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	565	137	150	278	75
2021	472	114	149	209	51
2020	573	114	169	290	36

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	CIC	1861.03c1	Auto cancellation and nonrenewal	1
2022	Automobile	CCR	2695.7(b)(1)	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	2
2022	Automobile	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	3
2022	Automobile	CIC	11580.011	Coverage for replacement of child passenger restraint system; insurer obligation	1
2022	Automobile	CCR	2632.19	Substantial increase in hazard Insured Against	1
2022	Automobile	CCR	2695.8(f)	Standards for the preparation of auto repair estimates on partial losses.	11
2022	Automobile	CCR	2632.13(e)(2)	Respond in writing to a request for reconsideration of principally at-fault determination within 30 days by an employee other than	1
2022	Automobile	CCR	2695.8(f)(3)	Reasonably adjust the claimant's estimate.	3
2022	Automobile	CCR	2694a5	Failed to respond or did not provide a complete response	7
2022	Automobile	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	2
2022	Automobile	CIC	880	Failure of insurer to use own name	1
2022	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	15
2022	Automobile	CCR	2695.8(e)(4)	Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.	8
2022	Automobile	CCR	2695.7(f)	Insurer shall provide written notice 60 days before expiration of statute of limitations. 30 days prior for UM claim.	1
2022	Automobile	CIC	662	Mailing or delivery of notice of cancellation	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	3.75	4.682	3.87	.83
2022	Homeowners	4.47	3.204	4.62	1.44
2022	Commercial Auto	.03	.567	1.16	2.05
2022	Commercial Multi-Peril	.01	6.727	6.98	1.04

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