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My guidelines for my auto insurance customer service & claims review ratings on my site

To be rated better than average for auto insurance, I consider companies consistently scoring higher than the study average, each time it is rated in annual JD Power auto insurance customer satisfaction study, and the annual JD Power auto claims satisfaction study, over the last three years. I prefer to see scores 1% or more above   the study average. This may seem like a low bar to cross, but a routinely high scoring company like Amica, would not meet this standard, if I made a requirement of 2% above average.
     
In addition, to be rated better than average for auto insurance, I consider a company's number of annual auto insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, to be less than 90% of the industry average, for its subsidiaries totalling the majority of its annual written US auto insurance premiums, over the last three years.

To be rated worse than average for auto insurance, I consider companies scoring 2% or more below the average, in any of the regional studies where the company is rated, in the annual JD Power auto insurance customer satisfaction study, and the annual JD Power auto claims satisfaction study, for the most recent year. Also, companies scoring consistently below average over the last three years, may be rated worse than average.   

Regardless of its JD Power scores, companies will usually be considered as worse than average for auto insurance, if a company's number of annual auto insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, is more than 10% above the industry average, for a subsidary, or a combination of subsidiaries, representing a significant amount of the total annual auto insurance written premium for all subsidiaries, in any year, over the last three years. 

Other companies not meeting the above guidelines will usually be rated as average for auto insurance. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company.      

My guidelines for my home insurance customer service & claims review ratings on my site

To be rated better than average for home insurance, I consider companies consistently scoring higher than the study average, each time it is rated in annual JD Power home insurance customer satisfaction study, and the annual JD Power property claims satisfaction study, over the last three years. I prefer to see scores 1% or more above the study average. 
     
In addition, to be rated better than average for home insurance, I consider a company's number of annual home insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, to be less than 90% of the industry average, for its subsidiaries totalling the majority of its annual written US home insurance premiums, over the last three years.

To be rated worse than average for home insurance, I consider companies scoring 2% or more below the average, in the annual JD Power home insurance customer satisfaction study, and the annual JD Power property claims satisfaction study, for the most recent year. Also, companies scoring consistently below average over the last three years, may be rated worse than average.   

Regardless of its JD Power scores, companies will usually be considered as worse than average for home insurance, if a company's number of annual home insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, is more than 10% above the industry average, for a subsidary, or a combination of subsidiaries, representing a significant amount of the total annual home insurance written premium for all subsidiaries, in any year, over the last three years. 

Other companies not meeting the above guidelines will usually be rated as average for home insurance. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company.

I try to make my reviews as accurate, unbiased, and as reliable as possible, but please remember, these reviews are mainly my interpetation of customer surveys & complaint data. Do not rely on any one source of information, including my reviews, as a recommendation to insure or not to insure, with any company.       

Explanation & sources of information I use on my Website & blog                  

 AM Best Financial Strength ratings: AM Best is the most popular rating agency measuring an insurance company's ability to pay claims and stay in business. The rule of thumb is to avoid any insurance company with less than an A- rating.

The complaint ratios listed display the ratio of the company's U.S. Market Share of closed complaints compared to the company's U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than "1" have less complaints than average, and complaint ratios over "1" have more complaints than average. The lower the complaint ratio, the less complaints against the company. The higher the complaint ratio, the more complaints against the company. The complaint ratios were obtained from the NAIC Consumer Information Source. The complaint ratios I show in my blog reviews are for homeowners insurance and personal auto insurance, so if you use your car or truck in your business, and have commercial auto insurance, you can find the appropriate complaint ratio on the NAIC Consumer Information Source web site under "commercial auto."

It takes almost a full year for accurate complaint ratios to be determined from the previous year. Previously, when I checked the 2011 complaint ratios available in March 2012, I noticed the 2010 complaint ratios I added to this site in July 2011 were slightly different, indicating the 2010 complaint information was still being updated after the summer of 2011. Therefore, my reviews will not use 2013 complaint data until after 7/1/2014.

JD Power each year rates home & auto insurance companies for customer satisfaction & claims satisfaction. My Web site uses the results of these JD Power surveys & ratings for each company. You can find out more information by clicking this link to the JD Power auto & home insurance ratings. I think the JD Power power circle ratings can be misleading, so please read my insurance company reviews on my blog to find out the information you need to know about the JD Power ratings and my complaint ratings here.