Lone Star Auto Insurance Review (2024)

Lone Star National Insurance Company is the topic of this auto insurance review. It’s a commercial insurance company that sells commercial auto insurance as well as other insurance products in 43 states.

Lone Star specializes in lumber yard insurance and does not sell any types of auto insurance at this time.

Lone Star is a member of the Indiana Lumbermen’s Mutual Insurance Company. Indiana Lumbermen’s Mutual Insurance Company owns both Lone Star National Insurance Company and the National Building Material Assurance Company.

What You Should Know About Lone Star

Lone Star utilizes both independent agents and agents that are hired directly by the company.

Because it doesn’t have offices in every state where it sells insurance products, you may feel more comfortable using an independent agent. However, if you don’t mind doing your insurance business on the phone or online, then using the company directly is certainly an option for you.

Lone Star Auto Insurance Claims

Lone Star claims that their claims department handles their claims faster than anyone else. When you file a claim, you will be contacted the same day regarding that claim.

You can report a claim by:

• Filing your claim online
• Emailing a claim to a customer service rep
• Faxing your claim to the customer service department
• Calling the customer service department directly

Lone Star doesn’t provide any information regarding the hours worked by their customer service and claims staff.

In addition, the company has separate phone numbers for you to call for different claims. These are categorized as:

• Casualty Losses (Auto, Premises, or Products Liability)
• Property Losses (Fire, Lightning, Wind, or Hail)
• Workers Compensation Injuries

In order to file a claim, you must report the claim within 24 hours of the loss.

The exception here is if you have an emergency situation, such as being in the hospital, which prevents you from filing the claim within that time frame.

Lone Star Auto Insurance Quotes

Because this is a commercial insurance business, you will not be able to get quotes for your services online. If you want a quote, all you need to do is call the customer service department, and they will connect you with an agent who can help you.

Getting a commercial auto insurance quote is far different than getting a personal one. They will do a risk assessment of your business to determine what your car insurance rates will be.

If you are purchasing insurance other than auto insurance, an adjuster may need to come to your place of business to determine the in-house risks that are posed.

Lone Star specializes in lumber yard insurance, which means that the risks are even higher for certain losses due to fire. An inspection of your property will be required if this is the type of business that you run.

While it can take several days to get a quote, your quote will be a binding one. In other words, the company will not be allowed to change the quote for a determined amount of days. Once they put it in writing for you, they have to honor it.

This differs from a quote tool option because when you get a quote via a quote tool, every variable cannot be calculated.

For instance, if you are getting a quote for a vehicle used for your business, a quote tool cannot determine the risk factors for your driver in terms of the goods that they are carrying, how heavy their loads are, and so on.

Lone Star Insurance Coverage Options

Lone Star writes a variety of product types, which include:

• IML Protector
• Commercial Output Policy
• General Liability
• Commercial Auto
• Equipment Breakdown
• Inland Marine
• Business Interruption and Extra Expense
• Commercial Umbrella
• Crime Coverage
• Fiduciary Liability Coverage
• Fidelity, Surety & Contract Bonds

When first in business, Indiana Lumbermen’s wrote policies for both businesses and individuals, however, today the company focuses only on business insurance solutions.

Lone Star Discounts Available

Lone Star may offer various auto insurance discounts to their policyholders. These discounts can vary, but common ones include safe driver discounts, multi-policy discounts (if you have multiple policies with Lone Star), discounts for completing driver’s education courses, and discounts for installing safety devices in your vehicle. It’s best to inquire about available discounts directly with Lone Star.