Consumer Complaints Investigated by the Department of ...

2014

Consumer Complaints Investigated by

the Department of Insurance

By Complaint Ratio

Homeowners by Complaint Ratio

Companies Showing 5 or More Complaints for Homeowners Coverage

American Modern Select Company QBE Insurance Corporation Founders Insurance Company Shelter Mutual Insurance Company MemberSelect Insurance Company Badger Mutual Insurance Company Cambridge Mutual Fire Insurance Company Erie Insurance Exchange American Bankers Insurance Company of FL Auto Owners Insurance Company Madison Mutual Insurance Company Forreston Mutual Insurance Company Travelers Personal Insurance Company Trumbull Insurance Company Homesite Insurance Company of Illinois Allstate Indemnity Company Liberty Mutual Fire Insurance Company Allstate Vehicle and Property Insurance Co Foremost Insurance Company Travelers Home And Marine Ins Co (The) Owners Insurance Company Allstate Property and Casualty Insurance Co State Auto Property and Casualty Ins Co Illinois Farmers Insurance Company Liberty Insurance Corporation Safeco Insurance Company of Illinois State Farm Fire & Casualty Company LM Insurance Corporation American Family Mutual Insurance Company Standard Mutual Insurance Company Allstate Insurance Company Farmers Automobile Insurance Association

Complaints Closed

During 2014

7 8 6 11 49 6 6 27 5 21 8 5 7 8 11 80 17 34 10 28 11 26 5 19 17 24 412 8 56 5 37 13

2014

2013

Complaint Complaint

2014 Illinois Direct

Ratio per $1 Ratio per $1 Million in Million in

Written Premium

Direct

Direct

Written Written

Premium Premium

$3,743,296 1.87

1.78

$4,385,533 1.82

1.52

$4,595,702 1.31

1.93

$8,846,643 1.24

-

$39,741,159 1.23

0.81

$5,025,711 1.19

-

$5,454,013 1.10

-

$29,133,449 0.93

0.48

$5,919,305 0.84

-

$25,750,313 0.82

0.38

$10,801,783 0.74

0.59

$7,549,057 0.66

-

$11,542,638 0.61

0.69

$13,216,658 0.61

-

$18,367,148 0.60

0.45

$162,387,819 0.49

0.11

$34,607,960 0.49

0.37

$71,547,875 0.48

0.05

$21,100,683 0.47

0.25

$59,144,592 0.47

0.74

$24,786,851 0.44

-

$61,238,758 0.42

0.03

$12,582,584 0.40

0.56

$49,143,559 0.39

0.53

$44,580,470 0.38

0.36

$63,899,734 0.38

0.29

$1,110,598,293 0.37

0.30

$21,743,476 0.37

0.51

$152,527,033 0.37

0.59

$13,783,763 0.36

-

$106,296,764 0.35

1.35

$38,776,444 0.34

0.15

Major Reasons Complaints were filed with the Illinois Department of Insurance

Under- Marketing & Claim

writing

Sales

Handling

2

0

4

2

0

7

1

1

4

2

0

8

14

0

34

0

0

6

1

0

5

8

0

17

0

0

5

1

0

19

1

1

6

1

0

4

6

0

1

5

0

2

5

0

6

7

2

68

3

0

12

14

3

15

7

0

3

13

1

13

2

0

9

3

2

21

0

0

5

2

0

16

6

2

7

7

0

15

218

9

177

6

0

2

13

0

43

0

0

5

7

1

28

2

0

11

Policyholder Service

Reason Other

Reason Not Categorized

1

0

0

2

0

0

0

0

0

1

0

0

1

0

0

0

0

0

0

0

0

1

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4

0

0

3

0

0

2

0

0

0

0

0

1

0

0

1

0

0

1

0

0

0

0

0

1

0

0

2

0

0

2

0

0

11

0

0

0

0

0

1

0

0

0

0

0

1

0

0

0

0

0

Companies Showing 5 or More Complaints for Homeowners Coverage

Property & Casualty Insurance Co of Hartford Citizens Insurance Company Of Illinois Cincinnati Insurance Company (The) Country Mutual Insurance Company USAA Casualty Insurance Company Erie Insurance Company Farmers Insurance Exchange Metropolitan Casualty Insurance Company Total Mean (The "average" of complaint ratios.) Median (The "middle" of complaint ratios.)

Complaints Closed

During 2014

5 7 6 54 5 5 18 7 1,094

2014

2013

Complaint Complaint

Ratio per $1 Ratio per $1

2014 Illinois Direct Written Premium

Million in Direct

Million in Direct

Written Written

Premium Premium

$16,637,685 0.30

0.51

$26,714,357 0.26

-

$30,866,817 0.19

-

$283,164,377 0.19

0.22

$31,674,923 0.16

0.16

$32,796,673 0.15

0.21

$118,593,916 0.15

0.13

$54,197,740 0.13

0.19

$2,837,465,554

0.60

0.46

Major Reasons Complaints were filed with the Illinois Department of Insurance

Under- Marketing & Claim

writing

Sales

Handling

0

0

4

2

0

5

1

0

6

10

0

42

0

0

5

3

0

2

2

0

14

1

0

6

Policyholder Service

Reason Other

Reason Not Categorized

1

0

0

0

0

0

0

0

0

2

0

0

0

0

0

1

0

0

2

0

0

0

0

0

Private Passenger Automobile by Complaint Ratio

Companies Showing 5 or More Complaints for Coverage Type Private Passenger Auto

Conifer Insurance Company American Heartland Insurance Co United Equitable Insurance Company Direct Auto Insurance Company American Freedom Insurance Co Delphi Casualty Company Unique Insurance Company American Alliance Casualty Company Apollo Casualty Company Stonegate Insurance Company First Chicago Insurance Company Founders Insurance Company American Access Casualty Company National Heritage Insurance Company Mendakota Insurance Company First Acceptance Insurance Co Inc. Falcon Insurance Company Safe Auto Insurance Company Pekin Insurance Company Safeway Insurance Company Affirmative Insurance Company 21st Century Centennial Insurance Co Lighthouse Casualty Company Bristol West Insurance Company Allstate Indemnity Company Loya Insurance Company MemberSelect Insurance Company Meridian Security Insurance Company Geico Casualty Company Madison Mutual Insurance Company Trumbull Insurance Company Auto Club Insurance Association Standard Fire Insurance Company (The)

Number of Complaints

Closed during 2014

7 85 109 99 99 19 216 51 45 16 22 135 170 5 31 38 12 18 8 18 15 13 11 11 5 5 13 8 81 8 14 14 6

2014

2013

Complaint Complaint

2014 Illinois Direct Written Premium

Ratio per $1 Ratio per $1

Millions in Millions in

Direct

Direct

Written Written

Premiums Premiums

$197,407 35.46

2.35

$10,285,470 8.26

7.84

$14,048,755 7.76

8.78

$20,000,200 4.95

6.81

$20,752,133 4.77

5.99

$4,143,928 4.59

0.73

$51,796,961 4.17

3.78

$14,397,870 3.54

4.49

$12,818,669 3.51

0.22

$4,667,305 3.43

2.18

$7,595,076 2.90

2.22

$48,970,182 2.76

2.54

$95,938,333 1.77

1.43

$2,857,082 1.75

3.52

$17,786,124 1.74

2.12

$22,363,881 1.70

1.73

$8,472,378 1.42

-

$12,819,614 1.40

0.61

$6,189,525 1.29

2.32

$13,992,143 1.29

1.57

$15,655,018 0.96

1.25

$17,767,921 0.73

0.42

$15,226,085 0.72

-

$17,725,977 0.62

-

$10,255,332 0.49

-

$10,413,116 0.48

1.02

$28,873,996 0.45

0.34

$19,096,163 0.42

-

$202,026,451 0.40

0.50

$23,710,918 0.34

0.34

$51,236,271 0.27

0.25

$52,791,565 0.27

2.35

$24,409,567 0.25

-

Major Reasons Complaints were filed with the Illinois Department of Insurance

Under- Marketing & Claims

writing

Sales

Handling

1

0

6

15

0

72

24

0

92

19

0

83

18

0

82

0

0

18

3

0

209

2

0

49

1

0

44

2

0

14

2

0

21

7

1

125

7

0

162

0

0

5

2

0

29

1

1

35

0

0

12

2

0

16

4

1

4

2

0

15

1

0

14

2

0

11

2

0

8

0

0

9

1

0

5

0

0

5

7

0

6

1

0

7

4

0

76

5

0

3

7

1

5

3

0

9

3

1

2

Policyholder Service

Reason Not Reason Other Categorized

0

0

0

0

0

0

0

0

0

0

0

0

2

0

0

1

0

0

5

0

0

0

0

0

1

0

0

0

0

0

0

0

0

2

0

0

2

0

0

0

0

0

0

0

0

1

0

0

0

0

0

0

0

0

2

0

0

1

0

0

0

0

0

1

0

0

1

0

0

2

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1

0

0

0

0

0

1

0

0

2

0

0

0

0

0

Companies Showing 5 or More Complaints for Coverage Type Private Passenger Auto

American Family Mutual Insurance Co Allmerica Financial Alliance Ins Co Esurance Property & Casualty Ins Co USAA Casualty Insurance Company West Bend Mutual Insurance Company Erie Insurance Exchange Illinois Farmers Insurance Company Allstate Fire and Casualty Ins Co Farmers Automobile Ins Assoc. (The) Progressive Universal Insurance Co Progressive Northern Insurance Co LM General Insurance Company Liberty Mutual Fire Insurance Co Allstate Property & Casualty Ins Co Allstate Insurance Company Safeco Insurance Company of Illinois State Farm Mutual Automobile Ins Co United Services Automobile Association Geico Indemnity Company Geico General Insurance Company Travelers Home And Marine Ins Co (The) Owners Insurance Company Country Mutual Insurance Company Country Preferred Insurance Company State Farm Fire & Casualty Company Total Mean (The "average" of complaint ratios.) Median (The "middle" of complaint ratios.)

Number of Complaints

Closed during 2014

56 9 10 9 5 13 45 72 12 19 25 9 6 12 21 13 262 7 5 11 6 5 17 18 8 2,082

2014 Illinois Direct Written Premium

2014

2013

Complaint Complaint

Ratio per $1 Ratio per $1

Millions in Millions in

Direct

Direct

Written Written

Premiums Premiums

$251,241,890 0.22

0.22

$41,775,888 0.22

0.13

$47,614,934 0.21

1.71

$45,467,525 0.20

0.14

$25,371,373 0.20

-

$68,209,514 0.19

0.13

$247,537,627 0.18

0.22

$424,855,802 0.17

0.01

$74,134,289 0.16

-

$117,780,660 0.16

0.22

$157,632,209 0.16

0.11

$57,462,249 0.16

0.20

$39,321,071 0.15

0.29

$78,694,851 0.15

-

$147,423,132 0.14

0.62

$91,677,550 0.14

0.22

$1,870,208,935 0.14

0.15

$52,753,914 0.13

0.13

$41,301,841 0.12

-

$95,697,958 0.11

0.09

$52,906,322 0.11

0.20

$48,282,111 0.10

0.17

$164,254,917 0.10

0.08

$267,034,147 0.07

0.07

$135,506,253 0.06

0.14

$5,523,428,378

1.87

0.37

Major Reasons Complaints were filed with the Illinois Department of Insurance

Under- Marketing & Claims

writing

Sales

Handling

6

2

46

1

0

8

0

0

9

0

0

9

0

0

5

4

0

8

6

1

32

4

1

57

1

0

11

3

0

16

3

0

22

0

0

8

1

0

5

1

0

10

1

1

19

2

0

11

52

5

189

1

0

6

0

0

5

2

0

8

2

0

4

1

0

3

2

0

15

1

0

16

3

0

3

Policyholder Service

Reason Other

Reason Not Categorized

2

0

0

0

0

0

1

0

0

0

0

0

0

0

0

2

0

0

7

0

0

10

0

0

0

0

0

0

0

0

0

0

0

1

0

0

0

0

0

2

0

0

1

0

0

0

0

0

19

0

0

0

0

0

0

0

0

1

0

0

0

0

0

1

0

0

0

0

0

1

0

0

2

0

0

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