Company Complaint 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 | 8 | 2 | 5 | 1 | 2 |
| 2021 | 11 | 5 | 1 | 5 | 5 |
| 2020 | 2 | 0 | 2 | 0 | 0 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Automobile | CIC | 1872.81 | Additional special purpose assessment; expenditures | 1 |
| 2022 | Automobile | CIC | 38.6(b)(2)(E) | The opt in agreement needs to include the licensee's contact information with at least a toll-free number or Internet Web address | 1 |
| 2022 | Automobile | CIC | 1872.8 | Annual special purpose assessment; distribution of proceeds; duties of Fraud Division | 1 |
| 2022 | Automobile | CIC | 381.1(b)(7) | At application, issuance and renewal insurer must provide policyholder with a list of all driver-related discounts applied | 1 |
| 2022 | Automobile | CIC | 381.1(b)(5) | At application, issuance and renewal insurer must provide policyholder with vehicle use (pleasure, commute, business, etc.) | 1 |
| 2022 | Automobile | CIC | 381.1(b)(2) | At application, issuance, and renewal insurer must disclose the number of at-fault accidents that apply to the rated driver(s) | 1 |
| 2022 | Automobile | CIC | 381.1(b)(3) | At application, issuance, and renewal insurer must provide estimated annual mileage for each vehicle | 1 |
| 2022 | Automobile | CIC | 381.1(b)(8) | At application, issuance, and renewal insurer must provide policyholder with the vehicle-related discounts or surcharges applied | 1 |
| 2022 | Automobile | CIC | 381.1(b)(4) | At application, issuance, and renewal insurer must provide the years driving experience for each rated driver | 1 |
| 2022 | Automobile | CIC | 381.1(b)(6) | At application, issuance, and renewal insurer must Provide Zip Code of the location where the vehicle is garaged, if different fro | 1 |
| 2022 | Automobile | CIC | 381.1(b)(1) | At application, issuance, renewal insurer must disclose the number of incidents that apply to traffic convictions of rated drivers | 1 |
| 2022 | Automobile | CCR | 2360.0b | Bears no reasonable relationship to risk of loss | 1 |
| 2022 | Automobile | CCR | 2632.5c2Biii | Before renewal an insurer shall provide written notice of expiring mileage figure and renewal mileage figure | 1 |
| 2022 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2022 | Automobile | 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 | 1 |
| 2022 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2022 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 1 |
| 2022 | Automobile | CIC | 663 | Policy expiration; delivery or mailing of renewal offer or nonrenewal | 1 |
| 2022 | Automobile | CIC | 396(b)(1) | Provide policyholder within 30 days of inception with the notice of the right to designate one additional person to receive a noti | 1 |
| 2022 | Automobile | CCR | 2632.13(e)(1) | Provide written notice of investigation including any principally at-fault determination | 1 |
| 2022 | Automobile | CCR | 2695.8(c) | Reopen file if notified within 35 calendar days that ACV too low to purchase comparable car. | 1 |
| 2022 | 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 | 1 |
| 2022 | Automobile | CIC | 38.6(b)(4) | The email address of the person who has consented to electronic transmission shall be set forth on the consent disclosure. | 1 |
| 2022 | Automobile | CIC | 1874.8 | Annual special assessment - funding and grants | 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 |
|---|
If complaint data does not appear for this company, this link will provide you with an explanation.
Copyright © California Department of Insurance
