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HCC Auto Insurance Review (2024)

HCC auto insurance merged with Tokio Marine and underwrites aviation, casualty and property, health and accident, and surety & credit products.

UPDATED: Feb 7, 2024Fact Checked

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Feature Writer

Daniel Walker

Licensed Auto Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Auto Insurance Agent

UPDATED: Feb 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 7, 2024Fact Checked

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HCC Insurance

Average Monthly Rate For Good Drivers

$142

A.M. Best Rating:

A++

Complaint Level:

Low
[su_box title="Things to Remember..." style="default”]
  • HCC Auto Insurance is a specialty insurance group that provides a variety of insurance products
  • Unfortunately, HCC Insurance Holdings does not offer any type of personal auto insurance
  • HCC Insurance Holdings has been highly rated from a variety of independent rating companies
  • HCC Insurance Holdings has merged with Tokio Marine Holdings, Inc.
[/su_box] This HCC Auto Insurance Review will discuss the company formerly known as HCC Insurance Holdings, Inc., a specialty insurance group that has offices all over the United States as well as in Spain, the United Kingdom, and Ireland.
This company now goes by the name Tokio Marine HCC.
Although HCC offers a wide variety of insurance products, personal auto insurance options are not among them. HCC Insurance has been around since 1974 and its philosophy is to maximize profit and manage risk, with the goal being able to grow book value, preserve shareholder’s equity, and maximize earnings. The success of HCC can be attributed to careful but creative underwriting, targeted acquisitions, and opportunistic expansion of lines of business already in place. If you are looking for auto insurance for your personal use, just enter your ZIP code now to compare auto insurance quotes for a variety of companies in your local area!

This HCC Auto Insurance Review will discuss the company formerly known as HCC Insurance Holdings, Inc., a specialty insurance group that has offices all over the United States as well as in Spain, the United Kingdom, and Ireland.

This company now goes by the name Tokio Marine HCC.

Although HCC offers a wide variety of insurance products, personal auto insurance options are not among them.

HCC Insurance has been around since 1974 and its philosophy is to maximize profit and manage risk, with the goal being able to grow book value, preserve shareholder’s equity, and maximize earnings.

The success of HCC can be attributed to careful but creative underwriting, targeted acquisitions, and opportunistic expansion of lines of business already in place.

If you are looking for auto insurance for your personal use, just enter your ZIP code now to compare auto insurance quotes for a variety of companies in your local area!

What You Should Know About HCC

Financial ratings are based on of the financial stability of a company.

The international and domestic insurance companies of HCC Insurance consistently achieve high ratings from the major insurance rating companies.

  • Standard & Poor’s gives an AA+
  • A.M. Best has given HCC an A++
  • Moody’s grants an Aa3
  • Fitch gives it an A+

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HCC Insurance Coverage Options

HCC is an underwriter for many different types of insurance products, not just auto insurance.

They insure five major segments and cover more than 100 types of specialty insurance including:

  • Aviation – general aviation, airport liability, regional airlines, presidential, military, government, and law enforcement, rotor wing, and special risks
  • Casualty and property – energy, commercial property, criminal justice, engineers, architects, contractors, event cancellation
  • Health & accident – health care risk management, group term life, medical stop-loss, Taft-Hartley, and international and short-term medical
  • Directors & officers – private and public company D&O, transaction risk, and commercial & financial institutions crime
  • U.S. surety & credit – surety and credit insurance for both the United States and Europe, with an emphasis on the United Kingdom

Since HCC is able to individually underwrite every risk, along with their high financial ratings, they are able to offer more than other insurance companies.

Even the most complex risks can be protected and assessed.

When it comes to health and accident insurance, HCC Insurance is committed to the market, which distinguishes them from other companies.

HCC has a long history in the market and has made long-term investments and has more experience than most other insurance companies.

HCC Auto Insurance Careers

Employees of HCC Insurance are the ones who have helped HCC become a global leader as they are experienced, innovative, and dedicated.

HCC Insurance works on providing a challenging and dynamic work environment for their employees to bring out the best in all of the employees as well as encourage them to add their skills and diverse backgrounds to help the company succeed.

For those who are looking to work in this type of environment, and are motivated individuals, HCC has career opportunities.

They provide resources and chances for professional development so that you have all the tools you need for a rewarding career. To see about career opportunities through HCC, email careers@hcc.com.

Although HCC does not sell auto insurance, you can enter your ZIP code right now and you will be able to compare auto insurance quotes for multiple companies today!

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Frequently Asked Questions

What is HCC Auto Insurance?

HCC Auto Insurance is a type of insurance coverage provided by HCC Insurance Holdings, Inc. It offers protection for your vehicle against financial loss in case of accidents, theft, or damage.

What types of auto insurance coverage does HCC offer?

HCC Auto Insurance provides various types of coverage, including liability coverage (bodily injury and property damage), collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.

What is liability coverage?

Liability coverage protects you financially if you are responsible for causing injuries or property damage to others in an auto accident. It typically includes both bodily injury liability (for medical expenses, lost wages, and legal expenses) and property damage liability (for repairing or replacing damaged property).

What does collision coverage cover?

Collision coverage helps pay for the repairs or replacement of your vehicle if it is damaged in a collision with another vehicle or object, regardless of fault. This coverage is generally subject to a deductible.

What does comprehensive coverage include?

Comprehensive coverage provides protection for your vehicle against non-collision events such as theft, vandalism, fire, natural disasters, and falling objects. It can also cover windshield damage and other types of minor damages. Like collision coverage, comprehensive coverage typically has a deductible.

What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage safeguards you if you are involved in an accident with a driver who has little or no insurance. It helps cover your medical expenses, lost wages, and other damages caused by an uninsured or underinsured driver.

What is medical payments coverage?

Medical payments coverage, also known as MedPay, covers the medical expenses for you and your passengers if injured in a car accident, regardless of who is at fault. It can include hospital bills, doctor visits, surgery costs, and other medical-related expenses.

Are there any additional coverage options available with HCC Auto Insurance?

HCC Auto Insurance may offer additional coverage options such as roadside assistance, rental reimbursement coverage, and personal injury protection (PIP) depending on the specific policy and your location.

How do I get a quote for HCC Auto Insurance?

To obtain a quote for HCC Auto Insurance, you can contact a licensed insurance agent or visit the official HCC Insurance Holdings website. Provide the necessary information about yourself, your vehicle, and your coverage needs to receive a personalized quote.

How can I file a claim with HCC Auto Insurance?

In the event of an accident or damage to your vehicle, you can file a claim with HCC Auto Insurance by contacting their claims department directly. They will guide you through the claims process, provide necessary forms, and assist you in submitting the required documentation.

How can I contact HCC Auto Insurance for customer support?

For customer support or any inquiries related to HCC Auto Insurance, you can reach out to their customer service department by phone or email. The contact details are usually provided on their official website or insurance documents.

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Feature Writer

Daniel Walker

Licensed Auto Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Auto Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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