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2008 Personal Auto Insurance Complaint Comparison
Published by the Maine Bureau of Insurance
John Elias Baldacci
Governor
Mila Kofman, Superintendent
Auto Insurance Complaint Comparison
The center pages of this brochure show information about the number
of auto insurance complaints received by the Bureau of Insurance from
consumers in 2008. This information is provided as a tool for
you to use when you compare auto insurance companies.
Other important information to consider when comparing insurance companies
includes: policy prices, what the policies cover, what the policies
don’t cover (policy exclusions), and the financial
strength of the company.
What does the table tell me?
The table shows the following about each insurer:
the amount of direct premium that was written in 2008;
the number of complaints received from consumers against
that insurer during 2008;
and
a complaint index that compares the share of complaints
to the share of premiums written in 2008. We also included the complaint
index for 2007.
Why use a complaint index?
With a complaint index you quickly can see how an auto insurer compares
to the average.
A complaint index of 1 is average.
Less than 1 is better than average.
Greater than 1 is worse than average.
Not all companies who sell auto insurance in Maine are listed in this
brochure. Some companies do not write enough insurance in Maine
to show meaningful information. This brochure considers only companies
that either:
have 5 or more complaints received
or
collected premiums for auto policies sold in Maine that represent at
least 1% of all the 2008 auto insurance premium collected by all insurers
who sell auto policies in Maine.
You can reach the Bureau of Insurance at:
34 State House Station, Augusta, ME 04333
Telephone: (800) 300-5000 (in State)
or (207) 624-8475
Web site: www.maine.gov/insurance
A complaint index of 1 is average, less than 1 is better than
average, greater than 1 is worse than average.
NOTE: Many companies are part of an insurance “group.”
Some of the companies included in these groups are listed in the chart,
however, if you can’t find your company on the chart, look at
the list on the following pages to see if it is part of a group.
PERSONAL AUTO INSURANCE
Group Name |
2008 Complaint Index |
2007 Complaint Index |
2008 Written
Premium in Maine |
Number of Complaints in 2008 |
| ALLSTATE INSURANCE GROUP |
0.8 |
0.7 |
$55,070,008 |
16 |
| AMERICAN
INTERNATIONAL GROUP |
2.2 |
1.2 |
$10,524,903 |
8 |
| AMICA MUTUAL GROUP |
0.0 |
0.8 |
$6,301,235 |
0 |
| AUTO CLUB ENTERPRISES INS GROUP |
2.2 |
0.6 |
$9,017,159 |
7 |
| BERKSHIRE-HATHAWAY GROUP
(GEICO) |
0.9 |
1.1 |
$35,982,013 |
12 |
| CONCORD GROUP |
0.8 |
0.6 |
$38,858,214 |
11 |
FRANKENMUTH GROUP
(Patriot Ins Co) |
0.2 |
0.9 |
$11,720,761 |
1 |
| HANOVER INSURANCE
GROUP |
2.1 |
1.7 |
$19,890,616 |
15 |
| HARTFORD FIRE & CASUALTY GROUP |
1.9 |
1.6 |
$11,743,148 |
8 |
| HORACE MANN GROUP |
1.2 |
0.7 |
$11,804,950 |
5 |
| LIBERTY MUTUAL GROUP |
0.6 |
0.9 |
$54,394,098 |
12 |
| MAIN STREET AMERICA GROUP |
1.8 |
1.6 |
$8,081,352 |
5 |
| METROPOLITAN GROUP |
0.2 |
1.5 |
$16,077,743 |
1 |
| MMG INSURANCE CO |
0.4 |
0.4 |
$20,615,791 |
3 |
| NATIONWIDE CORP GROUP |
1.4 |
2.0 |
$7,872,686 |
4 |
| PROGRESSIVE GROUP |
1.0 |
1.1 |
$70,746,132 |
25 |
| QUINCY MUTUAL GROUP
(Patrons Oxford) |
0.3 |
0.6 |
$17,650,659 |
2 |
SENTRY INSURANCE GROUP
(Includes Dairyland) |
1.1 |
1.6 |
$15,250,426 |
6 |
| STATE FARM GROUP |
0.8 |
0.4 |
$74,407,577 |
20 |
TOWER GROUP
(North East Insurance Co) |
0.9 |
1.6 |
$9,902,342 |
3 |
| TRAVELERS GROUP |
1.1 |
1.2 |
$21,071,171 |
8 |
| UNITED
SERVICES AUTOMOBILE ASSOC GROUP (USAA) |
1.3 |
1.3 |
$21,642,850 |
10 |
| VERMONT MUTUAL GROUP |
1.6 |
0.4 |
$7,279,167 |
4 |
WHITE MOUNTAINS GROUP
(York) |
1.4 |
0.9 |
$24,307,370 |
12 |
| ZURICH INSURANCE GROUP |
3.1 |
3.4 |
$11,005,789 |
12 |
| Total |
|
|
$591,218,160 |
210 |
Group Name with Company Names
ALLSTATE INS GROUP
ALLSTATE FIRE & CASUALTY INSURANCE CO
ALLSTATE INDEMNITY CO
ALLSTATE INSURANCE CO
ALLSTATE PROPERTY & CASUALTY INS CO
ENCOMPASS INSURANCE COMPANY OF AMERICA
AMERICAN
INTERNATIONAL GROUP
AIG CENTENNIAL INSURANCE CO
AIG PREMIER INSURANCE CO
AIU INSURANCE CO
AMERICAN HOME ASSURANCE CO
AMERICAN INTERNATIONAL PACIFIC INS CO
INSURANCE CO OF THE STATE OF PA
NATIONAL UNION FIRE INS CO OF PITTS
NEW HAMPSHIRE INDEMNITY CO INC
AMICA MUTUAL GROUP
AMICA MUTUAL INSURANCE CO
AUTO CLUB ENTERPRISES INSURANCE GROUP
INTERINS EXCHANGE OF THE AUTOMOBILE CLUB
BERKSHIRE-HATHAWAY GROUP
GEICO CASUALTY CO
GEICO GENERAL INSURANCE CO
GEICO INDEMNITY CO
GOVERNMENT EMPLOYEES INSURANCE CO
CONCORD GROUP
CONCORD GENERAL MUTUAL INSURANCE CO
GREEN MOUNTAIN INSURANCE CO INC
VERMONT ACCIDENT INSURANCE CO INC
FRANKENMUTH MUTUAL GROUP
PATRIOT INSURANCE COMPANY
HANOVER INSURANCE GROUP
CITIZENS INSURANCE COMPANY OF AMERICA
HANOVER INSURANCE COMPANY
HARTFORD FIRE & CASUALTY GROUP
HARTFORD ACCIDENT & INDEMNITY CO
HARTFORD FIRE INSURANCE COMPANY
HARTFORD INSURANCE COMPANYOF THE MIDWEST
HARTFORD UNDERWRITERS INSURANCE COMPANY
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD
SENTINEL INSURANCE COMPANY LTD
TWIN CITY FIRE INSURANCE COMPANY
HORACE MANN GROUP
HORACE MANN INSURANCE CO
TEACHERS INSURANCE CO
LIBERTY
MUTUAL GROUP
FIRST LIBERTY INSURANCE CORP
LIBERTY INSURANCE CORP
LIBERTY MUTUAL FIRE INSURANCE CO
NETHERLANDS INSURANCE CO, THE
PEERLESS INSURANCE CO
MAIN STREET AMERICA GROUP
MAIN STREET AMERICA ASSURANCE CO
NGM INSURANCE CO
METROPOLITAN GROUP
METROPOLITAN CASUALTY INSURANCE CO
METROPOLITAN GENERAL INSURANCE CO
METROPOLITAN PROPERTY & CAS INSURANCE CO
MMG INSURANCE CO
MMG INSURANCE CO
NATIONWIDE CORP GROUP
NATIONWIDE AFFINITY COMPANY OF AMERICA
NATIONWIDE ASSURANCE CO
NATIONWIDE GENERAL INSURANCE COMPANY
NATIONWIDE MUTUAL FIRE INSURANCE CO
NATIONWIDE MUTUAL INSURANCE CO
PROGRESSIVE GROUP
PROGRESSIVE CASUALTY INSURANCE CO
PROGRESSIVE DIRECT INSURANCE CO
PROGRESSIVE NORTHERN INSURANCE CO
PROGRESSIVE NORTHWESTERN INSURANCE CO
PROGRESSIVE PREMIER INSURANCE CO OF IL
UNITED FINANCIAL CASUALTY CO
QUINCY MUTUAL GROUP
PATRONS OXFORD INSURANCE CO
SENTRY INSURANCE GROUP
DAIRYLAND INSURANCE CO
SENTRY INSURANCE A MUTUAL CO
STATE FARM GROUP
STATE FARM FIRE AND CASUALTY CO
STATE FARM MUTUAL AUTO INSURANCE CO
TOWER GROUP
NORTH EAST INSURANCE COMPANY
TRAVELERS GROUP
CHARTER OAK FIRE INSURANCE CO
PHOENIX INSURANCE CO
STANDARD FIRE INSURANCE CO
TRAVELERS CASUALTY CO OF CT
TRAVELERS COMMERCIAL INSURANCE CO
TRAVELERS HOME & MARINE INSURANCE CO
TRAVELERS INDEMNITY CO
TRAVELERS INDEMNITY CO OF AMERICA
TRAVELERS INDEMNITY CO OF CT
TRAVELERS PROPERTY CASUALTY INS CO
UNITED
SERVICES AUTOMOBILE ASSOC GROUP
GARRISON PROPERTY & CASUALTY INSURANCE CO
UNITED SERVICES AUTO ASSOC
USAA CASUALTY INSURANCE CO
USAA GENERAL INDEMNITY CO
VERMONT MUTUAL GROUP
VERMONT MUTUAL INSURANCE CO
WHITE MOUNTAINS GROUP
EMPLOYERS FIRE INSURANCE COMPANY
ESSENTIA INSURANCE COMPANY
PENNSYLVANIA GENERAL INSURANCE COMPANY
YORK INSURANCE CO OF MAINE
ZURICH INSURANCE GROUP
BRISTOL WEST INSURANCE COMPANY
FARMERS INSURANCE EXCHANGE
FOREMOST INSURANCE CO
FOREMOST PROPERTY & CASUALTY INSURANCE CO
TRUCK INSURANCE EXCHANGE
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