for financial strength. Learn about Best’s Financial Strength Rating Guide.
Best is an independent opinion of Infinity’s financial strength and ability to meet its ongoing insurance policy and contract obligations.
In most Florida auto accident cases, Infinity’s financial strength has little to no bearing. If Infinity went bankrupt, the Florida Insurance Guaranty Association (FIGA) cover them up to $300,000 per claim for a Florida auto accident.
Most Florida motor vehicle injury cases are worth way below $300,000. Infinity’s A.M. Best rating has little relationship with Infinity’s fairness when paying Florida injury claims.
As I said earlier, Infinity is a below average insurer for Florida personal injury claims. I am an attorney who is experienced handling car accident claims against Infinity Insurance in Florida.
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