California Department of Insurance

    Company Profile

    Company Profile

    Company Complaints

    Company Complaints

    Additional Information

    Additional Information

    Company Complaints

    Company Complaints

    • STATE NATIONAL INSURANCE COMPANY, INC.
    • 1900 L Don Dodson Dr, Bedford, TX 76021-8222

    • 800-877-4567

    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
    202211659174028
    2021523171415
    20206020172316

    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
    2022AutomobileCIC38.6(b)(1)A licensee must obtain consent from the person to opt in for electronic transactions4
    2022AutomobileCCR2632.5c2BiiiBefore renewal an insurer shall provide written notice of expiring mileage figure and renewal mileage figure1
    2022AutomobileCIC381.1(b)(4)At application, issuance, and renewal insurer must provide the years driving experience for each rated driver1
    2022AutomobileCIC1861.02aAuto insurance rates and premiums shall be determined by the application of the following factors in decreasing order of importanc1
    2022AutomobileCCR2695.3(a)File must contain all documents.1
    2022AutomobileCIC38.6(b)(7)If a record is transmitted electronically, a licensee shall maintain a process or system that demonstrates proof of delivery and a1
    2022AutomobileCCR2695.8(e)(4)Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.1
    2022AutomobileCCR2695.5(e)(2)Must supply forms, instructions and assistance within 15 calendar days of claim notification.2
    2022AutomobileCIC655Proof of financial responsibility; filing of certificate1
    2022AutomobileCIC664Proof of mailing as proof of notice2
    2022AutomobileCCR2190.3Required records of agent, broker, or surplus lines broker2
    2022AutomobileCIC38.6(b)(2)(A)The opt in agreement to receive the record by electronic transmission is voluntary2
    2022AutomobileCCR2695.5(e)(3)Upon receiving notice of claim, insurer must begin investigation immediately but in no event more than 15 calendar days later.2
    2022AutomobileCCR2695.7(b)Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim.3
    2022AutomobileCIC661Valid 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

    Year
    Line of Coverage
    Justified Complaint Ratio
    Market Share
    Complaint Share
    Index
    2022Personal Auto30.35.3112.096.7
    2022Workers Compensation0.50100
    2022Commercial Auto0.15800
    2022Commercial Multi-Peril0.57300
    2022Surety and Fidelity0.12100
    If complaint data does not appear for this company, this link will provide you with an explanation.