Company Profile
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
2021 11 5 1 5 5
2020 2 0 2 0 0

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
2021 Automobile CIC 1872.81 Additional special purpose assessment; expenditures 2
2021 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 2
2021 Automobile CIC 1874.8 Annual special assessment - funding and grants 2
2021 Automobile CIC 1872.8 Annual special purpose assessment; distribution of proceeds; duties of Fraud Division 2
2021 Automobile CIC 381.1(b)(7) At application, issuance and renewal insurer must provide policyholder with a list of all driver-related discounts applied 2
2021 Automobile CIC 381.1(b)(5) At application, issuance and renewal insurer must provide policyholder with vehicle use (pleasure, commute, business, etc.) 2
2021 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) 2
2021 Automobile CIC 381.1(b)(3) At application, issuance, and renewal insurer must provide estimated annual mileage for each vehicle 2
2021 Automobile CIC 381.1(b)(8) At application, issuance, and renewal insurer must provide policyholder with the vehicle-related discounts or surcharges applied 2
2021 Automobile CIC 381.1(b)(4) At application, issuance, and renewal insurer must provide the years driving experience for each rated driver 2
2021 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 2
2021 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 2
2021 Automobile CCR 2360.0b Bears no reasonable relationship to risk of loss 1
2021 Automobile CCR 2632.5c2Biii Before renewal an insurer shall provide written notice of expiring mileage figure and renewal mileage figure 1
2021 Automobile CIC 11580.011 Coverage for replacement of child passenger restraint system; insurer obligation 2
2021 Automobile CIC 11580.15 Discount Disclosure 2
2021 Automobile CCR 2360.2 Eligibility guidelines 2
2021 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2021 Automobile CCR 2695.3a File must contain all documents. 1
2021 Automobile CIC 1861.025 Good driver discount policy 2
2021 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 2
2021 Automobile CIC 460 Inception hour 2
2021 Automobile CIC 663 Policy expiration; delivery or mailing of renewal offer or nonrenewal 1
2021 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 2
2021 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. 2
2021 Automobile CCR 2632.5a An automobile class plan shall establish the calculation of rating factors in accordance with this section & CIC Section 1861.02 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
2021 Personal Auto 71.55 .024 .46 19.17

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


Last Revised - December 03, 2007 11:57 AM
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