California Department of Insurance

    Company Profile

    Company Profile

    Company Complaints

    Company Complaints

    Additional Information

    Additional Information

    Company Complaints

    Company Complaints

    • ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY
    • 3100 Sanders Rd Ste 201, Northbrook, IL 60062

    • 800-378-7262

    Company Performance

    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.

    Company Performance Report

    YearClosed 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
    20223721954912858
    20211143736417
    20201403848548

    Violation Study

    Violation Study

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

    Violation Study Report

    YearLine of CoverageLawSectionSummarized Description of Law# of Alleged Violations
    2022AutomobileCCR2695.5(e)(1)Must acknowledge notice of claim within 15 calendar days unless payment is made.2
    2022AutomobileCIC1857Maintenance of records1
    2022AutomobileCCR2695.4(a)Must disclose all benefits, time limits and possible applicable provisions to 1st party claimants.1
    2022AutomobileCCR2695.7(d)Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.6
    2022AutomobileCCR2695.3(b)(2)Must record in the file the date the licensee received, processed, and/or transmitted or mailed all relevant documents.1
    2022AutomobileCCR2632.13(e)An insurer shall diligently pursue a thorough, fair, and objective investigation before determining fault1
    2022AutomobileCCR2632.13(b)An insurer shall not make a determination that a driver is principally at-fault unless the conditions in this subsection are met1
    2022AutomobileCIC11580.011Coverage for replacement of child passenger restraint system; insurer obligation5
    2022AutomobileCCR2694a5Failed to respond or did not provide a complete response12
    2022AutomobileCIC790.03h3Failing to adopt & implement standards for the prompt investigation & processing of claims12
    2022AutomobileCCR2695.3(a)File must contain all documents.3
    2022AutomobileCCR2694a3In contravention of own rules, policies, procedures, guidelines4
    2022AutomobileCCR2695.8(e)(4)Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.4
    2022AutomobileCCR2695.85Insurer must provide Auto Body Repair Consumer Bill of Rights to all automobile liability or collision insurance policyholders.1
    2022AutomobileCIC662Mailing or delivery of notice of cancellation1
    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

    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.

    Comparison Data Report

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