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 2015 2014 2013 2012 Type of Coverage Count % of Total Count % of Total Count % of Total Count % of Total Auto 35,986 38.60% 30,455 30.97% 24,597 36.85% 24,956 35.99% Accident & Health 35,167 37.72% 39,163 39.83% 24,233 36.30% 25,526 36.82% Homeowners 12,978 13.92% 17,552 17.85% 8,686 13.01% 9,947 14.35% Life & Annuity 5,542 5.94% 6,931 7.05% 5,399 8.09% 5,123 7.39% Miscellaneous 1,811 1.94% 1,991 2.02% 1,968 2.95% 1,526 2.20% Fire, Allied Lines & Commercial Multi-Peril 1,054 1.13% 1,522 1.55% 1,343 2.01% 1,600 2.31% Liability 688 0.74% 713 0.73% 530 0.79% 655 0.94% 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 www.naic.org/jsp/legal_reprints.jsp Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 1 of 6
105 Auto Private Passenger 17,927 15,283 12,751 13,598 107 Auto Group Private Passenger 47 106 82 57 110 Auto Commercial 627 812 604 560 115 Auto Motorcycle 102 106 120 121 120 Auto Motorhome 64 70 56 78 123 Auto Motorsport 7 9 19 9 124 Auto Rental 16 22 12 15 125 Auto State Specific 32 142 49 44 130 Auto Liability 11,126 7,242 6,027 5,955 135 Auto Physical Damage 1,379 1,529 1,111 1,020 137 Auto Collision 1,639 1,671 1,169 1,020 138 Auto Comprehensive 752 923 685 643 140 Auto Medical Payments 172 249 203 217 145 Auto UM/UIM 193 225 192 184 150 Auto No-Fault/PIP 321 393 297 329 151 Auto Personal Effects Coverage 5 4 6 7 152 Auto Policy Proof of Interest 11 6 6 4 153 Auto Rental Reimbursement 200 213 138 143 154 Auto Towing 41 37 43 22 155 Auto JUA Related 4 4 4 4 156 Auto Physical Damage Waiver 4 4 0 1 157 Auto Collision Damage Waiver 8 13 6 14 158 Auto Supplemental Liability 1 1 2 7 159 Auto Personal Passenger 15 72 25 78 160 Auto State Specific 1,291 1,316 986 826 185 Auto Surplus Lines 2 3 4 0 205 Fire, Allied Lines & Commercial Multi-Peril Fire, Allied Lines 54 137 67 118 207 Fire, Allied Lines & Commercial Multi-Peril Crop/Hail 3 8 2 2 210 Fire, Allied Lines & Commercial Multi-Peril Commercial Multi-Peril 410 591 590 673 215 Fire, Allied Lines & Commercial Multi-Peril Credit Property 10 3 7 4 217 Fire, Allied Lines & Commercial Multi-Peril Dwelling Fire 149 179 174 206 218 Fire, Allied Lines & Commercial Multi-Peril Builder's Risk 6 4 4 4 220 Fire, Allied Lines & Commercial Multi-Peril State Specific 11 14 25 31 225 Fire, Allied Lines & Commercial Multi-Peril Liability 122 156 138 150 230 Fire, Allied Lines & Commercial Multi-Peril Theft 20 30 22 20 233 Fire, Allied Lines & Commercial Multi-Peril Windstorm 29 46 27 40 235 Fire, Allied Lines & Commercial Multi-Peril Fire - Real Property 96 160 128 143 240 Fire, Allied Lines & Commercial Multi-Peril Personal Property 20 34 31 31 243 Fire, Allied Lines & Commercial Multi-Peril Residual Mkt./JUA Related 19 16 0 1 245 Fire, Allied Lines & Commercial Multi-Peril State Specific 97 129 126 175 285 Fire, Allied Lines & Commercial Multi-Peril Surplus Lines 8 15 2 2 305 Homeowners Homeowners 6,511 9,029 4,982 5,992 307 Homeowners Group Homeowners 26 42 43 30 310 Homeowners Farmowner/Ranchowner 51 63 74 70 315 Homeowners Mobile Homeowner 135 169 122 151 317 Homeowners Condo/Town 244 253 170 135 318 Homeowners Renters/Tenants 193 261 227 220 320 Homeowners State Specific 36 65 32 54 325 Homeowners Liability 158 200 184 188 330 Homeowners Theft 105 122 122 139 333 Homeowners Earthquake 3 11 10 13 334 Homeowners Flood 37 77 62 108 335 Homeowners Fire - Real Property 692 890 758 805 336 Homeowners Single Interest 2 0 2 5 337 Homeowners Medical Payments 9 13 4 5 Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 2 of 6
338 Homeowners In-home/Incidental Business 1 4 1 0 340 Homeowners Personal Property 305 381 259 259 341 Homeowners Residual Mkt./JUA Related 572 998 2 4 342 Homeowners Replacement Cost 86 107 129 116 343 Homeowners Loss of Use 69 79 57 63 344 Homeowners Windstorm 346 454 478 600 345 Homeowners State Specific 3,381 4,317 962 990 385 Homeowners Surplus Lines 16 17 6 0 Recipient agrees not to market, sell or distribute this data/report without the prior written consent of the NAIC. For reprint permission please see www.naic.org/jsp/legal_reprints.jsp 405 Life & Annuity Individual Life 2,302 3,003 2,469 2,262 410 Life & Annuity Group Life 324 391 316 323 415 Life & Annuity Annuities 420 550 408 443 417 Life & Annuity Group Annuities 16 24 20 28 420 Life & Annuity Credit Life 25 29 33 38 425 Life & Annuity Accelerated Benefits 3 0 1 1 430 Life & Annuity State Specific 38 84 40 56 435 Life & Annuity Accidental Death & Dismemberment 74 85 75 103 440 Life & Annuity Association 2 4 4 3 445 Life & Annuity Equity Indexed 70 99 61 55 450 Life & Annuity Fixed 123 144 79 93 455 Life & Annuity Premium Waiver 13 17 6 9 460 Life & Annuity Single Premium 60 65 65 69 465 Life & Annuity Term 432 519 439 336 470 Life & Annuity Universal 413 478 294 298 475 Life & Annuity Variable 126 105 85 89 480 Life & Annuity Whole 883 1,116 864 754 495 Life & Annuity State Specific 218 218 140 163 505 Accident & Health Individual 10,026 11,290 4,653 4,898 510 Accident & Health Group 6,337 7,818 7,342 8,068 515 Accident & Health Credit 26 51 65 65 517 Accident & Health State Specific 1,108 1,847 1,794 1,743 520 Accident & Health Accident Only 152 167 161 169 521 Accident & Health Grandfathered 123 32 0 0 522 Accident & Health Exchange 1,777 1,080 0 0 523 Accident & Health Pharmacy Benefits 152 76 0 0 524 Accident & Health Catastrophic 15 13 0 0 525 Accident & Health Disability Income 502 629 609 639 526 Accident & Health Bronze 306 222 0 0 527 Accident & Health Silver 767 562 0 0 528 Accident & Health Gold 267 217 0 0 529 Accident & Health Platinum 173 47 0 0 530 Accident & Health Health Only 3,793 4,596 3,005 3,215 Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 3 of 6
531 Accident & Health Small Group 363 53 0 0 532 Accident & Health Large Group 447 68 0 0 533 Accident & Health Child Only 7 2 0 0 534 Accident & Health Multi State 35 38 0 0 537 Accident & Health Stand Alone Dental 259 68 0 0 538 Accident & Health Autism/PDD 36 12 2 2 539 Accident & Health Student Health 17 12 0 0 540 Accident & Health Long-Term Care 522 674 505 655 541 Accident & Health Home Health Care 23 36 33 54 542 Accident & Health Short Term Limited Duration Policy 86 42 1 0 543 Accident & Health Mental Health 92 99 145 97 545 Accident & Health Dental 854 1,180 858 896 546 Accident & Health Occupational Accident 2 14 5 5 547 Accident & Health Limited Benefits 119 205 156 152 548 Accident & Health Chiropractic 14 18 33 27 550 Accident & Health Hospital Indemnity 104 134 107 92 551 Accident & Health Vision 53 52 42 32 552 Accident & Health HIPAA 20 22 6 14 553 Accident & Health Unemployment 1 1 3 10 554 Accident & Health Pre-existing Condition 15 21 13 12 555 Accident & Health Cancer/Dread Disease 180 226 195 261 556 Accident & Health Self Funded/ERISA 427 453 418 228 557 Accident & Health COBRA 37 50 41 44 558 Accident & Health HMO 1,903 2,289 1,108 1,040 559 Accident & Health PPO 2,480 2,832 1,170 1,003 560 Accident & Health State Specific 606 884 652 849 575 Accident & Health Medicare Advantage 194 171 188 95 576 Accident & Health Medicare Prescription Drug/Part D 47 40 22 8 577 Accident & Health Medicare Supplement 341 402 439 543 578 Accident & Health Medicare Select 9 8 14 43 580 Accident & Health Medicare Plan A 12 12 20 30 581 Accident & Health Medicare Plan B 11 17 6 19 582 Accident & Health Medicare Plan C 20 20 18 32 583 Accident & Health Medicare Plan D 21 30 14 22 584 Accident & Health Medicare Plan E 4 0 2 5 585 Accident & Health Medicare Plan F 151 192 210 254 586 Accident & Health Medicare Plan G 20 18 22 18 587 Accident & Health Medicare Plan H 2 2 0 2 588 Accident & Health Medicare Plan I 2 0 3 1 589 Accident & Health Medicare Plan J 15 8 10 17 590 Accident & Health Medicare Plan K 2 0 0 0 591 Accident & Health Medicare Plan L 1 2 0 0 592 Accident & Health Medicare Plan M 0 0 0 0 593 Accident & Health Medicare Plan N 20 21 16 12 594 Accident & Health Medicare Plans Other/Unknown 57 70 110 135 595 Accident & Health Medicare Plans Pre Standardized 12 18 17 20 605 Liability General 342 354 284 357 Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 4 of 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 www.naic.org/jsp/legal_reprints.jsp 610 Liability Products 7 5 6 5 615 Liability Professional E & O 36 32 28 31 617 Liability Umbrella 46 56 58 44 618 Liability Directors & Officers 2 3 4 4 620 Liability State Specific 39 57 20 35 625 Liability Employment Policy 2 6 3 4 630 Liability Excess Loss 9 4 3 5 635 Liability Medical Professional Liability 9 6 5 8 640 Liability Pollution 1 2 1 0 685 Liability Surplus Lines 21 12 3 1 695 Liability State Specific 174 176 115 161 705 Miscellaneous Workers Compensation 1,156 1,177 1,278 657 710 Miscellaneous Fidelity & Surety 68 65 62 65 715 Miscellaneous Ocean Marine 11 8 10 10 720 Miscellaneous Inland Marine 83 116 70 57 725 Miscellaneous Title 96 78 92 111 727 Miscellaneous In Home/Incidental Business 1 2 3 2 730 Miscellaneous Mortgage Guaranty 1 6 3 0 733 Miscellaneous Boiler Machinery 2 0 1 1 734 Miscellaneous PMI 0 2 2 1 736 Miscellaneous Surplus Lines 29 30 16 15 737 Miscellaneous Watercraft 39 44 52 34 738 Miscellaneous Aircraft 1 2 1 6 739 Miscellaneous Bail Bonds 33 50 58 130 740 Miscellaneous Warranty Contract 47 87 69 71 741 Miscellaneous Federal Programs 8 20 10 12 742 Miscellaneous Federal Crop 2 4 3 5 743 Miscellaneous Federal Flood 24 33 26 30 744 Miscellaneous Travel 70 78 35 45 745 Miscellaneous State Specific 140 189 177 274 Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 5 of 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 www.naic.org/jsp/legal_reprints.jsp Database: DSPLP 1990-2015 National Association of Insurance Commissioners. All rights reserved. Page 6 of 6