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
2020 152 42 56 54 11
2019 208 50 77 81 19
2018 232 39 97 96 16

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
2020 Automobile CIC 11580.011 Coverage for replacement of child passenger restraint system; insurer obligation 2
2020 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 2
2020 Automobile CIC 880 Failure of insurer to use own name 2
2020 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 6
2020 Automobile CIC 663 Policy expiration; delivery or mailing of renewal offer or nonrenewal 1
2020 Automobile CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 1
2020 Automobile CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2020 Automobile CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2020 Automobile CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 2
2020 Automobile CIC 790.03h15 Misleading a claimant as to the applicable statute of limitations. 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
2020 Personal Auto 2.51 1.495 1.20 .80

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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