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
2022 230 62 104 64 20
2021 213 72 102 39 29
2020 192 37 80 75 10

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
2022 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 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 2
2022 Homeowners CIC 790.03h2 Failing to acknowledge and act promptly upon communications. 1
2022 Homeowners CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2022 Homeowners CIC 880 Failure of insurer to use own name 1
2022 Homeowners CIC 675.1(b)(1) Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a 2
2022 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 2
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. 3
2022 Homeowners CIC 678(a)(2)(D) On or after July 1, 2020 a statement to contact the Department if the consumer remains unsatisfied. Must include CDI's website, ph 1
2022 Homeowners CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 2
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 2695.7(d) Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2022 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2022 Misc Lines CCR 2695.7(c)(1) Must notify in writing every 30 calendar days if more time is required to investigate claim. 4
2022 Misc Lines CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 2
2022 Misc Lines CCR 2695.7(d) Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2022 Misc Lines CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 3
2022 Misc Lines 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. 6
2022 Misc Lines CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2022 Misc Lines CIC 880 Failure of insurer to use own name 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 Workers Compensation .00 .139 .00 .00
2022 Surety and Fidelity .00 1.412 .00 .00
2022 Homeowners 5.14 1.701 2.82 1.66
2022 Commercial Multi-Peril .00 1.787 .00 .00
2022 Commercial Auto .00 1.929 .00 .00

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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