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
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.


Last Revised - December 03, 2007 11:57 AM
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