Auto Insurance Recommendations
Insurance Company Advisory
Making Informed Choices
As your trusted partner, we’re dedicated to empowering you with information that helps you make the best insurance choices. Understanding the importance of a fair claims process, we’ve diligently reviewed various insurers to guide you effectively.
Our Findings
Through our extensive experience and customer feedback, we’ve identified certain insurance companies whose practices in handling claims may not align with what we consider fair, especially concerning the appraisal clause. This clause is crucial as it offers an avenue for dispute resolution regarding the value of your claim.
Companies of Concern
- State Farm: Limits the use of the appraisal clause solely to Actual Cash Value claims, excluding diminished value claims and repair estimates. This restriction can significantly impact consumers, especially when dealing with repair-related disputes.
- AAA-Memic and Turo have explicitly excluded diminished value coverage from their insurance policies.
- Auto-Owners Insurance lacks an appraisal clause. As a result, disputes over repair estimates, the actual cash value of a vehicle, or its diminished value are more likely to require legal intervention for resolution. In addition, Your Auto-Owners agent may propose a reduction in premiums in return for a waiver of your rights to claim for diminished value.
- Safeco & ALFA: These companies have omitted the appraisal clause from their policies. Consequently, if their settlement offer does not meet your expectations, your options are constrained to accepting their offer or initiating legal action—a position we find unreasonable for any policyholder.
Our Position
We believe in fairness and transparency. It’s our stance that you should never be in a position where suing your insurance provider is your only recourse to obtaining what you’re rightfully owed. The appraisal clause is a critical component of a fair claims process, allowing for an independent review of your claim’s value.
How We Can Help
Despite these challenges, we’re here to support you. With our expertise and persistence, we’ve successfully navigated the claims process with these insurers on behalf of our clients. If you’re facing difficulties with your claim, let us advocate for you to secure the results you deserve.
Stay Informed
Choosing the right insurance company is more than just comparing premiums. It’s about understanding how claims are handled and ensuring you’re protected when you need it most. Stay informed, ask questions, and let us help you navigate your insurance needs with confidence.
Premier Tier Recommendations
For comprehensive coverage and exceptional claims service, we suggest considering the following companies:
- Cincinnati
- Country Financial
- Amica
- Central Mutual
- Selective Insurance
Second Tier Insurance Recommendations
These companies are recognized for their fairness in claims processing, although slightly behind our top-tier selection:
- USAA (for military member, veterans, and families)
- Hanover
- Georgia Farm Bureau
- Travelers
- Liberty Mutual
- Root Insurance
- Progressive
- Nationwide
- Mercury
- American Family
Exclusive Recommendations for High-Net-Worth Individuals
For those with a net worth exceeding $1 million, these insurers offer tailored services:
- Vault Insurance
- Chubb
- PURE
Best For Commercial Auto Insurance
- Chubb
- Hanover
- Progressive
- Nationwide
- Georgia Farm Bureau
- Travelers
If you must Choose an insurance company not on this list, I recommend you contact us for more details.