| ACCC Insurance Company Item | Current Status |
|---|---|
| New auto insurance policies | Not available. ACCC stopped issuing new policies in 2020. |
| Liquidation status | ACCC was placed into liquidation effective December 30, 2020. |
| Policy status | Policies were canceled or assumed as of or before January 29, 2021. |
| Best use of this page | Historical policy research, old claim questions, receivership information, and current insurance alternatives. |
| Current shopper action | Compare active insurers licensed in your state before buying coverage. |
Editorial Transparency and Scope
Young Americans Insurance is not ACCC Insurance Company, an insurance carrier, a claims administrator, or a licensed insurance agency unless a specific page clearly states otherwise. This page is an informational review and status update for drivers who are researching ACCC Insurance Company, its liquidation, older policies, old claims, and current auto insurance alternatives.
Insurance decisions can affect your budget, legal compliance, and financial protection. For claim-specific questions, coverage disputes, receivership deadlines, or policy documents, use official receiver, guaranty association, state insurance department, or licensed insurance professional guidance.
Not ACCC
We are not affiliated with ACCC Insurance Company and do not administer ACCC claims or policies.
Informational only
This page explains public status information and practical next steps, but it is not legal, financial, or claims advice.
Current coverage focus
Drivers who need insurance now should compare active insurers and verify licensing in their state.
Is ACCC Insurance Company Still Selling Policies?
No. ACCC Insurance Company’s official receivership notice says the company ceased issuing new policies in 2020. The same notice says all ACCC policies were canceled or assumed as of or before January 29, 2021. [1]
This matters because many drivers still search for ACCC Insurance Company reviews, claims phone numbers, policy information, and payment details. Old review pages, outdated agent listings, or inactive quote pages may still appear online, but ACCC should not be treated as a current option for a new auto insurance policy.
If you need coverage today, start with active options such as a car insurance calculator, a general car insurance guide, or a comparison of cheap car insurance with no deposit if upfront cost is your main concern.
What Happened to ACCC Insurance Company?
ACCC Insurance Company was placed into liquidation by a Texas court effective December 30, 2020. The Texas Department of Insurance lists ACCC Insurance Company among receiverships with Prime Tempus, Inc. as Special Deputy Receiver. [2]
The Texas Property and Casualty Insurance Guaranty Association also states that ACCC was declared insolvent and placed into liquidation, with the liquidation effective December 30, 2020. [3]
Receivership or liquidation means a financially distressed insurer is no longer operating normally. A court, regulator, receiver, guaranty association, or assuming company may become involved in handling remaining policies, claim obligations, cancellations, deadlines, and communications.
ACCC Insurance Company Timeline
The timeline below explains the key events drivers should know before relying on old ACCC policy documents, marketing pages, reviews, payment links, or agency listings.
| Date or Period | What Happened | Why It Matters |
|---|---|---|
| Before 2020 | ACCC operated in the non-standard auto insurance market. | It served drivers who often had difficulty qualifying for standard auto insurance. |
| 2020 | ACCC ceased issuing new policies. | Drivers cannot treat ACCC as an active new-policy option. [1] |
| October 2020 | Embark General reported that ACCC had been placed into receivership on October 21, 2020, at the request of the Texas Department of Insurance. | This showed serious financial and regulatory trouble before liquidation. [4] |
| December 2020 | ACCC was placed into liquidation effective December 30, 2020. | Remaining obligations moved into a regulated liquidation process. [3] |
| January 2021 | All ACCC policies were canceled or assumed as of or before January 29, 2021. | Former policyholders needed to confirm who handled their policy or claim. [1] |
| June 2022 | The proof of claim filing deadline was listed as June 30, 2022. | Old claim or creditor issues may be affected by receivership deadlines. [1] |
What Happened to Texas and Alabama ACCC Policies?
According to ACCC’s official notice, Texas policies in force as of December 1, 2020 were assumed by Redpoint County Mutual Insurance Company, and Alabama policies in force as of December 1, 2020 were assumed by Incline Casualty Company. ACCC also says those policies and claims with dates of loss on or after December 1, 2020 would be administered by Embark General. [5]
Embark General also announced that, through its subsidiary Nations General Insurance Agency LLC, it had agreed to assume the Texas and Alabama auto insurance business of Houston-based ACCC Insurance Company, effective December 1, 2020, subject to court approval. [4]
If you had an ACCC policy, check:
- The state where the policy was issued.
- Whether your policy was canceled, expired, or assumed.
- The date of loss if you are researching an old claim.
- Whether the claim belongs with a guaranty association, receiver, or assuming company.
- Any receivership, proof-of-claim, or document deadline that may apply.
- Whether you already replaced the policy with active coverage from another licensed insurer.
The History of ACCC Insurance Company
ACCC Insurance Company was widely associated with non-standard auto insurance. Non-standard insurance is generally designed for drivers who may have trouble qualifying for preferred or standard coverage because of tickets, accidents, lapses, lack of prior insurance, SR-22 needs, limited driving history, or other risk factors.
That market can be useful for drivers who need legal coverage after a difficult period, but it requires careful comparison. Non-standard policies can vary significantly in price, limits, fees, cancellation rules, installment costs, and claims service. A low first payment does not always mean the policy is the best value.
Important review note
Old ACCC reviews may still appear online, but they may not help current shoppers because ACCC no longer writes new policies. Current drivers should compare active insurers and verify licensing before buying coverage.
States Where ACCC Was Reported to Operate
Embark General’s 2020 announcement described ACCC as privately held and stated that it offered insurance products in Alabama, Georgia, Mississippi, New Mexico, and South Carolina. [4] Texas is also central to ACCC’s history because the company was headquartered in Houston and its receivership and liquidation proceedings were handled through Texas.
| State | What Drivers Should Know Now |
|---|---|
| Texas | Texas ACCC policies in force as of December 1, 2020 were assumed by Redpoint County Mutual Insurance Company, according to ACCC’s notice. |
| Alabama | Alabama ACCC policies in force as of December 1, 2020 were assumed by Incline Casualty Company, according to ACCC’s notice. |
| Georgia | Drivers should compare currently licensed Georgia insurers because ACCC is no longer issuing new policies. |
| Mississippi | Old ACCC-related policy or claim questions may require receivership or guaranty association guidance. |
| New Mexico | New shoppers should not rely on outdated ACCC quote pages or inactive agency listings. |
| South Carolina | Embark’s announcement listed South Carolina among states where ACCC offered products before the liquidation process. |
What If You Still Have an Old ACCC Claim?
Old ACCC claims can be complicated because the correct contact may depend on the state, policy status, date of loss, and whether the policy was assumed. ACCC’s official notice says pending claims at the time of receivership were transferred to affected state guaranty associations, while Texas and Alabama policies and claims with dates of loss on or after December 1, 2020 were administered by Embark General. [5]
Information to gather before contacting the receiver, guaranty association, or assuming company
- Policy number and named insured.
- State where the policy was issued.
- Vehicle information and coverage dates.
- Date of loss and claim number, if available.
- Any letters from ACCC, Embark General, a guaranty association, or the receiver.
- Repair estimates, police reports, medical bills, or settlement documents.
- Proof of prior payments, cancellation notices, or assumption notices.
A claim before December 1, 2020 may be treated differently from a Texas or Alabama claim with a date of loss on or after December 1, 2020. Use the official receivership, guaranty association, and state insurance department information before sending documents or relying on old phone numbers.
Should Drivers Look for ACCC Insurance Alternatives?
Yes. If you need a new auto policy, you should compare active insurers instead of trying to buy ACCC coverage. The right alternative depends on your state, driving record, vehicle, budget, prior coverage history, and whether you need standard or non-standard insurance.
Drivers who were originally interested in ACCC because of non-standard coverage can start by reviewing car insurance basics, comparing estimated costs with a car insurance calculator, or learning about affordable young driver car insurance options.
| Driver Situation | What to Compare | Why It Matters |
|---|---|---|
| Prior accident or ticket | Non-standard insurers, defensive driving discounts, higher deductibles, and payment plans. | Some companies price violations very differently. |
| Coverage lapse | Companies that accept drivers with prior lapses and clear reinstatement rules. | Lapses can raise rates and limit eligibility. |
| SR-22 or filing requirement | Insurers that can file required forms in your state. | Not every insurer handles every filing type. |
| Low upfront budget | Down payment, monthly installment fees, late fees, cancellation rules, and total premium. | A low first payment can hide higher total costs. |
| Financed or leased vehicle | Collision, comprehensive, lienholder rules, deductibles, and proof requirements. | Lenders usually require physical damage coverage. |
How to Compare Non-Standard Car Insurance Today
Drivers who need non-standard coverage should compare carefully because pricing and policy rules can vary widely. A policy may look cheap because it has low limits, high fees, limited optional coverage, or strict cancellation rules.
Quote comparison checklist
- Compare the same liability limits across every quote.
- Ask whether collision and comprehensive are included or excluded.
- Review the deductible and make sure you could afford it after a claim.
- Ask about SR-22 or state filing fees if you need a filing.
- Compare monthly installment fees, late fees, reinstatement fees, and cancellation rules.
- Ask how claims are reported and who administers them.
- Verify that the insurer or agency is licensed in your state.
- Compare the full six-month or annual cost, not only the first payment.
What Coverage Should Replace an Old ACCC Policy?
If you previously had ACCC or were considering ACCC-style non-standard coverage, replacement coverage should still meet your state’s minimum requirements and your vehicle’s needs. Minimum liability may keep you legal, but it may not protect your own car or fully protect your finances after a serious crash.
| Coverage Type | What It Generally Does | Why It Matters |
|---|---|---|
| Liability coverage | Helps pay for injuries or property damage you cause to others, up to policy limits. | Usually required by state law, but minimum limits may not be enough. |
| Collision coverage | Helps repair or replace your car after a covered collision, subject to your deductible. | Often required by lenders or leases. |
| Comprehensive coverage | Helps with theft, vandalism, fire, hail, falling objects, and other non-collision losses. | Useful for financed, leased, newer, or higher-value vehicles. |
| Uninsured or underinsured motorist coverage | May help when another driver has no insurance or not enough insurance. | Worth comparing before rejecting because another driver may not have enough coverage. |
| Medical payments or PIP | May help with accident-related medical costs, depending on your state and policy. | Can add support for the driver and passengers, subject to limits. |
| Roadside assistance or rental reimbursement | May help with breakdowns or temporary transportation after covered events. | Useful if you rely heavily on your vehicle for work, school, or family needs. |
How to Verify an Active Insurance Company
Before replacing an old policy or buying new coverage, confirm that the company, agency, or producer is authorized to operate in your state. State insurance departments usually provide license lookup tools, consumer complaint resources, and insurer information.
Before buying, verify:
- The insurer or agency is licensed in your state.
- The quote shows the actual carrier or agency involved.
- The policy limits match what you requested.
- The down payment, monthly payments, fees, and cancellation rules are clear.
- The claims phone number and policy service contact are active.
- The quote is not using an outdated ACCC brand, inactive payment portal, or old agency page.
Final Review: What Drivers Should Remember About ACCC
ACCC Insurance Company is no longer a new-policy option. It ceased issuing new policies in 2020, entered liquidation effective December 30, 2020, and its policies were canceled or assumed before the end of January 2021. Drivers researching ACCC today are usually looking for old claim information, receivership contacts, guaranty association details, or replacement coverage.
If you need insurance now, compare active licensed insurers instead. Focus on coverage limits, deductibles, state requirements, claims support, payment terms, and total cost. Do not rely on outdated ACCC quote pages, old reviews, inactive phone numbers, or agency listings that have not been updated since the liquidation.
Simple rule
Use ACCC information only for historical policy or claim research. For new coverage, compare currently licensed insurers in your state.
Compare Current Auto Insurance Options
If you were searching for ACCC Insurance because you need affordable or non-standard coverage, compare active insurers before choosing a policy. Look at total cost, coverage quality, payment terms, and claims support.
Compare Current Auto Insurance OptionsFrequently Asked Questions
Is ACCC Insurance Company still in business?
ACCC Insurance Company is not issuing new policies. Its official receivership notice states that it ceased issuing new policies in 2020 and that all policies were canceled or assumed as of or before January 29, 2021. [1]
What happened to ACCC Insurance?
ACCC was placed into liquidation effective December 30, 2020. The Texas Department of Insurance lists ACCC Insurance Company under receivership information with Prime Tempus, Inc. as Special Deputy Receiver. [2]
Can I buy a new ACCC policy today?
No. ACCC is not a current new-policy option. Drivers who need coverage now should compare active insurers, agencies, or quote marketplaces licensed or authorized in their state.
Who assumed ACCC policies?
According to ACCC’s official notice, Texas policies in force as of December 1, 2020 were assumed by Redpoint County Mutual Insurance Company, and Alabama policies in force as of December 1, 2020 were assumed by Incline Casualty Company. [5]
What should former ACCC policyholders do?
Former policyholders should gather their policy number, state, date of loss, claim number, and any receivership or assumption notices. Then they should use official receiver, guaranty association, assuming-company, or state insurance department information before sending documents or relying on old contact details.
Is Young Americans Insurance affiliated with ACCC?
No. Young Americans Insurance is not ACCC Insurance Company, a claims administrator, or an insurance carrier. This page is an informational resource for drivers researching ACCC’s status and current auto insurance alternatives.
References
- [1] ACCC Insurance Company, “Receivership/Liquidation.” https://acccinsurance.com/ ↩
- [2] Texas Department of Insurance, “Receiverships in Texas and contact information.” https://www.tdi.texas.gov/receiverships/receiverships-texas.html ↩
- [3] Texas Property and Casualty Insurance Guaranty Association, “ACCC Liquidation.” https://tpciga.org/accc/ ↩
- [4] Embark General, “Embark General takes over policies of defunct ACCC Insurance Company.” https://www.prnewswire.com/news-releases/embark-general-takes-over-policies-of-defunct-accc-insurance-company-301193598.html ↩
- [5] ACCC Insurance Company, “Texas and Alabama Policyholders.” https://acccinsurance.com/ ↩