American Transit Insurance

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 1 historical complaint about American Transit Insurance, published in 2011. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Check Received for Furniture Sold to CouplePublished Oct 14, 2011 · Historical consumer allegation

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.american-transit.com/
• Report an accident or claim (ext. 5455): (800) 683-2842
• Main office (Bodily Injury ext. 1525; Customer Service and No-Fault ext. 5455): (212) 857-8200
• Customer Service: [email protected]
• First reports of accidents (photos, police reports): [email protected]
• No-Fault department: [email protected]
• Fax (customer service and first reports): (212) 857-8254

Locations

American Transit Insurance: how to report a claim, dispute it or complain (checked October 12, 2026)

American Transit Insurance Company (ATIC) sells commercial auto policies for taxis, car service and other for-hire vehicles in New York through brokers. People searching this page are usually (a) ATIC policyholders or their brokers, (b) injured passengers or other drivers with a claim against an ATIC-insured vehicle, or (c) medical providers and repair shops dealing with no-fault or property damage claims. The routes below come from ATIC's own pages and New York State pages opened on October 12, 2026. Policy terms and New York insurance law govern; the policy documents and letters you received control over any summary here.

Report an accident or claim. ATIC's Claims page says to contact both ATIC and your insurance broker immediately and to call 800-683-ATIC (2842), ext. 5455. Its FAQ asks callers to have the insured's name, the driver, the policy number and the insured vehicle's VIN, year and make ready, and to send accident reports and photographs to [email protected], by fax to 212-857-8254, or by mail to 5 Broadway, Freeport, NY 11520. The FAQ warns that if required information is not provided in a timely manner, further investigation may be necessary and may delay claim processing.

Forms. ATIC's Forms and Documents page lists the NYS No-Fault application (NF-2), the DMV MV-104 accident report, and the "Form Five" packet sent when there is physical damage to a car involved in an accident with an ATIC insured. The Claims page says an MV-104 must be filed with the DMV within 10 days if an accident resulted in a fatality, personal injury or damage greater than $1,000.

Property damage timing and amounts, as ATIC's FAQ states them. After a Form 5 is completed, ATIC schedules an inspection; once Form 5, the estimate, the insured's MV-104 and the police report are received, "a decision will be mailed to you within 10 business days." ATIC says obtaining a rental car is the claimant's responsibility, that it does not accept direct billing, and that it will reimburse $28.00 per day based on the repair time indicated on its estimate. Storage is reimbursed at $15.00 per day, not to exceed 30 days, and payment of storage fees is contingent on the percentage of negligence determined by the adjuster. For third-party property damage, payment is issued within 5 business days of receipt of the signed and notarized release, and the FAQ says claim checks must be transacted within 180 days of issuance.

No-fault (personal injury protection) claims. ATIC's FAQ says no-fault claims must be submitted within 45 days of service and, in its no-fault answers, that requested information must be submitted within 30 days. If a no-fault claim is not answered within 30 days or is denied on form NF-10, the New York DFS says your options are to take the insurer to court, file a written complaint with DFS, or file for no-fault arbitration with the American Arbitration Association (AAA); the DFS page says arbitration requests must be filed with the AAA even if the denial form says otherwise, and gives the AAA customer support number (917) 438-1660. The same DFS page says the arbitration filing "must also include a $40.00 filing fee made payable to the American Arbitration Association," that a provider filing as an assignee "must also submit a completed No-Fault Assignment of Benefits Form" with the injured party's signature, and that if an award has not been paid within 30 days of the date of mailing, DFS suggests following up with the respondent in writing and says it can then be asked for assistance.

Complain to the regulator. DFS accepts complaints about insurance companies through its Consumer Complaint application in the DFS Portal at dfs.ny.gov/complaints. DFS says it may share a copy of your complaint with the company. DFS's no-fault arbitration page adds: "Although the Department will attempt to resolve disputed claims, it cannot order or require an insurer to pay a disputed claim filed as a complaint." Healthcare providers are directed to a separate "Healthcare Provider Complaint" application in the DFS Portal (a Portal account is needed) for complaints about prompt payment, no-fault or workers' compensation claims.

Premium payments. ATIC's FAQ says payments are generally made through the approved broker, that check and ACH debit are acceptable, that cash is never accepted at any ATIC office, and that once a payment is late the process of cancellation for non-payment begins.

About the company's financial condition. A New York DFS examination report published in September 2024 found ATIC insolvent on a statutory basis; see the regulator section below for exactly what the report says and what ATIC says in reply. If you are insured by ATIC and are concerned about coverage, your broker and the policy documents are the starting point, and the DFS complaint route above is available.

New York DFS examination report and regulatory record

The primary document is the New York State Department of Financial Services (DFS) "Report on Examination" of American Transit Insurance Company as of December 31, 2018 and as of December 31, 2019, which DFS published on its website in September 2024 (the file's memorandum is dated January 26, 2024, and DFS says it transmitted the report to ATIC on April 3, 2024). It is a regulator's examination report, not a court judgment.

• Findings. The examination memorandum says: "as of December 31, 2018, the Company was insolvent in the amount of $637,775,436" and "as of December 31, 2019, the Company was insolvent in the amount of $707,370,226." The report concludes that the 2019 capital was impaired in the amount of $708,370,226 and says "The Company is directed to provide a remediation plan within 30 days of receipt of this report on examination that is acceptable to the Superintendent and that will cure the Company's insolvency in a timely manner."
• Other recommendations in the report. The summary of comments and recommendations also includes corporate governance items (a minimum of 13 board members, a conflict of interest policy, fidelity bond coverage), holding-company items (identifying related parties, agreements with affiliates to be put in writing and filed with the Superintendent), and risk-management items.
• Loss reserves. DFS says its examination increased ATIC's loss and loss adjustment expense reserves by $726,800,000 as of December 31, 2018 (examination liability of $871,800,000 against $145,000,000 carried by ATIC) and by $787,800,000 as of December 31, 2019 ($950,800,000 against $163,000,000 carried). Each figure belongs to its own examination date and the two are not added together. Item G of the recommendations says: "It is recommended that the Company immediately address ongoing reserving inadequacies and increase its carried reserves to an appropriate level."
• Affiliate payments and officer bonuses (two DFS addenda dated May 17, 2024). DFS appended a separate addendum to each report after ATIC's Supplemental Submission. The addenda say that on April 29, 2024 the Department advised ATIC that the report was final and not subject to further revision, and that ATIC's Supplemental Submission came after that date. The addendum to the report as of December 31, 2018 says the report "recommended that the Company recover the affiliate payments made by ATIC as well as the bonuses paid to Company officers, totaling $101,217,518," for that report's examination period; the addendum to the report as of December 31, 2019 gives "$22,000,060" for amounts paid in 2019. These two figures come from separate reports and are not added together. Both addenda name ATIC Security Inc. (ASI) and Global Biomechanical Solutions Inc. (GBS) as the affiliates concerned and say: "ASI appears to exist to allow management to remove funds from ATIC that the Company should be using to pay policyholder claims. The Department will continue to investigate these payments." These are DFS's findings and assessments, not a court ruling.
• ATIC's position as recorded in the reports. Both reports record that ATIC "now contends that it received fair value for the amounts paid to affiliated entities and that total annual compensation to Company executives, including bonus amounts, is in-line with market rate compensation"; DFS adds "No documentation was provided to support this contention." The report as of 2018 also records ATIC's contention that it paid GBS $8,357,973 "to cover GBS' operating expenses, including salaries and reimbursements to expert witnesses and biomechanical engineers," again with DFS noting that no documentation was provided; the 2019 report gives a figure of $1,560,504 for GBS in its own period. On the insolvency adjustments, DFS records that ATIC "objects to the magnitude of the examination adjustments referenced in this report" and states that no specific details or documentation were provided to support the objection. In the addenda DFS describes the Supplemental Submission as representing that GBS "has saved ATIC a substantial amount of money" and that no payments were made to two named shareholders out of the money paid to GBS; DFS says the submission was not comprehensive and that supporting documentation for many payments was missing.
• Earlier history, as reported. Insurance Journal (September 6, 2024), reporting DFS statements, says regulators filed petitions to place ATIC into liquidation starting in 1979 (denied by the courts), sought rehabilitation in 1987 (resolved after a $6.6 million infusion from its parent) and again in 1991 (ending in a settlement allowing ATIC to remain in business under enhanced monitoring). That article is a secondary source; the underlying court records were not opened. The same article, a Bloomberg report republished by Insurance Journal, says New York's insurance regulator "ordered American Transit Insurance Co. to immediately find capital and explore a sale"; that is the news outlet's description, and the DFS press release itself was not opened for this page.

ATIC's position. ATIC's "September 2024 Public Announcement" on its website (published September 5, 2024) says the company "has consistently paid all of its financial obligations, including verified claims and expenses, and continues to do so," that ATIC "firmly and unequivocally denies any allegation that we failed in our responsibilities to our insureds," and that it is "working tirelessly to address a longstanding issue of statutory solvency amid rampant insurance fraud and escalating costs." The announcement also says ATIC "provides legal defense and indemnity to the policy limits in all cases which fall within our policy terms" and "is vigorously defending the ongoing Uber lawsuit"; it was published before the March 2026 ruling described under litigation below. The examination reports themselves record ATIC's objections and its fair-value contention, set out side by side with DFS's comments in the bullets above.

Current status. The company's own website (opened October 12, 2026) is live and describes current claims and policy services, and the DFS company directory (opened the same day) lists American Transit Insurance Company as a New York domestic property and casualty insurer licensed 09/14/1972. No order placing ATIC into rehabilitation or liquidation was identified in the DFS Insurance Enforcement Actions page text, the DFS examination-report listing, the New York Liquidation Bureau's Estates page (which lists domestic, ancillary and closed insurance companies in receivership) or the news searches checked on October 12, 2026; this is a scoped statement about those sources on that date, not a statement about every proceeding.

DFS livery market memo. DFS's "New York Livery Market Update" (a file whose address carries the date 12-12-2025) does not name ATIC. It says legislation passed in 2025 "required every livery insurance carrier to recalculate their premium rate needs based on existing claims experience and submit actuarially justified rates to the Department of Financial Services by August 1, 2025"; that "the Department has used its discretion to phase-in rate increases over the next three years"; that the City Council and TLC "reduced required PIP coverage from $200,000 to $100,000"; and that "The Department also continues to carefully supervise the carriers in this market." It describes "The dominant insurer in the market" as insuring "approximately 59% of the total NYC livery market" without naming the company, so this page does not attach that figure to ATIC.

What New York law says about security funds. N.Y. Insurance Law section 7604 says the Public Motor Vehicle Liability Security Fund "shall be used to pay allowed claims of injured parties and policyholders under insurance policies or surety bonds, remaining unpaid, in whole or in part, by reason of the insurer's insolvency or its inability to meet its insurance obligations," provided the insurer has made the required payments to the fund. Whether that fund would apply to any particular claim against ATIC is a legal question this page does not answer. The New York Liquidation Bureau says it administers the Security Funds and acts as the Superintendent's staff in receiverships. Its About Us page says Article 74 of the Insurance Law authorizes the Superintendent to apply to the Supreme Court "to place impaired or insolvent insurance companies into receivership," through "a liquidation order under Insurance Law Section 7405" or "a rehabilitation order under Insurance Law Section 7403." Section 7604(b)(2) says every insurer issuing the covered policies "shall pay into the fund three percent of its net direct written premiums."

Who is American Transit Insurance Company?

Who ATIC is. American Transit Insurance Company is a New York domestic property and casualty insurer. The DFS examination report says it was incorporated in New York on January 19, 1972, became licensed on September 14, 1972 and commenced business on January 1, 1973. The DFS company directory lists its address as 5 Broadway, Freeport, NY 11520, NAIC number 16616, with writing powers for personal injury liability, property damage liability and motor vehicle physical damage.

Products. ATIC's website lists three programs: Taxi (coverage for New York City taxi fleets, owner/drivers and designated drivers), Car Service (non-medallion licensed livery vehicles, including radio-based community cars and green taxis) and CAP Livery (radio-based, non-medallion vehicles). The About page says ATIC "principally writes commercial automobile liability and physical damage insurance" on taxicabs, black cars, company fleets and other commercial livery vehicles, and that it follows a broker-based model; the FAQ says ATIC relies on approved brokers throughout New York State.

Scale, as reported by DFS. The 2019 examination report says ATIC wrote $349,485,212 in direct premiums in 2019, with a business mix of assigned risk (0.2%), yellow taxi (16.4%) and traditional livery and other for-hire vehicles (83.4%), and that "Since 1999, ATIC has been writing insurance without the benefit of any reinsurance." The report says ATIC issues policies to owners of taxis, traditional livery and other for-hire vehicles (for example Uber and Lyft). Bloomberg, as republished by Insurance Journal in 2024, reported a market share of about 60% of the city's taxis and rideshare vehicles; that figure is a news report, not a DFS finding. DFS's December 2025 livery market memo separately describes an unnamed "dominant insurer" with "approximately 59% of the total NYC livery market"; because the memo does not name ATIC, the two figures are not merged here.

Ownership. The DFS report says that as of December 31, 2019 ATIC was 100% owned by American T. Inc., an insurance holding company incorporated in New York. ATIC's About page describes the company as "Family owned and operated" with business operations centered in Freeport, Long Island. The report also describes affiliated companies including ATIC Security Inc. (an affiliate that produces business for ATIC under a commission agreement), Global Biomechanical Solutions Inc. and Transit Maintenance Corporation.

Departments. ATIC's Contact Us page lists separate departments and extensions: Customer Service and No-Fault (ext. 5455), Bodily Injury (ext. 1525, fax (212) 857-8279), Underwriting (ext. 1404) and Property Damage and Physical Damage (ext. 5455). Its Claims page also provides an extension (1768) for reporting suspected insurance fraud, and its "Fraud Awareness" page describes an anti-fraud campaign.

Complaint record: BBB, Trustpilot and this site's archive (as of October 12, 2026)

BBB (as displayed on October 12, 2026). The BBB profile for American Transit Insurance Company, 5 Broadway, Freeport, NY says the business is NOT BBB Accredited and shows a BBB Rating of D-, with the reason for rating "Failure to respond to 10 complaint(s)". The complaints tab shows 38 total complaints in the last 3 years and 9 complaints filed in the last 12 months. The reviews tab shows an average of 7 customer reviews at 1 out of 5. BBB says it may display only a portion of complaints and that reviews do not affect the letter grade. BBB's page data shows a business start of 1972-01-01 and a file opened 1999-08-02. BBB lists a separate Brooklyn address listing under the same file; it was not opened for this page. BBB also lists its own phone number for the business, which differs from the numbers on ATIC's website; ATIC's own pages are used for contact details here.

Trustpilot. A Trustpilot page for the domain american-transit.com was requested on October 12, 2026 and Trustpilot returned its "page you're looking for could not be found" message. No Trustpilot profile was identified in the check made on that date.

This site's own archive. No approved complaint posts on this site were identified as being about American Transit Insurance Company in the search made on October 12, 2026 (a search of titles and the offender field for the company's name and variants). Several unrelated posts name similarly spelled businesses (for example American Care Transit or American Customized Network) and are not linked to this page. The figures above come from different sources and are not combined.

CFPB. The CFPB's consumer complaint database covers financial products; auto insurance is regulated by state insurance departments, so the DFS route above is the relevant regulator complaint channel.

Lawsuits and court decisions

The lawsuits below are described from court records or reports opened on October 12, 2026. Complaints and lawsuits are allegations unless a court states a finding.

Uber Technologies, Inc., et al. v. American Transit Insurance Company (S.D.N.Y. 1:24-cv-01207). The docket shows the action was commenced on February 16, 2024. Uber sued ATIC over ATIC's refusal to defend Uber in personal-injury suits brought over accidents involving ATIC-insured drivers who used the Uber app. On March 3, 2026 (ECF No. 58) the court (Judge Analisa Torres) granted Uber's motion for partial summary judgment and denied ATIC's cross-motion, finding among other things that Uber is an "insured" under the ATIC policies in each underlying lawsuit (twenty-three separate New York state-court personal-injury lawsuits, in the opinion's count), that ATIC owes and breached a duty to defend in each, and that ATIC has a duty to indemnify Uber to the extent Uber is held vicariously liable. The court ordered a status update on outstanding relief by March 24, 2026. This is an order on a duty-to-defend question under the policy language, not a final judgment, and it is not a ruling about ATIC's solvency or about claims by individual policyholders.

ATIC's stated position on the Uber case. ATIC's public announcement of September 5, 2024, which predates the ruling, says ATIC "provides legal defense and indemnity to the policy limits in all cases which fall within our policy terms" and "is vigorously defending the ongoing Uber lawsuit." Insurance Journal's report on the March 2026 order says ATIC "did not immediately respond to a request for comment." No later ATIC statement on the ruling was identified in the sources checked on October 12, 2026. The docket (opened October 12, 2026) lists entries No. 59 to No. 68 (March 20 to September 24, 2026) as letters, memo endorsements, an order on a motion for oral argument, a status report and a notice; their contents were not reviewed, and no judgment or notice-of-appeal entry appears among the entries listed.

Suits ATIC has filed (ATIC as plaintiff). ATIC's December 17, 2024 press release says it filed a federal RICO and common-law case in the Eastern District of New York (American Transit Insurance Company v. All City Family Healthcare Center Inc., et al., No. 24-cv-08606) against more than 180 defendants, seeking more than $150 million in compensatory damages and alleging fraudulent no-fault claims. A second suit, American Transit Insurance Company v. Landow, M.D., et al., No. 1:26-cv-06406 (E.D.N.Y.), was filed on October 5, 2026; the Justia docket (as last retrieved by Justia on that date) lists a complaint and ATIC's corporate disclosure statement, names Jonathan Seth Landow, M.D., Viviane Etienne, M.D., Atlantic Medical & Diagnostic, P.C., John Does 1-4 and ABC Corporations 1-4 as defendants, and gives the cause of action as 18 U.S.C. section 1962 (RICO). Insurance Business reported on October 7, 2026 that the complaint runs 166 pages, alleges racketeering and fraud in no-fault billing and seeks, in its words, "$9.79 million under federal racketeering law"; it also reported that no response had been filed. These are ATIC's allegations, which the defendants may contest; the complaint itself was not read for this page.

No-fault arbitration appeals. In Matter of American Transit Insurance Company v. Sovereign Medical Services, P.C. (App. Div. 2d Dept, No. 2024-03979, decided May 20, 2026), the Appellate Division reversed a Kings County judgment that had vacated a master arbitration award and confirmed the award in favor of the provider (an assignee of a no-fault claim) after ATIC had denied it, remitting the matter for a determination of attorney's fees. The decision turned on the limited scope of court review of arbitration awards. It decides that dispute only.

Is American Transit Insurance Legitimate?

The record opened on October 12, 2026 shows: American Transit Insurance Company is listed in the NY DFS company directory as a New York domestic insurer licensed since 09/14/1972 (NAIC 16616), at 5 Broadway, Freeport, NY; its own website lists claims, contact and broker information. The BBB profile says it is not BBB Accredited and shows a D- rating with 38 complaints in the last 3 years as displayed. DFS's examination report published in 2024 says the company was statutorily insolvent as of December 31, 2019, and a May 2024 DFS addendum recommends recovery of affiliate payments and bonuses; ATIC says it has consistently paid verified claims and denies failing its insureds, and the reports record its contention that it received fair value for the affiliate payments (DFS says no documentation was provided). In March 2026 a federal court granted Uber partial summary judgment, finding that ATIC breached a duty to defend Uber in twenty-three lawsuits; no final judgment appears on the docket as opened on October 12, 2026.

This page gives no rating of its own. Policyholders and claimants should rely on their policy documents, the DFS complaint process and, for no-fault disputes, AAA arbitration. A company being licensed and operating does not by itself answer whether a specific claim will be paid.

Court & Public Records

Company Relationships

• Owned by: American T. Inc.
• Affiliated with: ATIC Security Inc.
• Affiliated with: Global Biomechanical Solutions Inc.

Frequently Asked Questions