Scott O’Sullivan

I’m not going to pull any punches: there are some crappy, devious insurance companies out there and they often victimize their own clients. Insurance companies hide money, refuse to share paperwork that they are legally obligated to share, neglect to return phone calls, deny valid claims and generally make life hell for the people they are supposed to protect.

So, which companies are the worst insurance companies in America? I’m going to share two lists with you. One is from a report released by the American Association for Justice. The second is from my the attorneys in my office. Read on! I think you’ll be surprised by what you learn.

The American Association for Justice’s Report

The 28-page report released by the AAJ doesn’t mince words. Right in the introduction, you can find their “top ten” list of the worse insurance companies:

  • Allstate
  • Unum
  • AIG
  • State Farm
  • Conseco
  • WellPoint
  • Farmers
  • United Health
  • Torchmark
  • Liberty Mutual

Clearly the AAJ was looking at all kinds of insurance, including health insurance. My team (whose thoughts I’ll share below), zeroed in on the worst car and motorcycle insurance companies. I encourage you to read the full AAJ report, which goes into much more detail on each company. While it will probably make you very angry, it will open your eyes to the horrible tactics used by the very companies that are supposed to protect us when we are at our most vulnerable.

Colorado’s Worst Car and Motorcycle Insurance Companies

Now, let’s bring it home. After reading the report above, I gathered the O’Sullivan attorneys together and took an informal poll, asking them their opinions on the worst car and motorcycle insurance companies in Colorado. Both Cara New and Eli Ohlhausen were as forthcoming as the AAJ report. Here’s what we determined…

The Worst (in no particular order):

  • Fred Loya
  • Allstate
  • Geico
  • State Farm
  • Farmers
  • American Family
  • USAA
  • Read on for our true stories about some of these awful insurance companies.

Fred Loya

Fred Loya is a predatory company, taking advantage of low-income Coloradans. Even in cases that would be open-and-shut for any other insurance company, Fred Loya forces victims (their own clients!) to sue them in court.


Allstate does absolutely everything in its power to deny claims. In fact, Allstate has been taken to court multiple times for its illegal tactics.


This company is in the business of selling policies and not paying claims. Geico’s policyholders and their victims rarely get full policy limits unless they are represented by an aggressive attorney. It’s no wonder their mascot is a lizard, as their tactics are reptilian.

State Farm

State Farm does everything in its power to avoid paying, going so far as to expose their clients to lawsuits. Further, State Farm also hides policy information, stalls and delays.

Is There Anyone You Can Trust?

I asked my team what insurance companies they trust and (after some deep sighs) they reluctantly said these are the best:

  • Nationwide
  • Chub
  • Amica
  • SafeCo
  • Progressive (This company is “hit or miss.” Often, you have to sue them in order to get full policy limits.)

However, remember that being the “best” in an industry that is plagued by unethical behavior doesn’t necessarily make these companies trustworthy. If you are ever in a car or motorcycle accident in Colorado, you should seek an attorney’s advice before ever speaking to an insurance representative.

If you have any questions about this article or if you think your insurance company is giving you the run-around, please contact us today: 303-388-5304,