Closed Confirmed Consumer Complaints by Coverage Type As of October 26, 2015

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1 Data reflected in this report is voluntarily submitted to the NAIC proprietary Complaints Database System (CDS) by state insurance departments. Not all states provide all of their complaint data to the NAIC. Aggregate report data retrieved is specific only to risk bearing entities within the database and does not include information on specific agents/brokers. Complaints retrieved are those states deem confirmed. The NAIC does not guarantee the truth, accuracy, quality or completeness of the data and is not responsible for errors, omissions or for results of further use. Report Description: The Closed Confirmed Consumer Complaints by Coverage Type report provides counts and percentages of the types of insurance coverages. The Summary of Coverage Counts section provides count summaries for the seven insurance coverage types and percentages of total counts. The section provides counts for the first and second level coverage codes for each insurance coverage type from the NAIC's Complaint Database System. The data codes identified are based on the NAIC Standard Complaint Data Form. A Closed Complaint is a complaint that has been investigated by the state insurance department, and given a resolution code. A Confirmed complaint is a complaint in which the state department of insurance determines: a) The insurer, licensee, producer, or other regulated entity committed any violation of: 1) an applicable state insurance law or regulation; 2) a federal requirement that the state department of insurance has the authority to enforce; or 3) the term/condition of an insurance policy or certificate; or b) The complaint and entity s response, considered together, indicate that the entity was in error. Summary of Coverage Counts Type of Coverage Count % of Total Count % of Total Count % of Total Count % of Total Auto 35, % 30, % 24, % 24, % Accident & Health 35, % 39, % 24, % 25, % Homeowners 12, % 17, % 8, % 9, % Life & Annuity 5, % 6, % 5, % 5, % Miscellaneous 1, % 1, % 1, % 1, % Fire, Allied Lines & Commercial Multi-Peril 1, % 1, % 1, % 1, % Liability % % % % Total 93,226 98,327 66,756 69,333 The percentages may not total 100% because each Type of Coverage % of Total is rounded to the 2nd decimal place. Recipient agrees not to market, sell or distribute this data/report without the prior written consent of the NAIC. For reprint permission please see Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 1 of 6

2 105 Auto Private Passenger 17,927 15,283 12,751 13, Auto Group Private Passenger Auto Commercial Auto Motorcycle Auto Motorhome Auto Motorsport Auto Rental Auto State Specific Auto Liability 11,126 7,242 6,027 5, Auto Physical Damage 1,379 1,529 1,111 1, Auto Collision 1,639 1,671 1,169 1, Auto Comprehensive Auto Medical Payments Auto UM/UIM Auto No-Fault/PIP Auto Personal Effects Coverage Auto Policy Proof of Interest Auto Rental Reimbursement Auto Towing Auto JUA Related Auto Physical Damage Waiver Auto Collision Damage Waiver Auto Supplemental Liability Auto Personal Passenger Auto State Specific 1,291 1, Auto Surplus Lines Fire, Allied Lines & Commercial Multi-Peril Fire, Allied Lines Fire, Allied Lines & Commercial Multi-Peril Crop/Hail Fire, Allied Lines & Commercial Multi-Peril Commercial Multi-Peril Fire, Allied Lines & Commercial Multi-Peril Credit Property Fire, Allied Lines & Commercial Multi-Peril Dwelling Fire Fire, Allied Lines & Commercial Multi-Peril Builder's Risk Fire, Allied Lines & Commercial Multi-Peril State Specific Fire, Allied Lines & Commercial Multi-Peril Liability Fire, Allied Lines & Commercial Multi-Peril Theft Fire, Allied Lines & Commercial Multi-Peril Windstorm Fire, Allied Lines & Commercial Multi-Peril Fire - Real Property Fire, Allied Lines & Commercial Multi-Peril Personal Property Fire, Allied Lines & Commercial Multi-Peril Residual Mkt./JUA Related Fire, Allied Lines & Commercial Multi-Peril State Specific Fire, Allied Lines & Commercial Multi-Peril Surplus Lines Homeowners Homeowners 6,511 9,029 4,982 5, Homeowners Group Homeowners Homeowners Farmowner/Ranchowner Homeowners Mobile Homeowner Homeowners Condo/Town Homeowners Renters/Tenants Homeowners State Specific Homeowners Liability Homeowners Theft Homeowners Earthquake Homeowners Flood Homeowners Fire - Real Property Homeowners Single Interest Homeowners Medical Payments Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 2 of 6

3 338 Homeowners In-home/Incidental Business Homeowners Personal Property Homeowners Residual Mkt./JUA Related Homeowners Replacement Cost Homeowners Loss of Use Homeowners Windstorm Homeowners State Specific 3,381 4, Homeowners Surplus Lines Recipient agrees not to market, sell or distribute this data/report without the prior written consent of the NAIC. For reprint permission please see Life & Annuity Individual Life 2,302 3,003 2,469 2, Life & Annuity Group Life Life & Annuity Annuities Life & Annuity Group Annuities Life & Annuity Credit Life Life & Annuity Accelerated Benefits Life & Annuity State Specific Life & Annuity Accidental Death & Dismemberment Life & Annuity Association Life & Annuity Equity Indexed Life & Annuity Fixed Life & Annuity Premium Waiver Life & Annuity Single Premium Life & Annuity Term Life & Annuity Universal Life & Annuity Variable Life & Annuity Whole 883 1, Life & Annuity State Specific Accident & Health Individual 10,026 11,290 4,653 4, Accident & Health Group 6,337 7,818 7,342 8, Accident & Health Credit Accident & Health State Specific 1,108 1,847 1,794 1, Accident & Health Accident Only Accident & Health Grandfathered Accident & Health Exchange 1,777 1, Accident & Health Pharmacy Benefits Accident & Health Catastrophic Accident & Health Disability Income Accident & Health Bronze Accident & Health Silver Accident & Health Gold Accident & Health Platinum Accident & Health Health Only 3,793 4,596 3,005 3,215 Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 3 of 6

4 531 Accident & Health Small Group Accident & Health Large Group Accident & Health Child Only Accident & Health Multi State Accident & Health Stand Alone Dental Accident & Health Autism/PDD Accident & Health Student Health Accident & Health Long-Term Care Accident & Health Home Health Care Accident & Health Short Term Limited Duration Policy Accident & Health Mental Health Accident & Health Dental 854 1, Accident & Health Occupational Accident Accident & Health Limited Benefits Accident & Health Chiropractic Accident & Health Hospital Indemnity Accident & Health Vision Accident & Health HIPAA Accident & Health Unemployment Accident & Health Pre-existing Condition Accident & Health Cancer/Dread Disease Accident & Health Self Funded/ERISA Accident & Health COBRA Accident & Health HMO 1,903 2,289 1,108 1, Accident & Health PPO 2,480 2,832 1,170 1, Accident & Health State Specific Accident & Health Medicare Advantage Accident & Health Medicare Prescription Drug/Part D Accident & Health Medicare Supplement Accident & Health Medicare Select Accident & Health Medicare Plan A Accident & Health Medicare Plan B Accident & Health Medicare Plan C Accident & Health Medicare Plan D Accident & Health Medicare Plan E Accident & Health Medicare Plan F Accident & Health Medicare Plan G Accident & Health Medicare Plan H Accident & Health Medicare Plan I Accident & Health Medicare Plan J Accident & Health Medicare Plan K Accident & Health Medicare Plan L Accident & Health Medicare Plan M Accident & Health Medicare Plan N Accident & Health Medicare Plans Other/Unknown Accident & Health Medicare Plans Pre Standardized Liability General Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 4 of 6

5 Recipient agrees not to market, sell or distribute this data/report without the prior written consent of the NAIC. For reprint permission please see Liability Products Liability Professional E & O Liability Umbrella Liability Directors & Officers Liability State Specific Liability Employment Policy Liability Excess Loss Liability Medical Professional Liability Liability Pollution Liability Surplus Lines Liability State Specific Miscellaneous Workers Compensation 1,156 1,177 1, Miscellaneous Fidelity & Surety Miscellaneous Ocean Marine Miscellaneous Inland Marine Miscellaneous Title Miscellaneous In Home/Incidental Business Miscellaneous Mortgage Guaranty Miscellaneous Boiler Machinery Miscellaneous PMI Miscellaneous Surplus Lines Miscellaneous Watercraft Miscellaneous Aircraft Miscellaneous Bail Bonds Miscellaneous Warranty Contract Miscellaneous Federal Programs Miscellaneous Federal Crop Miscellaneous Federal Flood Miscellaneous Travel Miscellaneous State Specific Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 5 of 6

6 Recipient agrees not to market, sell or distribute this data/report without the prior written consent of the NAIC. For reprint permission please see Database: DSPLP National Association of Insurance Commissioners. All rights reserved. Page 6 of 6

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