HORACE MANN INSURANCE COMPANY

Evaluate Texas Auto Insurance by HORACE MANN INSURANCE COMPANY

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Total Policies

1,830

(2023)

Total Complaints

9

2018-Present

Confirmed Complaints

5

2018-Present
2023: 1

Complaint Index

9.69

Resolution Time Distribution

3

Under 30 Days

0

30-60 Days

2

60-90 Days

4

Over 90 Days

Complaint Sources

Monthly Auto Insurance Complaint Trends

Auto Coverage Type Analysis

Coverage Type	Complaints	Resolution Time
Individual Private Pass	8	83.0 days
Business Auto	1	103.0 days
Truckers Policy	0	0.0 days
Other	0	0.0 days

Resolution Success Factors

What Makes a Successful Claim?

Complete documentation improves success rate by 40%
Early reporting (within 24 hours) speeds up resolution
Regular follow-up reduces resolution time by 25%
Written communication maintains better record

Best Practices

Document Everything

Photos, videos, and written records

Report Promptly

Within 24 hours of incident

Follow Up

Every 5-7 days on open claims

Keep Records

All communication and expenses

Recent Complaints & Resolutions

Date	Type	Coverage	Resolution	Time	Status
Jan. 2, 2023	Premium	Automobile	Failure to Timely Respond	Pending	Confirmed
June 16, 2021	Claim Delays	Automobile	Claim Settled	Pending	Not Confirmed
Oct. 13, 2020	Claim Denial	Automobile	Company Position Upheld; Contract Language/Legal Issue; Information Furnished	Pending	Not Confirmed
Oct. 8, 2020	Premium	Automobile	Corrective Action Taken; Contract Language/Legal Issue; Premium Refunded	Pending	Confirmed
Nov. 12, 2019	Claim Delays	Automobile	Corrective Action Taken; Additional Monies Received	Pending	Confirmed
Aug. 20, 2018	Claim Denial	Automobile	Question of Fact; Entered Into Arbitration	Pending	Not Confirmed
June 25, 2018	Claim Delays	Automobile	Claim Settled	Pending	Confirmed
Jan. 9, 2018	Settlement	Automobile	Contract Language/Legal Issue	Pending	Not Confirmed
Jan. 3, 2018	Claim Delays	Automobile	Corrective Action Taken; Additional Monies Received; Claim Settled	Pending	Confirmed

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Understanding Key Metrics

Resolution Rate

Percentage of complaints successfully resolved

Good: >80%
Average: 60-80%
Poor: <60%

Resolution Time

Average days to resolve complaints

Fast: <30 days
Moderate: 30-60 days
Slow: >60 days

Confirmed Complaints

Issues verified by Texas Department of Insurance
Lower percentage is better

Coverage Types Explained

Individual Private Pass (90.9%): Standard personal auto insurance
Business Auto (7%): Commercial vehicle coverage
Truckers Policy (1%): Specialized trucking coverage
Other (1.1%): Includes motorcycle, RV, and specialty vehicles

Common Complaint Types

Primary Issues

Claims Delays (32%)
Slow processing or response
Customer Service (28%)
Communication issues
Settlement Issues (16%)
Disputed amounts
Claim Denials (14%)
Coverage disputes

Resolution Factors

Documentation
Complete records improve success by 40%
Timing
Early reporting speeds resolution
Communication
Regular follow-up helps
Professional Help
When to involve an attorney

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Additional Resources

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Last Updated: March 14, 2025

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Contact Information

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Email: contact@autochecktexas.com

Data Source: All complaint data is sourced directly from the Texas Department of Insurance's public records and is updated periodically.

Accuracy

Accuracy of the calculated metrics is not guaranteed
These metrics do not make any claims about the reliability/customer experience of the insurance provider
Calculated metrics may not capture the nuances that is required to make a insurance decision. Please take the guidance of an experienced insurance consultant.

Data Interpretation

Complaint ratios are calculated based on available data and may not represent all customer experiences
Resolution times are averages and individual cases may vary significantly
Confirmed complaints are those verified by TDI investigation
Coverage distributions reflect only reported complaints, not total policies

Metrics and Calculations

Resolution rates include both "Additional Monies Received" ,"Premium Refunded", "Claim Settled","Corrective Action Taken" outcomes
Average resolution times exclude pending complaints
Performance scores are weighted based on multiple factors
Trend calculations use rolling 12-month periods

Important Notes

This website does not sell insurance products or receive compensation from insurance companies
Comparisons and rankings are based solely on complaint data analysis
Data may not be current or complete
We cannot verify the accuracy of individual complaint details

Not Legal or Insurance Advice

The information provided on this website is for informational purposes only and should not be construed as legal or insurance advice. Always consult with qualified professionals for advice specific to your situation.

Updates

Data is updated periodically from TDI records
Some information may be delayed or incomplete
Company names and structures may change over time
Historical data may not reflect current company practices

Advertising Disclosure

This website contains advertisements but maintains editorial independence. Advertisement placement does not influence our analysis or presentation of complaint data.

Consumer Notice: Insurance choices should not be based solely on complaint data. Consider coverage options, prices, and your specific needs when selecting an insurance provider.

Last updated: March 14, 2025