Company Complaint Information

Company Profile



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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
2020	60	18	15	27	4
2019	87	27	23	37	15
2018	67	20	23	24	7

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
2020	Automobile	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	1
2020	Homeowners	CIC	14046(b)	Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant	2
2020	Homeowners	CCR	2695.183(a)(5)(	The Replacement Cost Estimate shall incluce whether the structure is located on a slope	1
2020	Homeowners	CIC	10095(h)	Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan	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
2020	Personal Auto	.49	.691	.11	.16
2020	Homeowners	2.97	.850	.67	.79

If complaint data does not appear for this company, this link will provide you with an explanation.