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
2017 83 23 35 25 12
2016 74 25 35 14 14
2015 66 18 38 10 17

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
2017 Automobile CCR 2632.13e1 Insurer shall provide written notice of fault determination 1
2017 Automobile CIC 1857 Maintenance of records 1
2017 Automobile CIC 790.03h15 Misleading a claimant as to the applicable statute of limitations. 1
2017 Automobile CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2017 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2017 Automobile CCR 2695.3a File must contain all documents. 1
2017 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 7
2017 Automobile CIC 11580.2 Uninsured motorist coverage 1
2017 Automobile CIC 663 Policy expiration; delivery or mailing of renewal offer or nonrenewal 1
2017 Automobile CIC 662.a Mailing or delivery of notice of cancellation 1
2017 Automobile CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2017 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2017 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2017 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
2017 Commercial Auto .02 .121 .84 6.94
2017 Commercial Multi-Peril .00 .204 .00 .00
2017 Personal Auto 6.26 .505 .55 1.09
2017 Homeowners 1.64 .550 .31 .56

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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