Company Complaint Information
| SAFE DRIVER MOTOR CLUB, INC. | |||
| 333 CITY BOULEVARD | |||
| ORANGE, CA 92868 | |||
| 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 |
|---|---|---|---|---|---|
| 2023 | 969 | 198 | 302 | 469 | 137 |
| 2022 | 565 | 137 | 150 | 278 | 75 |
| 2021 | 472 | 114 | 149 | 209 | 51 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2023 | Automobile | CIC | 11580.26 | Insured must be offered collision waiver/uninsured motorists property damage | 1 |
| 2023 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 13 |
| 2023 | Automobile | CCR | 2695.3(a) | File must contain all documents. | 1 |
| 2023 | Automobile | CIC | 790.03h3 | Failing to adopt & implement standards for the prompt investigation & processing of claims | 3 |
| 2023 | Automobile | CCR | 2694a5 | Failed to respond or did not provide a complete response | 7 |
| 2023 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 2 |
| 2023 | Automobile | CCR | 2632.19b1 | Substantial increase in hazard, 30 day request requirement for information | 1 |
| 2023 | Automobile | CCR | 2695.8(f) | Standards for the preparation of auto repair estimates on partial losses. | 2 |
| 2023 | Automobile | CCR | 2695.8(f)(3) | Reasonably adjust the claimant's estimate. | 1 |
| 2023 | Automobile | CCR | 2632.13(e)(1) | Provide written notice of investigation including any principally at-fault determination | 1 |
| 2023 | Automobile | CIC | 790.03h5 | Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. | 1 |
| 2023 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 3 |
| 2023 | Automobile | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 5 |
| 2023 | Automobile | CCR | 2695.7(h) | Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. | 3 |
| 2023 | Automobile | CCR | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 2 |
| 2023 | Automobile | CCR | 2695.7(d) | Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. | 2 |
| 2023 | Automobile | CCR | 2695.8(e)(4) | Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time. | 2 |
| 2023 | Fire | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
| 2023 | Fire | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2023 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 2 |
| 2023 | Fire | CIC | 679.7 | Failed to provide loss runs in a timely manner | 1 |
| 2023 | Homeowners | CIC | 38.6(b)(4) | The email address of the person who has consented to electronic transmission shall be set forth on the consent disclosure. | 1 |
| 2023 | Homeowners | CCR | 2644.9(j) | An agent or broker shall receive and forward appeals to the insurer within the specified timeframes; insurer must respond to appeals within the specified timelines. | 1 |
| 2023 | 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 |
| 2023 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 1 |
| 2023 | Homeowners | CIC | 38.6(b)(9) | If record not delivered directly to the electronic address designated by the person, the insurer must inform of the location in plain, clear and in conspicuous language. | 1 |
| 2023 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2023 | Homeowners | CCR | 2644.9(k)(3)(A) | Insurer shall provide to the policyholder/applicant which mitigation measure(s) can be taken to lower the score or classification. | 87 |
| 2023 | Homeowners | CCR | 2644.9(k)(3)(B) | Insurer shall provide the policyholder/applicant the amount of premium reduction that would be realized as a result of performing each mitigation measure. | 93 |
| 2023 | Homeowners | CCR | 2644.9(k)(2) | Insurer shall provide policyholder/applicant the relative position of the score or classification and the impact on the rate or premium. | 90 |
| 2023 | Homeowners | CCR | 2644.9(k)(3) | Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification. | 86 |
| 2023 | Homeowners | CCR | 2644.9(h)(3) | Insurer shall provide policyholder with risk score or classification at least 75 days prior to nonrenewal. | 1 |
| 2023 | Homeowners | CCR | 2644.9(h)(2) | Insurer shall provide policyholder with risk score or classification at least 45 days prior to renewal. | 70 |
| 2023 | Homeowners | CCR | 2644.9(h)(1) | Insurer shall provide applicant with risk score or classification no later than 15 days after submission of completed application. | 1 |
| 2023 | Homeowners | CCR | 2695.3(a) | File must contain all documents. | 1 |
| 2023 | Homeowners | CIC | 1861.05 | Approval of insurance rates | 1 |
| 2023 | Homeowners | CIC | 880 | Failure of insurer to use own name | 1 |
| 2023 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 9 |
| 2023 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 17 |
| 2023 | Homeowners | CIC | 1668j | Incompetency and exposing public to danger of loss | 1 |
| 2023 | Homeowners | CIC | 679.5 | Proof of mailing property insurance | 1 |
| 2023 | Misc Lines | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 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 |
|---|---|---|---|---|---|
| 2023 | Commercial Auto | .03 | .529 | 1.15 | 2.17 |
| 2023 | Homeowners | 24.05 | 3.392 | 13.91 | 4.10 |
| 2023 | Personal Auto | 1.99 | 4.531 | 2.48 | .55 |
| 2023 | Commercial Multi-Peril | .01 | 6.787 | 7.14 | 1.05 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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