Insurance

Americans reveal what they hate most about the top auto insurers in the U.S.

Americans have complaints about their car insurance companies.

Photo by Getty Images

A new study by ValuePenguin discovered what Americans dislike about the top insurance companies in the country. The research found that customers were most likely to gripe about claims-related issues, but not always for the same reason.

The top 10 insurance companies are Allstate, Farmers, Chubb, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, USAA, and Travelers. All of these companies offer auto insurance alongside other type of insurance.

The study used data collected from the National Association of Insurance Commissioners (NAIC). These results are specific to the auto industry.

Allstate and GEICO customers were most irritated by delays while Farmers, Progressive, State Farm, and Travelers clients complained most about unsatisfactory settlements/offers.

Value Penguin insurance companies Photo courtesy of ValuePenguin

About three-quarters of complaints directed at GEICO dealt with claims, typically with claims delays and unsatisfactory settlement offers.

Chubb customers were much less likely to complain about a claims issue. Only 43 percent of complaints made about that insurer involved claims. Instead, customers said they weren't happy with the company's sales and marketing process. "Misrepresentation" of coverage offerings was the single most common complaint among Chubb customers, and Chubb received more complaints regarding this issue than any other insurer ValuePenguin looked at.

Liberty Mutual was plagued by complaints over adjuster handling while the chief issue for Nationwide customers was the denial of a claim.

The NAIC's Complaint Index compares the number of complaints an insurer has received with its size. When this criteria is taken into account, Nationwide has the fewest complaints among the top car insurance insurers. Liberty Mutual car insurance customers are 96 percent as likely to file a complaint as they would at another insurer. Though it sounds high, this still beats the national average.

Here are all the Auto Complaint Index ratings for the top insurers:

  • Allstate - 0.6
  • Chubb - 0.51
  • Farmers - 0.86
  • GEICO - 0.81
  • Liberty Mutual - 0.96
  • Nationwide - 0.43
  • Progressive - 0.78
  • State Farm - 0.69
  • Travelers - 0.62
  • USAA - 0.69

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The 2022 Acura TLX has the technology enabled.

Photo courtesy of Acura

Toyota and Lexus announced that the WarnerMedia RIDE app would be coming to their models earlier this year. Now, Honda and Acura will be offering the same.

On certain Wi-Fi enabled Honda and Acura vehicles, AT&T unlimited in-car Wi-Fi users will have access to the WarnerMedia RIDE app. The app allows users to connect multiple devices in their vehicles to browse, stream and share premium content from the WarnerMedia library while on the road.

Honda and Acura vehicle owners have been able to use their on-board modem as a hot spot for connecting up to seven devices since 2017. Models compatible for the new tech include the Acura RDX (2019-present), Acura TLX (2021), and Acura MDX (2022) across all trim levels. Honda vehicles with the tech include Accord (2018-present, Touring), Odyssey (2018-present; Touring, Elite), Insight (2019-present, Touring)., Passport (2019-present; Touring, Elite)., and Pilot (2019-present; Touring, Elite, Black Edition).

The WarnerMedia RIDE App allows passengers to access 1,000+ hours of live and on-demand entertainment. The app includes hit TV shows and movies from top brands such as Cartoon Network, CNN, HBO Max, TBS, TNT and TruTV, spanning animation, entertainment, news, sports and more.

WarnerMedia RIDE app The WarnerMedia RIDE app allows users to choose their own avatar.Photo courtesy of Acura

Users can set up profiles and personalize their user exerpience with an avatar from the WarnerMedia library. Profiles also ensure age-appropriate content with options for adults to restrict access to their profiles with an access code.

"Wireless connectivity and connected car services continue to be key features for customers and our long-standing relationship with AT&T continues to be one way we deliver exciting new content to Honda and Acura owners," said Art St. Cyr, vice president of North American Auto Strategy for American Honda. "Honda will continue working to enhance the in-car experience, including the capabilities of the AT&T network and access to top content with WarnerMedia RIDE."

"We're always looking for new and innovative ways to elevate the connected car experience for our customers. With WarnerMedia RIDE, we are delivering a connected experience that's perfect for journeys," said Joe Mosele, vice president, Mobility & Internet of Things, AT&T. "Our collaboration is keeping Honda and Acura owners connected wherever they travel with hours of news and entertainment for the whole family."

WarnerMedia RIDE is available now in the App Store and on Google Play for all U.S. unlimited data plan subscribers. WarnerMedia RIDE is included at no additional cost for existing and new unlimited subscribers.

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Roundabouts are safer than traffic lights according to the Insurance Institute for Highway Safety.

Photo by Pete Ark/Getty Images

New information from the Insurance Institute for Highway Safety (IIHS) points out that roundabouts are safer than traffic signals and stop signs. Roundabouts are one of 20 evidence-based safety countermeasures recommended by the Federal Highway Administration.

Studies of intersections in the United States converted from traffic signals or stop signs to roundabouts have found reductions in injury crashes of 72-80 percent and reductions in all crashes of 35-47 percent.

The logic comes down to engineering. The tight circle of a roundabout requires drivers to slow down so they can safety maneuver around the circle. Because of the ingress and egress of the roundabout's design, right-angle, left-turn, and head-on collisions are unlikely.

roundabout Europe Traffic circles, rotaries, and roundabouts are common all over the world.Photo by supergenijalac/Getty Images

Modern roundabouts build on the traditional rotary design. According to IIHS, the new style of roundabout requires vehicles to negotiate a sharper curve to enter resulting in slower speeds within the circle.

According to IIHS, research shows that traffic flow improves after intersections are converted to roundabouts. Additionally, there is less vehicle idling, which results in fewer vehicle emissions at the location.

Older traffic circles sometimes have traffic signals dictating the right of way but most modern ones only have yield signs. Some modern roundabouts feature flow-through lanes which allow shortcutting for partings simply going a quarter of the way around.

Roundabouts aren't just safer for vehicles. They have distinct advantages for pedestrians as well as they are able to walk on sidewalks around the perimeter rather than crossing only one direction at a time. Crossing distances are usually shorter than they would be during a traditional frolic through the roadway and vehicles are frequently moving slower than they usually would.

What we now know as the roundabout gained popularity in the United Kingdom in the 1960s and is seeing expanded use throughout the U.S. and Europe in modern times. The first modern roundabouts were popularized in Nevada in the 1990s.

While there are benefits for motorists and pedestrians, it comes at the cost of cyclists who are often required to ride in the road and can find themselves caught up amongst vehicles in the rotary when speciality lanes are not present.

Cycling races often bemoan the uptick in rotaries, which cause hazards to racers at speed while crashes often happening as the peloton splits to traverse the obstacle and the surrounding lane dividers.

Some states, including New York and Virginia, have adopted "roundabout first" policies requiring that roundabouts be considered a preferred alternative when building new intersections or upgrading older ones.

Up-front construction costs of roundabouts can be pricey, but the overall cost of maintenance once built is generally cheaper, according to IIHS. There is also the benefit of a lessened cost of police and firefighter time spent dealing with accidents at high-risk intersections in addition to the human life toll.

The service life of a roundabout is significantly longer, approximately 25 years, compared with 10 years for a typical traffic signal.

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