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
2016 74 25 35 14 14
2015 66 18 38 10 17
2014 60 18 34 8 12

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
2016 Automobile CIC 491 Increase in premium for accident not at fault in any manner 1
2016 Automobile CCR 2632.13f2 Determination of fault: insurer obtains and relies on subscribing loss underwriting exchange carrier data as outlined 1
2016 Automobile CCR 2695.8b Must apply standards when evaluating auto total loss claims-see Regulations. 2
2016 Automobile CIC 790.03h5 Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. 1
2016 Automobile CCR 2632.13e1 Insurer shall provide written notice of fault determination 1
2016 Automobile CCR 2695.7f Written notice before 60 days of expiration of statute of limitations on bodily injury claims. 3
2016 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2016 Automobile CIC 1861.05 Approval of insurance rates 1
2016 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 3
2016 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2016 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2016 Homeowners CCR 2694a4 In contravention of or inconsistent with policy/contracts 1
2016 Homeowners CIC 481.5a Personal Lines - Failure to return premium in a timely manner 1
2016 Homeowners CIC 481.5d Unearned premium that the insurer fails to tender shall bear interest at the rate of 10% per annum 1
2016 Liability 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
2016 Commercial Auto .03 .097 .69 7.11
2016 Commercial Multi-Peril .00 .188 .00 .00
2016 Personal Auto 6.84 .472 .53 1.12
2016 Homeowners 3.68 .510 .53 1.04

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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