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
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

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To view the California Insurance Code (CIC), Click here
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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

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