WYOMING INSURANCE DEPARTMENT
106 East 6th Avenue
Cheyenne, WY 82002
(307) 777-7402
E-Mail:  WYINSDEP@wyo.gov
Website: http://insurance.state.wy.us

Composite of Consumer Complaint Data:            1999 through 2010

Total Complaint Files Year 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Opened 386 439 498 488 440 583 580 676 855 822 673 497
Closed 403 462 475 489 446 570 612 724 830 809 782 428

                                                                                
                                                                            Reasons For Complaints

Reason 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Claim Handling 298 332 344 350 322 374 429 528 604 558 517 336
Marketing & Sales 33 50 40 26 45 45 44 51 55 67 90 42
Policyholder Service 41 57 70 81 73 93 98 100 105 145 133 78
Underwriting 59 63 64 60 44 90 97 121 118 97 126 53

NOTE:  A complaint may include more than one reason for filing.
   

Complaints by Line of Coverage (closed files)
Line of Coverage 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Accident and Health                        
Group Health 71 91 100 97 107 120 179 208 186 185 192 141
Individual Health 98 114 123 103 120 153 143 141 181 162 187 110
Credit Disability 1 5 1 3 3 4 5 3 6 7 12 6
Self Insured/ERISA plans 57 45 56 62 39 54 48 78 95 86 76 36
Life and Annuity                        
Individual Life 23 38 24 36 33 24 28 27 38 56 77 46
Credit Life 3 2   2 1 1 4 4 6 2 5 3
      Group Annuities   2 2 2 1 2   1 1 1    
Group Life 5 7 2 9 1 6 3 2 5 3 3 3
Annuities 1 3 11 8 14 13 10 4 3 10 8 4
Automobile                        
Private Passenger 55 73 75 95 66 90 95 125 167 169 131 60
Commercial 3 3 4 2 6 5 11 10 6 4 4 4
Motorhome / RV 1 3 1       1 1 5 2 4  
Motorcycle 1 1 1 3 1 2 1 4 2 4   2
      Motorsport       1   1            
Private Passgr Grp 2       2 1 1          
Fire, Allied Lines and CMP                        
Commercial Multi-Peril 15 11 12 10 11 17 16 19 34 25 20 7
Fire, Allied Lines 1         1 1     1 1  
Credit Property               1 1      
Crop / Hail     1       1   1 1    
      Builders Risk 1 2 1   1              
Dwelling Fire 1 1   1 1         1    
Homeowners                        
Homeowners 40 36 29 20 17 41 38 63 67 59 41 23
Condo / Townhome           2     1     2
Farm / Ranch 1 3   1 1 2 2 1 1 1   3
Mobile Home 3 2 2 2 3 7 7 2 7 4 1 3
Renters / Tenants 1 1   1 1 2 1 2   4 3  
Liability                        
      Umbrella       1                 
General Liability     3 1 2 1     1 1   1
Errors & Omissions           1       1 3  
Miscellaneous                        
      Aircraft             1          
Bail Bonds                   1    
Service Contracts 2 1 11 12 2 2 1 9 4 5 3  
Fidelity & Surety   1 1             1   1
Watercraft             1 1 1      
Federal Crop     1           1      
Surplus Lines 3   1             1    
     Inland Marine       1                
Mortgage Guaranty 1                      
Title 2 2 1 5 3 3   8   4    
Workers Compensation 1   2 2     3 1 2 1 5  
Other 10 15 11 9 10 15 11 9 8 4 5 8

 

2010 Property and Casualty Complaint Ratios   2010 Life and Health Complaint Ratios
Companies With Four or More Complaints   Companies With Four or More Complaints
Listed Highest to Lowest Ratio   Listed Highest to Lowest Ratio
Company Number of Closed Complaints Direct Premium Written Complaint Ratio   Company Number of Closed Complaints Direct Premium Written Complaint Ratio
    ($1.0 million)         ($1.0 million)  
Hartford Underwriters Insurance Company 5 5.709 0.8759   Senior Health Insurance Company of Pennsylvania 4 0.252 15.8479
Farmers Insurance Exchange 20 36.573 0.5469   Reserve National Insurance Company 7 4.189 1.6711
Colorado Casualty Insurance Company 5 9.176 0.5449   Mega Life and Health Insurance Company, The 7 4.228 1.6557
Foremost Insurance Company 4 7.720  0.5181   Time Insurance Company 12 14.007 0.8567
Safeco Insurance Company of America 5 11.455 0.4356   Great-West Life and Annuity Insurance Company 11 15.951 0.6896
Progressive Northern Insurance Company 9 27.708 0.3248   Madison National Life Insurance Company 4 5.965 0.6705
State Farm Fire and Casualty  Company 6 48.097 0.1247   Humana Insurance Company 8 29.463 0.2715
State Farm Mutual Automobile Insurance Company 7 71.232 0.0983   United HealthCare Insurance Company 15 60.563 0.2477
Mountain West Farm Bureau Mutual Insurance Company, Inc 6 71.032 0.0845   Prudential Insurance Company of America 4 17.995 0.2223
          WINhealth Partners 8 46.371 0.1725
          Blue Cross Blue Shield of Wyoming 33 247.039 0.1336

 

2009 Property and Casualty Complaint Ratios   2009 Life and Health Complaint Ratios
Companies With Four or More Complaints   Companies With Four or More Complaints
Listed Highest to Lowest Ratio   Listed Highest to Lowest Ratio
Company Number of Closed Complaints Direct Premium Written Complaint Ratio   Company Number of Closed Complaints Direct Premium Written Complaint Ratio
    ($1.0 million)         ($1.0 million)  
Hartford Underwriters Insurance Company 4 6,259 0.6391   Conseco Life Insurance Company 4 0.238 16.7856
National Farmers Union Property and Casualty Company 4 9,593 0.417   Celtic Insurance Company 7 2.673 2.6193
Colorado Casualty Insurance Company 5 12,228 0.4089   American National Life Insurance Company of Texas 5 2.319 2.1565
Safeco Insurance Company of Illinois 5 19,478 0.2567   Continental General Insurance Company 4 1.973 2.0275
Farmers Insurance Exchange 8 38,421 0.2082   Reserve National Insurance Company 5 3.133 1.5959
Mountain West Farm Bureau Mutual Insurance Company, Inc 12 67,266 0.1784   Bankers Life and Casualty Company 5 3.271 1.5284
State Farm Fire Casualty Automobile Insurance Company 8 46,440 0.1723   Mega Life and Health Insurance Company, The 6 5.662 1.0597
State Farm Mutual Automobile Insurance Company 11 72,701 0.1513   Madison National Life Insurance Company 6 8.196 0.7321
          Minnesota Life Insurance Company 5 7.218 0.6927
          Aetna Life Insurance Company 4 7.893 0.5068
          Time Insurance Company 7 14.413 0.4857
          American Family Life Assurance Company of Columbus 5 12.983 0.3851
          United HealthCare Insurance Company 13 45.870 0.2834
          Blue Cross Blue Shield of Wyoming 64 235.933 0.2713
          John Alden Life Insurance Company 6 24.003 0.2500
          Great-West Life and Annuity Insurance Company 6 26.558 0.2559
          Humana Insurance Company 7 31.124 0.2249
          WINhealth Partners 8 37.634 0.2126
          Lincoln National Life Insurance Company 6 32.055 0.1872

 

2008 Property and Casualty Complaint Ratios   2008 Life and Health Complaint Ratios
Companies With Four or More Complaints   Companies With Four or More Complaints
Listed Highest to Lowest Ratio   Listed Highest to Lowest Ratio
Company Number of Closed Complaints Direct Premium Written Complaint Ratio   Company Number of Closed Complaints Direct Premium Written Complaint Ratio
    ($1.0 million)         ($1.0 million)  
Allied Property and Casualty Insurance Company 10 3,098 3.2281   Celtic Insurance Company 11 2,695 4.0821
AUL Corporation 6 * *   Aetna Life Insurance Company 14 5,424 2.581
Hartford Underwriters Insurance Company 4 2,528 1.5825   Bankers Life and Casualty Company 8 4,265 1.8756
National Farmers Union Property and Casualty Company 5 9,681 0.5165   World Insuranc Company 6 3,935 1.5247
Farmers Insurance Exchange 10 37,444 0.2671   Mega Life and Health Insurance Company, The 7 6,238 1.1222
Mountain West Farm Bureau Mutual Insurance Company, Inc 9 65,321 0.1378   Connecticut General Life Insurance Company 4 3,573 1.1196
State Farm Mutual Automobile Insurance Company 4 70,927 0.0564   United HealthCare Insurance Company 23 40,070 0.5740
*  Premium data unavailable         Great-West Life and Annuity Insurance Company 8 15,445 0.5180
          Time Insurance Company 6 14,741 0.4070
          Humana Insurance Company 12 29,845 0.4021
          WINhealth Partners 12 45,414 0.2642
          Blue Cross Blue Shield of Wyoming 54 241,351 0.2237
          Lincoln National Life Insurance Company  4 34,927 0.1145
                 
2007 Property and Casualty Complaint Ratios   2007 Life and Health Complaint Ratios
Companies With Four or More Complaints   Companies With Four or More Complaints
Listed Highest to Lowest Ratio   Listed Highest to Lowest Ratio
Company Number of Closed Complaints Direct Premium Written Complaint Ratio   Company Number of Closed Complaints Direct Premium Written Complaint Ratio
    ($1.0 million)         ($1.0 million)  
Allied Property and Casualty Insurance Company 6 3.03 1.9801   Connecticut General Life Insurance Company 8 3.35 2.3882
Allstate Fire & Casualty Insurance Company 4 3.595 1.1126   American Republic Insurance Company 4 1.69 2.3669
Progressive Casualty Insurance Company 9 8.742 1.0295   World Insurance Company 7 4.337 1.6139
GEICO General Insurance Company 5 5.298 0.9438   Madison National Life Insurance Company, Inc 6 6.755 0.8883
Hartford Underwriters Insurance Company 4 7.235 0.5528   Humana Insurance Company 18 23.64 0.7614
National Farmers Union Property and Casualty Company 4 9.657 0.4142   United HealthCare Insurance Company 25 42.436 0.5891
Allstate Insurance Company 4 11.714 0.3415   Mega Life and Health Insurance Company, The 4 7.096 0.5637
Farmers Insurance Exchange 9 34.683 0.2595   Great-West Life and Annuity Insurance Company 5 15.339 0.326
State Farm Mutual Automobile Insurance Company 12 68.757 0.1745   John Alden Life Insurance Company 4 17.89 0.2236
Mountain West Farm Bureau Mutual Insurance Company, Inc 10 63.844 0.1566   Trustmark Life Insurance Company 4 18.824 0.2125
State Farm Fire and Casualty Company 6 41.524 0.1445   Blue Cross Blue Shield of Wyoming 42 208.012 0.2019
America First Warranty 5 * *   WINhealth Partners 7 41.086 0.1704
*  Premium data unavailable         Aetna Health and Life Insurance Company 4 55.288 0.0723

2006-1999 Property and Casualty/Life and Health Complaint Ratios:  Click Here.