As a personal injury attorney in Corpus Christi, Texas I deal with insurance companies all the time. I also have clients and friends ask me the Million Dollar Question, “What insurance company is the best?” All I am able to do is give them MY personal opinion of what companies I believe are the fairest to their customers AND which ones are the easiest to deal with on a day to day basis. Below I have listed in order my ranking of insurance companies based on those two factors:
Recommend
-
- Texas Farm Bureau
- Nationwide
- Farmers
- Amica
- State Farm
- Nationwide
- The Hartford
- Liberty Mutual
- Metlife
- Safeco
The companies listed above I recommend to friends, family, and clients. In my opinion, they are the best companies to deal with and they’re the fairest. Then you have ones that are what I call “neutral”. These are not bad insurance companies if the price is right. Those companies are:
Neutral
- Geico
- USAA
Then there are the ones I recommend clients do not purchase. Those include:
Not Recommend
- Allstate
- Progressive
- Esurance
The ones listed above are in MY opinion difficult to deal with can at times be very unreasonable.
Lastly, there are companies that typically specialize in “minimum policies”. A minimum policy in Texas is $30,000.00 per person capped at $60,000.00 per accident. The most common companies that specialize in minimum policies are:
Minimum Policy Insurance Companies
- Fred Loya
- The General
- Old American County Mutual
- Gainsco
- Elephant
- Blackhawk
- Aggressive
- Mercury
- Acceptance
- Pronto
- ACCC
I do not recommend these companies. However, they are very inexpensive. If you’re on a budget you may want to purchase one of these. While they may not be recommended, I would choose one of the minimum policy companies over Allstate, Progressive, or Esurance.
It is important to keep in mind this is only my opinion as an attorney. Although I’ve been practicing for years now, other attorneys may have other experiences with these companies that would shift the listings above.
When choosing who is going to cover you for insurance, it is important to do extensive research on the companies before choosing. I can only give you my personal opinion as to who to obtain in the case of an accident. It is up to you as the insured to make the final decision.
If you or someone you know has any questions about personal injuries please do not hesitate to contact our office at 361-882-4357 or email me at sstratso@herrmanandherrman.com
CONTACT HERRMAN & HERRMAN IF YOU HAVE BEEN INJURED IN ANY OF THE FOLLOWING TYPES OF ACCIDENTS:
We can help you if you have been harmed by the following:
- Car accidents – Our lawyers have extensive experience handling car accident cases. We will work to identify the party or parties at fault for the crash and build a case to demonstrate persuasively how the parties caused the accident and your injuries. We will seek fair and full compensation through a negotiated settlement or at trial if necessary.
- Truck accidents – Thousands of large commercial trucks travel the roads of Texas every single day. Unfortunately, careless truck drivers and trucking companies disregarding safety put innocent people at risk of serious injuries. If you’ve been injured in a truck accident, let our experienced Texas personal injury lawyers stand up to the trucking companies and insurers on your behalf.
- Motorcycle accidents – Motorcycle riders often suffer grievous injuries in crashes caused by other motorists. Too many motorcycle accidents in Corpus Christi are caused by careless drivers who don’t look for motorcycle riders or violate their right of way. Our personal injury lawyers will work to cut through the bias and stigma against motorcycle riders. Our goal is to seek the financial compensation that you’ll need to recover from a serious motorcycle accident and injuries such as bone fractures, road rash, or traumatic brain injury.
- Product liability – Product manufacturers have a legal obligation to make products that are safe for their intended uses and to warn consumers of any risks that may come with the product. When products have design or manufacturing defects or undisclosed dangers, the product manufacturer may be legally responsible for injuries suffered by consumers. Our attorneys can help you evaluate whether you have a valid product liability claim.
- Brain injury – Brain injuries can leave accident victims with disabilities that leave them unable to work or perform many tasks of daily living. Seeking compensation for a brain injury in an accident often proves incredibly complex. The brain injury survivor may seek compensation for anticipated future medical care and the medical care already provided. Our personal injury lawyers can help you through the difficult recovery process following a brain injury and will fight to make sure you have the resources you need.
- Spinal injury – Spinal cord injuries could cost millions of dollars of care over the course of the victim’s lifetime, especially when those injuries result in partial or complete paralysis, such as paraplegia or quadriplegia. If you or your loved one has suffered a spinal cord injury, you deserve compassionate legal representation. Our attorney can help you determine whether you may be entitled to claim compensation for your injury and expenses related to living with the disability, such as making a home more accessible.
- Wrongful death – If you have lost a loved one due to the negligent or reckless actions of another party, your family deserves to seek accountability and compensation from those at fault for the wrongful death. Our caring and dedicated attorneys can help guide you and your family through this difficult and painful time and seek justice for your loved one.
