Aflac Auto Insurance Review (2024)

In today’s market, it can be difficult to determine which insurance companies sell what types of auto insurance coverage. Many vehicle owners want to know if the American Family Life Assurance Company, also known as Aflac, provides auto insurance.

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.

Aflac is the largest provider of supplemental insurance in the country. Our Aflac auto insurance review will break down what that means and how it can be beneficial for car insurance policyholders.

Although Aflac does not sell auto insurance, Aflac health insurance sometimes covers medical bills related to automobile accidents in some cases. Aflac accident insurance can also be useful for short- or long-term injuries that are caused by an automobile accident.

What You Should Know About Aflac

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?

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.
• Submit your claim before 3 p.m. ET on a weekday. 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. Aflac’s fax number is 1-877-442-3522, 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.

Aflac Insurance Coverage Options

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.

Here are the four main supplemental policies available through Aflac:

• 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.

More and more Americans are investing in these types of policies, especially policies like Aflac group insurance.

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.

Aflac has insurance agents across the country to help you understand Aflac benefits, fill out Aflac cancellation forms, and update Aflac login information.

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.

Finding Affordable Aflac Insurance Rates

Aflac doesn’t sell car insurance, but you can buy their supplement policies anywhere. Though Aflac is available nationwide, its plans and benefits vary by state. You’ll want to compare insurance quotes from multiple companies to guarantee Aflac is actually the cheapest for you.

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.