Insurer guides
How major insurers handle PI claims.
Each carrier has its own claim-handling playbook. Knowing the playbook is the difference between accepting the first offer and getting the case actually paid.
- State Farm~17% of US personal auto premium (NAIC 2023) — the largest US auto insurer.
- GEICO~13% of US personal auto premium (NAIC 2023) — second largest.
- Progressive~14% of US personal auto premium (NAIC 2023).
- Allstate~10% of US personal auto premium (NAIC 2023).
- USAA~6% of US personal auto premium (NAIC 2023).
- Liberty Mutual~5% of US personal auto premium (NAIC 2023).
- Farmers~4% of US personal auto premium (NAIC 2023).
- Nationwide~2.5% of US personal auto premium (NAIC 2023).
- Travelers~2% of US personal auto premium (NAIC 2023); much larger in commercial lines.
- American Family~2% of US personal auto premium (NAIC 2023).