Chii chinonzi "A" Rated Insurance Company?
Kazhinji, kambani ye "A" yakarongwa neinishuwarenzi inofungidzirwa seyo inoita pamusoro pemashandi ayo mune creditworthiness (inokwanisa kubhadhara chikwereti uye kubhadhara chero zvipi zvayo zvinowanikwa) uyewo kuti inoita sei mari kana ichienzaniswa nevezera ravo.
Pakati pemasangano makuru ekuenzanisa, vazhinji vanopa zviyero kubva pa "A" kana pamusoro pane "C" kana "D" kukosha (C kana D kuonekwa kunofungidzirwa kuti haina simba.)
Ndiani Anoda "A" Rated Insurance Company?
Izvo zvakanyanya kusimba kwemari yekambani yeinishuwarenzi, zvinowanzove kuti hazvizogoni kushayikwa kwemari uye zvichida kunyange kutovhara magonhi aro. Iwe unoda kambani yaunogona kuvimba nayo kuti uve nepamunenge apo inonyanya kudiwa. Kune vamwe vatengesi, havakwanise kupedzisa basa kunze kwekuti vangave vakaratidza kuti vane inshuwarisi yekugadzirisa kuburikidza ne "A" yakatarwa mutakuri sechibvumirano chechibvumirano.
Zvose "A" Kuongororwa hakusi Izvozvo
Makambani eInishurenzi anowana simba ravo rezvemari kubva kune masangano emishuwarenzi ayo anonyatsoongorora uye kuongororai mari yekambani inoshanda yekare, yezvino uye yeramangwana. Zvimwe zvezvinhu zvakakosha zvinoshandiswa kugadzirisa kuwedzerwa kwekambani ye inshuwarisi inosanganisira mari yezvemari, inonzi mari yekubhadhara, kushandiswa kwebhizimisi uye kambani yekambani uye maitiro ekutungamirira.
Sangano rega rega rinoshandisa inshuwarisi rinoshandisa mazano aro ekugadzirisa zviyero zvakasiyana zvekusimbisa kwemari uye kukosha kwavo.
Sezvo iwe ungangodaro wakambofungidzirwa, zvose "A" kuongororwa hazvienzaniswi kana zvasvika kumakambani ehurumende. Ichokwadi, zvichienderana nekambani yekambani yaunotarisa, inogona kuva nezvidimbu zvakasiyana-siyana zve "A" kuverenga, zvose zvine zvinoreva zvishoma.
Iwe unogona kuongorora kuongororwa mune zvakadzama uye tsanangudzo imwe neimwe pawebsite yeUnited Rating Organization:
- AM Best :
- Fitch :
- Moody's :
- Gwaro & Dambudziko re :
Rwendo rwevamwe "A" Rated or Better Insurance Companies
Urongwa uhwu hauna kutarisirwa kuti uve wakakwana uye kune vakawanda vakawanda vane rated inshuwalisi vatakuri kune avo vakanyorwa pasi apa. Zvisinei, kana iwe uri mukuvhima kwekanakisisa pane inshuwarisi , apa pane zvimwe zvepamusoro "A" inotarisirwa kana kuti zviri nani makambani emishuwarenzi angave akakodzera kuongorora:
AIG : Am Best: "A" rating; Fitch: "A" rating; Moody's: "A1" rating; "Standard & Poor's:" A + "nhamba. AIG anonyora inshuwarano yehupenyu, njodzi uye yehutano inshuwarheni, mortgage yunivhesiti, kufamba inshuwarisi, uye dzimwe nhumbi dzakawanda uye kuurawa kwehushandi yemishonga.
GEICO : AM Best: "A ++" rating; Dhauriro & Dzakashata: "AA +" rating. GEICO anonyora motokari, pfuma uye bhizinesi yveshuwarisi pamwe chete nemimwe michina yemishonga yemaambura, hupenyu, kufamba, kune dzimwe nyika, kudzivirirwa kwekuzivikanwa, pfu uye jewelry inshuwarisi.
Kufambira mberi : AM Best: "A +" rating; Muchidimbu Nezvakaipa: "AA" rating; Fitch "AA" rating. Achifambira mberi anonyora magwaro ehutano uye ezvokutengeserana kusanganisira auto, motokari, vagari vemba, vatengesi, hupenyu, hutano, mutengesi wemabhizimisi uye chikepe inshuwarisi.
Vafambi : AM Best: "A" chikwata kana pamusoro pekambani dzose dzeVatambi; Fitch "AA"; Moody's: "Aa2"; Muchidimbu Nezvakaipa: "AA." Vafambi vanonyora mitsara yakawanda inosanganisira zvinotevera: inshuwarisi yega- Auto , Homeowner , Condo, Renters, Mafashamo, Bhuti & Yacht, Umbrella, Wedding & Private Events, Kuzivikanwa Kwekubiridzira Kudzivirirwa uye Zvinhu zvinokosha. Bhizinesi uye Inhu Inoshuwarenzi Injodzi: Bhizimisi reMabhizimisi, Bhoiler & Mashini, Inishuwarenzi Yezvokuchengetedzwa Kwemagariro, Inishuwarenzi Yakawandisa, Global Products, Nyika dzeIndia, Inland Marine, National Property, Ocean Marine, Commercial Auto, Umbrella uye Vashandi Kupihwa.
USAA : USAA inopa inshuwarisi kune nhengo dzebasa reuto reUnited States. AM Best rates USAA se "A ++" Mukuru. USAA inonyora moto, motokari, vagari vemba, upenyu uye inshuwalhu yehutano uye inopawo mabhizinesi uye masangano ekutsvaga mari.
The Hartford : AM Best: "A"; Fitch: A +; Moody's: A2; Muchidimbu & Zvakaipa ndezvekuti: A. Hartford inopa inshuwarisi uye zvigadzirwa zvemari kune mabhizinesi maviri uye vanhu pachavo kusanganisira: Auto Insurance (kune vanhu mumwe nomumwe uye kugoverwa kwevashandirwi neAARP ), Bhizimisi veVhizimisi veBhizimusi, Kubhadhara Vashandi, Kuremara Kwemapoka eVanhu, Kuda Kwemabhizimisi, Mafashamo Emagetsi , Bhuku reMabhizimisi, Dhizinesi Rekuchengetedzwa Kwemashoko, Fleet Insurance, General Liability, Global Insurance, Surety & Fidelity Bonds, Marine Inishuwarenzi, Vaimba VeInishuwarenzi, Chikoro Chekuchengetedza Mari, Mazano Avashandi, Vashandi Vekurasikirwa Mazano, Life Insurance Mutual Funds, Purogiramu Yakachengeteka, Bhizimisi Purogiramu, Kupa Kwevashandi, Boka Hupenyu Kuremara, Zvemabhizimisi Auto, Mafashamo Ezvokutengeserana, Mahofisi Emabhizimisi, Kudzivirirwa Kwemashoko, Fleet Insurance, General Liability, Global Insurance, Surety & Fidelity Bonds uye Marine Inishuwarenzi.
MetLife : AM Best - A + Superior; Moody's Investor Service - Aa3 (High Quality neKudhadzika Kwazvo Kwekwereta); Pasi & Poor's (S & P) - AA- (S & P's Second Highest Rating). MetLife inopa hupenyu hwehushandi yemishandisi yemishonga, mazino, hurema, annuities, auto uye home inshuwarisi. Mukuwedzera, inopa mishonga yemari kusanganisira retirement rekugadzirira, mortgage services uye upfumi hwekutarisira mabasa.
Purazi Bureau: Zvose Mapurisa Mapurisa anotambira uye A (Excellent) kubva ku AM Best. Purazi Bureau inopa motokari, imba uye inshuwarano yehupenyu mune zvekuwedzera kune wekutsvaga uye nezvemari. Imba uye kuurayiwa kwehushandi yemishonga inowanika muA AZ , IA , KS , MN , NE , NM , SD uye UT . Inishuwarenzi yeupenyu uye annuity products inowanikwa muA AZ , IA , ID , KS , MN , MT , ND , NE , NM , OK , SD , UT , WI uye WY.
State Farm : AM Best: A ++ (Superior); Dhauriro & Dambudziko re: AA yero. State Farm inopa inshuwalisi yeimba yemusha , renster inshuwarisi , inshuwarisi yechipu, motokari yemaishu, inshuwarisi yehupenyu uye mabhizinesi nemari yemari kuburikidza nevanoshanda vayo muUnited States.
Hanover : AM Best: "A" Zvakanaka; S & P: "A-"; Moody's: A3. Hanover inopa zvekutengeserana, huwandu hwehutano uye yehuturi yemishandisi yemishandisirwo kusanganisira: Gwaro Rezvemhosva, Bhizimisi Wemabhizimisi, Pfuma, Zvemabhizimisi Auto, Umbrella, Mvumo yeVashandi, Mvura, Mhirizhonga Yehutungamiri, Mutoro Wekuchengetedza, Zvekuchengetedza, Kutengeserana Kwemabhizimisi uye Kuwedzerwa, Pfuma Yezvimwe Chepfumi, Utano , Auto, Vimba Veimba, Ndege, Zviko zvinokosha zveMunhu, Umbrella, Kuziva Kubata Inishuwarenzi uye Inishuwarenzi Yokugara / Moto.
Erie Insurance : Eric Insurance is "A +" Kambani yakakodzwa ne AM Best. Inopa auto, vagari veimba, pfuma & mvumo, upenyu uye bhizinesi yveshuwarisi. Inopawo chirongwa chekuchengetedza basa rekuchengetedza mari uye annuities. Erie Insurance inowanika muDunhu reColumbia: Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia uye Wisconsin.
American Family Insurance : American Family Insurance ine "A" Yakanaka kwazvo na AM Best. Inopa motokari, imba, hupenyu, bhizinesi, purazi / ranch uye renster inshuwarheni mune 19 dzinotaura.
Amica Mutual Inishuwarenzi : Amica Mutual Insurance inonzi "A ++" Superior kuburikidza ne AM Best. Inopa motokari, vagari vemusha, mvumo yega uye inshuwarano yehupenyu muUnited States yose.
Nyika yose : AM Best "A +" Superior; Moody's: "A1"; Muchidimbu Nezvakaipa: "A +." Nyika yose inonyora motokari, chikepe, motokari, vagari vemba, vatengesi, hupenyu, boka rezvechiremba, bhizinesi, pet uye hupfumi yehupfumi muSouth America.
Rusununguko Mutual : AM Best: "A" Zvakanaka; Mutevedzeri & Urombo: "A" Simba; Moody's: "A2" Zvakanaka. Inishuwarenzi yemiti inopiwa kuburikidza neRuberty Mutual inosanganisira varidzi vemba, motokari, motokisi, zvekutengeserana uye dzekuremara kweboka.
Zvose zvinoreva iwe
An "A" kana kuti zviri nani kune kambani ye inshuwarisi yakakosha kwauri semutengi wehushuwarisi nekuti inobatsira iwe kutonga kuti makambani anoita zvakanakisisa munzvimbo yechikwereti uye izvo zvichave zvakapoteredza paunenge uchitsvaga munguva dzisinganzwisisiki uye dzinoedza. Zvechokwadi, nepo hukuru hwakanyanya hwemari yehutano chinhu chinokosha pakusarudza iyo yunivhesiti yeinishuwarenzi ingave yakakunakira iwe, kune zvimwewo zvimwe zvinhu zvinofanira kufunga nezvazvo sevashandi vebasa, zvakanakisisa kune mutengo uye kugutsikana kwevanhu vose.
Kune mamiriyoni emasangano pamwe nekushambadzirwa kwemasangano ehurumende anogona kukubatsira kuti uwane mufananidzo wakazara wekambani yehushuwarisi yekushanda kusanganisira Ward's Top 50-imhosva yekutengesa makambani , Comdex Ranking , JD Power & Associates , Better Business Bureau, Insure.com's People's Sarudzo Mikana , uye The American Customer Satisfaction Index (ACSI) . Iyo yakawanda yemashandisi aunayo, zvakanyatsokwanisa kuti iwe uwane rubatsiro rwakakwana rwehutano iwe nemhuri yako.