Aflac Auto Insurance Review (2024)

Many vehicle owners want to know if the American Family Life Assurance Company, also known as Aflac, provides auto insurance.

Aflac is the largest provider of supplemental insurance in the country — does Aflac have auto insurance,too? Unfortunately, Aflac does not sell traditional auto insurance policies. Read our guide to the best auto insurance companies to find an affordable provider near you.

What kind of insurance is Aflac? It doesn’t sell auto insurance, but Aflac health insurance sometimes covers medical bills related to automobile accidents. Aflac accident insurance can also be useful for short- or long-term injuries that are caused by an automobile accident.

Our Aflac auto insurance review will break down Aflac costs, different types of Aflac policies, how they can be beneficial for car insurance policyholders, and where to find Aflac car insurance near you.

What You Should Know About Aflac

Is Aflac car insurance? No, Aflac does not sell traditional auto insurance policies. It mainly provides supplemental health insurance to individuals, families, and businesses.

Supplemental health insurance is coverage you purchase in addition to your primary health insurance policy. Supplemental insurance is a great option if your primary policy does not provide all the coverage you need.

Learn More: Do you need medical payment coverage on auto insurance?

Aflac Auto Insurance Reviews

Does Aflac cover car insurance? No, but it does help pay for medical bills and other associated costs with an auto accident that your car insurance won’t cover.

Auto insurance and Aflac aren’t related policies. The biggest difference between Aflac and traditional car insurance is that your auto policy covers the vehicle while Aflac pays for your injuries and recovery costs. You also get Aflac insurance payouts directly instead of through your auto insurance provider.

Aflac Accident Insurance Reviews

Aflac is known for accident insurance as well as other supplemental policies, so you likely won’t find many Aflac car insurance reviews. Aflac accident insurance covers medical bills, lost wages, and household care while you recover from injuries sustained in an auto accident. 

Aflac reviews and ratings are low when it comes to accident insurance. Many policyholders find that coverage doesn’t apply when they think it does, so read your policy paperwork before buying car insurance or Aflac supplemental insurance.

Aflac Customer Reviews

Is Aflac good insurance? Unfortunately, Aflac insurance reviews do not rate Aflac accident insurance customer service highly. It receives a 1/5 rating on the Better Business Bureau (BBB).

Customers complain about long wait times and Aflac agents losing claim documents and paperwork. Aflac also rejects many policyholders’ claims, which could mean the company isn’t very clear in explaining when coverage applies and how. 

Aflac App Reviews

The MyAflac mobile app helps customers file and track claims and manage their policies. It receives high customer ratings, earning 4.4/5 in the Apple App Store and a 3/5 on Google Play. But you won’t get an Aflac quote on the app — you have to speak to an agent or compare insurance quotes online.

Aflac Insurance Coverage Options

Does Aflac do car insurance? No, Aflac does not sell traditional auto insurance policies. It mainly provides supplemental health insurance to individuals, families, and businesses.

Supplemental health insurance is coverage you purchase in addition to your primary health insurance policy. Supplemental insurance is a great option if your primary policy does not provide all the coverage you need.

What is Aflac insurance good for?  Scroll through the four main supplemental policies available through Aflac to see if it’s something you need:

• Accident insurance: Aflac’s accident insurance helps cover out-of-pocket medical payments your primary insurance does not cover if you’ve had an accident. This means Aflac helps with short-term disability.
• Dental insurance: Though your primary dental insurance policy covers routine visits to the dentist, it may not cover special dental care like orthodontist appointments, wisdom teeth removal, and cosmetic procedures. Aflac’s supplemental dental insurance can help cover these costs.
• Cancer insurance: Medical payments and everyday living expenses can build up if you need long-term medical care. Aflac’s cancer insurance can help cancer patients pay for deductibles, co-payments, and small expenses incurred during cancer treatment.
• Critical illness insurance: Aflac’s critical illness insurance helps cover the cost of serious medical conditions like heart attacks and strokes. This policy can even cover living expenses and non-medical bills incurred while a patient is receiving care.

Is Aflac worth it? More and more Americans are investing in these types of policies, especially Aflac group insurance.

You can read Aflac supplemental insurance reviews to learn more about what the company offers in your state and compare the best Aflac plans near you.

How to File Aflac Insurance Claims

The easiest way to file Aflac insurance claims is through Aflac SmartClaim. SmartClaim is an online application that expedites the claims process on Aflac’s website and mobile app.

To submit a claim through SmartClaim, follow these steps:

• Register or log in to SmartClaim on Aflac’s website or mobile app. Make sure you are enrolled in SmartClaim’s Direct Deposit program.
• Fill out Aflac’s claims forms. Then submit all required documents.
• Call the Aflac customer service number. If you don’t want to file online, you can call the Aflac car insurance phone number at 1-800-992-3522 to file a claim.
• Submit your claim before 3 p.m. ET on a weekday. Submit online or call the Aflac insurance phone number. This will ensure that you receive your compensation as quickly as possible.

If you are unable to use SmartClaim, you can download claims forms through Aflac’s website and file your claim via fax or mail. The Aflac insurance claims phone number is 1-800-992-3522 or send claims to 1932 Wynnton Road, Columbus, GA 31999.

Since the Aflac insurance policies only cover car accidents peripherally, there is no direct Aflac auto insurance phone number for claims. The Aflac claims phone number takes you directly to its customer service department instead.

Aflac Insurance Rates Breakdown

Many people want to know: How much is Aflac insurance a month? What is the average cost of Aflac insurance? That depends on your individual circumstances. The best way to find out is to get an Aflac insurance quote. You can’t get an Aflac car insurance quote, of course, but you can consider policies that will supplement your car insurance.

Unlike many of today’s insurance providers, Aflac fully integrates insurance agents into the policyholder’s experience. For example,  you must speak with an agent to get Aflac insurance quotes. Aflac has insurance agents across the country to help you understand Aflac benefits, fill out Aflac cancellation forms, and update Aflac login information.

Finding Affordable Aflac Auto Insurance

Does Aflac do auto insurance? Aflac doesn’t sell car insurance, so you can’t compare Aflac auto quotes, but you can buy supplement policies anywhere.

Aflac is available nationwide, but its plans and benefits vary by state. Call the Aflac phone number at 1-800-992-3522 to speak to an agent about coverage options in your state.

You can also read Aflac insurance reviews online to find out which types of Aflac insurance are available near you, including critical illness and accident insurance. You’ll want to compare insurance quotes from multiple local companies to guarantee Aflac accident insurance costs are the cheapest near you.

Aflac auto insurance reviews are great resources for rate information and customer complaints. If you need cheap auto insurance, use our free comparison tool below to get free quotes from local companies.

Frequently Asked Questions

#1 – How long does it take Aflac to review a claim?

Aflac’s One Day Pay℠ program processes and approves claims the same day you submit them. This allows you to get paid in one day. If you don’t use One Day Pay℠, it will take Aflac longer to review your claim. For example, this can happen if you file a claim by fax or mail. Learn more about filing an auto insurance claim.

#2 – How does Aflac verify claims?

Aflac requires related documents to verify your claim. These documents can include receipts, bills, and certificates. If you have not provided the correct or required documents, Aflac will deem your claim incomplete. You will be notified within up to 10 days. This will lengthen the claim filing process.

#3 – What is Aflac’s hospital indemnity plan?

Aflac’s hospital indemnity plan is designed to cover the cost of a hospital visit after you hit your primary health insurance coverage limit. This plan can cover expenses like admissions fees and intensive care costs.

#4 – Do I need medical coverage on my auto insurance with Aflac?

No, you do not need medical coverage on your Aflac auto insurance because Aflac auto insurance does not exist. If you have questions about Aflac and car insurance call the phone number at the top of this page.