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 734 188 299 247 37
2021 593 161 268 164 32
2020 788 201 379 208 53

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 2694a5 Failed to respond or did not provide a complete response 2
2022 Automobile CCR 2632.13(e)(1) Provide written notice of investigation including any principally at-fault determination 1
2022 Automobile CIC 481.5a Personal Lines - Failure to return premium in a timely manner 1
2022 Automobile CCR 2695.7(c)(1) Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2022 Automobile CCR 2695.8(e)(4) Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time. 1
2022 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 22
2022 Automobile CIC 663a1 at least 20 days before expiration, the insurer shall deliver a written or verbal offer of renewal, contingent upon payment 1
2022 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 6
2022 Automobile CCR 2695.8(f)(3) Reasonably adjust the claimant's estimate. 1
2022 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 8
2022 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 1
2022 Liability CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2022 Liability CCR 2694a5 Failed to respond or did not provide a complete response 1
2022 Misc Lines CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2022 Misc Lines CIC 481c Any insurance policy that includes a provision to refund premium other than on a pro rata basis shall provide proper disclosure 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 Homeowners .92 6.879 2.05 .30
2022 Personal Auto .96 9.175 1.94 .21

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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