The ten best auto and home insurance companies

Automobile and home insurance fall within the sector of property and casualty insurance.

Before buying a car or home insurance policy, you should learn more about the different companies that offer these policies. Your goal should be to buy insurance coverage from a company that is financially stable and has a high degree of customer satisfaction with respect to claims and billing issues. There are several independent organizations, whose sole purpose is to evaluate insurance companies on a range of issues ranging from financial capacity, payment of claims, history, customer satisfaction, pricing structure and product offerings. Below are presented, taking into account the information provided by the three largest independent rating organizations, the top ten car and home insurers.

Amica Mutual
Amica Mutual Insurance Company is based in Providence, Rhode Island, and is a member of the Amica Mutual Group. The company has more than US $ 2 billion in assets, a strong long-term vision, and has been rated A ++ (Superior) by A.M. Best in May 2009. According to JD Power & Associates, «Amica Mutual ranks first for the eighth consecutive year among property insurance companies, performing particularly well on the five factors that contribute to total customer satisfaction.»

Auto-Owners
Auto-Owners Insurance Company is based in Lansing, MI, and is a member of the Auto-Owners Insurance Group. The company has more than US $ 2 billion in assets, a strong long-term vision and has been rated A ++ (Superior) by A.M. Best in May 2009. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Erie Insurance
Erie Insurance Company is based in Erie, PA, and is a member of the Erie Insurance Group. The company has more than US $ 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by A.M. Best of June 2009 and AA by Standard & Poors as of December 2007. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

State Farm
State Farm is based in Bloomington, IL. The company has more than US $ 2 billion in assets, a stable long-term outlook, and has been rated A ++ (Superior) by A.M. Best in May 2009 and AA by Standard & Poors as of March 2009. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Cincinnati Insurance
Cincinnati Insurance Company is based in Cincinnati, OH, and is a member of Cincinnati insurance companies. The company has more than US $ 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by A.M. Best in December 2008 and A + by Standard & Poors as of June 2008. This company received a 3 and 4-star blend of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Alpha
Alianza Alfa Insurance Corporation is based in Glen Allen, VA, and is a member of the Alfa Insurance Group. This company has more than US $ 1 billion in assets, a stable long-term outlook and has been rated A + (Superior) by A.M. Best as of March 2009. This company received a mixture of 3 and 4 stars out of 5 by JD Power & Associates in all categories relating to customer satisfaction, product selection and pricing.

The Hartford
Hartford Accident & Indemnity Company is based in Hartford, CT, and is a member of the Hartford Insurance Group. This company has more than US $ 2 billion in assets, a long-term negative outlook, and has been rated A (Excellent) by A.M. Best in February 2009 and A by Standard & Poor as of June 2009. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

American Family
American Family Life Assurance Company of New York is based in Columbus, New York and is a member of the Aflac Incorporated Group. The company has more than US $ 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by A.M. Best as of February 2009 and AA-de Standard & Poor as of April 2009. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Allstate
Allstate Insurance Company is based in Northbrook, IL and is a member of the Allstate Insurance Group. The company has more than US $ 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by A.M. Best as of November 2009 and AA- by Standard & Poors as of January 2009. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and prices.

Liberty Mutual
Liberty Mutual Insurance Company is based in Boston, MA, and is a member of Liberty Mutual Insurance Companies. The company has more than US $ 2 billion in assets, a long-term negative outlook, and has been rated A (Excellent) by A.M. Best as of April 2009 and A- by Standard & Poors as of September 2008. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

How is a claim made to your car insurer?

If unfortunately you are involved in an accident, it will help you to know what to do to fight the nerves and to be able to collect the information for the claim.

In the place of an accident

  1. Stop your car and if there are injured ask for help immediately.
  2. Call the police or the highway patrol. Inform emergency personnel if there are injuries, how many people and the type of injuries. The police will be in charge of notifying the nearest medical unit.
  3. Help the injured but do not move them, as this could aggravate their condition. Many times the only thing you can do for someone hurt is to provide support and companionship, and if it is within your reach, a blanket, blanket or some type of coat to keep you warm.
  4. When the police arrive, provide as much information as you can; and if it is a clash, get a copy of the police report or collision report; If you do not have it, find out where you can get a copy, because you will need it to make the insurance claim.
  5. Find a way to protect your car and your safety at the accident site. You can place signals to divert other drivers, move the vehicle to the shoulder of the road or call a tow truck. If you tow your car, ask the tow truck to take it directly to the workshop that is authorized by your insurance company to make the repairs.
  6. Make sure they do not begin repairs until an expert inspect the damage, so that the insurer can calculate how much they cost and issue repair or compensation orders.
  7. While at the accident site, take notes of what happened, the names and addresses of the people involved, the police officer who took the case, witnesses to the accident, and of course, the person involved in the crash. Write down the description and license plate of the car or cars involved.
  8. In the event that the crash occurs while the other vehicle was parked and without its owner, be sure to leave the contact information for the other driver. In case you have a camera at hand, take pictures of the accident.

And when making the claim to the insurer follow these steps:

  1. Contact your insurer or insurance agent as soon as possible, regardless of who was at fault for the accident. Find out if you are covered for the type of damage you have suffered; Even when they seem small, it is important that you inform your insurer about the incident.
  2. Ask your agent or the company representative how you should proceed and what forms or papers you will need to document the claim. The insurer will ask for proof of the claim and if there is a police report, a copy of it. Nowadays it is increasingly common for insurers to have systems that allow them to monitor the progress of their claim with Internet access.
  3. Provide the company with the documents requested. Fill out the documentation carefully and keep a copy of everything for your files. It is important that you have good documentation of what happens, of all the expenses receipts related to the accident and of the people (names and telephones) involved in it.

Ask the following questions to your insurance agent:

  1. What, if any, is the time limit for you to make a claim to the company and deliver the related invoices?
  2. What is the time limit in which disputes over claims will be resolved?
  3. How long must you wait for the insurer to contact you back?
  4. Do I need to get estimated repairs for the damages suffered?
  5. The coverage of the policy includes or not the payment for a rented car while your car is in repairs; and if positive, how much coverage for rental car is included?

Types of lawyers

Hiring a lawyer specialized in the case that is going to be treated is a very favorable point; The lawyers are specialized in the different specific areas of Law. Today in our legal blog we want you to know which are the most outstanding types of lawyers:

Lawyers specialized in criminal law
Criminal lawyers defend people accused of committing crimes, such as economic crimes, administrative and political crimes, crimes against property, crimes against public health, traffic crimes, crimes against honor, crimes against intellectual property and crimes against freedom. sexual to name a few.

Expert lawyers in procedural law
Lawyers who specialize in procedural law deal with arbitrations, appeals for cassation or amparo, national and international litigation and execution of titles, whether judicial or not.

It offers legal assistance in civil proceedings before Civil Courts and Tribunals, such as inheritance and inheritance, claim of debts, and establishment of companies and related operations.

Expert lawyers in labor law
The labor lawyer deals with dismissals, quantity claims, mobbing, employment regulation files, work accidents, disability or retirement; as well as conciliations and judicial proceedings

Family Law Lawyers
It is responsible for divorces and separations by mutual agreement or marriage annulments, visits regime, custody of minor children, alimony, parental authority, regulatory agreement or compensatory pension among others.

Real estate lawyers
In this case, the lawyer specializing in real estate law offers legal advice, and deals with the legal implications of real estate developments, whether civil, commercial, registration, contentious or administrative.

It deals with the leasing and purchase-sale of real estate, evictions, mortgage law, real estate taxation or termination of contracts among others.