|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|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
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|
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