|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|Year||Line of Coverage||Law||Section||Summarized Description of Law||# of Alleged Violations|
|2020||Automobile||CCR||2695.3a||File must contain all documents.||1|
|2020||Automobile||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||2|
|2020||Automobile||CIC||790.03h3||Failing to adopt & implement standards for the prompt investigation & processing of claims||2|
|2020||Automobile||CCR||2632.5c2Bi||During the renewal process (at least every 3 yrs) the insurer shall request estimated mileage and commute info & service records||1|
|2020||Automobile||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||1|
|2020||Automobile||CCR||2695.7b||Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.||2|
|2020||Automobile||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||4|
|2020||Automobile||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||24|
|2020||Automobile||CIC||664||Proof of mailing as proof of notice||1|
|2020||Automobile||CCR||2695.7d||Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.||1|
|2020||Automobile||CCR||2695.8b||Must apply standards when evaluating auto total loss claims-see Regulations.||1|
|2020||Homeowners||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||1|
|2020||Homeowners||CCR||2695.7b3||Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.||1|
|2020||Homeowners||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||1|
|2020||Homeowners||CCR||2695.3a||File must contain all documents.||2|
|2020||Homeowners||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||2|
|2020||Homeowners||CIC||10095.7(b)||An applicant who is denied, or policyholder who is cancelled or non-renewed, shall be provided with information regarding the depa||8|
|2020||Homeowners||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||12|
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
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|
Copyright © California Department of Insurance