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 |
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.
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