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
2018	231	50	68	113	13
2017	270	48	109	113	16
2016	252	53	130	69	15

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
2018	Automobile	CIC	1668i	Conducting business in a dishonest manner	1
2018	Automobile	CIC	481.5d	Unearned premium that the insurer fails to tender shall bear interest at the rate of 10% per annum	1
2018	Automobile	CIC	11580.011	Coverage for replacement of child passenger restraint system; insurer obligation	1
2018	Automobile	CIC	481.5a	Personal Lines - Failure to return premium in a timely manner	1
2018	Automobile	CCR	2695.5b	Must provide complete response to claimant inquiries within 15 calendar days.	1
2018	Automobile	CCR	2695.7c1	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2018	Automobile	CCR	2695.8e4	Must inspect vehicle timely	1
2018	Automobile	CCR	2632.13.1	Eligibility to purchase a Good Driver Discount policy	1
2018	Automobile	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	2
2018	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	2
2018	Automobile	CCR	2695.7d	Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.	1
2018	Automobile	CCR	2695.7b1	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	1
2018	Homeowners	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	2
2018	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	1
2018	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	4
2018	Homeowners	CCR	2360.2	Eligibility guidelines	1
2018	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
2018	Commercial Auto	.00	1.042	.00	.00
2018	Workers Compensation	.00	1.238	5.26	4.25
2018	Personal Auto	1.66	1.678	.62	.37
2018	Commercial Multi-Peril	.00	1.712	.00	.00
2018	Homeowners	1.17	3.033	.99	.33

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