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	270	62	100	108	21
2019	194	45	54	95	26
2018	231	50	68	113	13

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	2632.5c1A	Class plan rating factor -first mandatory factor - determined from the public record of traffic violation convictions from the DMV	1
2020	Automobile	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	1
2020	Automobile	CIC	880	Failure of insurer to use own name	1
2020	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2020	Automobile	CCR	2695.7b1	Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.	1
2020	Automobile	CIC	11580.011	Coverage for replacement of child passenger restraint system; insurer obligation	1
2020	Automobile	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	1
2020	Fire	CCR	2695.7f	Written notice before 60 days of expiration of statute of limitations on bodily injury claims.	1
2020	Fire	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	CCR	2695.183(a)	Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate.	1
2020	Homeowners	CCR	2695.183(i)	Licensee shall maintain a record of information supplied by the applicant or insured used to generate the estimate.	1
2020	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	3
2020	Homeowners	CIC	880	Failure of insurer to use own name	1
2020	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	1
2020	Homeowners	CCR	2360.2	Eligibility guidelines	11
2020	Homeowners	CIC	675.1a	Adjustment to limits after a total loss, during reconstruction	1
2020	Homeowners	CIC	678(c)(1)	For nonrenewals on or effective July 1, 2020, an insurer shall deliver to the named insured a notice of non-renewal at least 75 da	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	Commercial Auto	.00	1.098	.00	.00
2020	Workers Compensation	.00	1.162	.00	.00
2020	Personal Auto	1.07	1.279	.44	.34
2020	Commercial Multi-Peril	.00	1.687	2.94	1.74
2020	Homeowners	5.87	2.288	3.60	1.57

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