Direct General Ins Co of MS
Major Rating Factors:
Fair long-term capitalization index (4.3 on a scale of 0 to 10) based on fair current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range during the last year. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Vulnerable liquidity (2.9) as a spike in claims may stretch capacity.
Other Rating Factors:
Fair overall results on stability tests (3.5) including excessive premium growth. Good overall profitability index (5.1). Excellent expense controls.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (99.9%), homeowners (0.1%)
Licensed in:
KY, MS
Principal Investments:
Investment grade bonds (78.2%), other (21.8%)
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
450 W. Hanes Mill Road
Winston-Salem, NC 27105
Winston-Salem, NC 27105
Phone Number
(800) 526-0332
NAIC Number
10889
Website
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