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How my list of the best and worst car insurance companies is made

As an attorney in a 17-lawyer office that only litigates auto accident cases, we have a unique perspective on the insurance companies we write about. After all, we see how they really treat people. Often, that’s a lot different than what the fuzzy commercials on television would have you believe. Our attorneys have cases with nearly every insurance company that writes auto policies in Michigan, and in turn we see something we hope most people never will: How these insurance companies treat people after a serious car accident has occurred.

Do they keep their promises, or just keep your premiums?

Today, I’d like to give our readers a quick rundown of the real-life client experiences, extensive research and analysis that went into our 2015 guide.

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In addition to my own personal experience, and the experiences of my fellow attorneys and colleagues at Michigan Auto Law, the information for this guide came largely from our cases.  These experiences often become blog posts for our Michigan Auto Law blog. I also used the following sources of data and statistics in compiling this 2015 edition of the best and worst auto insurance companies:

  1. Insurance Institute of Michigan, 2014 IIM Fact Book, “Top Writers of Auto Insurance in Michigan.” (Page 27)
  2. “Insurance Company Complaint Ratios” (“Coverage Type: Automobile”) for 2007 through 2013, Michigan Office of Financial and Insurance Regulation (OFIR) and Department of Insurance and Financial Services (DIFS).
  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. “2008 Buyers’ Guide to Auto Insurance,” Michigan Office of Financial and Insurance Regulation (OFIR). (Example 3: Pages 16-17)
  5. J.D. Power U.S. Auto Insurance Study (2009-14).
  6. J.D. Power 2014 U.S. Auto Claims Satisfaction Study (2009-14).
  7. J.D. Power 2014 U.S. Insurance Shopping (Auto Insurance Purchase Experience) Study (2013-14).
  8. “Car insurance ratings, 2014; Auto Insurer Ratings: “Save on auto insurance,” June 2013.

Next week, I’ll continue my series with an important tip for consumers shopping for car insurance – that can save you a lot of money and help you find the most superior insurance coverage to really protect you and your family.

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Blog Author Steven M. Gursten
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