Customer Complaints and Additional Information

Company Performance

In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year	Closed Complaints (TOTAL of Categories 1-3)	Category 1: Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.	Category 2: Complaints found to be without Merit	Category 3: Complaints with Other Outcomes	Category 4: Justified Complaints
2022	140	48	38	54	17
2021	147	24	65	58	11
2020	270	62	100	108	21

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated

Year	Line of Coverage	Law	Section	Summarized Description of Law	# of Alleged Violations
2022	Automobile	CCR	2695.7(b)(3)	Must notify claimant that claim denial can be reviewed by the California Department of Insurance.	1
2022	Homeowners	CCR	2360.2	Eligibility guidelines	1
2022	Automobile	CCR	2695.3(a)	File must contain all documents.	1
2022	Automobile	CIC	880	Failure of insurer to use own name	1
2022	Automobile	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	2
2022	Automobile	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	1
2022	Automobile	CCR	2695.5(b)	Must provide complete response to claimant inquiries within 15 calendar days.	2
2022	Automobile	CCR	2695.7(d)	Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.	1
2022	Homeowners	CIC	675.1(b)(1)	Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a	1
2022	Homeowners	-	00	CALIFORNIA INSURANCE CODE	1
2022	Homeowners	CIC	1861.03c	Non-valid cancellation/nonrenewal for auto	1
2022	Homeowners	CIC	678(c)(1)	Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must c	3
2022	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	5
2022	Homeowners	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	1
2022	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	1

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year	Line of Coverage	Justified Complaint Ratio	Market Share	Complaint Share	Index
2022	Personal Auto	2	1.012	.45	.44
2022	Workers Compensation	0	1.187	0	0
2022	Homeowners	4.46	1.782	2.56	1.44
2022	Commercial Auto	.02	.95	1.16	1.22
2022	Commercial Multi-Peril	0	1.612	0	0

If complaint data does not appear for this company, this link will provide you with an explanation.

Company Profile

Company Profile

Company Complaints

Company Complaints

Additional Information

Additional Information

Company Complaints

Company Complaints

Company Performance

Company Performance

Company Performance Report

Violation Study

Violation Study

Violation Study Report

Comparison Data

Comparison Data

Comparison Data Report