Company Complaint Information
, | |||
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 |
---|---|---|---|---|---|
2022 | 892 | 200 | 348 | 344 | 36 |
2021 | 837 | 221 | 276 | 340 | 53 |
2020 | 782 | 218 | 251 | 313 | 34 |
Violation Study |
Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
---|---|---|---|---|---|
2022 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 3 |
2022 | Fire | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 1 |
2022 | Fire | CCR | 2695.9(d)(3) | Insurer must adjust written estimate provided by claimant and provide a copy of the adjusted estimate to the claimant | 1 |
2022 | Fire | CCR | 2695.3(a) | File must contain all documents. | 1 |
2022 | Fire | CIC | 677.2 | Requirements for cancellation notices for policies covered by 675.5 | 1 |
2022 | Fire | CIC | 679.5 | Proof of mailing property insurance | 1 |
2022 | Homeowners | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 3 |
2022 | Homeowners | CIC | 481.5a | Personal Lines - Failure to return premium in a timely manner | 1 |
2022 | Homeowners | CIC | 14047(a) | Primary point of contact must be assigned on claim due to declared emergency if 3rd adjuster assigned in 6 months | 1 |
2022 | Homeowners | CIC | 10095.7(b) | An applicant who is denied, or policyholder who is cancelled or non-renewed, shall be provided with information regarding the depa | 1 |
2022 | Homeowners | CIC | 2051.5(b)(1)(B) | Claim arising out of declared emergency, insured has up to 36 months from date of first ACV payment to collect replacement cost, s | 1 |
2022 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 2 |
2022 | Homeowners | CIC | 790.03h3 | Failing to adopt & implement standards for the prompt investigation & processing of claims | 2 |
2022 | Homeowners | CIC | 880 | Failure of insurer to use own name | 3 |
2022 | Homeowners | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 2 |
2022 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 12 |
2022 | Homeowners | CCR | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 2 |
2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 11 |
2022 | Homeowners | CCR | 2695.183(g)(1) | HO company must provide insured with copy of replacement cost estimate | 1 |
2022 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
2022 | Homeowners | CIC | 14046(b) | Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant | 4 |
2022 | Homeowners | CIC | 678(c)(2) | 75 day extension if insurer fails to give notice of nonrenewal for a policy that expires on or after July 1, 2020. | 1 |
2022 | Homeowners | CIC | 678(e) | A notice of nonrenewal for policies expiring on or after July 1, 2021, shall be accompanied by the information outlined in the st | 1 |
2022 | Homeowners | CCR | 2695.183(g)(2) | requires insurers to include the Section 2695.183(a) information in the dwelling replacement cost estimates | 1 |
2022 | Homeowners | CCR | 2695.7(b) | Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. | 2 |
2022 | Misc Lines | 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 |
---|---|---|---|---|---|
2022 | Commercial Multi-Peril | .00 | 7.344 | 4.65 | .63 |
2022 | Homeowners | 1.44 | 18.233 | 8.46 | .46 |
If complaint data does not appear for this company, this link will provide you with an explanation.
Copyright © California Department of Insurance