It’s hard to find any insurance company that doesn’t come with a group of past customers who have nothing but horrific experiences to talk about, and everywhere from the health insurance industry to the auto insurance industry seems to be filled with a group of crooks. For the most part, people seem to have a hard time believing the good intentions of insurance companies because they always say that delivering a profit to their shareholders is more important than anything else. This means that they will do everything in their power to avoid payment when something actually goes wrong in your life.

If you want to get insurance coverage that actually protects you against a disastrous situation, then you may want to avoid the following ten companies that always seem to be getting bad press.

1. Allstate

Allstate is the name that usually pops up first when people are talking about auto insurance companies who do not care about their customers. This is mainly due to a quote from the CEO of Allstate, Thomas Wilson. He stated, “our obligation is to earn a return for our shareholders.” While this actually makes sense from a business perspective, the reality is that almost every customer is going to take this the wrong way. Most people want compassion from an insurance company more than anything else, but that is not something that you will find with Allstate. The company always talks about using a “good hands” approach with their customers, but the reality is that they will fight to the death when they are actually supposed to be helping out their customers who find themselves in situations where they need assistance.

2. Farm Bureau Insurance

Farm Bureau Insurance actually had one of their lawyers mislead a jury in a Michigan auto case. It was a case against an 18-year-old girl who hit a man’s SUV while she was speeding on the dirt shoulder of a road. Although this accident was definitely covered in the fine print of the young girl’s policy, the lawyer attempted to put all the blame on the girl and claim that she should be the one to pay for all the damages. Even though the girl was at fault for the accident, it is still the insurance company’s duty to pay for the damages when there is an accident. The fact that Farm Bureau Insurance tried to mislead a jury into thinking that they did not owe anything is pretty unforgivable.

3. AIG

AIG is actually the biggest insurer in the entire world, but that does not mean that they take care of their individual and business customers. Most of the claims involving AIG talk about the company raising prices in a situation where a crisis has taken place. AIG’s entire business model is based on taking in more money in premiums than they pay out in claims, so they have a profit incentive to avoid paying out claims to their clients as often as possible. AIG has also been touted as “the new Enron” because of recent charges of billions of dollars of fraud at the corporate level.

4. State Farm

State Farm is notorious for delaying claims to their customers for as long as possible. The company actually went as far as to forge signatures after the Northridge earthquake so they wouldn’t have to pay out claims related to the disaster. They have also been accused of altering the engineering data that was coming out of New Orleans after the Hurricane Katrina disaster. In short, it is important to realize that State Farm is going to do everything in their power to make sure that they do not have to make large payments associated with claims for their clients as often as possible. If they cannot avoid making a payout, they will at least dry to delay the payment for as long as humanly possible.

5. Conseco

This is an insurance company that you will definitely want to avoid if you are looking for a long-term care policy. Although this company specializes in long-term care insurance, the reality is that they try to avoid paying out claims for as long as possible. Conseco knows that a certain percentage of their customers are going to die shortly after making a claim, so they try to delay their payments as long as possible. If a customer happens to die, then they will no longer be in a situation where they need to send money to the customer for all their medical needs.

6. Progressive Insurance

Progressive Insurance is the kings of the insurance world when it comes to providing their customers with worthless coverage. Although they talk about expansive coverage in their commercials and sales pitches, the reality is that the fine print does not talk about rather expansive coverage at all. There have been plenty of situations where drivers with Progressive Insurance policies get into horrific accidents where another uninsured driver was at fault. Although Progressive offers uninsured motorist coverage, the reality is that this coverage basically covers nothing when you look at the fine print.

7. Mercury Insurance

Mercury Insurance is the kind of company that is only looking to help their customers if they threaten to sue the company. This is another company that doesn’t want to pay up when it comes to uninsured motorist coverage, and there have been more than a handful of situations where their customers were not going to receive their claims unless they hired an attorney. No one should have to hire a lawyer just to get their insurance company to agree to pay a settlement.

8. AutoCricket

Sometimes an auto insurance company can ruin its reputation by simply not paying its employees or contractors. In the case of AutoCricket, it seems that they routinely hire people to handle leads for them and then never actually pay the people who are closing the deals or generating the leads. The fact that this company tries to avoid paying the people who are bringing in new customers to their business should say volumes about what they would do if they were actually supposed to pay out a claim.

9. Century 21

One of the main tactics that insurance companies like to use it to try to confuse their clients and customers. In one case with Century 21, they actually sent a huge packet of demands for vehicle information to a customer after having coverage for an entire year. When the family involved with the problem tried to contact customer service, they were not able to help them out at all. In fact, the person on the customer service line actually told the client that they get their auto insurance through Allstate because they do not trust their own company.

10. Esurance

Esurance can give people a good education when it comes to cancellation fees. If you get your auto insurance through Esurance, then you need to make sure that you are prepared to stick with them over the long haul. They will not lower your rates if you find a better offer after you sign a contract, and they will charge you a cancellation fee if you decide that you want to switch to another auto insurance provider.