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
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.


Last Revised - December 03, 2007 11:57 AM
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