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How the Worst Auto Insurance Companies List was Created

Is the list of worst auto insurance companies in Michigan just our own opinion? Of course not. There is a ton of public data that we referenced in making this comprehensive list. But, we also value and welcome your own opinion. If you would like to share a personal story or experience you have had with an insurance company that you consider great (or terrible), you can tell us what you think at our Michigan Auto Law Forums, http://answers.michiganautolaw.com/.

But with 17 auto insurance attorneys and 30 professional staff that deal every day with insurance company claims adjusters and defense attorneys from every auto insurance company that writes auto policies in Michigan, our list is also based upon years of first-hand experience of what we see and how our clients are treated. Sometimes how people are treated in real life is very different from how they are treated in commercials.

Our insurance attorneys see something most people hopefully never will: how the auto insurance company you pay premiums to every year will actually honor its contractual promises when you need them after a serious car accident has occurred. And as the largest law firm in Michigan exclusively helping auto accident victims, it’s probably fair to say that we see more than anyone else how insurance companies actually treat their own customers in times of need.

The following factors were used to create the our list of the Worst Insurance Companies:

Quantitative Sources (include):

  1. Insurance Institute of Michigan, 2010 and 2012 IIM Fact Book, “Top Writers of Auto Insurance in Michigan.” (Page 27)
  2. “2008 Buyers’ Guide to Auto Insurance,” Michigan Office of Financial and Insurance Regulation (OFIR)(Example 3: Pages 16-17).
  3. “The Competitiveness and Premium Excessiveness of the … Auto Insurance Industr[y] in the State of Michigan,” Michigan Office of Financial and Insurance Services (OFIS)[Now known as the Michigan Office of Financial and Insurance Regulation (OFIR)](“Appendix L: Auto Insurance Companies’ Combined Loss Ratios …”)
  4. “Insurance Company Complaint Ratios” (“Coverage Type: Automobile”) for 2007 through 2011, Michigan Office of Financial and Insurance Regulation (OFIR).
  5. J.D. Power & Associates 2012 U.S. Auto Claims Satisfaction Study; J.D. Power & Associates 2011 U.S. Auto Claims Satisfaction Study; J.D. Power & Associates 2010 U.S. Auto Claims Satisfaction Study; and J.D. Power & Associates 2009 U.S. Auto Claims Satisfaction Study.
  6. J.D. Power & Associates 2011 U.S. National Auto Insurance Study; J.D. Power & Associates 2010 U.S. National Auto Insurance Study; J.D. Power & Associates 2009 U.S. National Auto Insurance Study.
  7. Cameron v. Auto Club Insurance Association (Michigan Supreme Court, July 28, 2006, dissenting opinion by Justice Michael F. Cavanagh) http://publicdocs.courts.mi.gov:81/OPINIONS/FINAL/SCT/20060728_S127018_100_cameron3oct05-op.pdf
  8. Consumer Reports Magazine, 2010 October, Car Insurance Ratings survey.

Qualitative Sources:

  1. Our own insurance attorneys’ and client-communicated experiences with insurance claims adjusters in Michigan after car accidents and truck accidents
  2. Responsiveness to our attorneys through documentation and the handling of auto accident claims
  3. Insurance company and insurance defense attorney tactics before and during trials, including video surveillance and how responsibly they handle customer claims
  4. Insurance company responsiveness to legislative activities that directly affect No-Fault insurance costs in this state
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