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 | 407 | 99 | 182 | 126 | 30 |
2021 | 336 | 97 | 143 | 96 | 44 |
2020 | 342 | 103 | 123 | 116 | 28 |
Violation Study |
Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
---|---|---|---|---|---|
2022 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
2022 | Automobile | CCR | 2695.5(e)(2) | Must supply forms, instructions and assistance within 15 calendar days of claim notification. | 1 |
2022 | Automobile | CCR | 2632.13(e)(2) | Respond in writing to a request for reconsideration of principally at-fault determination within 30 days by an employee other than | 1 |
2022 | Automobile | CCR | 2695.3(a) | File must contain all documents. | 1 |
2022 | Automobile | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
2022 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 3 |
2022 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 3 |
2022 | Fire | CIC | 679.5 | Proof of mailing property insurance | 1 |
2022 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
2022 | Homeowners | 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. | 1 |
2022 | 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 c | 5 |
2022 | Homeowners | CIC | 790.03h5 | Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. | 1 |
2022 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 2 |
2022 | Homeowners | CIC | 676.1 | Homeowners cancellation based solely on licensed family day care home | 1 |
2022 | Homeowners | CCR | 2695.7(b)(1) | Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. | 3 |
2022 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 9 |
2022 | Homeowners | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 2 |
2022 | Homeowners | CIC | 675.1(b)(1) | Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a | 3 |
2022 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 11 |
2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 10 |
2022 | Misc Lines | CIC | 481.5b | Other than personal lines - Failure to return premium in a timely manner | 1 |
2022 | 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 |
---|---|---|---|---|---|
2022 | Personal Auto | 3.54 | .191 | .15 | .78 |
2022 | Commercial Multi-Peril | .02 | 1.159 | 2.33 | 2.01 |
2022 | Commercial Auto | .01 | 1.807 | 1.16 | .64 |
2022 | Homeowners | 3.49 | 5.702 | 6.41 | 1.12 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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