Company Complaint Information

Company Profile



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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
2020	788	201	379	208	53
2019	796	214	326	256	93
2018	734	158	329	247	67

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
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

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
2020	Homeowners	2.62	6.723	4.72	.70
2020	Personal Auto	1.22	8.904	3.49	.39

If complaint data does not appear for this company, this link will provide you with an explanation.