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	69	26	19	24	10
2019	48	21	12	15	9
2018	55	14	21	20	5

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	CIC	880	Failure of insurer to use own name	1
2020	Homeowners	CIC	880	Failure of insurer to use own name	1
2020	Homeowners	CCR	2695.3a	File must contain all documents.	1
2020	Homeowners	CCR	2695.7d	Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.	1
2020	Homeowners	CCR	2695.7b	Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.	1
2020	Homeowners	CCR	2695.7b3	Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.	1
2020	Homeowners	CIC	14046(b)	Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant	1
2020	Homeowners	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	1
2020	Homeowners	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	1
2020	Homeowners	CIC	791.28	Residential Property; Insurer must disclose to insured that it reports claims info to claims info database.	2
2020	Homeowners	CCR	2695.5b	Must provide complete response to claimant inquiries within 15 calendar days.	2
2020	Homeowners	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	1
2020	Misc Lines	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	1
2020	Misc Lines	CCR	2695.7h	Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations.	2

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	2.93	1.720	1.35	.78

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