# Atlas Commons research objects — carrier quality profile for AMERICAN ROAD INSURANCE COMPANY, THE (NAIC 19631) — context brief

Insurer-quality data for AMERICAN ROAD INSURANCE COMPANY, THE (NAIC 19631): confirmed complaint counts and complaints-per-1,000-policies rate (TX DOI / NAIC, RECORDED and DERIVED), surety certification status (Treasury C570, RECORDED), California direct premium written (CA DOI, RECORDED) and California direct loss ratio (CA DOI, DERIVED). Epistemic status of each figure is labeled. This surface informs; it does not rank or advise. Verify license at your state DOI before purchasing. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **AMERICAN ROAD INSURANCE COMPANY, THE had 1 confirmed complaint in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **AMERICAN ROAD INSURANCE COMPANY, THE had 984 TX policies in force in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **AMERICAN ROAD INSURANCE COMPANY, THE is listed on the U.S. Treasury Circular 570 (certified surety companies)** — RECORDED · U.S. Treasury Circular 570 (certified surety companies) (https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/)
- **AMERICAN ROAD INSURANCE COMPANY, THE wrote $15,095,794 in California direct premiums across AGGREGATE WRITE-INS FOR OTHER LINES, COMMERCIAL AUTO LIABILITY, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **AMERICAN ROAD INSURANCE COMPANY, THE's California direct loss ratio is 14.6%** — DERIVED · California DOI Market Share Report (Atlas Commons derivation) (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **What this carrier quality profile is — and is NOT — for AMERICAN ROAD INSURANCE COMPANY, THE (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/19631)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/19631.jsonld` · anatomy of the research object: see /commons/the-research-object

**AMERICAN ROAD INSURANCE COMPANY, THE (NAIC 19631) — every quality indicator (typed)** (6): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 1 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 984 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**AMERICAN ROAD INSURANCE COMPANY, THE — lines of insurance covered in complaint data (RECORDED)** (1): Automobile…
**AMERICAN ROAD INSURANCE COMPANY, THE — lines written in California (RECORDED)** (3): AGGREGATE WRITE-INS FOR OTHER LINES; COMMERCIAL AUTO LIABILITY; TOTALS…