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                                                          XIV

                         The Best and worst insurance companies
               Worst Insurance Companies
                              To identify the worst insurance companies for consumers, researchers
                       at the American Association for Justice (AAJ) undertook a comprehensive
                       investigation of thousands of court documents, SEC and FBI records, state
                       insurance department investigations and complaints, news accounts from
                       across the country, and the testimony and depositions of former insurance
                       agents and adjusters. This final list includes companies across a range of
                       different insurance fields, including homeowners and auto insurers, health
                       insurers, life insurers, and disability insurers.
                              These are some of the worst insurance companies in the US:
                                         1. Allstate
                                         2. Unum
                                         3. AIG
                                         4. Conseco
                                         5. WellPoint
                                         6. Farmers
                                         7. UnitedHealth
                                         8. Torchmark
                                         9. Liberty Mutual

               Best Insurance Companies
                              An insurance company who rates highly in the area of customer
                       satisfaction is one who makes sure the customer's needs are met. If you have
                       a problem with a claim, billing or with changes to your policy; you need your
                       insurance company to respond promptly whether you are calling a customer
                       service telephone number or asking for assistance through the company's
                       website. The companies listed below all rate highly in customer satisfaction
                       levels. One company that deserves special notice is Amica Mutual. It has the
                       highest customer service rating by J.D. Power & Associates for the past 11
                       years.
                                         1. Amica Mutual
                                         2. USAA
                                         3. Erie Insurance Group
                                         4. Cincinnati Insurance
                                         5. Nationwide
                                         6. Allstate
                                         7. State Farm
                                         8. Chubb
                                         9. The Hanover














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