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American Family Insurance should be at the top of the list. In Missouri, American Family is on record for the highest number of consumer complaints with the Missouri Department of Insurance. We had AFI for 18 years and never in that time did our agent tell us about Underinsured Motorist coverage. They don't want you to know about this coverage because they want to keep their loss ratios down. They love to sell cheap auto insurance to young drivers in states like Arizona where they happily sell puny $15,000 liability policies to young adult drivers. Our son was killed by one of these drivers of American Family Insurance. Event though our AFI agent was negligent in purposely not disclosing the availability of Underinsured Motorist coverage to us, we cannot sue the agent because courts have already ruled you cannot sue an agent for being deceitful in not discloing coverages. Amazingly, J.D. Power and Associates endorses this good for nothing company even though AFI is at the top of the list for complaints in Missouri. It seems to me that the surveys that JDPA sends out to insurance company policy holders are just busy work and have very little to do with the quality of the company. The large amount of money that the insurance company is willing to pay JDPA for survey results and licensing fees appears to be the real factor in getting an "endorsement" by JDPA.
By BRC
