Hartford Insurance (thru AARP) is highly rated. Got a quote from them but in the “fine print” it states “In Texas the program is underwritten by Southern County Mutual Insurance Company ……..Hartford Fire Insurance Company & its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company”.
So if their underwriter goes “belly up”, Hartford has no resposibility to the insured?
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Who Is Really My Auto Insurer In Texas?
Posted on January 22, 2012.
Correct.
But as long as Southern County Mutual is an ADMITTED carrier in the state of TX, you’re protected by the state guarantee fund.
As it is, they’re rated A- VIII with AM Best – so they’re not going belly up any time soon.