Companies ยท NAIC 42722
American Modern Property and Casualty Insurance Company: complaint record
American Modern Property and Casualty Insurance Company (NAIC company code 42722) appears in public complaint data from the insurance regulators in Texas, Indiana, Michigan, California, Illinois and Oregon. In Texas auto insurance in 2025, it had 0 confirmed complaints and 8,325 policies in force, a complaint index of 0.00 (no confirmed complaints). In Texas homeowners insurance in 2025, it had 4 confirmed complaints and 77,675 policies in force, a complaint index of 0.41 (fewer confirmed complaints than the market average for its size). In Indiana auto insurance in 2023, it had 1 complaint on $1,729,945 of premiums, a complaint index of 10.33. In Indiana homeowners insurance in 2025, it had 1 complaint on $32,843,451 of premiums, a complaint index of 0.35. In Michigan auto insurance in 2025, it had 1 complaint on $3,746,322 of premiums written, 0.27 complaints per $1 million. In Michigan homeowners insurance in 2025, it had 12 complaints on $47,988,017 of premiums written, 0.25 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 8,325 |
| 2024 | 0.00 | 0 | 9,765 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.41 | 4 | 77,675 |
| 2024 | 0.42 | 3 | 88,322 |
Compare with other homeowners insurers in Texas
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2023 | 10.33 | 1 | $1,729,945 |
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2023
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | 0.35 | 1 | $32,843,451 |
| 2024 | 1.21 | 2 | $25,825,191 |
| 2023 | 0.82 | 1 | $16,384,674 |
| 2022 | 1.27 | 1 | $13,034,056 |
See the full Indiana homeowners list for 2025
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | American Modern Property and Casualty Insurance Company | 0.27 | 1 | $3,746,322 |
| 2024 | American Modern Property and Casualty Insurance Company | 0.28 | 1 | $3,624,011 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | American Modern Property and Casualty Insurance Company | 0.25 | 12 | $47,988,017 |
| 2024 | American Modern Property and Casualty Insurance Company | 0.15 | 6 | $39,877,405 |
| 2023 | American Modern Property and Casualty Insurance Company | 0.25 | 8 | $32,097,644 |
See the full Michigan homeowners list for 2025
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| California | Homeowners | 2025 (2026 study) | American Modern Property and Casualty Insurance Company | Rank 17 of 50, 2.0 justified per 100,000 | 2 justified | Full list |
| Illinois | Homeowners | 2025 | American Modern Property & Casualty Ins Co | 0.3608 complaints per $1M earned premium | 6 | Full list |
| Illinois | Homeowners | 2024 | American Modern Property & Casualty Ins Co | 0.7530 complaints per $1M earned premium | 11 | Full list |
| Illinois | Homeowners | 2023 | American Modern Property & Casualty Ins Co | 0.4533 complaints per $1M earned premium | 5 | Full list |
| Oregon | Auto | 2025 | American Modern Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2024 | American Modern Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2023 | American Modern Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2022 | American Modern Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2025 | American Modern Property and Casualty Insurance Company | Complaint index 0.46 | 1 confirmed of 23 | Full list |
| Oregon | Homeowners | 2024 | American Modern Property and Casualty Insurance Company | Complaint index 1.21 | 2 confirmed of 19 | Full list |
| Oregon | Homeowners | 2023 | American Modern Property and Casualty Insurance Company | Complaint index 3.46 | 3 confirmed of 11 | Full list |
| Oregon | Homeowners | 2022 | American Modern Property and Casualty Insurance Company | Complaint index 2.14 | 1 confirmed of 3 | Full list |
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
How to read the Michigan complaint ratio
The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".
How to read the California complaint study
The California Department of Insurance ranks large insurers by justified complaints per 100,000 earned exposures (auto and homeowners) or per 100,000 mean policies in force (individual life). CDI counts a complaint as justified under the definitions in California Insurance Code section 12921.1. The study covers the top 50 companies in each line and counts complaints closed in each year.
How to read the Illinois complaint ratio
The Illinois Department of Insurance lists companies with 5 or more complaints in a line (3 or more for annuities in 2025). For auto and homeowners the ratio is complaints per $1 million of Illinois direct earned premium. For life and health it is complaints per 10,000 policies in force, and for annuities per 10,000 certificates in force. Illinois changed how it counts complaints in 2023 and says "caution should be exercised when comparing complaint counts to prior years".
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- California Department of Insurance, Consumer Complaint Study, 2026 edition
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 to 2025)
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.