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 407 99 182 126 30
2021 336 97 143 96 44
2020 342 103 123 116 28

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 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.


Last Revised - December 03, 2007 11:57 AM
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