"FBIC Ranks Insurers Records To Pay Or Deny Legitimate Claims"

FBIC - Fight Bad-faith Insurance Companies

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FBIC RANKING 100^*
Ranking Of Group Insurers Claims Payment Practices ^*
(from 655 insurer groups comprising 3693 insurer companies)

HALL OF SHAME
CLAIMS DENIED RANKING *             BAD-FAITH PRACTICES *                #1 = THE WORST                HALL OF FAME
CLAIMS PAID RANKING *
GOOD-FAITH PRACTICES *
#1 = THE BEST

Rank
Bad-Faith Insurers *
Rank
Good-Faith Insurers *

1. The Hartford ⁽⁵⁾ [do not buy] 1. Chubb ⁽²⁰⁾ [ok to buy] *

2. State Farm ⁽⁷⁾ [do not buy] 2. Amica ⁽²³⁾ [ok to buy] *

3. Allstate ⁽⁶⁾ [do not buy] 3. Allianz ⁽¹⁹⁾ [ok to buy] *

4. Unum (UnumProvident) ⁽³⁵⁾
4. Wellpoint Health ⁽²⁸⁾

5. AIG ⁽¹²⁾
5. Credit Suisse ⁽²⁷⁾

6. American Family⁽³¹⁾
6. Royal & Sun Alliance ⁽³⁶⁾

7. Farmers ⁽⁹⁾
7. White Mountains ⁽²⁴⁾

8. Travelers ⁽²⁹⁾
8. Swiss Re America ⁽⁴⁷⁾

9. Metlife ⁽³⁰⁾
9. Coventry Health ⁽⁶⁴⁾

10. Assurant Health ⁽⁵⁴⁾
10. Fairfax Financial ⁽³⁹⁾

11. Nationwide ⁽¹¹⁾
11. Electric Mutual ⁽²⁶⁾

12. CIGNA Health ⁽⁵²⁾
12. Humana Health⁽⁴²⁾

13. Progressive ⁽¹⁰⁾
13. Cuna Mutual ⁽⁴¹⁾

14. CNA ⁽³³⁾
14. Quincy Mutual ⁽⁴³⁾

15. Mercury General ⁽³⁴⁾ 15. Mass Mutual ⁽⁶⁶⁾

16. Zurich ^(9a)
16. No. Carolina Farm Bureau ⁴⁴

17. Safeco ⁽¹³⁾
17. New York Life ⁽⁷⁸⁾

18. Auto-Owners ⁽⁴⁸⁾
18. Unitrin ⁽⁴⁶⁾

19. Prudential ⁽³²⁾
19. St. Paul Companies ⁽¹⁵⁾

20. Lumbermens (Kemper) ⁽⁵¹⁾
20. Iowa Farm Bureau ⁽⁴⁹⁾

21. Liberty Mutual ⁽⁸⁾
21. Idaho Farm Bureau ⁽⁵⁰⁾

22. USAA ⁽¹⁸⁾
22. UnitedHealth ⁽⁵⁵⁾

23. GEICO (Berkshire Hathaway)¹⁶
23. Norfolk & Dedham ⁽⁵³⁾

24. Erie ⁽⁴⁵⁾
24. Aetna Health ⁽²¹⁾

25. American Financial ⁽¹⁴⁾
25. United Fire & Casualty ⁽⁵⁶⁾

26. Tennessee Farmers ⁽⁵⁷⁾
26. Federated Mutual ⁽⁵⁸⁾

27. California State Auto ⁽⁵⁹⁾
27. Oregon Mutual ⁽⁶⁰⁾

28. Shelter ⁽⁶¹⁾
28. Selective ⁽⁶²⁾

29. Cincinnati Companies ⁽⁶³⁾
29. Horace Mann ⁽¹⁰³⁾

30. Ohio Casualty ⁽⁶⁵⁾
30. John Hancock ⁽⁴⁰⁾

31. Sentry ⁽⁶⁷⁾
31. Ace USA ⁽⁶⁸⁾

32. Kaiser Permanente ⁽⁶⁹⁾
32. Kentucky Farm Bureau ⁽⁷⁰⁾

33. Grange ⁽⁷¹⁾
33. EMC ⁽⁷²⁾

34. Markel ⁽⁷³⁾
34. Lititz Mutual ⁽⁷⁴⁾

35. Harleysville ⁽⁷⁵⁾
35. Commerce ⁽⁷⁶⁾

36. Southern Farm Bureau ⁽⁷⁷⁾
36. GMAC ⁽³⁷⁾

37. Allmerica Financial ⁽⁷⁹⁾
37. Philadelphia United ⁽⁸⁰⁾

38. Pennsylvania National ⁽⁸¹⁾
38. Mutual Of Enumclaw ⁽⁸²⁾

39. National Grange Mutual ⁽⁸³⁾
39. Greater New York ⁽⁸⁴⁾

40. Balboa ⁽⁸⁵⁾
40. Franklin Mutual ⁽⁸⁶⁾

41. State Auto ⁽²²⁾
41. Interins Exchange Auto ⁽⁸⁷⁾

42. Bristol West ⁽⁸⁸⁾
42. Atlantic ⁽²⁵⁾

43. Mutual Benefit ⁽⁸⁹⁾
43. Country Companies ⁽⁹⁰⁾

44. Guideone ⁽⁹¹⁾
44. Concord ⁽⁹²⁾

45. California Casualty ⁽⁹³⁾
45. Georgia Farm Bureau ⁽⁹⁴⁾

46. Central Companies ⁽⁹⁵⁾
46. Alfa ⁽⁹⁶⁾

47. Penn America ⁽⁹⁷⁾
47. RLI ⁽⁹⁸⁾

48. Penn Miller ⁽⁹⁹⁾
48. Amerisure ⁽¹⁰⁰⁾

49. Farm Bureau (Indiana) ⁽¹⁷⁾
49. United National ⁽¹⁰¹⁾

50. Michigan Farm Bureau ⁽¹⁰²⁾
50. Old Republic ⁽³⁸⁾

* View FBIC's Ranking System Sources And Methodology:

(A) To View FBIC's Ranking System Research Sources, Click here .
(B) To View FBIC's Ranking System Methodology, Click here .

* Referenced Footnotes From The Above List Follow:

* Notes: (a) FBIC requests all Americans to buy insurance from good faith insurers and not to buy from bad faith insurers; (b) There are many 'independent' smaller insurance companies locally in each area of the U.S. that are not owned or part of a larger insurer group that carry reinsurance and have very good records in paying claims in good faith mainly because they are much more reputation sensitive in the community and thus would rather pay a claim rather than spend the money on having a lawyer fight to not pay ... Ask your state Department of Insurance about them; (c) Many Insurance Companies, That Are Members Of A Group Or Owned By A Larger Parent Or Holding Company, May Not Have Names That Are Similar Or Reflective Of The Group Insurer That Owns Them. Accordingly, The Following List Contains Footnotes (Indicated In Parentheses Next To The Insurers' Name) That Reference The Number Footnote At The End Of The List Where The Names Of The Groups' Member Companies Can Be Found; (d) Insurance Companies And Groups Are Regularly Bought, Sold And Transferred With Little Notice To The Public Or Policyholder; (e) The Financial Status And Credit Ratings Of Insurance Companies Are Upgraded And Downgraded Daily Generally With No Advance Notice To The Public Or Policyholders; (f) The Operating Status Of Insurance Companies May Suddenly Change From That Of Being Active And In Good Standing To That Of Being Declared Inactive, Discontinued (aka Runoff), Insolvent, Bankrupt, Or Under Conservatorship, Rehabilitation, Receivership Or Liquidation; (g) When Buying Or Renewing Insurance, It Is Of Critical Importance For The Policyholder To Know If The Insurer Company 'Willingly' Pays Claims Properly And Promptly (in Good Faith) Or 'Willingly' Delays, Discounts Or Denies Payment Of Legitimate Claims (in Bad Faith) ... FBIC Is The Sole Source And Only Provider Of Such Good Faith-Bad Faith Insurers Rankings With Much Of The Information Used Being Confidential And Proprietary. It Is Important That You Refer To This Website Frequently Or On A Regular Basis To Keep Current And Get The Most Updated Information; (h) When Renewing/Buying Insurance, Besides Knowing The FBIC Good Faith-Bad Faith Ranking Status, It Is Also Important To Find Out The Financial Strength Rating Of Your Insurer To Help Ensure That They Will Still Be In Business When/If You Should Have A Claim. Although Not Available Through FBIC, This Financial Information Is Provided By Other Companies Such As Standard & Poors, A.M. Best, Weiss, Fitch And Moody's; (i) It Is Recommended To Speak With A Few Local 'Independent Insurance Agents' To Hear Which Companies They Recommend But Be Mindful That Their Recommendations Of An Inferior Or Bad Faith Insurer May Be Influenced By Higher Commissions Paid To The Agent By That Insurer. A Secret: If You Know An 'Independent Public Adjuster' In Your Area, You Can Generally Get A Good Objective View About Specific Insurers Good-Faith And Bad-Faith Claims Practices. (j) FBIC will be increasing this 'group' insurers list by 2-3 times as well as breaking out and providing separate good-faith and bad-faith lists for auto, home and health insurers.

⁽⁵⁾ Hartford: The Hartford Consistently Gets The Hall Of Shame #1, 2 or 3 Worst U.S. Bad Faith Insurer With The Worst Complaint Record By Far!* The #1 Worst Record Of Claim Denials, Bad Faith Insurance Claim Practices And Non-Payment Of Claims. Very High Number Of Consumer Bad Faith Related Complaints And Lawsuits With Horrible Consumer Stories Of Foul Play And Claimants Being Victimized By This Insurer.* Large Insurer Group That Is Approximately One-Half To One-Third The Size Of Allstate and 15%-20% The Size Of State Farm But With A Multiple Many Times More Complaints, Coverage Denials And Non-Payment Of Claims In Comparison. Some Policyholders With The Company For A Number Of Years, That Were Surprised Initially To Hear Of Hartford's Very Bad Record Of Bad Faith And Non-Payment Of Claims Especially Those Never Having Or Making A Claim.* Don't Think Or Be Like So Many We Here From That Indicate To Us "I Didn't Think It Would Happen To Me". If You Insure With Hartford, Know That You Are At Very High And Greatest Risk Of Being Denied Payment Of A Claim.* Don't Wait For It To Happen To You ... If You Are Insured By Hartford, Be Advised That You Should Immediately Cancel Your Insurance And Switch To Another Insurer Before You Find Yourself (Like The Many Others) Being Denied Payment Of A Claim For Which You Paid Premiums Resulting In You Or Your Family Losing Everything. You Absolutely Do Not Want To Be Insured By Hartford ... Join With Others In FBIC America's Consumer "Buy Good Boycott Bad" Faith Insurers Of This Extreme Worst Bad Faith Insurer! (Member Companies Of Hartford Group Include: First State Insurance, Hart Life Insurance, Hartford Accident & Indemnity Insurance, Hartford Casualty Insurance, Hartford Fire Insurance, Hartford Insurance Of Illinois, Hartford Insurance Of The Midwest, Hartford Insurance Of The Southeast, Hartford International Life Reassurance, Hartford Life & Accident Insurance, Hartford Life & Annuity Insurance, Hartford Life Insurance, Hartford Lloyds Insurance, Hartford Underwriters Insurance, New England Insurance, New England Rein Corp, Nutmeg Insurance, Nutmeg Life Insurance, Omni Indemnity, Omni Insurance, Pacific Insurance Ltd., Property & Casualty Insurance Of Hartford, Sentinel Insurance Ltd., Servus Life Insurance, Trumbull Insurance, Twin City Fire Insurance).