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
2022 41 7 7 27 5
2021 42 9 15 18 8
2020 108 24 37 47 30

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
2022 Automobile CCR 2695.8(f)(3) Reasonably adjust the claimant's estimate. 1
2022 Automobile CCR 2695.7(b)(1) Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2022 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 1
2022 Fire CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 1
2022 Homeowners CCR 2695.183(g)(2) requires insurers to include the Section 2695.183(a) information in the dwelling replacement cost estimates 1
2022 Homeowners CIC 2051.5(b)(1)(A) Insured has at least 12 months from date of first ACV payment to collect full replacement cost, subject to the policy limit. 1
2022 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 1
2022 Homeowners CCR 2360.2 Eligibility guidelines 1
2022 Homeowners CCR 2695.183(a) Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate. 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
2022 Personal Auto 4.32 .156 .15 .95
2022 Commercial Auto .00 .180 .00 .00
2022 Homeowners 3.32 .478 .51 1.07
2022 Commercial Multi-Peril .01 2.532 2.33 .92

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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