Accident Lawyer’s Top 4 Auto Insurance Companies – 2011

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Shopping for auto insurance? Accident attorney Steven M. Gursten identifies his recommendation on the best car insurance companies based on pricing, paying on valid claims and customer satisfaction

The lawyers at Michigan Auto Law only help people in car accidents, and we see daily how every auto insurance company in Michigan treats their customers when they're in need. Believe it or not, there are some very good auto insurance companies out there.

As auto accident and No-Fault insurance lawyers at Michigan Auto Law, we are always asked what auto insurance companies we would recommend. To help protect drivers when looking for auto insurance, our attorneys have compiled a list of the auto insurance companies that give people some of the best value for their auto premium dollars.

Top 4 Best Auto Insurance Companies - 2011

"The lawyers at Michigan Auto Law only help people injured in car accidents, and we see daily how every auto insurance company in Michigan treats their customers when they're in need," said accident lawyer Steven M. Gursten, partner of Farmington-hills-based Michigan Auto Law. "Believe it or not, there are some very good auto insurance companies out there, who will protect and care for auto accident victims, and provide their No-Fault benefits in a generous and timely manner (as they're required by law to do). This is the entire purpose of auto insurance, and the reason we pay for such important protections."

The list is comprised of auto insurance companies that have the best price, assurance that valid auto accident and injury claims will be paid, and good customer service, Gursten said, noting that he evaluated the top 10 largest auto insurance companies in Michigan, as well as a couple other auto insurers to see what they had to offer.

Based on the law firm's analysis, the insurers who made Gursten's list of the Best Auto Insurance Companies for 2011 are:

  •      Auto-Owners Insurance Company
  •      Home-Owners Insurance Company
  •      Michigan Millers Mutual Insurance Company
  •      Grange Insurance Company of Michigan

Below are Gursten's reasons for including each auto insurer:

Auto-Owners Insurance Company
For the past three years, Auto-Owners has won the J.D. Powers and Associates’ Auto Claims Satisfaction Study, ranking “highest in overall satisfaction among auto insurance claimants …” Each year, Auto-Owners earned the highly coveted rating, “Among the best.”

Additionally, in the J.D. Powers and Associates’ 2010 National Auto Insurance Study, which measures customer satisfaction with auto insurance companies, Auto-Owners was rated “Better than most.”

Auto-Owners topped the list for paying out the highest percentage of its premium dollars in claims. For instance, for every premium dollar Auto-Owners receives from Michigan drivers, it pays out approximately $.74 in auto accident claims.

Auto-Owners’ prices were among the lowest in all five of the markets examined in compiling this list. Finally, Auto-Owners received relatively few consumer complaints.

Home-Owners Insurance Company
Home-Owners had the lowest prices in two of the five markets examined.

Additionally, Home-Owners paid out the second highest percentage of premium dollars in claims. For every premium dollar Home-Owners received from Michigan drivers, it paid out $.69 in auto accident claims.

Grange Insurance Company of Michigan
Grange Insurance Company of Michigan has been my personal favorite for the last couple years, because the people there just try to do the right thing, Gursten said. "Last month, one of my co-workers had a drunk driver slam into her husband’s pick-up truck that was parked in front of their house in the early morning hours. Even though they had a substantial deductible, the Grange adjuster waived it. If you look at the consumer satisfaction sites below, Grange receives very few consumer complaints," Gursten added.

Michigan Millers Mutual Insurance Company
Michigan Millers Mutual topped the list for fewest consumer complaints, and the insurers’ prices ranked among the lowest in four of the five markets examined.

Recently, Michigan Auto Law published a list of the Top 6 Worst Auto Insurance Companies in 2011. Read the list and protect yourself now.

Sources for the best insurance companies list:

  •      Insurance Institute of Michigan, 2010 IIM Fact Book (Page 27)
  •      Insurance Company Complaint Ratios (Automobile Coverage), Office of Financial and Insurance Regulation
  •      “The Competitiveness and Premium Excessiveness of the … Auto Insurance Industr[y] in the State of Michigan,” Office of Financial and Insurance Regulation (Appendix L)
  •      2008 Buyers Guide to Auto Insurance, Office of Financial and Insurance Regulation (See Example 3 on Page 16 and markets NED (Northeast Detroit), LAN (Lansing), TRA (Traverse City), SAG (Saginaw) and GRA (Grand Rapids)
  •      J.D. Power and Associates, 2010 Auto Claims Satisfaction and 2010 National Auto Insurance studies.

About Steven M. Gursten: Steven M. Gursten is recognized as one of the nation’s top attorneys handling serious car accident and truck accident injury cases. He is co-chair of the Michigan Association for Justice Auto Accident No-Fault Committee, and holds leadership in several other local and national legal organizations helping auto accident lawyers with traumatic brain injury cases. Gursten received the top-reported auto accident or truck settlement in 2008, 2009 and 2010, according to published reports from Michigan Lawyers Weekly.

About Michigan Auto Law: Michigan Auto Law is a third-generation law firm with 17 lawyers practicing exclusively in automobile accident and No-Fault insurance litigation throughout the state. The firm has offices in Farmington Hills, Sterling Heights, Detroit, Ann Arbor and Grand Rapids. For more information or to speak with an accident lawyer now, please call (800) 777-0028.

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Natalie Lombardo
Michigan Auto Law
(248) 353-7575
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