|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|Year||Line of Coverage||Law||Section||Summarized Description of Law||# of Alleged Violations|
|2020||Misc Lines||CCR||2694a5||Failed to respond or did not provide a complete response||2|
|2020||Misc Lines||CIC||790.03h3||Failing to adopt & implement standards for the prompt investigation & processing of claims||3|
|2020||Misc Lines||CIC||880||Failure of insurer to use own name||12|
|2020||Misc Lines||CCR||2695.3a||File must contain all documents.||4|
|2020||Misc Lines||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||3|
|2020||Misc Lines||CCR||2695.7b3||Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.||6|
|2020||Misc Lines||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||49|
|2020||Misc Lines||CCR||2695.7b||Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.||2|
|2020||Misc Lines||CCR||2695.5e1||Must acknowledge notice of claim within 15 calendar days unless payment is made.||3|
|2020||Misc Lines||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||1|
|2020||Misc Lines||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||5|
|2020||Misc Lines||CCR||2695.7h||Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations.||1|
|2020||Misc Lines||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||2|
|2020||Misc Lines||CIC||790.02||Engaging in trade practice defined as unfair method of competition prohibited||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
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|
|2020||Surety and Fidelity||.00||1.292||.00||.00|
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