20 Major Insurers Covered

Insurance Company Claim Guides

Know your insurer's playbook before they use it on you. Each guide covers known adjuster tactics, complaint ratios, negotiation tips, and how to fight back against lowball offers.

Avg

State Farm

A++ (Superior) · 16.84% market share

Lowball initial offers based on internal valuation tools that undervalue vehicles

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High

Progressive

A+ (Superior) · 14.49% market share

Use their own adjusters who may bias repair estimates in their favor

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High

GEICO

A++ (Superior) · 14.07% market share

Rush claimants to settle quickly with fast but low offers

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High

Allstate

A+ (Superior) · 9.28% market share

Implemented the infamous McKinsey consulting strategy to 'deny, delay, defend' claims

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Low

USAA

A++ (Superior) · 5.67% market share

Generally fair but still use algorithmic valuation tools that can undervalue claims

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High

Liberty Mutual

A (Excellent) · 5.12% market share

Delay claim processing with repeated requests for additional documentation

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High

Farmers

A (Excellent) · 3.94% market share

Assign overloaded adjusters who are slow to respond and process claims

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Nationwide

A+ (Superior) · 3.18% market share

Use automated claims systems that can miss unique circumstances of your claim

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Travelers

A++ (Superior) · 2.47% market share

Leverage their strong financial position to outlast claimants in disputes

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American Family

A (Excellent) · 2.31% market share

Use automated photo-based estimates that may miss hidden damage

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Low

Erie Insurance

A+ (Superior) · 1.82% market share

Generally fair claims handling but may still undervalue vehicles using standard tools

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MetLife

A+ (Superior) · 1.82% market share

Large corporate bureaucracy can slow claims processing

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Low

Auto-Owners Insurance

A++ (Superior) · 1.56% market share

Generally fair but may use standard automated tools that undervalue vehicles

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The Hartford

A+ (Superior) · 1.41% market share

Target AARP membership for their auto insurance — may rely on older demographic's lower propensity to dispute

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Safeco

A (Excellent) · 1.03% market share

Operates under Liberty Mutual — may share similar claims reduction strategies

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High

Kemper

A- (Excellent) · 0.97% market share

High complaint index reflects systemic claims handling issues

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High

Mercury Insurance

A (Excellent) · 0.89% market share

High complaint index reflects aggressive claims cost reduction strategies

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High

The General

A (Excellent) · 0.71% market share

Highest complaint index among major insurers — reflects aggressive claims handling

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High

Root Insurance

B++ (Good) · 0.32% market share

App-based claims process can be frustrating and impersonal

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High

Lemonade

NR (Not Rated) · 0.18% market share

AI-first claims process that can deny or underpay claims without human review

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