Company Complaint Information

Company Profile



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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.