National General Insurance Review 2014 (Formerly GMAC): Auto Insurance Customer Complaint Record & AM Best Ratings

This National General Insurance review will evaluate, for the most recent four year period where reliable statistics are available (2010, 2011, 2012 & 2013), the auto insurance complaint ratings for the subsidiary companies of National General Insurance Group, to determine whether each subsidiary, such as Integon General Insurance Company or National General Insurance Company Online, has a better-than-average, average, or worse-than-average customer complaint record. I’ll also compare the auto insurance complaint records for the National General subsidiary companies, with major competitors, like Allstate, Progressive, GEICO, State Farm, & Farmers.

Do positive or negative customer reviews help you choose a better auto or home insurance company? Can customer reviews at least help you avoid insurance companies with poor customer service? You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are better or worse than others, but you never really know how good your insurance company will be, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.

The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this National General Insurance Group review are the number of upheld complaints filed against the National General companies with a state’s insurance regulatory authority, adjusted for each subsidiary company’s market share, as determined by the National Association of Insurance Commissioners. This review provides valuable information to help you decide if National General is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.


2014 National General Insurance Review (Formerly GMAC)

GMAC personal lines insurance was re-branded as National General Insurance Group in July 2013. Most of the National General companies focus on selling nonstandard auto insurance in most US states (except Hawaii & Massachusetts), for drivers not qualifying for standard auto insurance rates, due to their driving record or other factors. National General has 10 subsidiary companies selling auto insurance, with some subsidiaries selling direct from the company, through the National General website or company call centers, and some subsidiaries available only from independent insurance agents appointed to represent them.

National General insures autos and other vehicles, but it does not insure homes or personal property, and does not sell its own home, condo or renters insurance. If you buy direct from the company, National General acts as an agent, and partners with other insurance companies, to sell their partner companies’ home, condo, or renters insurance. If you get a home insurance price quote from National General, the company (or companies) they quote you will depend on where you live.

From the National General website: “Insurance Policies purchased through the National General Insurance Homeowners Program are underwritten by select providers of homeowners, renters, condo, and other specialty insurance. Underwriting partners and coverage options vary by state and type of policy.”

This review will analyze the complaint statistics of the National General auto insurance companies. If you purchased (or you are planning to purchase) home insurance from National General, have National General confirm the name of the insurance company insuring your home (its name will appear on your home insurance declarations page, too), and visit my website’s homepage, to check my home insurance complaint ratings for the company.

This National General (formerly GMAC) Insurance Companies review is divided into three sections, consisting of: 1. its AM Best Financial Strength Ratings, 2. its auto insurance customer complaint ratings, and 3. information about competing auto insurance companies, and how their complaint records compare to the National General (formerly GMAC) companies.

1. AM Best Financial Strength Ratings for the National General Insurance Companies.

National General Insurance Group had its A- (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 5/30/2014. A- is the fourth highest rating for AM Best. I become concerned with any car or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.

2. National General (GMAC) Insurance Group Auto Insurance Complaint Statistics & Ratings.

As mentioned earlier in this review, National General has ten subsidiary companies insuring private passenger vehicles in the states where the company sells auto insurance. The use of more than one auto insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or for selling through different sales channels, such as buying direct from the company or buying from an independent insurance agency. Each subsidiary has its own rates, so if you receive auto insurance quotes direct from the company and from an independent insurance agent, the prices are likely to be different.

Here’s how I establish my auto insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

National General Insurance Online, Inc. Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (2.74)

2013 US auto insurance premium = $67,286,843

2012 Auto Insurance Complaint Ratio = W (1.81)

2012 US auto insurance premium = $90,226,737

2011 Auto Insurance Complaint Ratio = W (3.21)

2011 US auto insurance premium = $68,970,985

2010 Auto Insurance Complaint Ratio = W (1.88)

2010 US auto insurance premium = $36,019,709

National General Insurance Online, Inc. is available in the states of Alabama, Arizona, Florida, Illinois, Indiana, Missouri, Oregon, Pennsylvania, South Carolina, Tennessee, & Washington.

The National General Insurance Online, Inc. subsidiary has a worse-than-average auto insurance complaint history over the last four years, with its number of auto insurance complaints in its worst year (2011) during this period at 321% of the industry average. The auto insurance market share for National General Insurance Online, Inc. has decreased quite a bit from 2012 to 2013, which may be an indication National General Insurance Online, Inc. no longer has competitive pricing for its auto insurance.

National General Assurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (2.54)

2013 US auto insurance premium = $136,824,234

2012 Auto Insurance Complaint Ratio = W (1.46)

2012 US auto insurance premium = $148,521,013

2011 Auto Insurance Complaint Ratio = C (1.18)

2011 US auto insurance premium = $136,802,192

2010 Auto Insurance Complaint Ratio = C (1.22)

2010 US auto insurance premium = $131,419,508

National General Assurance Company is available in the states of Alabama, Arizona, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, Montana, North Dakota, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Texas, Tennessee, Utah, Virginia, Washington, West Virginia, & Wyoming.

The National General Assurance Company subsidiary has a higher than average number of auto insurance complaints every year, over the last four years, with its number of auto insurance complaints in its worst year during this period (2013), at 154% more than the industry average. The auto insurance market share for National General Assurance Company has decreased from 2012 to 2013, which may be an indication National General Assurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

National General Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (1.73)

2013 US auto insurance premium = $163,409,298

2012 Auto Insurance Complaint Ratio = W (1.56)

2012 US auto insurance premium = $179,736,108

2011 Auto Insurance Complaint Ratio = C (.81)

2011 US auto insurance premium = $178,899,532

2010 Auto Insurance Complaint Ratio = B (.67)

2010 US auto insurance premium = $189,571,405

National General Insurance Company is available in almost all of the US states except Delaware, Hawaii, & Massachusetts.

The National General Insurance Company subsidiary has a much higher than average number of auto insurance complaints in 2012 & 2013, with its number of auto insurance complaints at 56% & 73% more than the annual industry average respectively. Although the company had less than the average number of auto insurance complaints for 2010 & 2011, the results for the most recent years are most relevant. The auto insurance market share for National General Insurance Company has decreased since 2010, which may be an indication National General Insurance Company does not have competitive pricing for its auto insurance, in at least some of the states where it operates.

MIC General Insurance Corporation Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = B (.45)

2013 US auto insurance premium = $72,071,009

2012 Auto Insurance Complaint Ratio = B (.40)

2012 US auto insurance premium = $68,550,910

2011 Auto Insurance Complaint Ratio = B (.26)

2011 US auto insurance premium = $64,998,559

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $67,363,636

MIC General Insurance Corporation is available in the states of Alaska, Alabama, Arizona, California, Florida, Georgia, Indiana, Michigan, Missouri, New Jersey, Ohio, Oklahoma, Pennsylvania, & Tennessee.

The MIC General Insurance Corporation subsidiary has maintained a better-than-average auto insurance complaint history over the last four years, with its number of auto insurance complaints in its worst year during this period (2013), still only 45% of the industry average. The auto insurance market share for MIC General Insurance Corporation has increased from 2012 to 2013, which may be an indication MIC General Insurance Corporation now has more competitive pricing for its auto insurance, in at least some of the states where it operates.

New South Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = B (.28)

2013 US auto insurance premium = $116,515,625

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $137,472,332

2011 Auto Insurance Complaint Ratio = B (.33)

2011 US auto insurance premium = $127,249,308

2010 Auto Insurance Complaint Ratio = B (.21)

2010 US auto insurance premium = $121,236,236

New South Insurance Company is available in the states of Georgia, Missouri, North Carolina, New York, Ohio, Rhode Island, Tennessee, Virginia, & Washington.

The New South Insurance Company subsidiary has maintained a better-than-average auto insurance complaint history over the last four years, with its number of auto insurance complaints in its worst year during this period (2011), at only 33% of the industry average. However, the auto insurance market share for New South Insurance Company decreased from 2012 to 2013, which may be an indication New South Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Integon Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = B (.14)

2013 US auto insurance premium = $79,796,653

2012 Auto Insurance Complaint Ratio = B (.14)

2012 US auto insurance premium = $63,022,369

2011 Auto Insurance Complaint Ratio = B (.28)

2011 US auto insurance premium = $60,737,366

2010 Auto Insurance Complaint Ratio = B (.29)

2010 US auto insurance premium = $58,811,230

Integon Casualty Insurance Company is available in the states of Connecticut, North Carolina, New York, Tennessee, & Virginia.

The Integon Casualty Insurance Company subsidiary has maintained a better-than-average auto insurance complaint history over the last four years, with its number of auto insurance complaints in its worst year during this period, at 29% of the industry average. The auto insurance market share for Integon Casualty Insurance Company has increased over the last four years, which may be an indication of competitive pricing for its auto insurance, in at least some of the states where it operates.

Integon General Insurance Corporation Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = C (1.01)

2013 US auto insurance premium = $21,523,467

2012 Auto Insurance Complaint Ratio = B (0) (No Complaints)

2012 US auto insurance premium = $25,948,749

2011 Auto Insurance Complaint Ratio = B (0) (No Complaints)

2011 US auto insurance premium = $28,930,550

2010 Auto Insurance Complaint Ratio = B (.36)

2010 US auto insurance premium = $23,834,615

Integon General Insurance Corporation is available in the states of Alabama, Colorado, Florida, Georgia, Missouri, North Carolina, Ohio, Rhode Island, South Carolina, Tennessee, & Virginia.

The Integon General Insurance Corporation subsidiary has maintained a better-than-average auto insurance complaint history in three of the last four years, with its number of auto insurance complaints in its worst year during this period (2013), at only 1% more than the industry average. The auto insurance market share for Integon General Insurance Corporation has decreased since 2011, which may be an indication Integon General Insurance Corporation no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.

Integon Indemnity Corporation Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (1.42)

2013 US auto insurance premium = $38,201,090

2012 Auto Insurance Complaint Ratio = W (1.44)

2012 US auto insurance premium = $50,291,881

2011 Auto Insurance Complaint Ratio = B (.60)

2011 US auto insurance premium = $56,858,952

2010 Auto Insurance Complaint Ratio = B (.15)

2010 US auto insurance premium = $57,288,354

Integon Indemnity Corporation is available in the states of Alaska, Alabama, Arizona, Colorado, Florida, Georgia, Iowa, Kentucky, Missouri, North Carolina, New York, Ohio, Pennsylvania, Rhode Island, Virginia, & Washington.

The Integon Indemnity Corporation subsidiary has a much higher than average number of auto insurance complaints in 2012 & 2013, with its number of auto insurance complaints at 44% & 42% more than the annual industry average respectively. Although the company had less than the average number of auto insurance complaints for 2010 & 2011, the results for the most recent years are more relevant. The auto insurance market share for Integon Indemnity Corporation has decreased over the last four years, which may be an indication Integon Indemnity Corporation does not have competitive pricing for its auto insurance, in at least some of the states where it operates.

Integon National Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (1.68)

2013 US auto insurance premium = $420,465,546

2012 Auto Insurance Complaint Ratio = C (1.07)

2012 US auto insurance premium = $407,212,906

2011 Auto Insurance Complaint Ratio = B (.69)

2011 US auto insurance premium = $321,681,242

2010 Auto Insurance Complaint Ratio = C (1.07)

2010 US auto insurance premium = $301,495,938

Integon National Insurance Company is the largest auto insurance subsidiary in the National General Insurance Group, more than two times larger than the next largest auto insurance subsidiary in the group. If you received an auto insurance quote from General National, its a good chance this is the subsidiary company being quoted, if you live in a state where this company operates.

Integon National Insurance Company is available in the states of Alabama, Arizona, California, Colorado, Florida, Georgia, Iowa, Illinois, Michigan, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New York, Ohio, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Vermont, & Wisconsin.

The Integon National Insurance Company subsidiary has a higher than average number of auto insurance complaints in three of the last four years, with its number of auto insurance complaints in its worst year during this period (2013), at 68% more than the industry average. However, in updating this review for 2014, the 2011 & 2012 complaint ratios dropped significantly from what they were last year, so this may be the case for the 2013 complaint ratio when I update this review next year. The auto insurance market share for National General Assurance Company has increased greatly over the last four years, which may be a strong indication of competitive pricing for its auto insurance, in at least some of the states where it operates.

Integon Preferred Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = C (1.04)

2013 US auto insurance premium = $62,547,219

2012 Auto Insurance Complaint Ratio = C (1.15)

2012 US auto insurance premium = $54,882,749

2011 Auto Insurance Complaint Ratio = C (1.22)

2011 US auto insurance premium = $55,680,464

2010 Auto Insurance Complaint Ratio = C (.93)

2010 US auto insurance premium = $54,758,156

Integon Preferred Insurance Company is available in the states of California, Florida, Georgia, New York, Ohio, South Carolina, Virginia, & Washington.

The Integon Preferred Insurance Company subsidiary has a higher than average number of auto insurance complaints in the most recent three of the last four years, with its number of auto insurance complaints in its worst year during this period (2011), at 22% more than the industry average. The auto insurance market share for Integon Preferred Insurance Company has increased from 2012 to 2013, which may be an indication Integon Preferred Insurance Company now has more competitive pricing for its auto insurance, in at least some of the states where it operates.

The auto & home insurance companies below were acquired by National General in 2014:

Personal Express Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $9,267,141

2012 Auto Insurance Complaint Ratio = C (1.03)

2012 US auto insurance premium = $8,828,643

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $8,413,420

In 2014, National General Holdings Corporation purchased Personal Express Insurance Company, a small insurance company selling auto & home insurance direct to consumers in the state of California only, from AmTrust Financial Services, Inc. We’ll see in the future if National General will use this subsidiary to expand its business, or just maintain it as a runoff company. Above are the auto insurance complaint statistics for Personal Express, and its homeowners insurance complaint statistics are below. If you are a California auto or home owner, and interested in getting a price quote from Personal Express, you can visit the Personal Express Insurance Company website.

Personal Express Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $5,806,186

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $5,586,249

2011 Home Insurance Complaint Ratio = W (1.57)

2011 US home insurance premium = $5,166,485

Also in 2014, National General Holdings Corporation acquired certain assets of Imperial Management Corporation, including its underwriting subsidiaries Imperial Fire & Casualty Insurance Company and National Automotive Insurance Company. Click this link to see my ratings for the 2010-2013 home & auto insurance complaint statistics for Imperial Fire & Casualty Insurance Company review in my Imperial Fire & Casualty Insurance Company review. Below are the auto insurance complaint statistics for National Automotive Insurance Company.

National Automotive Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2013 Auto Insurance Complaint Ratio = W (2.05)

2013 US auto insurance premium = $21,142,209

2012 Auto Insurance Complaint Ratio = W (1.40)

2012 US auto insurance premium = $19,426,657

2011 Auto Insurance Complaint Ratio = W (4.45)

2011 US auto insurance premium = $19,131,299

3. National General (Formerly GMAC) Auto Insurance Complaint Ratings Compared to Major Competitors.

Allstate Insurance

Auto insurance complaint record: The Allstate subsidiaries have a history of better annual auto insurance complaint ratios compared to the larger National General companies.

You can check Allstate’s complaint statistics in my Allstate Insurance complaints & ratings review here.

State Farm Insurance

Auto insurance complaint record: The State Farm subsidiaries have a history of better annual auto insurance complaint ratios than the larger National General companies.

You can check the State Farm complaint statistics in my State Farm Insurance complaints & ratings review here.

Farmers Insurance

Auto insurance complaint record: Most of the many Farmers Insurance Group companies have a history of better annual auto insurance complaint ratios compared to the larger National General companies.

GEICO Insurance

Auto insurance complaint record: The GEICO companies, except for GEICO Casualty Company, have a history of better annual auto insurance complaint ratios compared to the larger National General companies. GEICO Casualty, which sells nonstandard auto insurance, like many of the National General companies, has an auto insurance complaint record similar to the larger National General companies.

You can check the GEICO complaint statistics in my GEICO Insurance complaints & ratings review here.

Progressive Insurance

Auto insurance complaint record: Most of the many Progressive Insurance Group companies have a history of better annual auto insurance complaint ratios than the larger National General companies. These Progressive subsidiaries have about the same auto insurance complaint ratios as the larger National General companies: Progressive Express Insurance Company, Progressive Southeastern Insurance Company, & United Financial Casualty Company.

You can check the Progressive complaint statistics in my Progressive Insurance complaints & ratings review here.

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Thanks for reading this review about National General (formerly GMAC) auto insurance complaints. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of National General auto insurance? Did you find this review useful? Comment on my facebook page. If you have questions, contact me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.