Nevada Car Insurance Guide (Cheap Rates + Best Companies)

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Nevada Statistics SummaryDetails
Road MilesTotal in State: 42,815
Vehicle Miles Driven: 25.3 billion
VehiclesRegistered: 2.17 million
Thefts: 10,185
State Population3,034,392
Most Popular VehicleToyota RAV4
Uninsured Motorists10.60%
State Rank: 29th
Driving FatalitiesSpeeding: 95
Drunk Driving: 89
Average Annual PremiumsLiability: $681.56
Collision: $303.86
Comprehensive: $117.63
Combined: $1,103.05
Cheapest ProviderUSAA

In the land of sin, also more commonly known as the state of Nevada, it’s easy to gamble away your troubles. But one trouble you should never gamble away is your car insurance needs.

That’s where we come in. We’ve put together this comprehensive guide to help you understand all the elements of car insurance in Nevada that you need to know.

We’ll cover topics on the minimum insurance coverage you’re allowed to have, the largest car insurance companies in the state, the various but specific state laws you’ll need to adhere to, and the absolute can’t miss facts of driving in Nevada.

So buckle up and hang tight and let’s get this party started.

If you want to start comparing today, you can use our FREE online tool now. All you need is your zip code to get started.

Table of Contents

Nevada Insurance Coverage and Rates

Let’s get started! In order to know what kind of insurance coverage you’ll need, you’ll want to know the coverage requirements for the state of Nevada. We’ll even throw in some of the typical rates you’ll see for good measure.

We’ll go over everything from the minimum coverage required, forms of financial responsibility, and more.

Keep reading to find out.

– Nevada Minimum Coverage

In order to legally drive in Nevada, you’re going to want to make sure you have at least the minimum liability coverage. What exactly is this?

Liability coverage essentially covers the costs of an accident, for both yourself and the other driver (if you live in an at-fault state). The minimum liability coverage is the minimum amount of this coverage you can legally have.

Since Nevada falls under an at-fault state system, this becomes very important.

An “at-fault” state means that if you are the one who caused the accident, you are the one (and your insurance provider) who is liable for the costs of that accident for both yourself, and the other driver.

So what kind of minimum liability coverage does Nevada have? Well, Nevada has a 25/50/20 minimum, which we’ve broken down for you down below:

  • 25 = $25,000 for the payment of any injuries/death of one person in an accident you caused
  • 50 = $50,000 for the payment of any injuries/death of multiple people in an accident you caused
  • 20 = $20,000 for the payment of any property damages in an accident you caused

So bare this in mind; this is the minimum coverage that you are legally obligated to have in order to drive. It’s always recommended, however, to consider getting above the minimum coverage. Why?

Well think of it this way, if you are in a bad enough accident, the above amounts might run out pretty quickly. Once it does, you will be the one who is responsible for the remaining costs.

Check out the video down below for more information on the basics of liability coverage in Nevada.

– Forms of Financial Responsibility

After acquiring the insurance that you need, you’re going to want to make sure you have something known as a form of financial responsibility while you are driving.

A form of financial responsibility, also more commonly known as proof of insurance, is a way in which you can provide proof that you indeed have the above minimum liability coverage.

In Nevada, there’s a program known as the LIVE program that does a lot of the hard work for you. It checks your insurance coverage in real-time if you are ever pulled over by law enforcement, or are in a car accident.

You are still required, however, to carry some proof of insurance on you at all times while you are driving. What kinds of proof of insurance are acceptable in Nevada?

  • Insurance ID Card (can be either a physical copy, or an electronic copy)
  • Copy of your insurance policy

So while the LIVE program can help make the process of proving you have the minimum liability coverage, make sure you still always carry at least one form of financial responsibility.

– Premiums as a Percentage of Income

A factor for just how much your insurance premium is going to be, is actually based on a term known as the per capita disposable income. What in the world does this mean, and why would it affect you?

A disposable income is basically the amount of money you make after taxes have been paid. If you average out what your disposable income is with the rest of the citizens of Nevada (for instance), you have the per capita disposable income.

According to Statista, the per capita disposable income in 2018 for Nevada was $48,176.

This means that, for the average Nevada citizen, this is the amount of money you would have leftover to pay for all of your expenses such as health insurance, rent/mortgage payments, etc.

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$1,083.42$36,477.002.97%$1,047.74$34,856.003.01%$1,024.09$35,605.002.88%

The table above is the three-year trend for insurance coverage in Nevada as compared to the per capita disposable income.

As you can see, Nevada citizens tend to pay an average of 3 percent of their disposable income just on insurance alone.

Making sure that you budget your income will help make sure you are able to make these payments is crucial. Insurance coverage is legally required for you to drive, so unless you are planning to start walking everywhere, you’re going to have to make these payments.

Want to know how much of your own income is going to your insurance? Use the tool below in order to get the exact percentage.

CalculatorPro

– Core Coverage

According to the National Association of Insurance Commissioners (NAIC), Nevada has the following core coverage costs:

Coverage TypeAnnual Costs in 2015
Liability$681.56
Collision$303.86
Comprehensive$117.63
Combined$1,103.05

– Additional Liability

We’ve covered the minimum liability coverage you are required to have, but what about additional liability coverage types that are available for you?

There are two specific additional liability types that we’ll discuss in this section; Medical Payments (MedPay) and Uninsured/Underinsured Motorist coverage.

Medical Payments (MedPay) is the coverage type that will help cover your medical expenses should you ever be in an accident.

Uninsured/Underinsured Motorist coverage is the coverage type that helps to cover the costs of an accident should you be involved in an accident with a driver who either has less than the minimum liability coverage, or who doesn’t have insurance coverage at all.

Considering that 10.6 percent of the Nevada population is uninsured/underinsured, this last coverage option can be especially useful.

Now that you know about these two additional liability coverage options, we’ll discuss what their loss ratios are for the state of Nevada. But what is a loss ratio?

A loss ratio is basically the amount of money that insurance companies pay out in claims to their customers as compared to the amount of money that these providers bring in via the insurance payments you make to them.

So what is a good loss ratio, and what isn’t? Well, it’s based on the percentage of this comparison of claims versus premiums. You want a loss ratio that isn’t too high nor too low.

A loss ratio that is too high (over 100 percent) means that companies are paying out too much in insurance premiums and are actually at risk of going bankrupt.

A loss ratio that is too low means that companies aren’t paying out enough to their customers for insurance claims.

It’s like the story of Goldilocks, you want a loss ratio that is just right.

The table below displays the three-year trend for loss ratios in Nevada:

Loss Ratio201520142013
Medical Payments (MedPay)79.0078.3281.58
Uninsured/Underinsured Motorist Coverage98.40107.13101.86

As you can see, MedPay has been riding at around 79.6 percent, which is pretty good.

Uninsured/Underinsured Motorist Coverage, however, while it looks to be starting to trend downward, it is still in the realm of loss ratios that are too high. For you, this means that insurance companies will likely start raising insurance premiums to try and balance out this ratio in the future.

– Add-Ons, Endorsements, and Riders

Did you know that there is extra coverage that you could get, for really cheap? No? Then do we have news for you.

There are various add-ons for your policy that can really help you out in the long run. They’re definitely worth taking a look at.

We’ve collected a few of of the most valuable coverage types you might want to consider adding to your policy.

– Demographic Rates

There’s a common myth in the insurance world that it’s men that tend to pay more for their insurance rates. Well, we took a look at the demographic rates in Nevada to find out of this was true.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,213.12$3,187.35$2,980.43$3,148.67$10,608.38$12,771.99$3,436.69$3,631.01
American Family Mutual$3,166.61$3,166.61$2,821.83$2,821.83$10,708.72$14,014.29$3,166.61$3,653.13
Mid-Century Ins Co$3,309.54$3,398.72$3,017.95$3,407.39$11,011.64$11,728.64$4,410.53$4,434.89
Geico Cas$2,764.87$2,674.83$2,816.04$2,873.57$6,851.05$6,237.15$2,737.80$2,324.96
Safeco Ins Co of IL$3,084.15$3,335.64$3,041.79$3,434.95$14,026.77$15,639.03$3,477.93$3,637.13
Depositors Insurance$2,362.11$2,414.50$2,152.73$2,282.29$5,805.75$6,979.24$2,808.27$2,994.55
Progressive Direct$2,182.18$1,873.41$1,904.77$1,899.44$9,436.38$10,231.11$2,535.15$2,328.90
State Farm Mutual Auto$3,496.78$3,496.78$3,171.99$3,171.99$10,846.02$13,863.57$3,917.14$4,378.51
Travelers Home & Marine Ins Co$2,107.82$2,137.13$2,013.94$2,011.37$11,261.00$18,350.69$2,332.62$2,582.53
USAA$2,044.07$2,007.42$1,960.43$1,948.62$5,313.62$5,987.19$2,576.44$2,740.28

As you can see from the table above, it’s actually age and marital status that plays a bigger factor in your insurance rates more than your gender.

– Rates by Zip Code and City

In the table below, we’ve gathered all of the insurance rates you’ll see by zip code in Nevada:

ZipcodeAverageAllstate F&CAmerican Family MutualMid-Century Ins CoGeico CasSafeco Ins Co of ILDepositors InsuranceProgressive DirectState Farm Mutual AutoTravelers Home & Marine Ins CoUSAA
89101$7,486.53$8,048.30$8,553.10$9,480.30$4,836.05$9,883.38$5,319.48$5,888.23$9,533.35$9,371.11$3,951.95
89102$7,376.44$8,048.30$8,409.97$9,480.30$5,120.65$9,545.82$5,166.70$5,994.61$9,241.46$8,794.42$3,962.16
89106$7,374.13$7,769.45$8,409.97$9,480.30$4,962.07$10,172.89$5,533.73$6,020.83$9,274.17$8,165.97$3,951.95
89104$7,360.29$7,272.17$8,553.10$9,480.30$4,808.57$9,617.41$5,060.70$6,334.43$9,503.70$9,020.61$3,951.95
89030$7,347.44$8,088.48$8,409.97$9,318.62$4,836.05$9,883.38$5,533.73$6,251.86$8,285.37$8,915.00$3,951.95
89107$7,255.06$7,273.19$8,409.97$9,480.30$4,927.35$9,638.95$4,791.34$6,042.04$9,232.25$8,862.80$3,892.43
89109$7,199.02$7,710.41$8,553.10$9,480.30$4,846.89$9,183.10$5,060.70$5,686.59$8,294.43$9,297.97$3,876.74
89110$7,189.04$7,638.37$8,553.10$9,318.62$4,735.03$9,325.59$5,382.89$5,830.40$9,304.06$8,097.44$3,704.95
89169$7,157.11$7,319.33$8,553.10$9,480.30$4,960.96$9,183.10$5,060.70$5,164.44$8,674.52$9,297.97$3,876.74
89146$7,073.86$7,611.76$8,409.97$9,480.30$5,119.94$8,278.72$5,166.70$6,302.95$8,675.02$7,700.06$3,993.24
89103$7,029.98$7,954.13$8,409.97$8,690.65$4,977.04$8,275.86$5,166.70$5,732.50$8,928.35$8,202.41$3,962.16
89121$6,944.29$7,564.25$8,284.68$9,480.30$4,652.70$8,323.80$4,954.07$5,799.01$9,135.53$7,371.80$3,876.74
89119$6,919.52$7,883.30$8,284.68$8,690.65$4,652.70$9,183.10$5,238.74$5,024.44$8,931.76$7,429.11$3,876.74
89156$6,903.68$7,452.92$7,876.90$9,318.62$4,737.88$8,276.43$5,103.24$6,432.02$8,465.05$7,832.08$3,541.66
89147$6,898.71$7,915.29$7,953.51$9,160.06$5,280.42$8,177.41$4,959.82$6,140.50$8,392.48$7,111.97$3,895.68
89032$6,879.48$7,769.45$8,409.97$9,318.62$4,190.21$8,636.05$4,933.96$5,456.27$8,675.45$7,591.30$3,813.50
89142$6,870.53$7,231.45$7,876.90$9,318.62$4,685.71$8,276.43$4,954.07$5,769.08$9,242.92$7,554.76$3,795.37
89117$6,861.26$7,915.29$8,184.95$8,485.83$5,307.64$8,378.44$4,948.36$5,793.08$8,493.85$7,111.97$3,993.24
89120$6,856.41$7,489.95$8,284.68$9,480.30$4,635.57$7,922.66$4,738.80$5,423.88$8,609.67$8,101.88$3,876.74
89108$6,830.19$6,748.50$7,876.90$9,318.62$4,318.70$8,317.02$4,791.34$5,730.61$9,255.16$8,052.63$3,892.43
89122$6,808.18$7,143.22$7,876.90$9,318.62$4,691.99$8,276.43$4,738.80$5,717.62$9,035.87$7,364.02$3,918.32
89118$6,803.81$7,620.98$7,953.51$8,690.65$5,158.39$8,275.86$4,978.20$5,899.43$8,520.80$7,151.05$3,789.24
89148$6,782.42$7,748.82$7,818.69$9,160.06$5,070.96$8,079.21$4,809.06$5,965.21$7,852.17$7,424.37$3,895.68
89115$6,731.08$6,336.10$7,876.90$9,318.62$4,193.14$9,570.04$4,969.50$5,651.34$8,558.04$8,049.05$2,788.04
89139$6,708.63$7,753.29$6,967.21$8,602.85$5,231.49$7,975.48$4,647.53$6,376.44$8,087.23$7,655.58$3,789.24
89128$6,592.48$6,728.87$8,184.95$8,485.83$4,287.10$7,998.88$4,665.41$5,790.97$8,380.51$7,438.02$3,964.26
89145$6,585.70$7,032.37$8,184.95$8,485.83$4,287.10$8,309.94$4,665.41$5,440.70$8,260.80$7,182.67$4,007.21
89179$6,583.81$7,768.42$6,610.58$9,160.06$5,222.35$8,419.64$4,526.94$5,017.65$7,550.30$7,666.47$3,895.68
89113$6,554.22$7,211.62$6,967.21$9,160.06$5,050.28$8,177.41$4,647.53$5,423.24$8,408.23$6,707.34$3,789.24
89178$6,523.70$6,890.02$6,610.58$9,160.06$5,158.39$8,079.21$4,526.94$5,657.99$7,833.77$7,424.37$3,895.68
89141$6,518.11$7,334.79$6,967.21$8,602.85$5,318.02$7,957.22$4,446.61$5,489.04$7,764.76$7,464.11$3,836.45
89158$6,508.30$6,748.50$8,553.10$9,480.30$4,318.70$9,183.10$5,060.70$5,218.90$5,145.97$7,832.08$3,541.66
89031$6,478.19$7,331.22$7,244.78$8,485.83$4,326.08$8,484.53$4,933.19$5,505.84$7,780.21$7,288.23$3,402.05
89161$6,461.55$8,013.37$5,330.75$9,160.06$3,477.01$9,183.10$4,526.94$5,476.35$7,583.60$8,322.66$3,541.66
89130$6,440.03$6,865.14$7,876.90$8,485.83$4,069.19$8,248.52$4,416.05$5,258.29$7,743.91$7,592.66$3,843.79
89183$6,327.10$7,254.97$6,967.21$8,602.85$4,487.19$8,151.48$4,446.61$5,212.74$8,056.46$6,255.03$3,836.45
89135$6,310.96$6,888.72$7,818.69$7,819.91$4,568.56$8,092.19$4,362.11$5,671.28$7,681.26$6,400.51$3,806.38
89199$6,285.39$7,231.10$5,330.75$9,480.30$4,652.70$9,057.59$5,238.74$5,024.44$5,145.97$8,904.30$2,788.04
89191$6,248.03$7,452.92$7,876.90$9,318.62$3,477.01$8,276.43$4,969.50$5,278.70$8,441.18$4,600.98$2,788.04
89087$6,236.06$6,589.11$8,409.97$7,145.80$4,295.37$8,484.53$5,533.73$6,265.79$5,145.97$7,088.27$3,402.05
89129$6,214.77$6,748.50$7,078.20$8,485.83$4,230.49$7,998.88$4,484.60$5,027.29$8,051.30$6,267.31$3,775.28
89138$6,129.99$6,888.72$6,669.23$7,819.91$4,540.02$8,142.28$4,251.58$5,590.24$6,974.62$7,316.80$3,106.51
89144$6,123.71$6,884.22$6,669.23$7,819.91$4,332.97$7,998.88$4,362.11$5,366.50$7,002.32$7,168.56$3,632.40
89165$6,119.23$6,865.14$5,330.75$7,145.80$3,477.01$8,498.42$4,476.42$5,651.34$7,502.24$8,703.52$3,541.66
89123$6,105.08$6,411.06$6,967.21$8,602.85$4,008.83$7,922.66$4,279.18$5,311.08$7,512.97$6,255.03$3,779.97
89081$6,097.13$6,944.30$7,244.78$8,485.83$4,156.71$6,865.80$4,476.42$4,935.08$7,362.78$7,711.55$2,788.04
89074$6,094.27$7,231.10$6,493.72$6,904.95$4,703.77$7,299.27$4,379.13$5,469.34$7,760.80$7,105.66$3,594.96
89134$6,068.78$6,728.87$6,669.23$7,819.91$4,391.12$7,998.88$4,665.41$5,515.58$7,142.07$6,124.29$3,632.40
89149$6,034.31$6,465.60$7,078.20$7,145.80$4,230.49$8,087.77$4,416.05$5,046.09$7,408.64$6,723.77$3,740.68
89084$6,032.79$6,865.14$7,244.78$7,145.80$4,278.44$7,889.70$4,549.77$4,918.01$7,509.06$6,758.47$3,168.79
89131$6,017.17$6,865.14$7,244.78$7,145.80$4,230.58$8,283.97$4,340.33$5,254.59$6,532.13$6,679.80$3,594.55
89085$6,014.64$6,865.14$7,244.78$7,145.80$4,261.88$7,717.29$4,549.77$4,757.14$7,502.24$7,088.27$3,014.07
89052$5,986.00$6,762.52$6,669.23$7,438.51$4,236.19$7,430.58$4,218.37$4,987.71$7,185.79$7,336.14$3,594.96
89014$5,964.11$7,143.22$6,493.72$6,904.95$4,470.72$7,321.50$4,412.13$4,905.02$7,498.85$6,731.89$3,759.11
89086$5,912.55$6,589.11$7,244.78$7,145.80$4,295.37$6,851.40$4,476.42$4,700.72$7,331.05$7,088.78$3,402.05
89143$5,907.97$6,465.60$7,078.20$7,145.80$4,420.94$8,087.77$4,156.60$5,122.52$6,843.90$6,336.41$3,422.00
89011$5,810.24$6,337.44$6,493.72$6,904.95$3,892.22$7,724.66$4,306.38$4,823.40$7,334.15$6,595.15$3,690.29
89033$5,797.39$6,855.93$7,244.78$7,145.80$4,289.74$6,616.96$4,549.77$5,222.71$5,145.97$7,088.78$3,813.50
89044$5,713.37$5,970.85$6,669.23$7,438.51$4,236.30$7,430.58$3,807.01$5,054.67$6,414.67$6,516.92$3,594.96
89012$5,687.07$6,270.94$6,669.23$7,438.51$3,916.59$7,299.27$4,379.13$4,424.68$6,616.82$6,260.58$3,594.96
89004$5,596.93$7,347.57$5,330.75$5,087.44$3,477.01$8,446.02$4,526.94$5,218.90$6,841.13$6,586.57$3,106.95
89015$5,592.27$5,692.37$6,493.72$7,242.44$3,921.91$7,406.70$4,133.45$4,642.86$6,603.14$6,131.33$3,654.79
89002$5,582.91$5,692.37$6,493.72$7,242.44$3,736.50$7,651.11$4,133.45$4,284.42$6,864.79$6,131.33$3,598.96
89166$5,539.07$5,776.23$5,330.75$7,145.80$4,420.94$8,087.77$4,156.60$4,899.94$5,207.08$7,258.63$3,106.95
89054$5,508.41$6,411.06$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$5,492.04$7,816.48$6,705.62$3,836.45
89124$5,228.48$6,456.37$5,330.75$5,514.97$3,477.01$7,649.04$3,278.18$4,957.35$5,808.56$6,705.62$3,106.95
89019$4,769.17$6,456.37$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$5,148.59$5,437.45$4,534.92$3,469.71
89067$4,763.30$5,424.60$5,330.75$5,087.44$3,477.01$6,233.74$3,278.18$5,427.51$5,145.97$4,391.35$3,836.45
89026$4,643.58$5,424.60$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$2,833.99$5,358.02$4,391.35$3,605.45
89005$4,614.02$5,766.98$5,161.19$5,087.44$3,726.31$6,746.98$3,278.18$3,632.52$5,266.75$4,366.89$3,106.95
89046$4,576.29$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$3,556.14$5,145.97$4,971.78$3,106.95
89029$4,572.33$6,337.44$5,330.75$4,531.81$3,477.01$5,473.21$3,278.18$3,037.94$4,865.38$6,284.62$3,106.95
89018$4,548.91$5,779.77$5,330.75$5,087.44$3,477.01$5,957.20$3,278.18$4,655.31$4,828.04$3,988.43$3,106.95
89021$4,545.43$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,787.75$5,506.14$4,391.35$3,106.95
89040$4,527.30$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,484.97$5,627.56$4,391.35$3,106.95
89061$4,505.44$4,970.26$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,415.03$5,013.98$4,494.42$2,720.50
89039$4,495.80$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$2,833.99$5,063.20$4,971.78$3,106.95
89048$4,492.04$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,354.45$4,967.64$4,474.19$2,720.50
89025$4,475.32$5,424.60$5,330.75$5,087.44$3,477.01$6,216.11$3,278.18$2,833.99$5,606.78$4,391.35$3,106.95
89060$4,470.11$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,390.68$4,888.85$4,297.36$2,720.50
89502$4,360.16$4,480.81$4,458.57$5,141.78$3,628.06$5,543.97$3,190.76$3,908.31$5,178.41$5,314.11$2,756.81
89023$4,320.45$6,623.66$4,247.71$6,124.86$2,935.94$5,415.60$2,535.31$4,223.75$4,285.73$4,195.23$2,616.68
89509$4,318.19$4,387.62$4,701.37$5,141.78$3,490.17$5,516.58$3,190.76$3,744.41$5,211.40$5,041.04$2,756.81
89501$4,308.50$4,353.16$4,701.37$5,141.78$3,717.85$4,998.72$3,190.76$3,934.26$5,568.30$4,775.26$2,703.59
89519$4,293.24$4,387.62$4,458.57$5,141.78$3,628.53$5,516.58$3,021.96$3,547.36$5,504.12$5,041.04$2,684.80
89431$4,280.70$4,387.62$4,701.37$5,341.05$3,723.15$4,957.20$3,000.32$3,825.13$5,226.48$4,743.47$2,901.21
89402$4,276.79$4,313.24$4,102.86$6,298.44$3,691.95$4,736.62$3,043.41$2,939.09$5,752.58$5,026.90$2,862.88
89503$4,270.71$4,261.49$4,701.37$5,141.78$3,716.57$5,477.70$3,190.76$3,482.78$5,109.24$4,762.55$2,862.88
89449$4,255.26$4,003.00$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,160.21$5,849.86$5,718.66$2,622.31
89433$4,237.31$4,261.49$4,701.37$5,341.05$3,626.78$4,878.17$3,000.32$3,755.46$5,262.67$4,682.86$2,862.88
89512$4,226.10$4,261.49$4,701.37$5,141.78$3,724.41$5,074.76$3,000.32$3,827.36$5,233.93$4,432.72$2,862.88
89434$4,217.12$4,479.30$4,458.57$4,937.32$3,503.50$5,177.13$3,000.32$3,749.33$5,468.33$4,496.22$2,901.21
89034$4,213.97$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$5,145.97$4,412.55$3,813.50
89448$4,208.43$3,853.98$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,527.83$5,776.84$5,104.79$2,622.31
89521$4,205.94$4,459.72$4,458.57$5,141.78$3,559.76$4,627.42$3,207.52$3,481.87$5,189.95$5,181.38$2,751.45
89007$4,203.71$5,424.60$5,161.19$3,881.42$3,477.01$6,233.74$3,278.18$2,404.98$4,677.73$4,391.35$3,106.95
89506$4,198.94$4,185.59$4,458.57$5,033.35$3,536.94$5,311.28$2,952.59$3,733.80$5,285.24$4,629.13$2,862.88
89020$4,186.62$5,405.01$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$4,266.93$4,107.30$4,195.23$2,616.68
89523$4,158.67$4,261.49$4,458.57$5,141.78$3,571.14$5,199.66$2,952.59$3,400.62$5,249.62$4,647.62$2,703.59
89436$4,122.20$4,261.49$4,458.57$4,833.47$3,503.50$4,909.99$2,952.59$3,532.13$5,449.43$4,419.67$2,901.21
89413$4,118.99$4,003.00$4,102.86$6,298.44$3,577.65$4,364.76$2,816.60$3,527.83$5,752.58$4,123.88$2,622.31
89027$4,096.49$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$4,677.73$4,412.55$3,106.95
89508$4,093.90$4,185.59$4,458.57$5,141.78$3,536.94$4,998.72$2,878.87$3,638.66$5,065.80$4,171.21$2,862.88
89441$4,089.00$4,261.49$4,458.57$4,833.47$3,176.90$4,932.22$3,000.32$3,638.66$5,305.79$4,419.67$2,862.88
89511$4,083.86$4,024.07$4,458.57$5,085.68$3,577.65$4,674.50$3,021.96$3,417.76$5,205.80$4,726.47$2,646.15
89557$4,083.67$4,261.49$4,247.71$5,141.78$3,717.85$5,477.70$2,952.59$3,400.62$4,285.73$4,647.62$2,703.59
89451$4,083.26$4,313.24$4,102.86$3,619.53$3,691.95$4,736.62$3,043.41$3,728.02$5,707.18$5,026.90$2,862.88
89439$4,060.03$4,185.59$4,458.57$4,937.32$3,571.14$5,199.66$2,952.59$2,923.53$5,185.71$4,482.65$2,703.59
89003$3,973.32$4,434.73$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$3,010.18$4,201.34$4,195.23$2,616.68
89510$3,931.74$4,187.11$4,458.57$5,141.78$2,935.94$4,778.81$2,878.87$3,571.84$4,354.28$4,269.11$2,741.06
89008$3,789.18$5,424.60$4,247.71$3,314.88$2,935.94$4,831.57$2,535.31$3,752.54$4,373.32$3,859.26$2,616.68
89042$3,781.93$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$4,780.48$4,179.56$3,859.26$2,616.68
89411$3,779.91$4,003.00$4,102.86$3,783.38$3,481.28$4,275.90$2,816.60$3,544.88$5,276.91$3,891.96$2,622.31
89704$3,777.79$4,003.00$4,458.57$3,120.67$3,176.90$4,759.89$3,021.96$3,215.13$5,222.63$3,982.74$2,816.39
89022$3,774.00$4,230.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$4,428.95$4,285.73$3,729.14$2,616.68
89017$3,760.00$4,434.73$4,247.71$3,314.88$2,935.94$5,326.95$2,535.31$3,724.69$4,285.73$4,177.38$2,616.68
89705$3,752.62$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,816.60$3,211.56$4,643.14$4,224.20$2,626.26
89001$3,750.89$4,434.73$4,247.71$3,314.88$2,935.94$5,342.60$2,535.31$3,752.54$4,158.84$4,169.63$2,616.68
89703$3,740.66$4,003.00$4,102.86$3,783.38$3,517.09$4,618.27$2,618.76$3,200.55$4,730.13$4,237.79$2,594.78
89706$3,722.98$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,633.46$3,223.90$4,696.04$4,077.19$2,594.78
89702$3,712.29$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,616.94$4,237.79$2,626.26
89701$3,701.65$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,611.23$4,168.61$2,594.78
89424$3,683.95$4,187.11$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,450.85$4,974.36$3,886.29$2,741.06
89043$3,666.14$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$3,395.54$4,406.65$3,859.26$2,616.68
89013$3,657.04$4,434.73$4,247.71$3,314.88$2,935.94$5,431.25$2,535.31$2,638.03$4,275.63$4,140.27$2,616.68
89440$3,650.41$4,024.07$3,937.56$3,120.67$2,994.32$5,109.35$2,772.10$3,208.96$4,260.84$4,382.27$2,693.93
89422$3,630.32$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,218.99$2,573.74
89049$3,627.28$4,434.73$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,813.57$4,049.01$3,909.33$2,616.68
89442$3,625.44$4,024.07$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,432.51$4,285.73$4,171.21$2,741.06
89047$3,617.00$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,638.03$4,285.73$3,909.33$2,616.68
89314$3,612.73$4,032.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,889.62$4,285.73$3,853.70$2,616.68
89010$3,611.34$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,420.49$4,215.68$4,140.27$2,616.68
89420$3,609.41$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,009.91$2,573.74
89460$3,605.21$4,003.00$4,102.86$3,783.38$3,071.64$4,275.90$2,816.60$3,051.98$4,649.79$3,674.68$2,622.31
89423$3,599.50$4,003.00$4,102.86$3,783.38$3,107.45$4,275.90$2,630.68$3,029.98$4,659.34$3,776.12$2,626.26
89428$3,598.18$4,024.07$4,247.71$3,120.67$3,176.90$4,633.92$2,630.68$3,091.05$4,285.73$4,077.19$2,693.93
89403$3,584.29$3,853.98$3,937.56$3,578.66$3,099.79$4,941.45$2,630.68$2,946.92$4,278.12$3,881.80$2,693.93
89412$3,576.38$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,474.35$4,285.73$3,911.55$2,741.06
89310$3,568.23$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,944.42$4,285.73$3,932.26$2,573.74
89316$3,556.01$4,032.11$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$3,107.57$4,277.60$3,635.45$2,573.74
89408$3,553.17$3,853.98$3,937.56$3,120.67$2,958.17$4,824.69$2,762.64$3,177.22$4,190.08$4,012.76$2,693.93
89405$3,551.51$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,432.60$4,104.03$3,886.29$2,741.06
89410$3,544.17$3,853.98$4,102.86$3,398.05$3,107.45$4,275.90$2,816.60$2,928.33$4,712.22$3,674.68$2,571.69
89429$3,538.92$3,853.98$3,937.56$3,120.67$2,994.32$4,883.41$2,762.64$3,118.55$4,227.64$3,796.55$2,693.93
89409$3,538.25$4,012.51$4,247.71$3,120.67$2,935.94$5,001.20$2,535.31$2,760.38$4,285.73$3,909.33$2,573.74
89045$3,534.41$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,813.57$4,041.54$3,926.12$2,616.68
89444$3,533.97$3,853.98$4,102.86$3,120.67$2,935.94$4,439.50$2,535.31$2,923.53$4,650.50$4,203.65$2,573.74
89311$3,529.65$4,032.11$4,247.71$3,314.88$2,935.94$4,775.13$2,535.31$2,699.29$4,285.73$3,853.70$2,616.68
89318$3,524.26$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,037.98$3,853.70$2,616.68
89821$3,522.86$4,032.11$4,247.71$3,120.67$2,935.94$4,613.21$2,535.31$2,972.63$4,285.73$3,911.55$2,573.74
89319$3,522.02$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,015.55$3,853.70$2,616.68
89301$3,518.76$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,781.43$4,091.09$3,853.70$2,616.68
89438$3,517.20$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,921.11$4,285.73$3,911.55$2,741.06
89317$3,513.94$4,032.11$4,247.71$3,314.88$2,935.94$4,769.26$2,535.31$2,870.11$4,285.73$3,531.72$2,616.68
89830$3,507.76$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,285.73$3,784.82$2,573.74
89414$3,507.02$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,911.37$4,193.58$3,911.55$2,741.06
89883$3,504.32$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,251.31$3,784.82$2,573.74
89430$3,502.58$4,003.00$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,941.77$4,196.68$4,341.67$2,573.74
89415$3,497.60$3,849.47$4,247.71$3,120.67$2,935.94$4,399.49$2,535.31$3,064.82$4,238.98$4,009.91$2,573.74
89418$3,487.58$4,012.51$4,247.71$3,120.67$2,935.94$4,775.11$2,535.31$2,586.28$4,285.73$3,635.45$2,741.06
89404$3,474.95$4,012.51$4,247.71$3,120.67$2,935.94$4,372.72$2,535.31$2,586.28$4,285.73$3,911.55$2,741.06
89820$3,471.07$4,012.51$4,247.71$3,120.67$2,935.94$4,519.53$2,535.31$2,620.81$4,232.92$3,911.55$2,573.74
89425$3,470.37$4,012.51$4,247.71$3,120.67$2,935.94$4,379.95$2,535.31$2,596.03$4,222.97$3,911.55$2,741.06
89828$3,470.27$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$3,065.83$4,285.73$3,312.12$2,573.74
89426$3,468.91$4,012.51$4,247.71$3,120.67$2,935.94$4,335.52$2,535.31$2,596.03$4,285.73$3,878.60$2,741.06
89427$3,468.42$3,849.47$4,247.71$3,120.67$2,935.94$4,450.28$2,535.31$2,799.99$4,285.73$3,885.34$2,573.74
89447$3,465.95$3,853.98$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,936.92$4,095.71$4,109.98$2,693.93
89823$3,464.10$4,032.11$4,060.71$3,120.67$2,935.94$4,727.26$2,535.31$2,624.45$4,285.73$3,745.13$2,573.74
89825$3,463.15$4,032.11$4,060.71$3,120.67$2,935.94$4,578.64$2,535.31$2,624.45$4,424.85$3,745.13$2,573.74
89822$3,456.73$4,032.11$4,060.71$3,120.67$2,935.94$4,580.09$2,535.31$3,027.03$4,123.70$3,577.95$2,573.74
89801$3,451.43$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,667.27$4,230.11$3,577.95$2,573.74
89833$3,437.66$4,032.11$4,060.71$3,120.67$2,935.94$4,602.12$2,535.31$2,624.45$4,285.73$3,605.85$2,573.74
89815$3,434.84$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,662.57$4,334.73$3,312.12$2,573.74
89834$3,434.38$4,032.11$4,060.71$3,120.67$2,935.94$4,564.00$2,535.31$2,657.68$4,285.73$3,577.95$2,573.74
89831$3,431.30$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,685.71$4,285.73$3,577.95$2,573.74
89835$3,430.06$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$2,576.54$3,998.00$3,784.82$2,573.74
89419$3,428.28$4,012.51$4,247.71$3,120.67$2,935.94$4,386.51$2,535.31$2,586.28$4,081.33$3,635.45$2,741.06
89445$3,413.48$4,012.51$4,247.71$3,120.67$2,935.94$4,359.85$2,453.46$2,521.14$4,106.98$3,635.45$2,741.06
89832$3,411.87$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,522.37$4,254.77$3,577.95$2,573.74
89406$3,411.08$3,853.98$4,247.71$3,120.67$2,899.82$4,391.57$2,572.09$2,876.00$4,060.20$3,928.62$2,160.12

This table below shows the most to least expensive cities for insurance in Nevada:

CityAverage Grand Total
FALLON$3,411.08
OWYHEE$3,411.87
WINNEMUCCA$3,413.48
LOVELOCK$3,428.28
WELLS$3,430.06
MOUNTAIN CITY$3,431.30
TUSCARORA$3,434.38
SPRING CREEK$3,434.84
RUBY VALLEY$3,437.66
ELKO$3,451.43
CARLIN$3,456.72
JACKPOT$3,463.15
DEETH$3,464.10
YERINGTON$3,465.95
SCHURZ$3,468.42
PARADISE VALLEY$3,468.91
LAMOILLE$3,470.27
OROVADA$3,470.37
BATTLE MOUNTAIN$3,471.07
DENIO$3,474.95
IMLAY$3,487.58
HAWTHORNE$3,497.60
SMITH$3,502.58
WEST WENDOVER$3,504.32
GOLCONDA$3,507.01
MONTELLO$3,507.76
LUND$3,513.95
VALMY$3,517.20
ELY$3,518.76
RUTH$3,522.02
CRESCENT VALLEY$3,522.86
MC GILL$3,524.26
BAKER$3,529.65
WELLINGTON$3,533.97
ROUND MOUNTAIN$3,534.41
GABBS$3,538.25
SILVER SPRINGS$3,538.93
EMPIRE$3,551.51
FERNLEY$3,553.17
EUREKA$3,556.01
AUSTIN$3,568.23
GARDNERVILLE$3,574.70
GERLACH$3,576.38
DAYTON$3,584.29
SILVER CITY$3,598.18
MINDEN$3,599.50
LUNING$3,609.41
DYER$3,611.34
DUCKWATER$3,612.73
SILVERPEAK$3,617.00
WADSWORTH$3,625.44
TONOPAH$3,627.28
MINA$3,630.32
VIRGINIA CITY$3,650.41
GOLDFIELD$3,657.04
PIOCHE$3,666.14
NIXON$3,683.95
CARSON CITY$3,726.04
ALAMO$3,750.89
HIKO$3,760.00
MANHATTAN$3,774.01
WASHOE VALLEY$3,777.79
GENOA$3,779.91
PANACA$3,781.93
CALIENTE$3,789.18
BEATTY$3,973.32
VERDI$4,060.03
INCLINE VILLAGE$4,083.26
GLENBROOK$4,118.99
MESQUITE$4,155.23
SPARKS$4,177.26
AMARGOSA VALLEY$4,186.62
RENO$4,194.89
BUNKERVILLE$4,203.71
ZEPHYR COVE$4,208.43
SUN VALLEY$4,237.30
STATELINE$4,255.26
CRYSTAL BAY$4,276.79
MERCURY$4,320.45
MOAPA$4,475.32
PAHRUMP$4,489.20
CAL NEV ARI$4,495.80
OVERTON$4,527.30
LOGANDALE$4,545.43
INDIAN SPRINGS$4,548.91
LAUGHLIN$4,572.33
SEARCHLIGHT$4,576.29
BOULDER CITY$4,614.02
JEAN$4,706.38
COYOTE SPRINGS$4,763.30
SLOAN$5,508.41
BLUE DIAMOND$5,596.93
HENDERSON$5,803.78
NELLIS AFB$6,248.03
NORTH LAS VEGAS$6,310.63
LAS VEGAS$6,621.74

Best Car Insurance Companies in Nevada

There are so many different insurance companies in the United States that it can be rather overwhelming. All of those companies out there fighting for your business, it may seem like you’ll never muddle through them all.

That’s why, in this section, we’re going to discuss the best (and largest) companies available to you in Nevada.

– Largest Companies Financial Rating

Did you know there is actually a way for you to find out what the financial health is like for an insurance company?

It’s true. Through something known as the A.M. Best Rating, companies are basically given a grade for their financial health.

The below tables shows the A.M. Best Ratings for the largest insurance companies in Nevada:

Providers (Listed by Size, Largest to Smallest)A.M. Best Rating
State Farm GroupA++
GeicoA++
Progressive GroupA+
Allstate Insurance GroupA+
Farmers Insurance GroupA
USAA GroupA++
Liberty Mutual GroupA
CSAA Insurance GroupA
American Family Insurance GroupA
Hartford Fire & Casualty GroupA+

– Companies with the Best Customer Ratings

There are so many different factors when trying to pick the best company, so J.D. Power decided to step in to help.

They performed an auto insurance study to find out which companies, in the various different regions in the country, had the highest customer satisfaction ratings.

Nevada falls under the Southwest region, so we’ve provided the results of this study for this region.

Southwest JD Power

– Companies with Most Complaints in Nevada

It’s reasonable to assume that if you want to know the customer satisfaction of a provider, you’ll also want to know how many complaints they’ve received.

According to the Nevada Division of Insurance, the following complaint report has been found so far for 2019.

RESPONDENT NAMEOPENED DATECLOSED DATECOVERAGE TYPECOVERAGE LEVEL 1COVERAGE LEVEL 2REASON CATEGORYREASON TYPEDISPOSITIONS
METROPOLITAN LIFE INSURANCE COMPANY
05-20-201906-20-2019Accident and HealthGroupCancer / Dread DiseaseClaim HandlingDenial of ClaimNo Further Action Req/Rqd
OPERATING ENGINEERS LOCAL 501 HEW TRUST FUND
04-10-201904-10-2019Accident and HealthGroupDentalClaim HandlingDelayNo Jurisdiction
METROPOLITAN LIFE INSURANCE COMPANY
04-11-201905-13-2019Accident and HealthGroupDentalClaim HandlingDenial of ClaimNo Jurisdiction
PREMIER ACCESS INSURANCE COMPANY
05-09-201906-04-2019Accident and HealthGroupDentalClaim HandlingDelayCompromised Settlement/Resol.
LIBERTY DENTAL PLAN OF NEVADA, INC.
05-21-201906-21-2019Accident and HealthGroupDentalClaim HandlingDenial of ClaimClaim Settled
DELTA DENTAL INSURANCE COMPANY
06-03-201907-03-2019Accident and HealthGroupDentalPolicyholder ServiceInvol Termination by PlanNo Jurisdiction
METROPOLITAN LIFE INSURANCE COMPANY
06-04-201906-28-2019Accident and HealthGroupDentalClaim HandlingDenial of ClaimNo Further Action Req/Rqd
METROPOLITAN LIFE INSURANCE COMPANY
06-27-201907-22-2019Accident and HealthGroupDentalClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY
04-03-201905-13-2019Accident and HealthGroupDisability IncomeClaim HandlingDenial of ClaimClaim Settled
LINCOLN NATIONAL LIFE INSURANCE COMPANY
04-06-201904-25-2019Accident and HealthGroupDisability IncomeClaim HandlingDenial of ClaimCompany Position Upheld
LINCOLN NATIONAL LIFE INSURANCE COMPANY
04-12-201904-15-2019Accident and HealthGroupDisability IncomeClaim HandlingDenial of ClaimState Specific
PROMINENCE HEALTHFIRST
05-27-201906-11-2019Accident and HealthGroupHMOClaim HandlingOut-of-Network BenefitsCompany Position Upheld
HEALTH PLAN OF NEVADA INCORPORATED
06-14-201907-09-2019Accident and HealthGroupHMOUnderwritingPremium & RatingNo Further Action Req/Rqd
HOMETOWN HEALTH PLAN INCORPORATED
06-27-201907-23-2019Accident and HealthGroupHMOClaim HandlingOut-of-Network BenefitsCompany Position Upheld
DIVISION OF INSURANCE
04-04-201904-11-2019Accident and HealthGroupHealth OnlyClaim HandlingState SpecificState Specific
AETNA LIFE INSURANCE COMPANY
04-10-201904-11-2019Accident and HealthGroupHealth OnlyPolicyholder ServicePremium Notice/Billing
Premium Refund
No Jurisdiction
CULINARY HEALTH FUND (USDOL's Jurisdiction)
04-11-201904-22-2019Accident and HealthGroupHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
CULINARY HEALTH FUND (USDOL's Jurisdiction)
04-17-201904-22-2019Accident and HealthGroupHealth OnlyPolicyholder ServicePolicy DeliveryNo Jurisdiction
BOYD GAMING CORPORATION
HODGES-MACE LLC
04-30-201905-29-2019Accident and HealthGroupHealth OnlyPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
No Jurisdiction
HEALTHSCOPE BENEFITS INC
04-30-201905-08-2019Accident and HealthGroupHealth OnlyPolicyholder ServiceCoverage QuestionNo Jurisdiction
ALLSTATE ASSURANCE COMPANY
05-10-201905-10-2019Accident and HealthGroupHealth OnlyClaim HandlingState SpecificNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
05-14-201906-07-2019Accident and HealthGroupHealth OnlyClaim HandlingDenial of ClaimCompany Position Upheld
UNITEDHEALTHCARE INSURANCE COMPANY
05-23-201906-26-2019Accident and HealthGroupHealth OnlyUnderwritingRefusal to InsureNo Further Action Req/Rqd
AETNA HEALTH AND LIFE INSURANCE COMPANY
05-30-201906-26-2019Accident and HealthGroupHealth OnlyPolicyholder ServiceAccess to Care
Provider Listing Dispute
No Jurisdiction
CIGNA HEALTH AND LIFE INSURANCE COMPANY
06-08-201907-18-2019Accident and HealthGroupHealth OnlyPolicyholder ServiceCoverage QuestionNo Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
06-18-201907-22-2019Accident and HealthGroupHealth OnlyClaim HandlingDenial of ClaimNo Further Action Req/Rqd
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
05-07-201906-06-2019Accident and HealthGroupHealth Only,HMOClaim HandlingState Specific
Unsatisfactory Settle Offer
No Further Action Req/Rqd
LOOMIS COMPANY (THE)
05-17-201905-21-2019Accident and HealthGroupHealth Only,Self-Funded/ERISAClaim HandlingDelayNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
05-24-201905-28-2019Accident and HealthGroupMedicare Advantage,HMOClaim HandlingPharmacy Benefits
State Specific
No Jurisdiction
SIERRA HEALTH AND LIFE INSURANCE COMPANY
05-07-201906-11-2019Accident and HealthGroupPPOClaim HandlingDenial of Claim
Emergency Services
Unsatisfactory Settle Offer
No Further Action Req/Rqd
CIGNA HEALTH AND LIFE INSURANCE COMPANY
04-12-201905-08-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDelayNo Jurisdiction
CDS OF NEVADA INC
04-17-201905-08-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDelayNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-24-201904-24-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDenial of ClaimNo Jurisdiction
HEALTHSCOPE BENEFITS INC
05-09-201905-24-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDelayCompromised Settlement/Resol.
UNITEDHEALTHCARE INSURANCE COMPANY
05-26-201905-31-2019Accident and HealthGroupSelf-Funded/ERISAPolicyholder ServiceCoverage QuestionReferred to Proper Agency
CIGNA HEALTH AND LIFE INSURANCE COMPANY
05-28-201906-11-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDelayNo Jurisdiction
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
05-28-201906-04-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
AETNA LIFE INSURANCE COMPANY
06-03-201906-18-2019Accident and HealthGroupSelf-Funded/ERISAClaim HandlingDelayNo Jurisdiction
BASILE, LEWIS J
LIBERTY HEALTH GROUP LLC
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-06-201907-11-2019Accident and HealthGroupSelf-Funded/ERISAMarketing & SalesFailure to Submit Application
State Specific
Company Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
OPTUMRX, INC.
05-31-201906-26-2019Accident and HealthGroupSelf-Funded/ERISA,Pharmacy BenefitsClaim HandlingDenial of ClaimNo Jurisdiction
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
04-23-201905-14-2019Accident and HealthGroupSmall Group,PPOClaim HandlingNo PreauthorizationCompany Position Overturned
UNITEDHEALTHCARE INSURANCE COMPANY
04-11-201905-20-2019Accident and HealthGroupState SpecificClaim HandlingDenial of ClaimNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-11-201904-29-2019Accident and HealthGroupState SpecificClaim HandlingDenial of ClaimCompany Position Upheld
HEALTH PLAN OF NEVADA INCORPORATED
05-24-201906-12-2019Accident and HealthGroupState SpecificClaim Handling
Policyholder Service
Coverage Question
Denial of Claim
Company Position Upheld
UNITEDHEALTHCARE INSURANCE COMPANY
06-18-201906-24-2019Accident and HealthGroupState SpecificClaim HandlingDelayNo Jurisdiction
HEALTH NET LIFE INSURANCE COMPANY
04-24-201904-29-2019Accident and HealthGroupClaim HandlingDenial of ClaimNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-30-201905-21-2019Accident and HealthGroupClaim HandlingDelayClaim Settled
UNITEDHEALTHCARE INSURANCE COMPANY
05-14-201906-03-2019Accident and HealthGroupClaim HandlingDenial of ClaimClaim Settled
ST ROSE DOMINICAN HOSPITAL-SIENA CAMPUS
05-14-201905-16-2019Accident and HealthGroupClaim HandlingState SpecificNo Jurisdiction
KEIZER GROUP
05-21-201906-06-2019Accident and HealthGroupClaim HandlingDelayNo Further Action Req/Rqd
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-26-201907-18-2019Accident and HealthGroupPolicyholder ServiceCoverage QuestionCompany Position Upheld
CHESAPEAKE LIFE INSURANCE COMPANY
04-12-201904-29-2019Accident and HealthIndividualAccident OnlyClaim HandlingDenial of ClaimCompany Position Upheld
HEALTH PLAN OF NEVADA INCORPORATED
06-14-201907-09-2019Accident and HealthIndividualCOBRAPolicyholder ServiceCoverage QuestionCompany Position Overturned
CIGNA HEALTH AND LIFE INSURANCE COMPANY
05-07-201905-31-2019Accident and HealthIndividualCOBRA,GoldUnderwritingContinuation of BenefitsNo Further Action Req/Rqd
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY
05-08-201906-05-2019Accident and HealthIndividualCancer / Dread DiseasePolicyholder ServiceCoverage Question
Premium Notice/Billing
Company Position Upheld
GARDENS COSMETIC & FAMILY DENTISTRY
04-11-201904-15-2019Accident and HealthIndividualDentalClaim HandlingCoordination of Benefits
Unsatisfactory Settle Offer
No Jurisdiction
Referred to Proper Agency
LIBERTY DENTAL PLAN OF NEVADA, INC.
04-16-201904-19-2019Accident and HealthIndividualDentalClaim HandlingState SpecificNo Jurisdiction
PRINCIPAL LIFE INSURANCE COMPANY
05-07-201906-03-2019Accident and HealthIndividualDentalClaim HandlingDelayClaim Settled
METROPOLITAN LIFE INSURANCE COMPANY
05-08-201906-05-2019Accident and HealthIndividualDentalClaim HandlingDelayNo Jurisdiction
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
05-15-201906-04-2019Accident and HealthIndividualDentalClaim HandlingDelay
No Preauthorization
No Jurisdiction
METROPOLITAN LIFE INSURANCE COMPANY
05-15-201906-04-2019Accident and HealthIndividualDentalClaim HandlingCoordination of BenefitsNo Jurisdiction
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
05-28-201907-09-2019Accident and HealthIndividualDentalClaim HandlingRecoupmentCompromised Settlement/Resol.
PREMIER ACCESS INSURANCE COMPANY
06-04-201906-26-2019Accident and HealthIndividualDentalClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
UNITED OF OMAHA LIFE INSURANCE COMPANY
05-23-201906-11-2019Accident and HealthIndividualDisability IncomeClaim HandlingDelayCompany Position Upheld
Montero, Rebecca L
SILVERSUMMIT HEALTHPLAN INC
06-24-2019Accident and HealthIndividualExchangePolicyholder ServiceCoverage Question
HEALTH PLAN OF NEVADA INCORPORATED
04-01-201904-12-2019Accident and HealthIndividualHealth OnlyPolicyholder ServicePremium RefundNo Further Action Req/Rqd
SILVERSUMMIT HEALTHPLAN INC
04-01-201905-01-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceAccess to Care
Provider Listing Dispute
Insufficient Information
SILVERSUMMIT HEALTHPLAN INC
04-02-201904-24-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
Denial of Claim
State Specific
CIGNA HEALTH AND LIFE INSURANCE COMPANY
04-03-201904-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-03-201904-12-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayNo Jurisdiction
CIGNA HEALTH AND LIFE INSURANCE COMPANY
04-04-201904-23-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayNo Jurisdiction
Silver State Health Insurance Exchange-Nevada Health Link
04-08-201905-07-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
UNITEDHEALTHCARE INSURANCE COMPANY
04-08-201904-24-2019Accident and HealthIndividualHealth OnlyClaim HandlingCo-pay Issues
Unsatisfactory Settle Offer
No Further Action Req/Rqd
SIERRA HEALTH AND LIFE INSURANCE COMPANY
04-08-201904-29-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceCoverage Question
Inadequate Reimbursement/Rates
Policy Delivery
No Further Action Req/Rqd
AETNA HEALTH AND LIFE INSURANCE COMPANY
04-09-201904-25-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Out-of-Network Benefits
No Jurisdiction
SILVERSUMMIT HEALTHPLAN INC
04-09-201905-01-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
Unsatisfactory Settle Offer
No Further Action Req/Rqd
SILVERSUMMIT HEALTHPLAN INC
04-10-201907-30-2019Accident and HealthIndividualHealth OnlyClaim HandlingOut-of-Network Benefits
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
UNITEDHEALTHCARE INSURANCE COMPANY
04-12-201905-28-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
RENOWN HEALTH
04-15-201905-23-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
SIERRA HEALTH AND LIFE INSURANCE COMPANY
04-15-201905-10-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceInvol Termination by PlanCompany Position Overturned
Harmony Healthcare
SIERRA HEALTH AND LIFE INSURANCE COMPANY
04-16-201904-23-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimInsufficient Information
No Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-19-201905-17-2019Accident and HealthIndividualHealth OnlyClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
SILVERSUMMIT HEALTHPLAN INC
04-22-201907-05-2019Accident and HealthIndividualHealth OnlyClaim HandlingEmergency Services
Unsatisfactory Settle Offer
No Further Action Req/Rqd
HEALTH PLAN OF NEVADA INCORPORATED
04-23-201905-30-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Emergency Services
Company Position Upheld
FREEDOM LIFE INSURANCE COMPANY OF AMERICA
04-23-201905-28-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayCompromised Settlement/Resol.
SILVERSUMMIT HEALTHPLAN INC
04-25-201906-11-2019Accident and HealthIndividualHealth OnlyPolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
SIERRA HEALTH AND LIFE INSURANCE COMPANY
04-26-201905-28-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Emergency Services
Out-of-Network Benefits
Compromised Settlement/Resol.
AETNA HEALTH AND LIFE INSURANCE COMPANY
04-26-201905-28-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
04-26-201905-29-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Pharmacy Benefits
No Further Action Req/Rqd
SILVERSUMMIT HEALTHPLAN INC
05-03-201906-14-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayCompromised Settlement/Resol.
RENOWN REGIONAL MEDICAL CENTER
05-09-201905-14-2019Accident and HealthIndividualHealth OnlyClaim HandlingHospitalization
State Specific
No Jurisdiction
Referred to Proper Agency
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
05-13-201906-04-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimCompany Position Upheld
EQUIAN
05-13-201905-14-2019Accident and HealthIndividualHealth OnlyClaim HandlingSubrogationNo Jurisdiction
Referred to Proper Agency
PREMIER HEALTH SOLUTIONS LLC
05-19-201906-20-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
Pharmacy Benefits
No Further Action Req/Rqd
HEALTH PLAN OF NEVADA INCORPORATED
05-19-201906-05-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceInvol Termination by PlanNo Further Action Req/Rqd
UNITEDHEALTHCARE INSURANCE COMPANY
05-20-201906-04-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceInadequate Provider NetworkNo Jurisdiction
SIERRA HEALTH AND LIFE INSURANCE COMPANY
05-21-201906-06-2019Accident and HealthIndividualHealth OnlyClaim HandlingPharmacy BenefitsNo Further Action Req/Rqd
UNIVERSITY MEDICAL CENTER
05-22-201905-29-2019Accident and HealthIndividualHealth OnlyClaim HandlingState SpecificNo Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
05-26-201906-21-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Further Action Req/Rqd
PROMINENCE HEALTHFIRST
05-29-201906-26-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Laboratory Services
Out-of-Network Benefits
No Further Action Req/Rqd
COMPANION LIFE INSURANCE COMPANY
05-29-201906-17-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Emergency Services
Compromised Settlement/Resol.
HOMETOWN HEALTH PLAN INCORPORATED
06-03-201906-26-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
No Preauthorization
Company Position Upheld
HEALTH PLAN OF NEVADA INCORPORATED
06-03-201906-26-2019Accident and HealthIndividualHealth OnlyClaim HandlingCo-pay IssuesNo Further Action Req/Rqd
TRICARE
06-04-201906-28-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
AETNA HEALTH AND LIFE INSURANCE COMPANY
06-11-201907-25-2019Accident and HealthIndividualHealth OnlyClaim HandlingEmergency Services
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
LIFESHIELD NATIONAL INSURANCE CO.
06-11-201906-27-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Maternity and Newborn Care
Compromised Settlement/Resol.
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-12-201906-26-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayNo Jurisdiction
LIBERTY HEALTHSHARE
06-13-201906-21-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-16-201907-19-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayNo Jurisdiction
HUMANA HEALTH PLAN INCORPORATED
06-17-201907-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
Out-of-Network Benefits
No Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
06-17-201907-19-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayNo Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
06-17-201907-19-2019Accident and HealthIndividualHealth OnlyClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
06-19-201907-01-2019Accident and HealthIndividualHealth OnlyClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
06-19-201908-09-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimInsufficient Information
South Lyon Health Center, Inc. dba South Lyon Medical Center
06-20-201906-21-2019Accident and HealthIndividualHealth OnlyPolicyholder ServiceState SpecificNo Jurisdiction
ALIERA HEALTHCARE INC
06-20-201908-15-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
No Preauthorization
Company Position Overturned
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-20-201907-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Jurisdiction
LIFESHIELD NATIONAL INSURANCE CO.
06-24-201907-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayClaim Settled
SILVERSUMMIT HEALTHPLAN INC
06-24-201907-23-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayCompromised Settlement/Resol.
SIERRA HEALTH AND LIFE INSURANCE COMPANY
06-25-201907-24-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of ClaimNo Further Action Req/Rqd
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-25-201907-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingDenial of Claim
Medical Necessity
No Further Action Req/Rqd
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-26-201907-26-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelay
Denial of Claim
No Jurisdiction
PROMINENCE HEALTHFIRST
06-27-201907-22-2019Accident and HealthIndividualHealth OnlyClaim HandlingDelayCompany Position Overturned
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
04-16-201905-06-2019Accident and HealthIndividualHealth Only,Pharmacy Benefits,State SpecificClaim HandlingDenial of Claim
Pharmacy Benefits
Company Position Upheld
GENWORTH LIFE INSURANCE COMPANY
04-05-201905-13-2019Accident and HealthIndividualLong-Term CareUnderwritingPremium & RatingNo Further Action Req/Rqd
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
04-10-201905-10-2019Accident and HealthIndividualLong-Term CarePolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
04-10-201905-10-2019Accident and HealthIndividualLong-Term CarePolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
EQUITABLE LIFE AND CASUALTY INS COMPANY
06-05-201907-10-2019Accident and HealthIndividualLong-Term CarePolicyholder ServiceCoverage Question
State Specific
Company Position Upheld
FARMERS NEW WORLD LIFE INSURANCE COMPANY
06-28-201907-26-2019Accident and HealthIndividualLong-Term CareClaim HandlingDelayNo Further Action Req/Rqd
HOMETOWN HEALTH PLAN INCORPORATED
04-01-201904-01-2019Accident and HealthIndividualMedicare AdvantageMarketing & SalesMisleading AdvertisingNo Jurisdiction
AETNA HEALTH AND LIFE INSURANCE COMPANY
04-02-201904-12-2019Accident and HealthIndividualMedicare AdvantageClaim HandlingDelay
Denial of Claim
No Jurisdiction
AETNA HEALTH AND LIFE INSURANCE COMPANY
04-05-201904-24-2019Accident and HealthIndividualMedicare AdvantageClaim HandlingDelay
Denial of Claim
No Jurisdiction
UNITEDHEALTHCARE INSURANCE COMPANY
04-26-201905-01-2019Accident and HealthIndividualMedicare AdvantagePolicyholder ServicePremium Notice/BillingNo Jurisdiction
Referred to Proper Agency
UNITEDHEALTHCARE INSURANCE COMPANY
04-28-201905-02-2019Accident and HealthIndividualMedicare AdvantageClaim HandlingDenial of ClaimNo Jurisdiction
PACIFICARE OF COLORADO INC
05-22-201907-10-2019Accident and HealthIndividualMedicare AdvantageMarketing & SalesSuitabilityNo Further Action Req/Rqd
Humana Wisconsin Health Organization Insurance Corporation
06-26-201907-25-2019Accident and HealthIndividualMedicare AdvantageClaim HandlingDenial of ClaimNo Jurisdiction
HUMANA INSURANCE COMPANY
06-28-201908-08-2019Accident and HealthIndividualMedicare AdvantagePolicyholder ServiceState SpecificNo Further Action Req/Rqd
SILVERSCRIPT INSURANCE COMPANY
05-13-201905-22-2019Accident and HealthIndividualMedicare Supplement Plan DClaim HandlingCo-pay IssuesNo Further Action Req/Rqd
HOMETOWN HEALTH PLAN INCORPORATED
04-04-201905-01-2019Accident and HealthIndividualMedicare Supplement Plan FClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
UNITEDHEALTHCARE INSURANCE COMPANY
05-22-201906-21-2019Accident and HealthIndividualMedicare Supplement Plan JPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
FIRST HEALTH LIFE & HEALTH INSURANCE COMPANY
05-08-201905-14-2019Accident and HealthIndividualPPOClaim HandlingDelayComplaint Withdrawn
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
06-06-201906-21-2019Accident and HealthIndividualPPOClaim HandlingCo-pay IssuesCompany Position Upheld
PARTELL SPECIALTY PHARMACY
05-20-201906-17-2019Accident and HealthIndividualPharmacy BenefitsClaim HandlingCo-pay IssuesNo Jurisdiction
HEALTH PLAN OF NEVADA INCORPORATED
04-19-201905-09-2019Accident and HealthIndividualState SpecificClaim Handling
Policyholder Service
Coverage Question
Denial of Claim
Company Position Upheld
PROMINENCE HEALTHFIRST
05-14-201905-31-2019Accident and HealthIndividualState SpecificClaim HandlingOut-of-Network BenefitsContract Provision
SILVERSUMMIT HEALTHPLAN INC
05-15-201905-31-2019Accident and HealthIndividualState SpecificClaim HandlingDelayCompromised Settlement/Resol.
HUMANA INSURANCE COMPANY
05-28-201906-17-2019Accident and HealthIndividualVisionClaim HandlingDelayClaim Settled
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE INC
04-04-201904-18-2019Accident and HealthIndividualPolicyholder ServicePremium RefundCompany Position Upheld
UNITEDHEALTHCARE INSURANCE COMPANY
04-22-201905-14-2019Accident and HealthIndividualClaim HandlingOut-of-Network BenefitsCompany Position Upheld
GRAND DESERT MEDICAL
04-30-201905-02-2019Accident and HealthIndividualClaim HandlingState SpecificNo Jurisdiction
SILVERSUMMIT HEALTHPLAN INC
05-06-201907-01-2019Accident and HealthIndividualClaim HandlingDelayClaim Settled
SILVERSUMMIT HEALTHPLAN INC
05-10-201906-17-2019Accident and HealthIndividualClaim HandlingDenial of ClaimClaim Settled
SILVERSUMMIT HEALTHPLAN INC
05-10-201906-03-2019Accident and HealthIndividualClaim HandlingDenial of ClaimClaim Settled
PROMINENCE HEALTHFIRST
05-31-201906-25-2019Accident and HealthIndividualClaim HandlingCo-pay IssuesCompromised Settlement/Resol.
HOMETOWN HEALTH PLAN INCORPORATED
06-10-201906-27-2019Accident and HealthIndividualClaim HandlingAppeal Non-ComplianceCompany Position Overturned
SILVERSUMMIT HEALTHPLAN INC
06-19-201907-17-2019Accident and HealthIndividualClaim HandlingDelayCompromised Settlement/Resol.
CAREMARKPCS HEALTH LLC
04-25-201906-24-2019Accident and HealthState SpecificPharmacy BenefitsClaim HandlingDelayNo Further Action Req/Rqd
HUMANA INSURANCE COMPANY
JAY FISHER INSURANCE AGENCY INC
04-04-201905-24-2019Accident and HealthState SpecificPolicyholder Service
Underwriting
Abusive Service
State Specific
No Further Action Req/Rqd
Referred for Disciplinary Act.
UNITED FINANCIAL CASUALTY COMPANY
04-09-201905-16-2019AutomobileCommercialLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-11-201908-13-2019AutomobileCommercialLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LIBERTY MUTUAL INSURANCE COMPANY
04-30-201905-01-2019AutomobileCommercialLiabilityClaim HandlingAdjuster HandlingNo Further Action Req/Rqd
PRIMERO INSURANCE COMPANY
05-02-201906-20-2019AutomobileCommercialLiabilityClaim HandlingSubrogationCompany Position Upheld
No Further Action Req/Rqd
INDIAN HARBOR INSURANCE COMPANY
05-06-201905-15-2019AutomobileCommercialLiabilityClaim HandlingDelayClaim Settled
Insufficient Information
AIRPORT VAN RENTALS
05-08-201905-10-2019AutomobileCommercialLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Jurisdiction
WAFD Insurance Group, Inc
05-17-201906-14-2019AutomobileCommercialLiabilityUnderwritingCLUE ReportsNo Further Action Req/Rqd
No Jurisdiction
Spirit Commercial Auto Risk Retention Group Inc
05-28-201905-29-2019AutomobileCommercialLiabilityClaim HandlingState SpecificReferred to Another Department
PRIMERO INSURANCE COMPANY
06-03-201906-03-2019AutomobileCommercialLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
Spirit Commercial Auto Risk Retention Group Inc
06-20-201906-21-2019AutomobileCommercialLiabilityClaim HandlingState SpecificReferred to Another Department
D B FORD INC
FORD, KRISI SUE
06-26-2019AutomobileCommercialLiabilityClaim HandlingDelay
Unsatisfactory Settle Offer
ATLANTIC CASUALTY INSURANCE COMPANY
PATTERSON, NICHOLAS FRANKLIN
06-17-201907-24-2019AutomobileCommercialPhysical DamageClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Claim Settled
VIKING INSURANCE COMPANY OF WISCONSIN
04-21-201905-13-2019AutomobileMotorcycleComprehensiveClaim HandlingAdjuster Handling
Delay
Company Position Upheld
VIKING INSURANCE COMPANY OF WISCONSIN
05-07-201905-08-2019AutomobileMotorcycleComprehensiveClaim HandlingAdjuster HandlingNo Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
06-27-201907-26-2019AutomobileMotorcycleComprehensivePolicyholder Service
Underwriting
Cancellation
Premium Refund
Company Position Upheld
American Modern Property and Casualty Insurance Company
05-15-201906-27-2019AutomobileMotorcycleLiabilityClaim HandlingDenial of ClaimClaim Settled
Company Position Overturned
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
05-29-201906-19-2019AutomobileMotorcycleLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Choice Insurance Company
06-09-201907-10-2019AutomobileMotorcycleLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY
06-18-201907-25-2019AutomobileMotorcycleLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY
06-27-201907-25-2019AutomobileMotorcycleLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company
04-03-201905-03-2019AutomobilePrivate PassengerCollisionClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-04-201905-07-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY
04-06-201905-06-2019AutomobilePrivate PassengerCollisionClaim HandlingAdjuster HandlingCompany Position Upheld
DIETRICH, WARREN
NATIONAL DIRECT INSURANCE COMPANY
04-08-201904-23-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Further Action Req/Rqd
BANKERS STANDARD INSURANCE COMPANY
04-09-201904-30-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
USAA CASUALTY INSURANCE COMPANY
04-09-201905-06-2019AutomobilePrivate PassengerCollisionClaim HandlingDelay
Unsatisfactory Settle Offer
Claim Settled
American European Insurance Company
04-10-201905-02-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
American Family Mutual Insurance Company, S.I.
04-15-201905-02-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-15-201905-07-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
GEICO Secure Insurance Company
04-16-201905-01-2019AutomobilePrivate PassengerCollisionClaim HandlingAdjuster HandlingCompany Position Upheld
No Further Action Req/Rqd
GEICO Advantage Insurance Company
04-17-201905-07-2019AutomobilePrivate PassengerCollisionClaim HandlingDelayCompany Position Upheld
No Further Action Req/Rqd
LOYA INSURANCE COMPANY
04-18-201905-09-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of ClaimComplaint Withdrawn
FARMERS INSURANCE EXCHANGE
04-24-201905-28-2019AutomobilePrivate PassengerCollisionClaim HandlingFraudNo Further Action Req/Rqd
VIKING INSURANCE COMPANY OF WISCONSIN
04-29-201905-15-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
Compromised Settlement/Resol.
AMERICAN ACCESS CASUALTY COMPANY
04-29-201905-15-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
Contract Provision
No Further Action Req/Rqd
KEY INSURANCE COMPANY
05-02-201905-20-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
LM GENERAL INSURANCE COMPANY
05-03-201905-15-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Jurisdiction
USAA CASUALTY INSURANCE COMPANY
05-07-201905-09-2019AutomobilePrivate PassengerCollisionPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
USAA GENERAL INDEMNITY COMPANY
05-09-201906-26-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
GEICO Choice Insurance Company
05-13-201905-29-2019AutomobilePrivate PassengerCollisionClaim Handling
Policyholder Service
Coverage Question
Denial of Claim
Company Position Upheld
No Further Action Req/Rqd
UNITED SERVICES AUTOMOBILE ASSOCIATION
05-20-201908-08-2019AutomobilePrivate PassengerCollisionClaim HandlingDelayCompany Position Overturned
Company Position Upheld
Compromised Settlement/Resol.
PROGRESSIVE NORTHERN INSURANCE COMPANY
05-22-201906-21-2019AutomobilePrivate PassengerCollisionClaim HandlingDelayCompromised Settlement/Resol.
GEICO CASUALTY COMPANY
PROGRESSIVE DIRECT INSURANCE COMPANY
05-22-201906-10-2019AutomobilePrivate PassengerCollisionClaim HandlingDelay
Denial of Claim
Insufficient Information
Insufficient Information
GEICO Advantage Insurance Company
05-29-201906-20-2019AutomobilePrivate PassengerCollisionClaim HandlingDelayCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY
05-31-201906-26-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Complaint Withdrawn
NEVADA GENERAL INSURANCE COMPANY
05-31-201906-27-2019AutomobilePrivate PassengerCollisionClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
No Further Action Req/Rqd
ALLSTATE INSURANCE COMPANY
06-04-201906-05-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-05-201907-15-2019AutomobilePrivate PassengerCollisionClaim HandlingDelay
Unsatisfactory Settle Offer
Claim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-05-201906-12-2019AutomobilePrivate PassengerCollisionClaim HandlingDelay
Denial of Claim
Company Position Upheld
No Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-07-201906-28-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferContract Provision
No Further Action Req/Rqd
FARMERS INSURANCE EXCHANGE
06-17-201907-22-2019AutomobilePrivate PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
GEICO Secure Insurance Company
06-25-201907-24-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
06-26-201907-29-2019AutomobilePrivate PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
SHANNON, CLAUDIA MARIA
SHELTER MUTUAL INSURANCE COMPANY
04-12-201904-19-2019AutomobilePrivate PassengerCollision,LiabilityClaim Handling
Policyholder Service
Denial of Claim
Policy Delivery
No Further Action Req/Rqd
No Further Action Req/Rqd
NEVADA GENERAL INSURANCE COMPANY
04-29-201906-06-2019AutomobilePrivate PassengerCollision,Liability,ComprehensivePolicyholder ServiceCoverage QuestionCompany Position Upheld
LOYA INSURANCE COMPANY
04-01-201904-29-2019AutomobilePrivate PassengerComprehensiveClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
IDS PROPERTY CASUALTY INSURANCE COMPANY
04-09-201904-18-2019AutomobilePrivate PassengerComprehensiveClaim HandlingDelayCompromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
04-16-201905-07-2019AutomobilePrivate PassengerComprehensiveClaim HandlingDenial of ClaimCompany Position Upheld
Contract Provision
STATE FARM FIRE & CASUALTY COMPANY
04-18-201905-20-2019AutomobilePrivate PassengerComprehensiveClaim HandlingDelayNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY
05-17-201906-05-2019AutomobilePrivate PassengerComprehensiveClaim HandlingAdjuster HandlingClaim Settled
American European Insurance Company
05-21-201907-03-2019AutomobilePrivate PassengerComprehensiveClaim HandlingDenial of ClaimClaim Settled
GEICO Advantage Insurance Company
06-05-201906-28-2019AutomobilePrivate PassengerComprehensiveClaim HandlingAdjuster Handling
Delay
Company Position Upheld
No Further Action Req/Rqd
LOYA INSURANCE COMPANY
06-15-201907-19-2019AutomobilePrivate PassengerComprehensiveClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
GEICO Secure Insurance Company
06-26-201907-25-2019AutomobilePrivate PassengerComprehensiveClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS
06-26-201907-29-2019AutomobilePrivate PassengerComprehensiveClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
COAST NATIONAL INSURANCE COMPANY
04-01-201905-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Refund
Company Position Upheld
VIKING INSURANCE COMPANY OF WISCONSIN
04-01-201904-23-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
KLEYTMAN, ALEXANDER FRED
04-01-201904-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Notice/Billing
Company Position Upheld
ALLSTATE INSURANCE COMPANY
04-01-201904-09-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
04-01-201904-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium RefundCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY
04-01-201904-25-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
GEICO Advantage Insurance Company
04-01-201904-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
LIBERTY MUTUAL INSURANCE COMPANY
04-01-201904-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
FERGUSON LEAVITT INSURANCE AGENCY INC
STANDARD FIRE INSURANCE COMPANY (THE)
04-02-201905-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
MENDOTA INSURANCE COMPANY
04-02-201904-19-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
04-02-201904-25-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
04-02-201904-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-02-201904-11-2019AutomobilePrivate PassengerLiabilityUnderwritingCancellationCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-02-201904-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Unsatisfactory Settle Offer
No Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY
04-02-201905-07-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
GEICO Advantage Insurance Company
04-03-201904-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
SAFECO INSURANCE COMPANY OF ILLINOIS
04-03-201905-06-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster HandlingCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY
04-03-201904-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
04-04-201904-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
GEICO GENERAL INSURANCE COMPANY
04-04-201905-01-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
GEICO Advantage Insurance Company
04-04-201904-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
YOUNG AMERICA INSURANCE COMPANY
04-04-201905-09-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY
04-05-201905-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
KEY INSURANCE COMPANY
04-05-201904-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ACUITY A MUTUAL INSURANCE COMPANY
04-05-201905-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
SENTRY INSURANCE A MUTUAL COMPANY
04-05-201905-01-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
04-05-201905-01-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-05-201904-22-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
Compromised Settlement/Resol.
GARRISON PROPERTY AND CASUALTY
04-05-201904-25-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
04-06-201905-09-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
COUNTRY PREFERRED INSURANCE COMPANY
04-08-201904-19-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
NATIONAL DIRECT INSURANCE COMPANY
04-08-201904-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
COUNTRY PREFERRED INSURANCE COMPANY
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
MC FALL, JANET W
PICOTTE, JESSICA Y
04-08-201905-09-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceAbusive Service
Coverage Question
Compromised Settlement/Resol.
Referred for Disciplinary Act.
Referred to Another Department
MERCURY CASUALTY COMPANY
04-08-201906-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
VIKING INSURANCE COMPANY OF WISCONSIN
04-09-201904-25-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
KEY INSURANCE COMPANY
04-09-201904-18-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
ACE AMERICAN INSURANCE COMPANY
04-09-201905-08-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
Complaint Withdrawn
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
DURAN, WILLIAM S III
04-09-201904-15-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
GEICO GENERAL INSURANCE COMPANY
04-09-201905-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company
04-09-201905-14-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Company Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
04-10-201905-20-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
FARMERS INSURANCE EXCHANGE
04-10-201904-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingState SpecificNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY
04-10-201905-14-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium RefundCompany Position Upheld
PERMANENT GENERAL ASSURANCE CORPORATION
04-10-201905-06-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
American European Insurance Company
04-10-201904-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
CSAA General Insurance Company
04-11-201905-13-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
NATIONAL CASUALTY COMPANY
04-12-201904-24-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
KEY INSURANCE COMPANY
04-12-201904-30-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LIBERTY MUTUAL FIRE INSURANCE COMPANY
04-12-201905-06-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-12-201904-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY
04-12-201905-15-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company
04-12-201905-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY
04-13-201904-23-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
LM GENERAL INSURANCE COMPANY
04-15-201905-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingState SpecificNo Jurisdiction
PROGRESSIVE DIRECT INSURANCE COMPANY
04-15-201905-15-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Choice Insurance Company
04-15-201905-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company
04-15-201905-03-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-16-201904-26-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
USAA CASUALTY INSURANCE COMPANY
04-16-201905-16-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferInsufficient Information
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-16-201904-30-2019AutomobilePrivate PassengerLiabilityClaim Handling
Policyholder Service
Coverage Question
Denial of Claim
Company Position Upheld
EXPRESS INS LLC
PROGRESSIVE NORTHERN INSURANCE COMPANY
04-16-201905-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
KEY INSURANCE COMPANY
04-17-201904-19-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY
04-17-201905-06-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO GENERAL INSURANCE COMPANY
04-19-201905-17-2019AutomobilePrivate PassengerLiabilityUnderwritingCancellationCompany Position Upheld
KEY INSURANCE COMPANY
SSB INS SERVICES INC
04-19-201905-06-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
04-19-201905-01-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
04-19-201905-08-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
NU Car Rental
04-20-201905-20-2019AutomobilePrivate PassengerLiabilityMarketing & SalesMisrepresentationNo Jurisdiction
MADRIGAL-VALDOVINOS, CHRISTIAN GUADALUPE
PROGRESSIVE NORTHERN INSURANCE COMPANY
04-22-201905-28-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN NATIONAL GENERAL INSURANCE COMPANY
04-22-201905-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
GEICO Advantage Insurance Company
04-23-201905-13-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster HandlingInsufficient Information
KEY INSURANCE COMPANY
04-23-201906-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Denial of Claim
No Further Action Req/Rqd
GEICO Advantage Insurance Company
04-23-201905-14-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY
04-23-201905-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
No Further Action Req/Rqd
ALLSTATE INSURANCE COMPANY
04-23-201905-14-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY
04-25-201905-10-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Jurisdiction
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-25-201905-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster HandlingCompany Position Upheld
KEY INSURANCE COMPANY
04-26-201905-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-25-201905-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
HUMES, GLADYS
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-26-201905-16-2019AutomobilePrivate PassengerLiabilityMarketing & Sales
Policyholder Service
Premium Notice/Billing
Premiums Misquoted
Company Position Upheld
No Further Action Req/Rqd
KEY INSURANCE COMPANY
04-26-201905-15-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY
04-26-201906-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
USAA GENERAL INDEMNITY COMPANY
04-26-201905-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company
04-26-201906-05-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
04-29-201905-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
NATIONAL GENERAL INSURANCE COMPANY
04-29-201905-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Jurisdiction
GEICO Advantage Insurance Company
04-29-201905-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS
04-29-201905-23-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company
04-29-201905-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
FARMERS INSURANCE EXCHANGE
04-30-201905-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY
04-30-201905-31-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
ALLSTATE INDEMNITY COMPANY
04-30-201905-21-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY
05-01-201905-22-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-01-201905-31-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Shelter General Insurance Company
05-02-201905-16-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayInsufficient Information
AMERICAN ACCESS CASUALTY COMPANY
05-02-201905-31-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Denial of Claim
Company Position Overturned
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
05-02-201907-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-02-201905-23-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY
05-02-201905-30-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY
05-02-201905-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ACCEPTANCE CASUALTY INSURANCE COMPANY
05-03-201906-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
ENCOMPASS HOME AND AUTO INSURANCE COMPANY
05-03-201906-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Notice/Billing
Compromised Settlement/Resol.
NATIONAL GENERAL ASSURANCE COMPANY
05-05-201906-05-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN STATES PREFERRED INSURANCE COMPANY
05-07-201905-21-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY
05-07-201905-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
AUTO INS OF NEVADA INC
KEY INSURANCE COMPANY
05-07-201905-16-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
BRIDGESTONE RETAIL OPERATIONS
05-07-201905-21-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
FARMERS INSURANCE EXCHANGE
05-07-201905-29-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
TEACHERS INSURANCE COMPANY
05-07-201905-21-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
No Further Action Req/Rqd
American Family Mutual Insurance Company, S.I.
05-07-201905-24-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
GEICO Advantage Insurance Company
05-08-201905-23-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
HARTFORD INSURANCE COMPANY OF THE MIDWEST
05-08-201906-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-08-201905-23-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA CAPITAL INSURANCE COMPANY
05-08-201905-24-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY
05-08-201905-23-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimContract Provision
MERCURY CASUALTY COMPANY
STEADFAST INSURANCE COMPANY
YORK RISK SERVICES GROUP INC
05-08-201906-04-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Further Action Req/Rqd
No Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-08-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage Question
KEY INSURANCE COMPANY
05-08-201906-04-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-08-201905-09-2019AutomobilePrivate PassengerLiabilityClaim HandlingComparitive Negligence
Unsatisfactory Settle Offer
Company Position Upheld
No Jurisdiction
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-08-201905-21-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
DEPOSITORS INSURANCE COMPANY
05-08-201905-28-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
No Further Action Req/Rqd
NATIONAL DIRECT INSURANCE COMPANY
NEVADA GENERAL INSURANCE COMPANY
05-08-201907-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
NEVADA GENERAL INSURANCE COMPANY
05-09-201906-07-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-10-201906-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
UNITED SERVICES AUTOMOBILE ASSOCIATION
05-10-201906-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
American Family Insurance Company
05-11-201905-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
CSAA Fire & Casualty Insurance Company
LOYA INSURANCE COMPANY
05-13-201907-08-2019AutomobilePrivate PassengerLiabilityClaim Handling
Policyholder Service
Adjuster Handling
Coverage Question
Recoupment
State Specific
Company Position Upheld
Company Position Upheld
Insufficient Information
CSAA General Insurance Company
05-13-201908-09-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
AMERICAN ACCESS CASUALTY COMPANY
05-13-201906-05-2019AutomobilePrivate PassengerLiabilityClaim HandlingFraudNo Further Action Req/Rqd
VIKING INSURANCE COMPANY OF WISCONSIN
05-13-201906-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GARRISON PROPERTY AND CASUALTY
05-14-201906-20-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Overturned
No Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-14-201905-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FARMERS INSURANCE EXCHANGE
05-14-201906-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
MID-CENTURY INSURANCE COMPANY
05-15-201905-29-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium Notice/BillingCompromised Settlement/Resol.
LOYA INSURANCE COMPANY
05-15-201906-05-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
LOYA INSURANCE COMPANY
05-16-201906-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Denial of Claim
Claim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-16-201906-12-2019AutomobilePrivate PassengerLiabilityUnderwritingNonrenewalClaim Settled
CSAA General Insurance Company
05-16-201906-19-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
GEICO Choice Insurance Company
05-17-201906-18-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
GEICO Choice Insurance Company
05-17-201905-29-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
MERCURY CASUALTY COMPANY
05-17-201906-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
MERCURY CASUALTY COMPANY
05-17-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-17-201906-06-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company
05-17-201905-29-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium Notice/BillingCompromised Settlement/Resol.
American European Insurance Company
05-18-201906-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-18-201905-21-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
DIVISION OF INSURANCE
05-19-201905-20-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
GEICO Secure Insurance Company
05-20-201907-22-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimClaim Settled
Company Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-20-201906-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GARRISON PROPERTY AND CASUALTY
05-20-201906-19-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO CASUALTY COMPANY
05-21-201905-31-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE CASUALTY INSURANCE COMPANY
05-23-201905-24-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
GoAuto Insurance Company
05-23-201906-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
05-23-201905-30-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
VIKING INSURANCE COMPANY OF WISCONSIN
05-23-201906-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingSubrogation
Unsatisfactory Settle Offer
Company Position Upheld
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
05-23-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY
05-23-201905-24-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
AMICA MUTUAL INSURANCE COMPANY
PROGRESSIVE CASUALTY INSURANCE COMPANY
05-26-201905-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
No Jurisdiction
NEVADA GENERAL INSURANCE COMPANY
05-26-201906-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
No Jurisdiction
COAST NATIONAL INSURANCE COMPANY
05-28-201906-21-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INDEMNITY COMPANY
05-28-201906-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FARMERS INSURANCE EXCHANGE
05-29-201907-10-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
05-29-201906-07-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-29-201906-11-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Claim Settled
WESTERN GENERAL INSURANCE COMPANY
05-29-201906-20-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Claim Settled
No Further Action Req/Rqd
UNITED SERVICES AUTOMOBILE ASSOCIATION
05-29-201906-28-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
USAA CASUALTY INSURANCE COMPANY
05-29-201905-30-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionState Specific
American Family Mutual Insurance Company, S.I.
05-29-201906-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Freeway Insurance Services of the Southwest, Inc.
KEY INSURANCE COMPANY
05-29-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder Service
Underwriting
Cancellation
Coverage Question
Company Position Upheld
No Further Action Req/Rqd
LM GENERAL INSURANCE COMPANY
05-30-201906-27-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
VIKING INSURANCE COMPANY OF WISCONSIN
05-30-201906-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Secure Insurance Company
05-30-201906-26-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
TRAVELERS CASUALTY AND SURETY COMPANY
05-30-201906-11-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Jurisdiction
KEY INSURANCE COMPANY
05-30-201906-10-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
USAA CASUALTY INSURANCE COMPANY
05-30-201907-02-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayCompany Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS
05-30-201906-20-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
05-31-201907-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY
05-31-201906-05-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
05-31-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS
06-02-201906-19-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
06-02-201906-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY
06-03-201906-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY
06-03-201908-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionClaim Settled
PROGRESSIVE DIRECT INSURANCE COMPANY
06-03-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FARMERS INSURANCE EXCHANGE
06-03-201907-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium Notice/BillingCompany Position Upheld
No Further Action Req/Rqd
GEICO GENERAL INSURANCE COMPANY
06-03-201906-27-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
GEICO Secure Insurance Company
06-04-201906-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-04-201906-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-04-201907-01-2019AutomobilePrivate PassengerLiabilityPolicyholder Service
Underwriting
CLUE Reports
Coverage Question
Company Position Upheld
GEICO CASUALTY COMPANY
06-04-201906-07-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Jurisdiction
American Family Insurance Company
06-05-201907-03-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
MENDAKOTA INSURANCE COMPANY
06-05-201906-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-05-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Choice Insurance Company
06-05-201906-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
USAA CASUALTY INSURANCE COMPANY
06-06-201906-11-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferComplaint Withdrawn
VIKING INSURANCE COMPANY OF WISCONSIN
06-06-201906-26-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INSURANCE COMPANY
06-06-201906-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
KEY INSURANCE COMPANY
06-06-201907-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY
06-06-201907-09-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
FARMERS INSURANCE EXCHANGE
06-07-201906-07-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Jurisdiction
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-07-201906-25-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-07-201906-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
FAMILY INSURANCE STORE INC (THE)
KEY INSURANCE COMPANY
06-10-201907-01-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceAccess to Care
Coverage Question
Company Position Upheld
Company Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-10-201906-28-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-10-201906-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingState SpecificNo Further Action Req/Rqd
STANDARD FIRE INSURANCE COMPANY (THE)
06-10-201906-27-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
06-10-201906-24-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
American Family Insurance Company
06-10-201907-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY
06-10-201907-09-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-10-201906-21-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FINANCIAL PACIFIC INSURANCE COMPANY
06-11-201906-12-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
No Jurisdiction
HORACE MANN INSURANCE COMPANY
06-11-201906-28-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
PROGRESSIVE DIRECT INSURANCE COMPANY
06-11-201906-27-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster HandlingCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY
06-11-201907-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY
06-11-201906-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
KEY INSURANCE COMPANY
06-11-201907-08-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
GEICO CASUALTY COMPANY
06-11-201907-03-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
UNITED SERVICES AUTOMOBILE ASSOCIATION
06-12-201907-03-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
PROGRESSIVE DIRECT INSURANCE COMPANY
06-12-201907-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingComparitive NegligenceNo Further Action Req/Rqd
No Jurisdiction
ALLSTATE INDEMNITY COMPANY
06-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage Question
CSAA General Insurance Company
06-12-201907-02-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-12-201907-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-13-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle Offer
UNITED FINANCIAL CASUALTY COMPANY
06-13-201907-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Referred to Proper Agency
STATE OF NEVADA
06-13-201906-18-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceState SpecificNo Jurisdiction
Referred to Proper Agency
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-13-201907-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Denial of Claim
No Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
06-14-201907-19-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
KEY INSURANCE COMPANY
06-14-201907-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
FARMERS INSURANCE EXCHANGE
06-14-201907-09-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
COAST NATIONAL INSURANCE COMPANY
06-14-201907-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GOVERNMENT EMPLOYEES INSURANCE COMPANY
06-15-201907-01-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-17-201907-08-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium RefundCompromised Settlement/Resol.
IDS PROPERTY CASUALTY INSURANCE COMPANY
06-17-201907-22-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
KEY INSURANCE COMPANY
06-17-201907-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LOYA INSURANCE COMPANY
06-17-201907-17-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
COAST NATIONAL INSURANCE COMPANY
PISCIOTTA, DONALD JAY
06-17-201907-22-2019AutomobilePrivate PassengerLiabilityMarketing & SalesFraud/Forgery
Misstatement on Application
Other Violation of Ins Law
State Specific
No Further Action Req/Rqd
No Further Action Req/Rqd
GARRISON PROPERTY AND CASUALTY
06-17-201907-26-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceContinuity of CareCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY
06-18-201907-29-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium RefundNo Jurisdiction
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
06-18-201907-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY
06-18-201907-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
LM GENERAL INSURANCE COMPANY
06-18-201907-18-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Claim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-18-201907-19-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
06-19-201906-26-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
YOUNG AMERICA INSURANCE COMPANY
06-19-201907-19-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Unsatisfactory Settle Offer
Company Position Upheld
No Further Action Req/Rqd
American Family Mutual Insurance Company, S.I.
06-19-201906-20-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferComplaint Withdrawn
No Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-19-201907-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
STATE FARM FIRE & CASUALTY COMPANY
06-19-201907-24-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
GEICO Choice Insurance Company
06-20-201907-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY
06-20-201907-16-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelay
Denial of Claim
Insufficient Information
NEVADA GENERAL INSURANCE COMPANY
06-21-201907-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
LM GENERAL INSURANCE COMPANY
06-21-201908-07-2019AutomobilePrivate PassengerLiabilityUnderwritingNonrenewalContract Provision
ALLSTATE INDEMNITY COMPANY
06-22-201907-02-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LIBERTY MUTUAL FIRE INSURANCE COMPANY
06-24-201907-23-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster HandlingCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-24-201906-28-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company
06-24-201907-12-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-24-2019AutomobilePrivate PassengerLiabilityPolicyholder ServicePremium Refund
FINANCIAL INDEMNITY COMPANY
06-25-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Delay
No Further Action Req/Rqd
HERTZ CORPORATION
06-25-201906-27-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Jurisdiction
PROGRESSIVE DIRECT INSURANCE COMPANY
06-25-201907-25-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
SHELTER MUTUAL INSURANCE COMPANY
06-25-201907-29-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayClaim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-25-201907-22-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
GEICO Advantage Insurance Company
06-25-201907-24-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceInadequate Reimbursement/Rates
Invol Termination by Plan
Company Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
06-25-201908-07-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Jurisdiction
KEY INSURANCE COMPANY
06-26-201907-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
WHITMORE, BROOKS ELLIOT
06-26-201907-24-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
GEICO Advantage Insurance Company
06-26-201907-10-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY
06-27-201907-15-2019AutomobilePrivate PassengerLiabilityClaim HandlingDelayInsufficient Information
PROGRESSIVE DIRECT INSURANCE COMPANY
06-27-201907-30-2019AutomobilePrivate PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
AGENCY ONE NV
CSAA Fire & Casualty Insurance Company
06-27-201907-11-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
No Further Action Req/Rqd
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA
06-28-201907-17-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-27-201907-23-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
CARL WARREN & COMPANY OF NEVADA
CLAYSON, MICHAEL PAUL
06-28-201908-09-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Fraud
State Specific
No Further Action Req/Rqd
No Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-28-201907-25-2019AutomobilePrivate PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
American Family Insurance Company
06-30-201907-30-2019AutomobilePrivate PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-03-201905-29-2019AutomobilePrivate PassengerMedical PaymentsClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
ALLSTATE INSURANCE COMPANY
05-23-201907-26-2019AutomobilePrivate PassengerMedical PaymentsPolicyholder ServicePremium Notice/BillingCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
05-24-201906-12-2019AutomobilePrivate PassengerMedical PaymentsClaim HandlingDelayNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-28-201905-22-2019AutomobilePrivate PassengerRental ReimbursementClaim HandlingAdjuster HandlingCompany Position Upheld
No Further Action Req/Rqd
NATION MOTOR CLUB LLC
04-12-201904-24-2019AutomobilePrivate PassengerState SpecificClaim HandlingUnsatisfactory Settle OfferCompany Position Overturned
STATE FARM FIRE & CASUALTY COMPANY
04-18-201905-08-2019AutomobilePrivate PassengerUn/Under Insured MotoristClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
04-30-201905-03-2019AutomobilePrivate PassengerUn/Under Insured MotoristClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
05-15-201905-17-2019AutomobilePrivate PassengerUn/Under Insured MotoristClaim HandlingDelayCompany Position Upheld
No Further Action Req/Rqd
FARMERS INSURANCE EXCHANGE
05-23-201907-17-2019AutomobilePrivate PassengerUn/Under Insured MotoristUnderwritingEndorsement / RiderNo Further Action Req/Rqd
PROGRESSIVE DIRECT INSURANCE COMPANY
06-10-201907-17-2019AutomobilePrivate PassengerUn/Under Insured MotoristUnderwritingPremium & RatingNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
06-26-201907-16-2019AutomobilePrivate PassengerUn/Under Insured Motorist,LiabilityClaim HandlingAdjuster HandlingNo Further Action Req/Rqd
GEICO CASUALTY COMPANY
05-16-201905-17-2019AutomobilePrivate PassengerClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
FOX RENT A CAR INC
04-05-201905-06-2019AutomobileRentalLiabilityClaim HandlingAdjuster Handling
Delay
Claim Settled
CONSTITUTION STATE SERVICES LLC (TPA)
05-23-201906-06-2019AutomobileState SpecificClaim HandlingDelayNo Further Action Req/Rqd
BURLINGTON INSURANCE COMPANY (THE)
FLUD INSURANCE & BUSINESS MANAGMENT
FLUD, MARY MARGARET
RIVERPORT INSURANCE COMPANY
04-11-201906-05-2019Fire, Allied Lines & CMPCommercial Multi-PerilMarketing & Sales
Policyholder Service
Coverage Question
Fiduciary
Fraud/Forgery
Misappropriation of Premium
Misrepresentation
Other Violation of Ins Law
State Specific
Company Position Upheld
Company Position Upheld
Referred for Disciplinary Act.
Referred for Disciplinary Act.
LIBERTY INSURANCE CORPORATION
04-14-201905-20-2019HomeownersCondo/TownFire - Real PropertyClaim HandlingDelay
Denial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
Compromised Settlement/Resol.
No Further Action Req/Rqd
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY
04-22-201905-22-2019HomeownersCondo/TownFloodClaim HandlingDelayCompany Position Upheld
MID-CENTURY INSURANCE COMPANY
04-02-201905-02-2019HomeownersCondo/TownLiabilityClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
ATHENS INSURANCE SERVICE, INC.
ENGLE MARTIN & ASSOCIATES, LLC
HARCO NATIONAL INSURANCE COMPANY
04-24-201906-18-2019HomeownersCondo/TownLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
04-10-201905-02-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
Contract Provision
No Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY
04-16-201905-13-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDelay
Unsatisfactory Settle Offer
Claim Settled
STATE FARM FIRE & CASUALTY COMPANY
04-17-201905-07-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDelayNo Further Action Req/Rqd
LIBERTY INSURANCE CORPORATION
04-22-201905-08-2019HomeownersHomeownersFire - Real PropertyUnderwritingCLUE ReportsCompany Position Overturned
No Further Action Req/Rqd
AMERICAN RELIABLE INSURANCE COMPANY
04-22-201905-10-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDenial of ClaimCompany Position Upheld
No Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY
04-23-201905-15-2019HomeownersHomeownersFire - Real PropertyClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
Contract Provision
Clear Blue Insurance Company
05-31-201906-14-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDenial of ClaimClaim Settled
No Further Action Req/Rqd
AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY
06-11-201906-24-2019HomeownersHomeownersFire - Real PropertyClaim HandlingUnsatisfactory Settle OfferClaim Settled
ALLSTATE INSURANCE COMPANY
06-11-201907-02-2019HomeownersHomeownersFire - Real PropertyPolicyholder ServiceState SpecificInsufficient Information
No Further Action Req/Rqd
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY
06-19-201908-07-2019HomeownersHomeownersFire - Real PropertyClaim HandlingDelay
Denial of Claim
Company Position Upheld
No Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY
04-03-201904-23-2019HomeownersHomeownersFloodClaim HandlingDenial of ClaimCompany Position Upheld
LM INSURANCE CORPORATION
04-05-201905-08-2019HomeownersHomeownersFloodClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
SHELTER MUTUAL INSURANCE COMPANY
04-29-201905-31-2019HomeownersHomeownersFloodClaim HandlingDenial of ClaimCompany Position Upheld
ALLSTATE INDEMNITY COMPANY
05-20-201906-04-2019HomeownersHomeownersFloodClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
AMERICAN HOME SHIELD OF NEVADA INC
STATE FARM GENERAL INSURANCE COMPANY
05-29-201906-11-2019HomeownersHomeownersFloodClaim HandlingDenial of ClaimContract Provision
Contract Provision
CSAA Fire & Casualty Insurance Company
05-29-201906-12-2019HomeownersHomeownersFloodClaim HandlingAdjuster HandlingNo Further Action Req/Rqd
SAFECO INSURANCE COMPANY OF AMERICA
05-31-201907-01-2019HomeownersHomeownersFloodClaim HandlingDenial of ClaimCompany Position Upheld
HOMESITE INDEMNITY COMPANY
06-07-201907-05-2019HomeownersHomeownersFloodClaim HandlingDelayCompromised Settlement/Resol.
Clear Blue Insurance Company
NORTH AMERICAN RISK SERVICES, INC.
SWYFFT LLC
06-10-201906-26-2019HomeownersHomeownersFloodClaim HandlingDelayCompromised Settlement/Resol.
ALLSTATE INSURANCE COMPANY
06-11-201906-25-2019HomeownersHomeownersFloodClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
SAFECO INSURANCE COMPANY OF AMERICA
06-22-201907-30-2019HomeownersHomeownersFloodClaim HandlingDelayCompromised Settlement/Resol.
CSAA General Insurance Company
04-04-201905-01-2019HomeownersHomeownersLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
FARMERS INSURANCE EXCHANGE
04-09-201905-07-2019HomeownersHomeownersLiabilityClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
STATE FARM FIRE & CASUALTY COMPANY
04-12-201908-12-2019HomeownersHomeownersLiabilityClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
FIRE INSURANCE EXCHANGE FIRE UNDERWRITERS ASSOCIATION
04-30-201905-13-2019HomeownersHomeownersLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ESURANCE INSURANCE COMPANY
05-11-201905-14-2019HomeownersHomeownersLiabilityPolicyholder ServicePremium Notice/BillingContract Provision
SAFECO INSURANCE COMPANY OF AMERICA
WILLIAMS, REX M
05-15-201906-28-2019HomeownersHomeownersLiabilityPolicyholder ServiceCoverage Question
Policy Delivery
Premium Notice/Billing
Company Position Upheld
Company Position Upheld
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY
05-22-201906-13-2019HomeownersHomeownersLiabilityUnderwritingPremium & RatingCompany Position Upheld
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY
05-24-201906-20-2019HomeownersHomeownersLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
QBE INSURANCE CORPORATION
05-30-201906-28-2019HomeownersHomeownersLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
American Family Insurance Company
05-31-201907-01-2019HomeownersHomeownersLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
STATE FARM FIRE & CASUALTY COMPANY
06-03-201906-21-2019HomeownersHomeownersLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
LEGACY INS GROUP
NATIONAL GENERAL INSURANCE COMPANY
TRAVELERS HOME AND MARINE INSURANCE COMPANY( THE)
06-12-201907-16-2019HomeownersHomeownersLiabilityMarketing & Sales
Policyholder Service
Coverage Question
State Specific
Company Position Upheld
Company Position Upheld
Compromised Settlement/Resol.
STATE FARM FIRE & CASUALTY COMPANY
06-24-201907-12-2019HomeownersHomeownersLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
06-25-201908-07-2019HomeownersHomeownersLiabilityClaim HandlingAdjuster Handling
Delay
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
LIBERTY INSURANCE CORPORATION
04-11-201905-02-2019HomeownersHomeownersPersonal PropertyClaim HandlingDenial of ClaimCompany Position Upheld
No Further Action Req/Rqd
HOMESITE INSURANCE COMPANY
05-08-201906-03-2019HomeownersHomeownersPersonal PropertyClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
SAFECO INSURANCE COMPANY OF AMERICA
05-19-201906-06-2019HomeownersHomeownersPersonal PropertyClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
FARMERS INSURANCE EXCHANGE
06-26-201908-12-2019HomeownersHomeownersPersonal PropertyClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
TRUMBULL INSURANCE COMPANY
04-24-201905-08-2019HomeownersHomeownersState SpecificClaim Handling
Underwriting
State SpecificCompany Position Overturned
STATE FARM FIRE & CASUALTY COMPANY
05-20-201906-10-2019HomeownersHomeownersState SpecificClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY
05-28-201906-12-2019HomeownersHomeownersState SpecificUnderwritingCancellationNo Further Action Req/Rqd
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY
06-13-201907-03-2019HomeownersHomeownersState SpecificClaim HandlingDenial of ClaimCompany Position Upheld
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
04-09-201905-14-2019HomeownersHomeownersTheftClaim HandlingDelay
Unsatisfactory Settle Offer
Company Position Upheld
TRAVELERS HOME AND MARINE INSURANCE COMPANY( THE)
05-06-201905-22-2019HomeownersHomeownersTheftClaim HandlingDenial of ClaimCompromised Settlement/Resol.
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD
04-23-201905-24-2019HomeownersHomeownersWindstormClaim HandlingAdjuster Handling
Delay
Unsatisfactory Settle Offer
Claim Settled
LM INSURANCE CORPORATION
06-12-201907-16-2019HomeownersHomeownersWindstorm,FloodClaim HandlingAdjuster Handling
Delay
No Further Action Req/Rqd
SAFECO INSURANCE COMPANY OF AMERICA
04-08-201905-08-2019HomeownersHomeownersPolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
American Family Mutual Insurance Company, S.I.
04-12-201905-13-2019HomeownersHomeownersUnderwritingNonrenewalCompany Position Upheld
Contract Provision
No Further Action Req/Rqd
HOMESITE INDEMNITY COMPANY
04-12-201905-02-2019HomeownersHomeownersClaim HandlingDenial of ClaimCompany Position Upheld
Contract Provision
No Further Action Req/Rqd
USAA CASUALTY INSURANCE COMPANY
04-30-201905-17-2019HomeownersHomeownersClaim HandlingAdjuster Handling
Denial of Claim
No Jurisdiction
AMERICAN STRATEGIC INSURANCE CORP
05-13-201905-28-2019HomeownersHomeownersClaim HandlingDenial of ClaimState Specific
HOMESITE INDEMNITY COMPANY
06-19-201907-17-2019HomeownersHomeownersPolicyholder ServiceDelays / No ResponseCompany Position Upheld
Clear Blue Insurance Company
06-29-201907-26-2019HomeownersHomeownersClaim HandlingDelayCompany Position Overturned
American Modern Property and Casualty Insurance Company
06-27-201907-15-2019HomeownersMobile HomeownerFloodClaim HandlingDenial of ClaimCompany Position Upheld
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN
06-06-201907-10-2019HomeownersMobile HomeownerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
AMERICAN STRATEGIC INSURANCE CORP
05-09-201907-02-2019HomeownersMobile HomeownerMarketing & SalesState SpecificCompromised Settlement/Resol.
CSAA Fire & Casualty Insurance Company
04-30-201905-15-2019HomeownersRenters/TenantsFire - Real PropertyClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
Compromised Settlement/Resol.
No Further Action Req/Rqd
LIBERTY INSURANCE CORPORATION
05-21-201905-30-2019HomeownersRenters/TenantsFire - Real PropertyClaim HandlingPost Claim UnderwritingNo Further Action Req/Rqd
Lemonade Insurance Company
06-13-201906-26-2019HomeownersRenters/TenantsPersonal PropertyClaim HandlingDenial of ClaimNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY
04-08-201905-03-2019HomeownersRenters/TenantsClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Company Position Upheld
AMERICAN STRATEGIC INSURANCE CORP
05-07-201905-29-2019HomeownersRenters/TenantsClaim HandlingDenial of ClaimCompany Position Upheld
Lemonade Insurance Company
06-27-201907-16-2019HomeownersRenters/TenantsClaim HandlingAdjuster HandlingCompany Position Upheld
COLONY INSURANCE COMPANY
KEATING, INC
MARKEL INSURANCE COMPANY
NATIONAL CASUALTY COMPANY
PROVENCE FINANCIAL & INSURANCE SERVICES
RSUI INDEMNITY COMPANY
STANDARD FIRE INSURANCE COMPANY (THE)
WEGENER INSURANCE AGENCY
04-02-201906-04-2019LiabilityCommercialPolicyholder ServiceCoverage Question
Premium Notice/Billing
Premium Refund
State Specific
Claim Settled
Claim Settled
Claim Settled
Company Position Upheld
Company Position Upheld
Company Position Upheld
Company Position Upheld
State Specific
ALLIANT INSURANCE SERVICES INC
Westchester Fire Insurance Company
05-30-2019LiabilityGeneralEmployment PolicyClaim Handling
Marketing & Sales
Denial of Claim
Misrepresentation
Company Position Upheld
Company Position Upheld
JAIMES, ELIZABETH
SCOTTSDALE INSURANCE COMPANY
TAPCO INSURANCE SERVICES
04-02-201904-11-2019LiabilityGeneralPolicyholder ServiceCoverage Question
Premium Refund
Company Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
LUCKADOO INSURANCE SERVICES, LLC
LUCKADOO, DONALD E
04-08-201906-06-2019LiabilityGeneralPolicyholder ServicePremium RefundReferred for Disciplinary Act.
Referred for Disciplinary Act.
AMERICAN RELIABLE INSURANCE COMPANY
EARY, CARRIE R
04-22-201905-31-2019LiabilityGeneralClaim Handling
Policyholder Service
Coverage Question
Denial of Claim
Company Position Upheld
No Further Action Req/Rqd
PHILADELPHIA INDEMNITY INSURANCE COMPANY
06-10-201907-15-2019LiabilityGeneralClaim HandlingDelayCompany Position Upheld
GEICO Advantage Insurance Company
05-28-201906-27-2019LiabilityUmbrellaPolicyholder ServiceCoverage Question
Policy Delivery
Company Position Overturned
AMERICAN NATIONAL INSURANCE COMPANY
05-30-201907-01-2019Life & AnnuityAnnuitiesEquity IndexedPolicyholder ServiceDelays / No ResponseCompromised Settlement/Resol.
DECORTE, CHRISTINE JOAN
PRESTIGE INSURANCE SERVICES LLC
05-24-201908-09-2019Life & AnnuityAnnuitiesFixedMarketing & SalesMisrepresentationInsufficient Information
JACKSON NATIONAL LIFE INSURANCE COMPANY
06-17-201908-01-2019Life & AnnuityAnnuitiesTermPolicyholder ServiceCash Value
Surrender Problems
No Further Action Req/Rqd
SAGICOR LIFE INSURANCE COMPANY
SANCHEZ, STEVE MICHAEL
04-03-201905-15-2019Life & AnnuityAnnuitiesMarketing & SalesMisrepresentationCompany Position Upheld
Company Position Upheld
CLARK COUNTY SCHOOL DISTRICT
05-01-201905-31-2019Life & AnnuityGroupTermPolicyholder ServiceCoverage QuestionNo Jurisdiction
STANDARD INSURANCE COMPANY
TEACHERS HEALTH TRUST
05-13-201905-14-2019Life & AnnuityGroupTermUnderwritingCancellationNo Jurisdiction
No Jurisdiction
SCHOOL ADMINISTRATORS AND PROFESSIONAL-TECHNICAL EMPLOYEES WELFARE TRUST
05-20-201906-20-2019Life & AnnuityGroupTermPolicyholder ServiceCoverage QuestionNo Jurisdiction
SCHOOL ADMINISTRATORS AND PROFESSIONAL-TECHNICAL EMPLOYEES WELFARE TRUST
05-24-201906-21-2019Life & AnnuityGroupTermPolicyholder ServiceInvol Termination by PlanNo Jurisdiction
LINCOLN NATIONAL LIFE INSURANCE COMPANY
04-17-201905-16-2019Life & AnnuityGroupClaim HandlingDenial of ClaimNo Jurisdiction
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA
05-30-201906-27-2019Life & AnnuityIndividualAccidental Death & DismembrmntUnderwritingCancellationCompromised Settlement/Resol.
BIANCHI, DAVID B
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY
04-16-201905-07-2019Life & AnnuityIndividualState SpecificPolicyholder Service
Underwriting
State SpecificNo Further Action Req/Rqd
SHAW, SHIRLEY C
06-26-201908-09-2019Life & AnnuityIndividualState SpecificMarketing & SalesState SpecificNo Further Action Req/Rqd
AMERICAN NATIONAL INSURANCE COMPANY
04-23-201906-11-2019Life & AnnuityIndividualTermPolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
PRUCO LIFE INSURANCE COMPANY
06-14-201907-18-2019Life & AnnuityIndividualTermClaim HandlingDelayClaim Settled
TRANSAMERICA LIFE INSURANCE COMPANY
05-24-201905-29-2019Life & AnnuityIndividualTerm,State SpecificPolicyholder ServicePremium Notice/BillingNo Jurisdiction
METROPOLITAN LIFE INSURANCE COMPANY
06-03-201906-04-2019Life & AnnuityIndividualTerm,State SpecificClaim HandlingDelay
Denial of Claim
No Jurisdiction
TCS E-SERVE INTERNATIONAL LIMITED
TRANSAMERICA LIFE INSURANCE COMPANY
05-16-201906-19-2019Life & AnnuityIndividualUniversal - Non-VariablePolicyholder ServiceCoverage Question
Premium Notice/Billing
Company Position Upheld
No Further Action Req/Rqd
UNION SECURITY INSURANCE COMPANY
06-12-201907-15-2019Life & AnnuityIndividualVariablePolicyholder ServiceCoverage Question
Delays / No Response
Policy Delivery
Premium Notice/Billing
Company Position Upheld
GERBER LIFE INSURANCE COMPANY
04-09-201905-08-2019Life & AnnuityIndividualWhole LifeClaim HandlingDelayCompany Position Upheld
PRUDENTIAL INSURANCE COMPANY OF AMERICA
04-18-201905-20-2019Life & AnnuityIndividualWhole LifePolicyholder ServiceCash ValueCompany Position Upheld
PERDUN, KATELYN M
SIAS-LYKE, JENNIFER LYNN
STATE FARM FIRE & CASUALTY COMPANY
STATE FARM LIFE INSURANCE COMPANY
05-01-201905-29-2019Life & AnnuityIndividualWhole LifeMarketing & Sales
Policyholder Service
Coverage Question
Misrepresentation
Policy Delivery
State Specific
Company Position Upheld
Company Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
JACKSON NATIONAL LIFE INSURANCE COMPANY
05-29-2019Life & AnnuityIndividualMarketing & SalesSuitability
FIDELITY INVESTMENTS LIFE INSURANCE COMPANY
FIDELITY LIFE AND HEALTH
04-10-201905-17-2019Life & AnnuityState SpecificMarketing & SalesHigh Pressure TacticsNo Further Action Req/Rqd
No Further Action Req/Rqd
DAD'S BAIL BONDS LLC
EBARB, VINCENT E
FINANCIAL CASUALTY & SURETY INC
04-20-201906-21-2019MiscellaneousBail BondsPolicyholder ServiceState SpecificCompany Position Upheld
Referred for Disciplinary Act.
Referred for Disciplinary Act.
ELKO BAIL BONDS
05-06-201905-10-2019MiscellaneousBail BondsPolicyholder ServiceAbusive ServiceNo Jurisdiction
AMERICAN CONTRACTORS INDEMNITY COMPANY
E-BAIL, LLC
06-14-201907-15-2019MiscellaneousBail BondsPolicyholder ServiceState SpecificCompany Position Upheld
No Further Action Req/Rqd
BAIL BONDS UNLIMITED LLC
CRUM & FORSTER INDEMNITY COMPANY
06-14-201907-17-2019MiscellaneousBail BondsPolicyholder ServiceState SpecificCompany Position Upheld
No Further Action Req/Rqd
ALLEGHENY CASUALTY COMPANY
GOODFELLAS BAIL BONDS INC
06-19-201908-05-2019MiscellaneousBail BondsPolicyholder ServiceState SpecificCompany Position Upheld
No Further Action Req/Rqd
911 BAIL BONDS INC
FINANCIAL CASUALTY & SURETY INC
06-28-201907-25-2019MiscellaneousBail BondsPolicyholder ServiceState SpecificCompany Position Upheld
Company Position Upheld
AMERICAN GUARDIAN WARRANTY SERVICES INC
04-08-201905-02-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimNo Further Action Req/Rqd
Referred to Proper Agency
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
04-10-201905-15-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimContract Provision
AMERICAN AUTO SHIELD LLC
CARCHEX
04-10-201905-24-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompany Position Upheld
Company Position Upheld
OLD REPUBLIC HOME PROTECTION COMPANY INC
04-11-201904-15-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimClaim Settled
AMERICAN HOME SHIELD CORPORATION
04-22-201905-03-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
AMERICAN HOME SHIELD CORPORATION
04-25-201905-06-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimClaim Settled
OLD REPUBLIC HOME PROTECTION COMPANY INC
04-25-201905-16-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
SENSIBLE HOME WARRANTY LLC
04-26-201904-29-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDelayNo Jurisdiction
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
04-28-201905-31-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompany Position Upheld
CARSHIELD LLC
UNITED CAR CARE INC
05-01-201906-25-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimContract Provision
AMERICAN HOME SHIELD OF NEVADA INC
05-01-201905-09-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompany Position Upheld
HMS HOME WARRANTY
HOMESURE OF AMERICA INC
05-04-201906-03-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDelayClaim Re-opened
Referred for Disciplinary Act.
UNITED CAR CARE INC
05-05-201906-25-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimContract Provision
AMERICAN HOME SHIELD CORPORATION
05-07-201905-23-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN HOME SHIELD CORPORATION
05-13-201906-13-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingState SpecificClaim Settled
AMERICAN HOME SHIELD CORPORATION
05-13-201905-23-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimContract Provision
AMERICAN HOME SHIELD CORPORATION
05-18-201906-04-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompromised Settlement/Resol.
AMERICAN AUTO SHIELD LLC
05-18-201906-20-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimContract Provision
No Further Action Req/Rqd
AMERICAN HOME SHIELD CORPORATION
05-23-201906-05-2019MiscellaneousExtd Warranty & Serv ContractsPolicyholder ServiceCoverage Question
Premium Refund
Claim Settled
FIRST AMERICAN HOME WARRANTY CORPORATION
05-29-201906-24-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingAdjuster Handling
Delay
No Jurisdiction
TOTAL HOME PROTECTION
TOTAL HOME SHIELD OF NEVADA, INC.
05-30-201906-26-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimReferred for Disciplinary Act.
Referred for Disciplinary Act.
ENDURANCE DEALER SERVICES LLC
06-03-201906-07-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingAdjuster Handling
Denial of Claim
Company Position Upheld
AMERICAN HOME SHIELD CORPORATION
06-04-201906-19-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompany Position Upheld
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
06-08-201907-01-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompany Position Upheld
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
06-13-201907-22-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompromised Settlement/Resol.
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
06-13-201906-18-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDelayCompromised Settlement/Resol.
PRESTIGECHRYSLER JEEP DODGE
06-17-201906-17-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimNo Jurisdiction
Referred to Proper Agency
AMERICAN HOME SHIELD CORPORATION
06-17-201907-17-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDelayClaim Settled
Compromised Settlement/Resol.
AMERICAN HOME SHIELD CORPORATION
06-20-201907-23-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDelayClaim Settled
JOHNSON CONTROLS INC
06-20-201907-23-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingDenial of ClaimCompromised Settlement/Resol.
UNITED SERVICE PROTECTION CORPORATION
06-25-201907-24-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingUnsatisfactory Settle OfferContract Provision
TOTAL HOME PROTECTION
TOTAL HOME SHIELD OF NEVADA, INC.
06-25-201908-06-2019MiscellaneousExtd Warranty & Serv ContractsClaim HandlingAdjuster Handling
Delay
Denial of Claim
No Further Action Req/Rqd
Referred for Disciplinary Act.
AMERICAN HOME SHIELD CORPORATION
06-27-201907-24-2019MiscellaneousExtd Warranty & Serv ContractsPolicyholder ServicePremium Refund
Surrender Problems
Claim Settled
HOME WARRANTY ADMINISTRATOR OF NEVADA, INC. DBA CHOICE HOME WARRANTY
06-05-201906-21-2019MiscellaneousFederal CropClaim HandlingDenial of ClaimCompany Position Upheld
OHIO CASUALTY INSURANCE COMPANY
05-02-201906-03-2019MiscellaneousFidelity & SuretyPolicyholder ServiceCoverage Question
Premium Notice/Billing
Claim Settled
STATE OF NEVADA
04-01-201904-03-2019MiscellaneousState SpecificPolicyholder ServiceState SpecificNo Jurisdiction
SAPOWITH, BRETT ANDREW
04-06-201904-10-2019MiscellaneousState SpecificPolicyholder ServiceState SpecificNo Further Action Req/Rqd
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
04-26-201905-28-2019MiscellaneousState SpecificPolicyholder ServicePayment Not CreditedCompany Position Upheld
No Further Action Req/Rqd
DIVISION OF INSURANCE
05-30-201905-30-2019MiscellaneousState SpecificMarketing & SalesState SpecificNo Further Action Req/Rqd
KALLFELZ, STACY
TICOR TITLE OF NEVADA INC
04-01-201904-08-2019MiscellaneousTitlePolicyholder ServicePayment Not Credited
State Specific
No Further Action Req/Rqd
No Further Action Req/Rqd
TICOR TITLE OF NEVADA INC
04-24-201904-30-2019MiscellaneousTitlePolicyholder ServiceState SpecificClaim Settled
SERVICELINK TITLE AGENCY, INC
05-14-201907-03-2019MiscellaneousTitlePolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
WFG NATIONAL TITLE INSURANCE COMPANY
05-20-201906-21-2019MiscellaneousTitlePolicyholder ServicePayment Not CreditedCompromised Settlement/Resol.
FIRST AMERICAN TITLE INSURANCE COMPANY
06-11-201907-30-2019MiscellaneousTitleMarketing & SalesMisstatement on Application
Other Violation of Ins Law
No Further Action Req/Rqd
NEXTITLE LAS VEGAS, LLC
06-20-2019MiscellaneousTitle
GENERALI - U.S. BRANCH
05-07-201906-03-2019MiscellaneousTravelClaim HandlingDelayNo Further Action Req/Rqd
WORLD TRAVEL ASSIST LLC
WORLD TRAVEL HOLDINGS INC
05-07-201906-05-2019MiscellaneousTravelClaim HandlingDelayCompromised Settlement/Resol.
DIVISION OF INSURANCE
06-19-201906-24-2019MiscellaneousTravelClaim HandlingUnsatisfactory Settle OfferInsufficient Information
STATE FARM FIRE & CASUALTY COMPANY
04-23-201905-07-2019MiscellaneousWatercraftClaim HandlingUnsatisfactory Settle OfferClaim Settled
Company Position Overturned
GEICO Marine Insurance Company
04-26-201905-22-2019MiscellaneousWatercraftPolicyholder ServiceCoverage QuestionCompany Position Upheld
NORMAN SPENCER AGENCY INC
STATE NATIONAL INSURANCE COMPANY INC
05-29-201907-08-2019MiscellaneousWatercraftClaim Handling
Policyholder Service
Adjuster Handling
Coverage Question
Delay
State Specific
Company Position Upheld
No Further Action Req/Rqd
STATE OF NEVADA
04-01-201904-02-2019MiscellaneousWorker's CompensationPolicyholder ServiceState SpecificNo Jurisdiction
ZURICH AMERICAN INSURANCE COMPANY
04-21-201904-30-2019MiscellaneousWorker's CompensationClaim HandlingDenial of ClaimNo Jurisdiction
XL Group
04-30-201905-08-2019MiscellaneousWorker's CompensationClaim HandlingDelayNo Jurisdiction
EMPLOYERS PREFERRED INSURANCE COMPANY
05-06-201906-03-2019MiscellaneousWorker's CompensationPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
CAROLINA CASUALTY INSURANCE COMPANY
05-08-201906-19-2019MiscellaneousWorker's CompensationUnderwritingAudit Dispute
Premium & Rating
State Specific
Company Position Upheld
RIVERPORT INSURANCE COMPANY
05-08-201906-11-2019MiscellaneousWorker's CompensationPolicyholder ServiceCoverage Question
Premium Notice/Billing
Company Position Upheld
EMPLOYERS PREFERRED INSURANCE COMPANY
05-21-201906-07-2019MiscellaneousWorker's CompensationPolicyholder ServiceCoverage QuestionCompany Position Upheld
Berkley Risk Administrators Co LLC
RIVERPORT INSURANCE COMPANY
05-24-201906-10-2019MiscellaneousWorker's CompensationPolicyholder ServicePremium RefundCompromised Settlement/Resol.
AUTOMATIC DATA PROCESSING INS AGENCY INC
COMMERCE AND INDUSTRY INSURANCE COMPANY
LM INSURANCE CORPORATION
06-12-201907-16-2019MiscellaneousWorker's CompensationPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
No Further Action Req/Rqd
DIVISION OF INSURANCE
06-28-201907-02-2019MiscellaneousWorker's CompensationClaim HandlingDenial of ClaimNo Jurisdiction
BENJAMIN, DAVID AARON
06-18-2019
IZMAGRISTO, YEHUDA
06-24-2019

– Nevada Car Insurance Rates by Company

CompanyAverageCompared to State AveragePercent Difference Compared to State Average
Allstate F&C$5,372.21$571.1710.63%
American Family Mutual$5,439.95$638.9211.74%
Mid-Century Ins Co$5,589.91$788.8714.11%
Geico Cas$3,660.03-$1,141.00-31.17%
Safeco Ins Co of IL$6,209.68$1,408.6422.68%
Depositors Insurance$3,474.93-$1,326.10-38.16%
Progressive Direct$4,048.92-$752.12-18.58%
State Farm Mutual Auto$5,792.85$991.8117.12%
Travelers Home & Marine Ins Co$5,349.64$548.6010.25%
USAA$3,072.26-$1,728.78-56.27%

– Commute Rates by Companies

A factor you might not even think about that could affect your insurance rates is how far you commute.

Depending on the company, the farther you travel on a typical basis, the more you pay.

Group10 miles commute / 6000 annual mileage25 miles commute / 12000 annual mileage
Allstate$5,372.21$5,372.21
American Family$5,365.30$5,514.60
Farmers$5,589.91$5,589.91
Geico$3,595.74$3,724.32
Liberty Mutual$6,209.68$6,209.68
Nationwide$3,474.93$3,474.93
Progressive$4,048.92$4,048.92
State Farm$5,620.99$5,964.71
Travelers$5,349.64$5,349.64
USAA$3,031.47$3,113.04

Luckily for Nevada citizens, most providers don’t charge for longer commutes.

– Coverage Level Rates by Companies

Who likes to pay for more to get less? No one that’s who! But did you know that you could actually be paying more for a coverage option that doesn’t cover you as well?

GroupHigh CoverageMedium CoverageLow Coverage
Allstate$5,996.34$5,459.03$4,661.25
American Family$5,393.25$5,761.62$5,164.99
Farmers$6,228.36$5,520.67$5,020.70
Geico$4,158.52$3,569.08$3252.50
Liberty Mutual$6,860.63$6,130.66$5,637.73
Nationwide$3,555.75$3,472.59$3,396.47
Progressive$4,747.61$3,891.68$3,507.46
State Farm$6,335.31$5,770.83$5,272.40
Travelers$5,871.04$5,367.41$4,810.46
USAA$3,452.99$3,040.54$2,723.24

As you can see from the table above, a low coverage plan with Farmers would cost you $5,020.70, while a high coverage option with Geico would only cost you $4,158.52.

That means you’d be paying $862.18 more for a coverage level plan that doesn’t protect you as well.

This is why is it critical that you compare insurance rates when you are shopping for your policy.

– Credit History Rates by Companies

Just like how you want to know what an insurance provider’s financial health looks like, they also want to know what your financial health is like as well.

At the end of the day, they’re still a business. So they want to make sure you have the best coverage for yourself, but they also want to make sure you also will pay them for this coverage.

If you have a poor credit history, the chances of your insurance rates being much higher are pretty likely. If you have a good credit history, the chances of having a much lower insurance rate are pretty high.

GroupGood CreditFair CreditPoor Credit
Allstate$4,203.10$4,948.32$6,965.19
American Family$4,447.03$5,149.36$6,723.48
Farmers$4,947.61$5,259.25$6,562.87
Geico$2,906.32$3,660.03$4,413.75
Liberty Mutual$4,254.31$5,442.36$8,932.36
Nationwide$2,935.04$3,385.24$4,104.51
Progressive$3,721.17$3,982.49$4,443.10
State Farm$2,650.28$4,161.60$10,566.65
Travelers$4,952.60$5,245.45$5,850.87
USAA$2,169.22$2,650.41$4,397.15

Allstate alone, for instance, has insurance rates for good credit histories at $4,203.10 but has insurance rates of $6,965.19 for poor credit histories. That’s a difference of $2,762.09‬.

So one way to keep yourself from having to pay this large gap is to ensure that you keep on top of your credit history.

– Driving Record Rates by Companies

Kind of like how insurance companies like to know what your financial health is like, they also want to know what your driving record is like.

The better of a driver you are, the less you tend to pay as insurance providers see you as less of a wild card.

The worse your driving record is, the more of a liability insurance providers will see you as.

GroupWith 1 DUIWith 1 accidentWith 1 speeding violationClean record
Allstate$6,436.49$5,357.99$5,142.85$4,551.49
American Family$6,522.19$6,061.79$4,801.28$4,374.55
Farmers$6,162.80$5,942.38$5,599.97$4,654.50
Geico$4,929.65$4,081.33$3,104.75$2,524.40
Liberty Mutual$7,295.91$7,257.65$5,751.46$4,533.69
Nationwide$4,476.45$3,586.11$3,048.57$2,788.60
Progressive$4,249.70$4,642.62$3,929.54$3,373.82
State Farm$5,792.84$6,323.66$5,792.84$5,262.04
Travelers$7,262.46$5,704.83$4,604.96$3,826.30
USAA$4,348.40$2,951.67$2,646.40$2,342.56

Don’t believe us? Check out the video below.

– Number of Insurers in Nevada

When it comes to insurance providers, there are two main types; domestic and foreign. What is the difference?

A domestic provider is a provider that provides coverage only for the state in which they reside in.

A foreign provider is a provider that provides coverage for multiple states, so think of the bigger insurance providers such as Allstate or Progressive.

In Nevada, you have the following number of these providers available for you to choose from:

Property & Casualty InsuranceTotals
Domestic9
Foreign873
Total882

Nevada State Laws

Every state is unique, so it’s reasonable to assume that each state has their own unique sets of laws for driving.

Nevada is no different, so in this section, we’ll cover the different state laws in Nevada from car insurance laws to safety laws.

– Car Insurance Laws

Most states in the nation require that every driver has the minimum liability coverage set for their individual state. Due to this, there are car insurance laws put into place to make sure that everyone follows this requirement.

– High-Risk Laws

Do you have a less than ideal driving record? Maybe even a DUI? If so, you’ve probably been labeled as the term “high-risk” driver.

This makes getting car insurance pretty difficult, as most insurance providers aren’t willing to voluntarily provide you with coverage. But since you’re required to have insurance coverage, what are you to do?

Well, in Nevada, you will have Nevada’s high-risk pool (also known as the Western Association Automobile Insurance Plan) to turn to.

What does this program do? It assigns you to an insurer, who has to participate in the program in order to conduct business in the state. That insurer must then provide you with at least the minimum liability coverage.

High-risk drivers can rejoice knowing that there is an option out there for you. But there’s a catch. As you are assigned to this provider, they can charge you whatever rate they deem reasonable, which is usually must higher than typical insurance rates.

So it’s always a good idea to make sure that if you are able to get coverage voluntarily through a provider to take that coverage first, as once you enter this program, you will have no choice in the rate you pay.

– Low-Cost Insurance

Nevada, unfortunately, does not currently offer any low-cost insurance coverage.

Don’t let this get you down in the dumps though. There are countless ways to help you cut down on your insurance costs.

Having a clean driving record, a good credit history, or a short commute, are a few ways, but there is an additional way to help you cut down the costs, car insurance discounts.

Check out the list below of some of the most common car insurance discount to see if you qualify for any:

  • Good Student
  • Safe Driver / Accident-less Driver
  • Homeowners
  • Multiple Vehicles
  • Paperless / Green (discounts offered if you opt for a paperless insurance policy)
  • Auto-Payments
  • Safety Devices

– Windshield Coverage

Having windshield coverage can be a very useful coverage option, particularly if you damage your windshield, but did you know that some states require windshield coverage?

Luckily for Nevada citizens, however, Nevada is not one of them. They have no windshield specific laws.

– Automobile Insurance Fraud in Nevada

According to the Insurance Information Institute (III), insurance fraud accounts for approximately $30 billion in losses each year! This is just one of the many reasons why insurance fraud is illegal across the nation.

Under Nevada Code section 686A.2815 the following are considered insurance fraud:

  • Offering a statement to an insurer that you know hides or leaves out certain facts, or includes untrue or deceptive information about any matter pertinent to an insurance policy being issued
  • Offering a statement to receive a payout or other insurance benefit that you know hides or leaves out certain facts, or includes untrue or deceptive information about any matter pertinent to that claim
  • Helping, engaging, or plotting with another individual to make a false or deceptive statement to an insurance company in order to make a payment claim, have a policy issued, or receive some other type of benefit
  • Knowingly and willfully acting with the intention of misleading or defrauding an insurance company to receive a policy or type of benefit under the policy
  • Willingly accepting an insurance policy benefit while knowing that the benefit was issued due to a deceptive or false statement or act as mentioned previously

Automobile insurance fraud in Nevada is considered a Category D felony. This means that you could be facing fines of up to $5,000 and prison time of up to four years.

Moral of the story? Don’t commit insurance fraud unless you want to have to deal with the consequences.

– Statute of Limitations

If you get into an accident and need to make a claim, you’re going to want to know what Nevada’s statute of limitations is.

What is the statute of limitations?

The statute of limitations is essentially a time cap on the amount of time you have to submit a claim or take someone to court as the result of an accident.

This means that if you try to submit a claim or take someone to court after an accident, and it’s past the state’s statute of limitations, you’ll be immediately turned away.

In Nevada, you have the following statute of limitations:

  • Personal Injuries: Two years
  • Property Damage: Three years

Our advice for you is to make sure you stick closely to how much time you have. Your start time starts on the day of your accident, all the way up to these times.

– Vehicle Licensing Laws

Instead of a license to kill like James Bond, when it comes to driving, you’ll need a license for driving. Not as adventurous, we know, but it’s extremely important to know.

– Penalties for Driving without Insurance

As it is a requirement for you to have at least the minimum liability coverage in order for you to legally drive in the state of Nevada, if you are caught driving without insurance, you could be facing some serious penalties.

The Nevada DMV’s LIVE (Liability Insurance Validation Electronically) system definitely makes things easier for you, but you are still required to carry your proof of insurance with you at all times.

The program essentially works as a tool that law enforcement can use to compare your insurance ID against the LIVE system to confirm everything is current.

If you are caught without your proof of insurance, and LIVE calls you out for not having any insurance at all, you will be facing the following penalties:

  • First 30 days of car insurance lapse = loss of your driving privileges, without a monetary fine
  • 31 to 90 days without insurance coverage = loss of your driving privileges, you will also be fined $250
  • 91 to 180 days without coverage = loss of your driving privileges, you will also be fined $500
  • 181 days or more without coverage = loss of your driving privileges, you will also be fined $1,000.

In addition to all of this, you will have your license suspended until you can provide proof to Nevada’s DMV that you have acquired the minimum liability coverage.

If you have been caught driving without car insurance for more than 91 days, you will have to have your insurer file an SR-22 form in order to get your license back.

Not only will you have to have this SR-22 with you at all times for a minimum of three years after you’ve filed for it, but it will also stay on your driving record for at least three years. It also tends to raise your insurance premiums.

So bottom line – don’t drive until you have insurance coverage.

– Teen Driver Laws

Teen drivers looking to get their learner’s license, and eventually their full-fledged license, will need to adhere to a few rules and regulations.

In Nevada, you have to be at least 15 years (and six months) old. In order for teen drivers to obtain a license or restricted license, they will need to:

  • Be at least 16 years old
  • Have the learner’s license for at least six months
  • Complete approximately 50 hours of supervised driving time (10 of which need to be at night)

During this intermediate/restricted license period, they will need to follow the following rules:

  • They may not drive between the hours of 10 P.M. and 5 A.M.
  • Passenger restrictions include only being able to transport family members, with no passenger being under the age of 18

In order to get these restrictions lifted, they will need to be at least 18 years old (must not be younger than 16 years old).

– License Renewal Procedures

According to the Insurance Institute for Highway Safety, Nevada has the following license renewal procedures:

License Renewal Procedures in NevadaGeneral PopulationOlder Population
Renewal Cycleevery 4 years (odd number birth years); 8 years (even number birth years); 8 years all licenses starting in 2018every 4 years for people 65 and older
Proof of Adequate Visionwhen renewing in person71 and older, every renewal
Online or Mail Renewal Permitted?both, every other renewal; available only for holders of a 4-year licenseboth, every other renewal for people 65 and older

– New Residents

When you are deciding to make Nevada your home, you will need to make sure that you get your license updated to the Nevada license.

Upon applying for your Nevada driver’s license, you will need to provide all of the following:

  • Proof of Identity (such as your current drivers license)
  • Proof of Name Change (if applicable)
  • Proof of Social Security Number
  • Proof of Residency (where you’re currently residing in Nevada)
  • Application for Driving Privileges or ID Card

You can find the full list of documentation that is accepted at the Nevada Department of Motor Vehicles Residency and Proof of Identity. 

– Rules of the Road

Now we’ll jump into a few rules of the road that you’ll want to know about for Nevada driving.

– Fault Versus No-Fault

As we mentioned in a previous section, Nevada is considered an “at-fault” state.

This means that if you are the one who caused the accident, you are the one who is held accountable for the costs of that accident. For both yourself, and the other driver. So bottom line; you break it, you bought it.

If you don’t have at least the minimum liability coverage, this means that not only will you get in trouble for not having the proper insurance coverage, but you will also have to pay for all of the costs of the accident out of pocket.

We can’t stress enough how important it is for you to have this coverage, so if you take anything away from this section, it’s to make sure you get at least the minimum liability coverage.

– Seat Belt and Car Seat Laws

According to the Insurance Institute for Highway Safety (IIHS), Nevada has the following seat belt and car seat laws:

Seat Belt Laws in NevadaDetails
Initial effective date07/01/87
Primary enforcement?no
Who is covered? In what seats?6+ years in all seats
Maximum base fine 1st offense, additional fees may apply$25
Car Seat Laws in NevadaDetails
Must be in child safety seat5 years and younger and 60 pounds or less
Adult belt permissiblenot permissible
Maximum base fine 1st offense, additional fees may apply$500 (the minimum fine is $100. An alternative to the fine is at least 10 but not more than 50 hours of community service)
Preference for rear seatlaw states no preference for rear seat

– Keep Right and Move Over Laws

Two laws that are pretty universal in the United States, but are really easy to adhere to, are Keep Right and Move Over Laws.

Keep Right laws in Nevada state that if you are driving slower than the rest of traffic, you should keep in the right lane. Easy right?

Move Over Laws in Nevada are just as simple. Basically, if you see a vehicle with flashing lights, move over. Examples of these types of vehicles would be fire trucks, ambulances, utility vehicles, and law enforcement.

– Speed Limits

The speed limits in Nevada, according to the Insurance Institute for Highway Safety (IIHS), is as follows:

  • Rural Interstates = 80 mph
  • Urban Interstates = 65 mph
  • Limited Access/Other Roads = 70 mph

– Automation on the Road

What exactly is an automated vehicle? Well, they’re vehicles with automated features (not so much self-driving vehicles) as shown in the video below.

Nevada is one state that is currently authorizing the deployment of autonomous vehicles. Whether or not autonomous vehicle operators must be licensed or in the vehicle is dependent on the vehicle’s level of automation.

– Safety Laws

Getting behind the driver’s wheel can be extremely dangerous if not handled properly, which is why there are a few safety laws in Nevada that you’ll want to familiarize yourself with.

– DUI Laws

One of the worst causes of traffic fatalities in the United States is drinking and driving. It’s become epidemic in the amount of these incidents, which is why a lot of states are cracking down on drivers who choose to drink and drive.

This is especially present in Nevada, as Nevada is currently ranked as the 13th most dangerous stated in the nation for drinking and driving.

If you are caught drinking and driving in Nevada, you’ll be facing the following laws and penalties:

Nevada's DUI LawsInfo
BAC Limit0.08
High BAC Limit0.18
Criminal Status by Offense1st-2nd are misdemeanors. The 3rd+ in 7 years are category B felonies.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period7 years
1st Offense-ALS or Revocation90 days. Eligible for a restricted license after half of revocation period.
1st Offense-Imprisonment2 days - 6 months OR 96 hours of community service.
1st Offense-Fine$400-$1000
1st Offense-OtherSR-22 for three years, pay $150 for DUI school, and may be ordered to attend treatment program.
2nd Offense-DL Revocation1 year. Not eligible for restricted license.
2nd Offense-Imprisonment10 days to 6 months of jail or residential confinement.
2nd Offense-Fine$750-$1000
2nd Offense-OtherPossible vehicle registration suspension. May be ordered to attend treatment program or be placed under clinical supervision of a treatment facility for up to one year.
3rd Offense-DL RevocationIf 3rd in 7 years: 3 years. Restricted license may be issued.
3rd Offense-ImprisonmentIf 3rd in 7 years: 1-6 years.
3rd Offense-FineIf 3rd in 7 years: $2000-$5000.
3rd Offense-OtherPossible vehicle registration suspension. May be ordered to attend a program of treatment for 3 years minimum.
4th Offense-DL RevocationIf 4th in 7 years, same as for 3rd.
Mandatory InterlockAll offenders

– Marijuana-Impaired Driving Laws

Marijuana use has been a point of contention in many states for years, with a lot of states now legalizing the use of the substance. As this is new, however, a lot of states do not have any marijuana-specific driving laws.

Well, in Nevada, marijuana has been legalized for medical use, but it still not legal for recreational use. They are also one of the few states that have some regulations on marijuana-impaired driving.

Nevada DUI legislation states that drivers can not get behind the wheel if they have a particular amount of marijuana or the drug’s metabolites in their blood over the legal threshold.

Nevada Revised Statute Section 484C.110 prohibits drivers who are impaired by alcohol or a controlled substance like marijuana to drive or control a vehicle on public roadways, highways, or premises.

This statute states that an individual is unlawfully operating a vehicle while marijuana impaired if they have:

  • Marijuana levels in their urine of at least 10 ng/ml
  • Marijuana levels in their blood of at least two ng/ml
  • Marijuana metabolite levels in their urine of at least 15 ng/ml
  • Marijuana metabolite levels in their blood of at least five ng/ml

So our advice to you is to just avoid the whole thing by not using marijuana and trying to drive.

– Distracted Driving Laws

Since the dawn of the age of technology, lawmakers have been bringing about more and more reforms around distracted driving.

In Nevada, hand-held devices are prohibited for all drivers while behind the wheel. In addition, there is also a texting ban in place for all drivers.

Drivers who are caught violating this will face a $50 fine for the first conviction in seven years, $100 for the following offense, and $250 for all other offenses.

These fines may even double if the distracted driving event occurred in a work zone.

If you want to see just how dangerous texting and driving can be, check out the video below to see what happened when a group of guys decided to put texting and driving to the test.

Driving in Nevada

Almost there, down to the last section.

Here, we’ll discuss the various statistics and facts you’ll want to know for driving in Nevada. Don’t take a gamble on this one.

– Vehicle Theft in Nevada

Having your vehicle stolen is one the more unfortunate parts of vehicle ownership, so we want to arm you with the information you’ll need to protect your vehicle.

The table below displays the top vehicles stolen in Nevada, so if you own such a vehicle, you’ll want to keep it under lock and key.

Make/ModelYearNumber of Thefts
Honda Accord19961,048
Honda Civic19981,011
Chevrolet Pickup (Full Size)2006377
Ford Pickup (Full Size)2006279
Toyota Camry2015254
Nissan Maxima1997208
Nissan Altima1997207
Nissan Sentra2014200
Toyota Corolla2014151
Dodge Pickup (Full Size)2005148

If you want to know exactly what your city’s vehicle theft count is, check out the FBI conducted study results below.

StatePopulationMotor
vehicle
theft
Boulder City15,80420
Carlin2,2995
Elko20,80759
Fallon8,45013
Henderson299,285641
Las Vegas Metropolitan Police Department1,627,2448,186
Lovelock1,8343
Mesquite18,47640
North Las Vegas242,5371,321
Reno248,5311,432
Sparks99,732417
West Wendover4,23614
Winnemucca7,93815
Yerington3,1473

– Road Fatalities in Nevada

In this part of the guide, we’ll cover some of the road fatality statistics for Nevada. We know, it’s the rougher side of driving, but we feel it’s important that you know this kind of information.

The various factors below that contribute to the road fatalities in Nevada are according to the National Highway Traffic Safety Administration (NHTSA).

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
TOTAL7411485034711,440
Normal6901404484411,323
Rain447392092
Snow/Sleet301004
Other31141019
Unknown101002

– All Fatalities by County

County20132014201520162017
Clark190174210217208
Washoe1938375039
Douglas637511
Elko7131289
Lyon612719
Nye11121169
Churchill14586
Carson55274
Esmeralda23534
Humboldt310853
Lander03532
Pershing24112
White Pine30472
Mineral30241
Eureka35410
Lincoln53410
Storey02220

– Road Type Fatalities

TypeNumber of Fatalities
Rural Traffic Fatalities79
Urban Traffic Fatalities227

– Person Type Fatalities

Person Type 20132014201520162017
TotalTotal266291326329309
Total Occupants131148188166148
Total Nonoccupants76808389107
NonoccupantsPedestrian6571668091
OccupantsPassenger Car7188968783
MotorcyclistsTotal Motorcyclists5963557454
Light Truck - Utility1632413631
Light Truck - Pickup2720282221
Bicyclist and Other Cyclist781069
Light Truck - Van114978
Other/Unknown Nonoccupants41737
Large Truck42573
Other/Unknown Occupants21462
Light Truck - Other01310
Bus00200

– Crash Type Fatalities

Crash Type20132014201520162017
Total Fatalities (All Crashes)*266291326329309
Single Vehicle144172193190172
Involving a Large Truck1817272837
Involving Speeding9010011212695
Involving a Rollover6286928569
Involving a Roadway Departure107121152123104
Involving an Intersection (or Intersection Related)918889108105

– Five-Year Trend for the Top 10 Counties

Nevada Counties by 2017 RankingCounty20132014201520162017
TotalAll Counties266291326329309
Sub Total 1.*Top Ten Counties255277307317302
1Clark County190174210217208
2Washoe County1938375039
3Douglas County637511
4Elko County7131289
5Lyon County612719
6Nye County11121169
Sub Total 2.**All Other Counties111419127
7Churchill County14586
8Esmeralda County23534
9Carson City55274
10Humboldt County310853

– Speeding Fatalities by County

County Name20132014201520162017
Clark7464799469
Washoe3614168
Lyon15103
Nye04413
Carson24022
Churchill03122
Douglas30122
Elko08232
Esmeralda12102
Mineral20021
White Pine00001
Eureka10000
Humboldt10420
Lander02210
Lincoln21200
Pershing00000
Storey01110

– Alcohol-Impaired Fatalities by County

County Name20132014201520162017
Clark6454695962
Washoe411142716
Elko17425
Douglas10112
Humboldt02211
Lander00011
Lyon05101
Nye36241
Carson City21110
Churchill00020
Esmeralda00100
Eureka01000
Lincoln21000
Mineral10010
Pershing03100
Storey01120
White Pine20020

– Teen Drinking and Driving

One of the most unfortunate parts of the statistics above is that this includes teen drivers.

Nevada is currently ranked as the 25th most dangerous state in the nation for teen drinking and driving.

The table below displays some of the data found on Responsibility for Nevada.

Teens and Drunk DrivingInfo
Under 21 Alcohol-Impaired Driving Fatalities Per 100K of the Population1.2
Higher/Lower Than National Average (1.2)Equal
DUI Arrests (Under 18 Years Old)58
DUI Arrests (Under 18 Years Old) Total Per Million People85.62

– EMS Response Time

LocationTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival
Rural Fatal Crashes5.7621.8854.9569.06
Urban Fatal Crashes1.845.9521.2928.46

– Transportation

We’ll now move onto the last part of this comprehensive guide and briefly discuss transportation in Nevada.

This data (for Car Ownership, Commute Time, and Commuter Transportation) was taken from the Census Bureau via DataUSA.io.

– Car Ownership

According to Data USA, the average Nevada citizens owns two vehicles per household.

– Commute Time

Commute time nationwide is approximately 25.5 minutes, but luckily for Nevada citizens, the commute time is only an average of 23.2 minutes.

– Commuter Transportation

The most popular form of transportation in Nevada is to drive alone at a whopping 78.5 percent.

– Traffic Congestion in Nevada

One of the most frustrating things when driving is getting stuck in traffic. It’s, unfortunately, part of a lot of people’s commutes.

In Nevada, you have two cities in which you will see more traffic congestion: Las Vegas and Reno.

According to INRIX Scorecard, these two cities have the following traffic congestion data:

CITY NAME2018 IMPACT RANK (2017)HOURS LOST IN CONGESTIONYEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Reno, NV202 (199)52 (194)-7%$724319
Las Vegas, NV160 (169)63 (176)1%$883416

TomTom has the following information for Las Vegas:

TomTom Traffic Congestion in Las Vegas, NevadaDetails
World Rank246
Congestion Level21%
Extra Travel Time+8 min
per 30 min trip
in the morning
+12 min
per 30 min trip
in the evening
Morning Peak25%
Evening Peak40%
Highways16%
Non-highways22%

Finally, Numbeo, has the data below for Las Vegas:

Numbeo Traffic Congestion in Las Vegas, NVDetails
Traffic Index129.94
Time Index (in minutes)28.19
Time Exp. Index51.66
Inefficiency Index147.85
CO2 Emission Index6790.00

Now that you’ve made it to the end of this comprehensive guide, we hope that you feel more confident making the decisions you will need to make in order to get the best car insurance for your needs.

Don’t forget to use our FREE online tool to start comparing rates today, all you need is your zip code.

References:
  1. https://dmvnv.com/pdfforms/nvlive_specs.pdf
  2. https://www.insurancebusinessmag.com/us/news/breaking-news/nevada-drivers-now-allowed-digital-proof-of-insurance-25441.aspx
  3. https://www.statista.com/statistics/205450/per-capita-personal-income-in-nevada/
  4. https://www.naic.org/
  5. https://www.jdpower.com/business/press-releases/jd-power-2018-us-auto-insurance-study
  6. http://doi.nv.gov/Consumers/Consumer_Complaint_Report/
  7. http://doi.nv.gov/Consumers/FAQs/
  8. http://www.carwindshields.info/states
  9. https://www.iii.org/article/background-on-insurance-fraud
  10. https://www.leg.state.nv.us/NRS/NRS-686A.html#NRS686ASec2815
  11. https://statelaws.findlaw.com/nevada-law/nevada-insurance-fraud-laws.html
  12. https://p2lawyers.com/blog/2018/7/22/is-it-legal-to-drive-without-insurance-in-nevada
  13. https://www.dmv.org/insurance/sr-22-insurance-faqs.php
  14. http://www.dmvnv.com/nvdlteens.htm
  15. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=NV
  16. https://www.iihs.org/topics/older-drivers/license-renewal-laws-table
  17. http://www.dmvnv.com/dlresidency.htm
  18. https://www.nolo.com/legal-encyclopedia/car-accidents-proving-fault-29604.html
  19. https://www.iihs.org/topics/seat-belts/seat-belt-law-table#fn15
  20. https://www.leg.state.nv.us/nrs/nrs-484b.html#NRS484BSec200
  21. https://www.leg.state.nv.us/nrs/nrs-484b.html#NRS484BSec267
  22. https://www.iihs.org/iihs/topics/laws/speedlimits
  23. http://www.dmvnv.com/autonomous.htm
  24. https://www.iihs.org/iihs/topics/laws/driving-automation
  25. https://www.legalmann.com/dui-attorney/first-dui/
  26. https://www.leg.state.nv.us/nrs/nrs-484c.html#NRS484CSec110
  27. https://www.iihs.org/iihs/topics/laws/cellphonelaws
  28. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/nevada.xls
  29. https://cdan.nhtsa.gov/STSI.htm#
  30. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  31. https://www.census.gov/
  32. https://datausa.io/profile/geo/wyoming#category_transportation
  33. https://datausa.io/profile/geo/nevada/#category_transportation
  34. http://inrix.com/scorecard/
  35. https://www.tomtom.com/en_gb/traffic-index/ranking/?country=CA,MX,US
  36. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

Start Saving on Car Insurance!

Enter your zip code below to compare rates from the top companies in your area

 Secured with SHA-256 Encryption

[0-9]
[0-9]