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
2012 54 16 29 9 14
2011 38 15 16 7 8
2010 35 21 9 5 5

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
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 2360.2 Eligibility guidelines 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

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
2012 Homeowners 17.18 .171 .69 4.04
2012 Personal Auto 7.31 .588 1.45 2.47

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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