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	734	188	299	247	37
2021	593	161	268	164	32
2020	788	201	379	208	53

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	2694a5	Failed to respond or did not provide a complete response	2
2022	Misc Lines	CIC	481c	Any insurance policy that includes a provision to refund premium other than on a pro rata basis shall provide proper disclosure	1
2022	Automobile	CIC	481.5a	Personal Lines - Failure to return premium in a timely manner	1
2022	Automobile	CCR	2695.7(c)(1)	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2022	Automobile	CCR	2695.8(e)(4)	Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.	1
2022	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	22
2022	Automobile	CIC	663a1	at least 20 days before expiration, the insurer shall deliver a written or verbal offer of renewal, contingent upon payment	1
2022	Automobile	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	6
2022	Automobile	CCR	2695.8(f)(3)	Reasonably adjust the claimant's estimate.	1
2022	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	8
2022	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	1
2022	Liability	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	2
2022	Liability	CCR	2694a5	Failed to respond or did not provide a complete response	1
2022	Misc Lines	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2022	Automobile	CCR	2632.13(e)(1)	Provide written notice of investigation including any principally at-fault determination	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	.96	9.175	1.94	.21
2022	Homeowners	.92	6.879	2.05	.3

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