Company Complaint Information
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| 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 |
|---|---|---|---|---|---|
| 2024 | 224 | 52 | 104 | 68 | 9 |
| 2023 | 279 | 71 | 100 | 108 | 13 |
| 2022 | 230 | 62 | 104 | 64 | 20 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2024 | Fire | CIC | CIC 678.1(b) | A notice of nonrenewal shall be in writing and delivered/mailed to producer and insured and comply with Section 1013 of Code of Civil Procedure. | 1 |
| 2024 | Homeowners | CIC | 38.6(b)(10)(A) | If the company receives info that the electronic records was not received, within five business days either contact the insured to confirm info or resend the document by regular mail. | 1 |
| 2024 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 2 |
| 2024 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2024 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
| 2024 | Homeowners | CIC | 38.6(b)(7) | If a record is transmitted electronically, a licensee shall maintain a process or system that demonstrates proof of delivery and actual receipt of the record by the person. | 1 |
| 2024 | 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 comply with CCP 1013 if mailed. | 1 |
| 2024 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 4 |
| 2024 | Homeowners | CCR | 2695.3(b)(3) | Must maintain claim files that are accessible, legible and capable of duplication to hard copy for current and preceding 4 years | 1 |
| 2024 | Liability | CIC | 678.1(c) | Commercial policy nonrenewal notice must be provided at least 60 days but no more than 120 in advance; reasons provided if nonrenewed or to conditional renewal. | 1 |
| 2024 | Misc Lines | CCR | 2695.7(d) | Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. | 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 | JustifiedComplaint Ratio | Market Share | Complaint Share | Index |
|---|---|---|---|---|---|
| 2024 | Commercial Auto | .00 | .753 | .00 | .00 |
| 2024 | Commercial Multi-Peril | .02 | .962 | 3.03 | 3.15 |
| 2024 | Homeowners | 2.57 | 1.825 | .45 | .25 |
| 2024 | Surety and Fidelity | .00 | 2.212 | .00 | .00 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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