Company Profile
Company Complaint Information

,  

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
2012 158 45 61 52 20
2011 130 33 55 42 9
2010 143 37 57 49 10

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
2012 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 1
2012 Automobile CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2012 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2012 Automobile CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 3
2012 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2012 Automobile CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 5
2012 Automobile CIC 662 Mailing or delivery of notice of cancellation 1
2012 Automobile CIC 1861.03c Non-valid cancellation/nonrenewal for auto 1
2012 Automobile CIC 880 Failure of insurer to use own name 1
2012 Automobile CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2012 Fire CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2012 Fire CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2012 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2012 Homeowners CCR 2695.7g Cannot attempt settlement with unreasonably low offers. See subsections 1-7. 3
2012 Homeowners CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 2
2012 Homeowners CCR 2695.9d Settlement based on written scope and/or estimate prepared by or for the insurer - Standards. 1
2012 Homeowners CIC 1857 Maintenance of records 1
2012 Homeowners CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 2
2012 Homeowners CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 4
2012 Homeowners CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2012 Homeowners CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2012 Homeowners CIC 791.28 Residential Property; Insurer must disclose to insured that it reports claims info to claims info database. 3
2012 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 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
2012 Commercial Multi-Peril .23 .106 2.56 24.15
2012 Personal Auto 3.63 1.291 1.58 1.22
2012 Homeowners 2.59 2.656 1.62 .61
2012 Surety and Fidelity .00 5.042 .00 .00

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
Copyright © California Department of Insurance