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
2018	127	26	33	68	9
2017	52	10	26	16	5
2016	75	17	42	16	14

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
2018	Automobile	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	1
2018	Automobile	CIC	11580.011	Coverage for replacement of child passenger restraint system; insurer obligation	2
2018	Automobile	CCR	2695.7b1	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	1
2018	Automobile	CCR	2695.3a	File must contain all documents.	1
2018	Disability	CIC	880	Failure of insurer to use own name	1
2018	Misc Lines	CCR	2695.7b3	Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.	1
2018	Misc Lines	CCR	2695.7b1	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	3
2018	Misc Lines	CIC	790.03a	Misrepresenting terms of a policy	1
2018	Misc Lines	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	1
2018	Misc Lines	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	2
2018	Misc Lines	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	1
2018	Misc Lines	CIC	790.03h1	Misrepresenting facts or policy provisions.	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
2018	Commercial Multi-Peril	.00	.215	.00	.00
2018	Commercial Auto	.01	.966	1.77	1.83
2018	Surety and Fidelity	.00	1.222	.00	.00
2018	Workers Compensation	.00	1.433	.00	.00

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