If you're shopping for new insurance coverage, you should investigate the insurance companies you're considering before you decide to buy coverage from them. Missouri has an Insurance Complaint Index that shows you how insurance companies treat their policy holders and handle claims.
Each insurance company is given an index rating. Receiving a 100 is average. If a company receives a number lower than 100, they are below average on receiving complaints. For numbers above 100, they receive more than the average amount of complaints.
The Consumer Affairs Division (CAD) of the Missouri Department of Insurance mediates complaints. In 2009 the CAD returned a record $14 million to consumers who had been unfairly denied claims or overcharged on premiums.
