Company Complaint Information
| MANHATTAN NATIONAL LIFE INSURANCE COMPANY | |||
| PO BOX 5420 | |||
| CINCINNATI, OH 45201 | |||
| 800-767-6542 | |||
| 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 | 79 | 20 | 20 | 39 | 15 |
| 2023 | 62 | 24 | 9 | 29 | 8 |
| 2022 | 57 | 29 | 13 | 15 | 14 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2024 | Automobile | CIC | 1861.03c1 | Auto cancellation and nonrenewal | 1 |
| 2024 | Automobile | CCR | 2695.8(f) | Standards for the preparation of auto repair estimates on partial losses. | 1 |
| 2024 | Automobile | CCR | 2632.5c2Bii2 | Default mileage may be used if insurer lacks sufficient info for reasonable estimate. Default figure must be filed and approved | 1 |
| 2024 | Automobile | CCR | 2632.5c2Biii | Before renewal an insurer shall provide written notice of expiring mileage figure and renewal mileage figure | 4 |
| 2024 | 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 who made the original determination | 1 |
| 2024 | Automobile | CCR | 2632.13(e)(1) | Provide written notice of investigation including any principally at-fault determination | 1 |
| 2024 | Automobile | CIC | 660(e)(3) | Notification of renewal with an affiliated insurer shall state the insured may obtain in writing the reasons for the change in insurers if requested within the timeframes specified. | 4 |
| 2024 | Automobile | CIC | 660(e)(1) | Notification of renewal with an affiliated insurer shall state it will not offer a renewal with the present insurer. | 4 |
| 2024 | Automobile | CIC | 660(e)(2) | Notification of renewal with an affiliated insurer shall state it is offering replacement with an affiliated insurer. | 4 |
| 2024 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 2 |
| 2024 | Automobile | CCR | 2695.8(e)(4) | Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time. | 2 |
| 2024 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 2 |
| 2024 | Homeowners | CCR | 2644.9(k)(1) | Insurer shall provide policyholder/applicant the range of scores or classification that could possibly be assigned to any policyholder or applicant. | 2 |
| 2024 | Homeowners | CCR | 2644.9(k)(3) | Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification. | 2 |
| 2024 | Homeowners | CCR | 2644.9(h)(3) | Insurer shall provide policyholder with risk score or classification at least 75 days prior to nonrenewal. | 2 |
| 2024 | Homeowners | CCR | 2644.9(i) | Insurer shall provide information regarding right to appeal; receive and respond to policyholder/applicant appeals within the specified timelines. | 2 |
| 2024 | Homeowners | CCR | 2360.2 | Eligibility guidelines | 3 |
| 2024 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2024 | Homeowners | CCR | 2644.9(k)(2) | Insurer shall provide policyholder/applicant the relative position of the score or classification and the impact on the rate or premium. | 1 |
| 2024 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
| 2024 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 3 |
| 2024 | Homeowners | CCR | 2644.9(k)(3)(A) | Insurer shall provide to the policyholder/applicant which mitigation measure(s) can be taken to lower the score or classification. | 2 |
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 | Homeowners | 19.11 | .205 | .37 | 1.83 |
| 2024 | Personal Auto | 11.61 | .291 | .65 | 2.23 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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