|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|
|2012||Automobile||CCR||2695.8b||Must apply standards when evaluating auto total loss claims-see Regulations.||1|
|2012||Automobile||CCR||2694a5||Failed to respond or did not provide a complete response||4|
|2012||Automobile||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||5|
|2012||Automobile||CCR||2695.3a||File must contain all documents.||1|
|2012||Automobile||CCR||2632.19f||No substantial increase in hazard exists if insured excludes non-qualifying driver||1|
|2012||Automobile||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||1|
|2012||Automobile||CIC||381.1||Automobile rating information disclosure when issuing and renewing policy||1|
|2012||Automobile||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||1|
|2012||Automobile||CCR||2695.8c||Reopen file if notified within 35 calendar days that ACV too low to purchase comparable car.||1|
|2012||Automobile||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||1|
|2012||Homeowners||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||2|
|2012||Homeowners||CIC||676.1||Homeowners cancellation based solely on licensed family day care home||1|
|2012||Homeowners||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||1|
|2012||Homeowners||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||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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