You can look at sites like A.M.Best for ratings, but mostly it's been listening to what people say. Try using prompts like "does xxx pay claims fairly" to see

You can look at sites like A.M.Best for ratings, but mostly it's been listening to what people say. Try using prompts like "does xxx pay claims fairly" to see what you get. There are only a few which get positive responses: Amica, American Family, The Hartford, and a few more. Of course, much of what you hear is {dramatic}"I can't believe it's taking this long to fix my car" - which is natural. But then you hear stories about a company using a customer's photos from the accident scene to build up a repair estimate, and not sending an adjuster to look at the car once it is at the shop and on a lift. There is always going to be additional damage, commonly from the tow. But there may be damage that shows up once a bumper skin or other cover is removed. The insurance companies are also low-balling the repair shops. An hourly rate on repairing a Mercedes is (perhaps) $200/hr. If the insurance company is only willing to pay $50/hr ("That's our standard rate") the shop is either going to turn down the work, or take shortcuts like using low-quality parts or junior technicians to make up the difference.