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
2024 1140 296 522 322 57
2023 960 242 353 365 48
2022 734 188 299 247 37

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
2024 Automobile CIC 1861.05 Approval of insurance rates 1
2024 Automobile CIC 663a1 at least 20 days before expiration, the insurer shall deliver a written or verbal offer of renewal, contingent upon payment 1
2024 Automobile CCR 2695.7(b) Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. 3
2024 Automobile CIC 663 Policy expiration; delivery or mailing of renewal offer or nonrenewal 1
2024 Automobile CIC 678(a)(1)(B)(i) Notice of nonrenewal shall contain the specific reason(s) for the nonrenewal. 1
2024 Automobile CIC 790.03h5 Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. 1
2024 Automobile CCR 2695.5(e)(2) Must supply forms, instructions and assistance within 15 calendar days of claim notification. 1
2024 Automobile CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 4
2024 Automobile CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 3
2024 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2024 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 5
2024 Automobile CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 3
2024 Automobile CCR 2695.3(a) File must contain all documents. 1
2024 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 25
2024 Automobile CCR 2695.7(d) Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 3
2024 Automobile CCR 2695.7(f) Insurer shall provide written notice 60 days before expiration of statute of limitations. 30 days prior for UM claim. 1
2024 Automobile 03 JUSTIFIED COMPLAINT REGULATIONS 1
2024 Automobile CCR 2695.4(a) Must disclose all benefits, time limits and possible applicable provisions to 1st party claimants. 1
2024 Automobile CCR 2695.7(c)(1) Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2024 Homeowners CCR 2695.183(e) Licensee shall annually take necessary steps to keep replacement cost current 1
2024 Homeowners CIC 678(c)(1) Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must comply with CCP 1013 if mailed. 1
2024 Homeowners CIC 880 Failure of insurer to use own name 1
2024 Homeowners CCR 2695.7(b)(3) Must notify claimant that claim denial can be reviewed by the California Department of Insurance. 2
2024 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 1
2024 Homeowners CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 1
2024 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 14
2024 Homeowners CIC 1861.01c Violation of prior approval rating law 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
2024 Homeowners 1.87 7.527 1.35 .18
2024 Personal Auto 1.30 10.155 2.53 .25

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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