Companies ยท NAIC 23329
Merchants Mutual Insurance Company: complaint record
Merchants Mutual Insurance Company (NAIC company code 23329) appears in public complaint data from the insurance regulator in New York. In New York's auto insurance complaint rankings for complaints closed in 2014 it was ranked 167 of 169 (rank 1 has the fewest upheld complaints for its premiums), with 2 upheld complaints and 8.62 upheld complaints per million dollars of premiums.
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2014 | Merchants Mutual Insurance Company | 167 of 169 | 8.62 | 2 | 2 | 2 | $0.23m |
| 2013 | Merchants Mutual Insurance Company | 169 of 171 | 4.11 | 1 | 2 | 3 | $0.24m |
| 2012 | Merchants Mutual Insurance Company | 169 of 172 | 4.15 | 1 | 4 | 3 | $0.24m |
| 2009 | Merchants Mutual Insurance Company | 59 of 181 | 0.00 | 0 | 7 | 4 | $1.77m |
See the full New York list for complaints closed in 2014
How to read the New York ranking
The Department of Financial Services ranks auto insurers by upheld complaints per million dollars of premiums over a two-year period. A complaint is upheld when DFS agrees with the consumer that the insurer made an inappropriate decision. DFS notes that "only one or two additional upheld complaints per year can have a significant impact on a smaller insurer" and that because every auto insurer is ranked, "some must be at the bottom of each year's list even if every company is performing well." The ranking includes only complaints received by DFS.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
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.