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
2024 500 144 216 140 27
2023 273 72 70 131 18
2022 175 48 42 85 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
2024 Automobile CCR 2632.13(e)(2) Respond in writing to a request for reconsideration of principally at-fault determination within 30 days by an employee other than who made the original determination 1
2024 Automobile CIC 11580.011 Coverage for replacement of child passenger restraint system; insurer obligation 2
2024 Automobile CCR 2695.7(b)(1) Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 2
2024 Automobile CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 1
2024 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 2
2024 Automobile CCR 2695.3(a) File must contain all documents. 1
2024 Automobile CCR 2632.13(e)(1) Provide written notice of investigation including any principally at-fault determination 1
2024 Automobile CIC 790.03h2 Failing to acknowledge and act promptly upon communications. 1
2024 Automobile CCR 2632.19b1 Substantial increase in hazard, 30 day request requirement for information 1
2024 Automobile CIC 880 Failure of insurer to use own name 1
2024 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2024 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 4
2024 Fire CCR 2695.7(c)(1) Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2024 Fire CCR 2695.7(b)(3) Must notify claimant that claim denial can be reviewed by the California Department of Insurance. 1
2024 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2024 Fire CIC 880 Failure of insurer to use own name 1
2024 Fire CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2024 Fire CCR 2694a5 Failed to respond or did not provide a complete response 2
2024 Fire CCR 2695.7(b) Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. 1
2024 Fire CIC 10095(h) Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan 1
2024 Fire CIC 791.28 Residential Property; Insurer must disclose to insured that it reports claims info to claims info database. 1
2024 Fire CIC 679.5 Proof of mailing property insurance 1
2024 Fire CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 1
2024 Fire CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 1
2024 Homeowners CCR 2694a1 Noncompliance with specific provision(s) of CIC, CCR, etc. 1
2024 Homeowners CIC 678(c)(1) Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must comply with CCP 1013 if mailed. 3
2024 Homeowners CIC 678(a)(1)(B)(i) Notice of nonrenewal shall contain the specific reason(s) for the nonrenewal. 1
2024 Homeowners CIC 664 Proof of mailing as proof of notice 1
2024 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 2
2024 Homeowners CIC 679.5 Proof of mailing property insurance 1
2024 Homeowners CCR 2695.7(h) Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2024 Homeowners CIC 2060(a) Requirement to provide a list of covered items when insured made a claim for additional living expenses under a homeowners policy. 1
2024 Homeowners CIC 10095(h) Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan 1
2024 Homeowners CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 1
2024 Homeowners CCR 2695.183(g)(2) requires insurers to include the Section 2695.183(a) information in the dwelling replacement cost estimates 1
2024 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 3
2024 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 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
2024 Commercial Multi-Peril .00 .140 .00 .00
2024 Surety and Fidelity .00 .170 .00 .00
2024 Personal Auto 3.05 1.217 .71 .59
2024 Homeowners 5.24 2.237 1.12 .50

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